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She's really friendly and helpful if you call her. I've received nothing but good service from her, although I have not been in an actual car accident. I did call after a friend of mine asked about car insurance and she talked me through the plans they offer besides mine, and I mentioned I was paying more than what she had said and she asked for some information and then told me that she could lower my rate right there on the spot, and she did, which was really nice of her to do so. I'm not the type who says a lot of praise for their insurance, especially with what my friends tell me about theirs, but Dawn has been really nice to me.
Ralph has been great to me - I've been looking for a solid insurance agent for ages, and I called my local Geico office and Ralph answered. We discussed rates for a bit, and what kind of coverage I was looking for, and we even bargained a bit - but his rate that he offered was better than Century21, Progressive, all the other big names. And the coverage was honestly just as good - I called in a small scrape once and Geico was really polite and responsive about the whole incident. When I did call Ralph and he wasn't in office, they returned calls the very next day. I'd highly recommend him.
If you've got bad credit, this First Premier Bank Forward Credit Card could really be just what you need. The fee for the card is hefty, with $75 per year being charged. Not only that, they do ask for another initial fee of $95 for processing. That's 170 dollars just to open this card up. Reporting to credit agencies is nice, and so is the fact that they'll increase your credit line over time, but there's just better options. The Capital One Secured Credit Card lets you make a small deposit, and only charges $29 a year for the annual fee. And it builds credit by reporting to several bureaus, just like the First Premier Bank Forward Credit Card. There's really better choices out there, so I wouldn't recommend this one.
Hmm, this Travelocity Credit Card reminds me a lot of airline or hotel cards. You get a 5,000 point bonus for your first purchase, and an additional 5,000 points for spending $1,000 in the first 3 months, which is very do-able and very generous with the window of opportunity. 3 points/dollar back on Travelocity purchases makes this a great card if you book your trips and hotels exclusively through Travelocity, which is a good perk if you're like me and don't have a lot of loyalty to a particular hotel chain. The Starwood Preferred Guest Credit Card offers an even better rate, at 5 points/dollar, but I don't always stay with Starwood's hotels. If you're in the market, and don't book with one hotel chain often, this card looks like a great option.
If you're a daily commuter to and from work, the ExxonMobil Gas Card is probably one of the better gas station cards. I drive quite a bit to get to my work, then quite a bit to get back home when I'm off. That adds up to trips to the pump rather quickly! And with this ExxonMobil Gas Card, I'd earn 6 cents from every gallon - about 1.5% back in the current economy. Granted, compared to the TrueEarnings from Costco and American Express, which offers a stunning 3% cash back, this card pales a bit, but there's no annual fee. I'd keep an eye on that 24.99% APR, but other than that, this is better than anything offered by CITGO or Chevron!
There's really no other option for a prepaid card other than the Bluebird Prepaid Card. So many prepaid cards get you with their monthly maintenance fees, or their various transaction fees. For example, look at the AccountNow Prepaid MasterCard. A $4.95 activation fee, plus $1 every time you use your card basically. And if you wanna get some cash from an ATM, that'll be $2.50. How about the Bluebird Prepaid Card? No activation, free transactions, and even free ATM usage with a direct deposit. How is there any competition?! And this card even has purchase protection, something not commonly seen on Prepaid cards - 50,000 in a single calendar year! If you want a prepaid card, look no further, the Bluebird Prepaid is everything you wanted.
If you're one who flies Continental Airlines, then the Continental Airlines OnePass Plus Credit Card is a great choice. 25,000 bonus points for making your first purchase with this card is a great bonus incentive, plus the extra 5,000 for adding a user is easy to obtain. The annual bonus for this card is high too - 10,000 certainly beats my Southwest Rapid Rewards Plus Credit Card's 3,000 points. And you get perks like a free bag checked in, and some passes to the exclusive priority lounge club. 2% back for purchases with the airline and a few select travel accommodations plus the standard 1% for all other purchases is great too. Plus the APR is reasonable at less than 15%! If I flew Continental, I'd consider applying immediately; the perks are too good to pass up!
Wow, I'm sorry, Valero Gas Card, but this is probably one of the worst gas credit cards I've seen. The intro offer for rewards is quite nice - 30 cents per gallon of fuel is a good 8% or so. But that offer only stands for 1 month, which is an incredibly short time. You might fill up your car once a week, and that's maybe 40-50 gallons. So you save about 12 to 15 dollars. Then you're left with this card. No balance transfers, and an APR of 23%? No cash advances? I'm not sure this is even a credit card - this might be a store card. The Chevron and Texaco Credit Card offers a limited reward window of only 2 months, but continues to offer a different reward if you manage to spend above their minimum per month. This card simply has no incentives and is too limited. No thanks!
