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I moved to Allstate from Progressive about a year ago, and Mr. Blair became my agent. He helped me to lower my car insurance substantially from what I had been paying before, and I have been fairly satisfied with my coverage with Allstate. The only issue I have had is that he is very busy on weekdays, and isn't always available if you have a question, but he will always call you back if you leave him a message. Other than that, Andy has been extremely helpful and honest, which is a rare experience with an insurance agent in today's world.
I much prefer this card to the Hyatt card because there is no annual fee, and the rewards system gives you a comparable points system based on the amount you spend. You start off with a hefty chunk of reward points already too, which can immediately be used for free nights and other related services with the Hilton hotel chain. A great card for frequent travelers or people that want to save up free stays for a vacation, this card is a solid performer. The only potential downside is that this is an American Express card, which is not as widely accepted as the Visa and Mastercard alternatives.
This is a great card for people that travel frequently, particularly for businesspeople. The free nights really start to add up if you frequently stay at hotels in the Hyatt chain, making it well worth having. You get one night for every 5000 points that you accumulate, and you accumulate points fairly rapidly just from normal travel accomodations. The big issue with this card for people that do not travel a lot is the annual fee, which is fairly high compared to the Mariott or Hilton credit cards. If you normally stay at hotels in the Hyatt line on a regular basis, however, this is a must-have.
If you are a football fan, this is THE card for you. I know I like to travel a lot to games, and you earn bonus points at a pretty rapid clip for every purchase made in-stadium. You also get points for merchandise you order from the NFL store, so every new jersey or cap you get will net you some rewards. The big kicker for this card is the 20% savings on everything you order at the NFL store, though, which is huge if you are a dedicated fan. This is an overall excellent card for any NFL fan to have.
Not a huge fan of this one, as I prefer a more lenient cash advance policy on store cards like the JC Penny's credit card. The TJX card will charge you a minimum plus a percentage of your cash advance, so it is best for people that don't normally use that feature when they shop. Other than that, this is a fairly solid card for people that normally shop at their stores or just need a new card. It is a Mastercard, so it is accepted pretty much everywhere. you can think of using it. A solid card, but not the best out there.
I love this card! I learned to play guitar when I was fairly young, and have been going to Guitar Center for years. Having a card handy for when I need to pick up new strings, or I want to try out a new guitar is amazing. The rates are great, and they give you a fairly lengthy grace period if you screw up somehow. This is one of my favorite store cards out there, nothing is really comparable if you love playing guitar. One note about their card- they are fairly selective on who they give them out to, so if you have a prior order history with the company and a good credit score you should be fine.
The Target store card is the best on the market in my opinion. If you regularly shop at target, this is the card for you. It allows you to put all your purchases on one card, with no annual fee and fairly reasonable rates. You also get free shipping with online purchases from their website, which will save you a lot if you order things through Target normally. The 5% discount on purchases with the card is just icing on the cake. I much prefer this card to the Walmart store card, which has almost no benefits attached to it. This is an excellent card if you shop at Target a lot, and will save you a ton of money.
This is an interesting choice for a gas credit card. The bonus cash back option is somewhat rewarding, but the interest rate is very high on this card. If you plan to pay off your charges in full every month this might be the card for you, but otherwise I wouldn't bother. Unless you drive a lot, perhaps as part of your job, the 10 cents back on gallons of gas won't really be noticeable either. Overall, though, this is a solid card in comparison to some of the other gas station cards available on the market. Just don't let your payment go late!
One of the best store credit cards out there if you normally shop at Old Navy or their affiliated stores. I really like the rewards points system, it makes it easy to rack them up whenever you shop. Another thing that really sets this card apart from other store credit cards is that it actually operates on a major network (VISA), which means you can use it pretty much anywhere, as opposed to the target card or some of the other major ones. The only major flaw is the cash advance charge, which is somewhat high, but otherwise this is a great card.
