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I wasn't aware of the need of a good insurance agent until I had my car accident. When that happened, however, I then understood how good Mr. Allison was at his job. He really helped me out and did whatever he could to make sure we weren't injured. He helped us with the entire process when it came to getting paid by the other insurance company, which was awesome. I'm not very loyal to companies but I'm very loyal to Allstate and in particular, Gerard Allison, since this has happened. I've recommended Allstate to all of my friends and family now and they seem very happy with their decision.
The main draw of the Citgo Gas Card would be the .05 per gallon that you earn in rewards but that's a lower reward than competing gas companies or stations offer. The incredibly high APR sits at 24.99% and should rightfully scare away most people from getting this card. There is no introductory rate to off-set the high APR, either, so it's 24.99% from the very first time you use it. If, for some reason, you prefer Citgo gas stations to all others then by all means apply for it, but there is no other reason to even consider this card when making your decision. I wouldn't recommend this to anyone in my family or even people that I don't like, most likely.
What an outstanding card. The Navy Federal Credit Union nRewards Secured Credit Card has an outstanding APR of 8.99%. The rewards may be a little on the bad side, with the standard $1 per point but with an APR that low you'd be hard-pressed to complain about the rewards. No annual fee is also very, very good. I don't think I'd qualify for this card but if I did, it would definitely be at the top of my list of choices. My Capital One Quicksilver Card doesn't even hold a candle to this card, in my opinion, thanks to the high APR. I would recommend this card to everyone who is eligible. Now to up my credit score so I can attempt to get it!
The 0% APR in the first year is a huge plus for a card such as the First National Bank of Omaha Maximum Rewards Platinum Edition Visa Card. It very well makes up for the lack of any substantial rewards that this card offers. It has the standard 1 point per dollar spent without any deviation from that. Combine the 0% APR with an already good 13.99% APR outside of the intro period and this makes for a very interesting card to look at when you're choosing the credit card you'd like to apply for. I would recommend this card to friends and family alike because of the low APR.
I'm not a very big fan of this card. The zero percent introductory period is great but once you get outside of that, there's a flat rate of 23..99% which is very, very high. There is no rewards program to offset the money you're spending, either, which is another huge issue. For small business owners, this card could be good if they were turned down for others but I personally don't see the appeal of it. The free rental insurance on cars is great if you're a small business owner who travels a lot, however. I have considered attempting to start a business before and if so, I would most likely stay far away from this card unless it was one of the only ones available to me. The Applied Bank Visa Business Card, while not 100% bad, offers little-to-no redeeming value.
The AAA Rewards Credit Card is a great card for those who travel a lot. The rates are relatively low, starting at 12.99% and it offers a very good rewards program. By earning triple points on qualifying AAA travel purchases, it could be very lucrative as far as rewards go. I work in the hotel business and I have a lot of guests who use this exact card upon check-in and their reason is usually the same: they use it for the rewards. With this card, what you see is what you get. There aren't many special features that other cards offer but plainly put it's just a relatively good card for every day use and a very good card for travel use.
You will be hard pressed to find rates as good as these on a commercially available credit card. With rates as low as 9.99% it's hard to give this card anything lower than 4 stars, however the lack of a rewards program really hinders this. Rewards programs are great for people who use their card a lot, and even for people who don't. The constant gain of points any time you use it is great for everyone, even if you use your card once a month, in 3 or 4 years it's possible you could have a free vacation on your hands. I absolutely love what this card offers rate-wise and I can't stress that enough. If you don't use your card very often then this may just be the card for you, otherwise I think you could do better and get better rewards going with a card other than the First National Bank of Omaha Platinum Edition Credit Card.
The Comerica Bank Visa Signature Credit Card is an all-around outstanding card. It offers very, very competitive rates and has a great rewards program to boot. The 9.99% rate it offers is among the lowest I've seen offered when it comes to a non-secured credit card. It offers the standard 1 point for ever dollar you spend but they give you a 25% bonus on every point you earn which makes it an invaluable tool at times. I wish that I had known about this card at the time when I was in the market for a credit card because this definitely would have been up there. You can't beat these rates!
As far as secured credit cards go, the First Progress Platinum Prestige Secured Credit Card ranks about the middle of the pack for me. I have had two secured credit cards in the past. The Orchard Bank Secured Credit Card and a Secured Capital One Visa Mastercard and they personally rank higher for me than this card does. It does have a fairly low limit of $300 for a minimum deposit but I believe the $44 annual fee is a bit much considering what this card offers. However, if you're getting a secured credit card then your credit is generally bad like mine was, so you could do much worse than this card. I'd recommend it if you're not able to do better.