The Playstation Credit Card is a fairly limited card, in my opinion. Offering APR rates that are fairly high, the card reminds me of my Nordstrom Credit Card, which has no annual fee like this one, and a fairly high rate as well. However, for a shopper who likes Sony products, this card offers a 3 points per dollar reward at Sony/Playstation, and 10 points on Network purchases. That's much better than my 2 points per dollar reward from Nordstrom Credit Card. And there's a 5,000 point bonus. I would say that this card is better than most store credit cards, by offering a better bonus program and rewards program, but also comes highly specific. How many video games and PSPs can you buy in a year?
A solid card if you love to travel, the US Airways Dividend Miles Business Credit Card is great if you fly with US Airways often. The 1st purchase offers a good bonus, with 25,000 miles racked already. I personally fly Southwest often, so I use Southwest Airlines Rapid Rewards Plus Credit Card, which gave me 2 round trip flights the first time I made a purchase over a specified amount of money - which is a definite bonus. This card offers a similar APR and Balance Transfer Fee, and the additional perks like being able to use the lounge or club are similar to American Airlines card. The rewards being 2 miles/points for each dollar spent on the airline are also standard with the traveling cards. A solid card, for sure.
This Business Gold Rewards Card from American Express isn't a consumer card, that's for sure. The hefty $175 dollar fee makes it nearly unaffordable for most people, but this is definitely a business card. No preset spending limit makes it a great card for any size business though, except that payment must be paid every month with this card. So if your company can afford it, this card makes a great card to put your balance on. There's no fee the first year either, and the rewards program is pretty good. Compared to a Capital One Spark Business, that card allows you to rack up a balance, but this one has no preset spending limit. I think this card is quite good if your business can afford to use it.
If your credit score isn't doing too well, the First PREMIER Secured Credit Card could definitely offer a hand. As a secured card, it doesn't have the horribly high APR that unsecured cards for people with bad credit scores sometimes apply for. And the annual fee of $50 seems very reasonable, especially compared to the VISA Platinum from Credit One, which needs $75 for the first year, and $99 every year after! This card doesn't offer any rewards perks, nor does it offer any other bonuses besides having a simple spending limit, but it will help build credit, just like it was intended for.
The J.P. Morgan Credit Card is definitely an all-purpose traveler's card. I don't think the rewards program is as good as my Southwest Airlines Rapid Rewards Plus Credit Card, since this card does not give an anniversary bonus point gift, nor does it offer as good of a bonus for spending money each year. I don't think many people can spend $100,000 a year on belongings to redeem the 25,000 points. One unique feature of this card is the ability to transfer your points to any airline at a 1 to 1 rate. But the Starwood Preferred Guest Credit Card from American Express has the same perk, but gives you a 25% bonus upon transferring your points over! If you have loyalty to a particular airline or hotel, you should consider getting their specific cards over the J.P. Morgan Credit Card.
The Mango Prepaid Card is not a great option if you're looking for a prepaid card. I think that the Bluebird Prepaid Card is better - no activation fee, no monthly fee, no fees! If you want to withdraw cash from an ATM with the Mango Prepaid Card, expect a $2 charge! And a $5 monthly charge for maintenance? Yuck. And if you call the customer service to check your balance? 50 cents! The Bluebird offers free balance checks! I would much rather get a Bluebird Prepaid Card, so leave the Mango behind. I don't need fees to dock my hard earned money.
The National Tire & Battery Store Card is like most other store cards - they're good only if you shop at the store often. Given the fact this store sells tires and batteries, I'm not sure how often I would visit here. However, seeing as how it offers no interest rate when you make purchases over certain minimums for several months, I can definitely see the attraction to this card. Plus it offers cash back as a prepaid Visa when buying tires. Overall, however, the card has a shocking APR of 28.99%! I would much rather consider the Bed Bath & Beyond Credit Card, not only because I'm more likely to shop there, but the APR is lower and the card offers better benefits in terms of a rewards program.
The Discover More Card advertises how it has no balance transfer fee, but the no balance transfer bonus is merely a year, before it reverts to a somewhat high rate. A little ridiculous, I'd think. 0% APR for 12 months is definitely a perk, and along with the year of no balance transfer makes the card fairly appealing. The rewards rotate - Discover often offers a 5% rotating cash back depending on the month or so. Otherwise, the rewards are below industry standard with "UP TO 1%" back on other purchases. So as a rewards card, this card is pretty sub par, but it offers no APR or balance transfer fee for a year... if you're considering this card, consider the Discover It card, which offers the same two perks for 14 months.
The JetBlue Credit Card is a very solid airline card. I want to first mention that the annual fee, which is only $40, is very low - lower than my Southwest Rapid Rewards. 20,000 points for spending $1,00 in the first 3 months of ownership is also a good standard reward - I believe my Southwest was a similar deal, although more points and I had to spend more. 8 points for booking with JetBlue is a huge bonus as well, where I only get 2 points for booking with Southwest using their own card. If I flew JetBlue often, I would definitely look into picking up this credit card, but because I fly Southwest, I'll have to settle for my Southwest Airlines Rapid Rewards card.