This is a decent card if you need a new one and have fairly good credit already. The rewards point gain is somewhat lower than other cards I have dealt with in the past, and their APR is higher than most of their competitors cards. Great choice if you intend to pay off the balance in full every month, otherwise not so good. The points can be used for a variety of things however, and the card is good if you already spend a lot with them normally. Overall, this is a decent card with some slight flaws.
This card looks great, and has excellent features. If you have a fairly good credit rating and are looking for a new credit card for large purchases, check out the Chase Sapphire. The bonus points add up quickly on larger purchases, and are great for gift cards or hotel stays at a variety of major hotel chains. This makes it a great card for frequent travelers as well. The Chase Sapphire card operates on the Visa network also, so you know it will be accepted pretty much everywhere. My only gripe is the somewhat high foreign transaction fee, which is annoying if you travel internationally. Overall, a great card though.
I used the Alabama Credit Union as my checking and savings account provider while I was attending the University of Alabama starting in 2008. I really enjoyed that there were no fees associated with my account, which made it much easier to use. They also set up and managed my direct deposits from the university (I had a work study job on-campus), so I never had to worry about anything. I was actually really disappointed that there were no local branches in my new city when I had to move later, which was the only reason I ended up closing my accounts here. I highly recommend this credit union if you live in Alabama.
The bonus rewards points awarded for purchases on the Old Navy Credit Card rack up quickly if you are a regular shopper at Old Navy or their affiliates. Also, if you go with their paperless program (which many people choose to do anyways), you automatically reach the first milestone for rewards. The rates and fees for this card, unfortunately, are fairly standard for a store credit card. Overall, though, I would say this is a decent card for anyone that really likes shopping at Old Navy or the Gap, but otherwise it is out-shined by other cards on the market today.
I really like the bonus points system for this card. You get 1 point for each dollar you spend, which is actually pretty good compared to a lot of store credit cards available on the market today. The discounts on purchases makes the JCPenney Store Card even better, especially if you regularly shop there. The interest rate is a bit high for a store card, but if you pay it off in full each month that isn't a problem. The maximum late fee being set at $35 and not a percentage is also pretty nice. Overall, I think this is a solid card and perfect for those that routinely make purchases at JCPenney.
I chose the Capital One Platinum credit card as my first card to start building credit with. It initially came with a 300 dollar line of credit for me, but that quickly changed to 500 once my first few billing cycles were done. Capital One is a solid and reputable company for your first credit card, and they may approve you even with little credit history (like they did for me). My one gripe is that if you pay your bill in full every month they initially put holds on your account for "suspicious activity", but this is quickly remedied with a call to their support line.
This is one of my favorite rewards cards on the market. I love using it for pretty much everything, and since it's a Visa I know it will work everywhere. The rewards points build up pretty quick, and I usually save mine for vacations. They work well for hotel stays, not sure really what else you can use them on aside from hotel stays (I've heard about airline deals but never tried them). Overall I would say this card is an excellent choice for anyone that needs a new card, and specifically for those that love to travel or stay at Marriott regularly.
I really think that this card is on the VISA network, which is a major benefit as visa cards tend to be accepted in more places than others. The rates are ok, and are fairly typical of cards in this range- it really shines with the cash advance fee of only 5%, however, as many other cards charge 10% or higher. The AAA rewards card is also a great international card if you travel; the smart chip embedded in the card makes it perfect for business people or frequent travelers, and since it is a visa you know it will be accepted in most locations.
This is my first card with Chase, and so far I am loving it. The rewards program is excellent and easy to manage, even though I only use my card for groceries every month. I enjoy the cash back, especially with the occasional online purchases that I make. So far this card has been great, and I anticipate using it for even more expenses in the future - one thing to remember if you decide on this card is that the billing date is adjustable, so you can change it to suit your needs. I had mine switched to the 26th of every month since it always falls after my payday, and won't interfere with other bills.