The Citi ThankYou Premier Card offers competitive rates starting as low as 13.99%, which is very reasonable for a card such as this. The rewards program is the main draw here, though, as you earn extra points for the things you shop for the most, such as gas, groceries and more. The personal concierge service is also a nice draw for those that are very busy. This card fell just out of my credit range when I was looking at cards I was interested in, but it was very high on my list. I settled for the Capital One Quicksilver Card but this was the card that I truly wanted. I would recommend this card to anyone who has a use for a credit card on a semi-regular basis.
I really appreciate the relatively low rates the Shopko Credit Card offers on purchases, with a very decent rate of 13.74%. However, the rewards offered by this card don't really do anything for me. They do offer 3 points per $1 spent at their specific store but I don't really shop there often enough to make that worth my while. The 2 points for each dollar spent on family dining is a pretty attractive offer but other cards do more without the restrictions applied to this card. Overall, I would rate the card as being decent, but not a necessary unless you're an avid Shopko shopper. That is the absolute only way I could recommend this card to anyone that I know. Not that it's possible now that the card has been discontinued but maybe in the future they will have another version.
The ExxonMobil Gas Card would be a great addition to anyone's wallet, I believe. If you have to drive a lot to work and back or for anything else then it's a great card. You can ear up to 6 cents off every gallon of ExxonMobil gasoline that you put into your car. The 24.99% interest rate is a little worrying but provided you only spend it on gas, which is recommended, you can't really go wrong. I wish my current Capital One Quicksilver Visa Card had the gas rewards that this card does. I will be attempting to add this card to my wallet very soon!
The First PREMIER Bank Secured Credit Card is a good option for people who are looking to build their credit score back up. I have used a secured credit card for the past 3 years and I will say without hesitation that my credit would not be as good as it is today without it. It has a relatively low $200 first deposit before you may start using it and it's well worth it. They report to each of the major 3 credit score places on a monthly basis so you'll notice gains in that category immediately. I've used my Capital One Secured Mastercard pretty much every place I've been and I've never had any issues using it. I would recommend this to my friends and family without hesitation because the First PREMIER Bank Secured Credit Card has good rates to go along with the low deposit fee. 4 Stars.
The La Quinta Credit Card is a great choice for travelers that are always-on-the-go. It has a relatively low rate of 13.99% but up to 19.99% depending on your credit. The rewards program is great for people who stay at La Quinta Inn's a lot, like myself, and even I may look into trying to get one of these. Much like Choice Hotels Guest Privileges Visa Cards, you will earn points for each night you stay at a La Quinta Inn. It's a little low on amenities such as fraud liability but otherwise it's a great card to have. I would recommend this to my family members who tend to travel all over the United States on business. As someone who works in the hotel business I couldn't tell you how many times I see the same person at the same hotel week after week. I will look into getting this card for myself, as well, that's how much I like it!
The Ann Taylor LOFT Credit Card may seem like a good option for people who shop at LOFT pretty often, but it's not. It has a decent rewards program offering you up to 5 points per $1 spent but the card simply fails everywhere else. The egregiously high 24.99% rate is very much cause for concern. If you shop at LOFT often, I can see you having this card just for the LOFT rewards that accompany it. It seems like a decent rewards system for people who do like to shop there, so I'll give it that much. If, however, you decide to use this card elsewhere, I think it would be a huge mistake. It doesn't really offer any of the amenities that other cards offer. Things like fraud liability and such are completely absent. I would never recommend this card to anyone I know, ever. Maybe if they were a compulsive LOFT shopper, but even then, I doubt it.
I have a lot of family members who use this card in lieu of using an actual bank and they seem to be incredibly pleased with it. They just don't trust banks anymore and don't like the high interest rates on bank cards, so they choose the prepaid route and a lot of them have said that they've tried multiple cards but the Bluebird Prepaid Card is the one they like the most. I love the fact that activation, balance checking and everything else is free compared to cards like the Mango Prepaid Mastercard, which charges $4 simply for activation. I would recommend the Bluebird Prepaid Card to everyone just based off of the word-of-mouth that I've heard from my immediate family members and friends. It seems to be one of the best options out there for prepaid cards, period.
The Mango Prepaid Mastercard seems like an alright option if your only choices are prepaid cards. They offer a direct deposit option which is becoming the standard for most prepaid cards, much like my prepaid Wal Mart Visa card. I don't like the fact that it costs you 50 cents each time you'd like to check your balance, though. I feel like that should be a free, standard option for every single card in existence because you can't always keep up with what you've purchased. It cost me $4 to activate my Wal Mart Prepaid Visa Card but with the Mango Prepaid Card it's free, which is very nice. I may try this card out someday if I'm ever forced, or simply just decide to go the route of prepaid cards only. You could do much worse than choosing the Mango Prepaid Mastercard.
The JetBlue American Express Credit Card is an amazing card. I've looked into the possibilities of getting one for myself before I learned that JetBlue doesn't fly out of my local international airport. If you're someone who flies JetBlue often, this is the card for you. It has a very low 15.24% rate compared to some other cards with are between 21% and 24%. Their rewards program is outstanding, offering you potentially 8 times the points if you use it on their airline itself. I would much prefer to have this card as opposed to my Capital One Visa Card, provided I lived somewhere that JetBlue flew out of. Everyone should look into this card.
I'm not a huge fan of the National Tire & Battery Store Card due to its regular interest rate of 28.99%. That seems a bit high, in my opinion. It also doesn't have any type of rewards program which is a downside for those who like to use their cards a lot. I do like the fact that with a minimum purchase of $799 you could potentially pay no interest if you pay it off within 12 months of the purchase. I feel like more cards should offer this option as there are things I'd love to buy and I know I could pay for within that time period but simply don't, because of the interest rates. I wouldn't recommend this card over my Capital One Visa Card to an of my friends or family because of the high APR and the lack of rewards.
The Northern Illinois University Alumni Credit Card is a fantastic choice for its rewards program. It offers you a point for every dollar you spend which are redeemable as low as 2500 total points. Compared to my Capital One Quicksilver card the rates are pretty bad, however, as the 22.99% is not very good by any stretch of the imagination. This card is all about the rewards program and I would have one, personally, just for it. The zero liability fraud protection is also fantastic and protect you very well. I would recommend this card to friends who like to spend a lot, as the rewards system would work out very well for them. 4 Stars.
The University of Deleware Alumni Credit Card has good cash back rewards with up to 3% cash back on gas, 2% on groceries and 1% on other purchases. However, compared to the card I personally use, the Capital One Quicksilver Visa Car, this card has very bad interest rates that accumulate over time. I do like the fraud liability protection, though, as that can definitely come in handy in this day and age. I would recommend this card to friends and family as it's not incredibly bad, but it's not that great either. 3 Stars is a fair rating for this card because it's a very average card. It may help if you're good at keeping your credit in line, though.
I think the Temple University Alumni Association Credit Card is a fairly decent card. It has competitive cash-back bonuses as well as 10% extra savings if you deposit your money into a Bank of America checking or savings account. That's a huge plus for those who bank with Bank of America. I think the rate % is a little high on each end of the spectrum - low and high side. Compared to my Capital One Visa I would not recommend the Temple University Alumni Association Credit Card to anyone that I know. My rating is 2 stars. It's not completely terrible but I don't think it's average, either.
As a relatively new member of the South Carolina Federal Credit Union I figured I would write a review. I have been a member of Founder's for quite a while but when I moved recently there was no Founder's around for a while so I decided to open an account with the South Carolina Federal Credit Union as well. Application process was a breeze. I was approved for a checking account and had an ATM card ready for use within 5 minutes. Really, really great customer service. They don't charge me if my account is overdrawn once per month which is really awesome. You know how things can just sometimes happen when you're not expecting it so I'm thinking this will come in handy before too long. I would recommend anyone to apply with the South Carolina Federal Credit Union if it's your local credit union. They have great customer service and everyone in my local branch in Charleston was as friendly as they could be.
I've been with Founders Federal Credit Union for almost 2 years now and I must say, I've never had a single problem with them! They've always been helpful and answered my questions promptly whether it was via email or phone. I have no problem getting in touch with a customer service rep even in their off hours as most of them will answer emails to help you with general questions while they're closed. I've recommended this credit union to multiple people in the past. My brother has an account there now, my mother, my father, and a few of my friends. We're all happy with the service that Founders provides us. I wouldn't switch credit unions unless I was forced. They also gave me great rates on a student loan so I can't say enough about that.
I really love my Wal-Mart credit card. I use it nigh only weekly to pay for groceries and gas. I really love that I get 15 cents off per gallon of gasoline that I buy with the store card; it really helps me in times I don't have very much cash. The interest rate is a little high but I only really use it for those two things I mentioned earlier so it's not a big deal since I pay it off in full at the end of each month. I'd highly recommend anyone get this card if they do a lot of shopping at Wal-Mart. It'll eventually pay off in gas alone.