Woah! The PenFed Platinum Rewards Credit Card offers some of the best cash back rewards I've seen! 5% on gasoline is ridiculous, even higher than the well-known and touted TrueEarnings Credit Card from Costco and American Express. The return on groceries is great too, better than other cards I've seen. And of course, the 1% return on everything else you purchase is an industry standard for rewards cards. And it has no annual fee, AND a low interest rate of 9.99%? This is definitely the card to get - it may not be easily attained, but the rewards for this card truly outshine any other card I've seen.
When you're a frequent traveler, you need an airline card with the airline of your choice. So if you fly American Airlines often, then the Citi Platinum Select / AAdvantage World MasterCard Credit Card is great - offering a round-trip domestic flight for spending $1,000 in the first 3 months of owning this card. The other perks are fairly standard, like the 2 points/dollar bonus for spending money at American Airlines, and 1 point otherwise. And it lets you check on a bag for free, similar to the Southwest Airlines Rapid Rewards Credit Card. However, this card has a hefty $95 a year fee after the first year, so if you're not a frequent flyer on AA, this card could easily end up costing you more than you were looking for...
There are other credit cards suited for the traveler that are much better than the La Quinta Credit Card. This card does offer an interesting 17 point return per dollar if you stay at La Quinta Inn, which is quite a bonus perk. However, when compared to a card like the IHG Rewards Club Select Visa Credit Card, it just falls short. The IHG card offers a much better initial bonus of 4 nights for spending 1,000 dollars in the first 3 months, whereas the La Quinta requires a ridiculous 10,000 dollars spent in 12 months for the same # of free nights. IHG also happens to have more hotels under their name. If you specifically stay at La Quinta often, then consider this card, otherwise, look for another!
In terms of a reward card, the First National Bank of Omaha Credit Card offers pretty decent awards. 2% back on groceries and gasoline is quite nice for the category, and the 1% on other purchases has become a standard for rewards cards. However, this card comes with a few nice perks such as the no interest for the first 12 months of owning the card, which I know can be a godsend. The rewards program is weaker than say, the TrueEarnings Credit Card from Costco and American Express, but there's no annual fee on this card and it offers good enough cash back - I would strongly consider this card.
This HESS Credit Card is another gas station credit card, offering a very decent 3% back on purchases at Hess, which is great. The TrueEarnings Credit Card from Costco and American Express offers a similar rate for gasoline, although it also offers better cash back bonuses on other purchases. However, that card has an annual fee and this one doesn't. The first 60 days, you also get a 10% rate of cashback, which is absolutely amazing. You do want to note though, that the interest rates is nearly 20% and is pretty high, so you might want to stay away from this card if you have trouble making payments on time and in full.
Pay attention to what you're getting, and this is definitely a GREAT card. The Shell Gas Card doesn't offer any rewards for buying their gasoline, which I admit to be very strange. However, it does offer a whopping 10% cash back on a variety of hotels, which is a HUGE amount of cash back for anything! A business traveler would benefit greatly from this Shell Gas Card. And, to make it even sweeter, it offers 5% cash back on car rentals and airplane tickets! I think that actually might be even better than my Southwest Airlines Rapid Rewards Plus Credit Card. The TrueEarnings from Costco and American Express only offers 2% on travel, and costs at least $55 a year to maintain, whereas this is only $25. This card is a serious must-have for your wallet if you travel often.
The Hobby Lobby Credit Card offers an effective 5% cash back when you shop at Hobby Lobby, which I've never seen in California. This is really similar to the Bed Bath & Beyond Credit Card, which offers 5% cash back for Bed, Bath & Beyond purchases. Both cards also offer the standard 1% return for shopping anywhere else. However, the initial bonus offering, 1000 points for your first purchase, cannot be redeemed instantly like the Bed Bath and Beyond reward. Unless you have a hobby that can be found at their store, the Hobby Lobby Credit Card feels limiting and I would look elsewhere for a rewards card.
Do you like the New York Jets? Do you like to save money? Well, then you don't have to look any further. The New York Jets Extra Points Credit Card offers a fantastic initial bonus, $100 back when you spend the designated amount required. The New York Jets Extra Points offers 2 points per dollar spent (2% back) at NFLshop.com, and 1 point per dollar spent anywhere else. The cash back rates are very similar to any other store credit card, like my Nordstrom Credit Card that offers 2% back at Nordstrom and 1% back anywhere else. However, unlike most store credit cards, you receive statement credit for using this one, and NOT a rewards/gift certificated And 20% off on all NFLshop.com purchases? That's definitely a touchdown in my playbook.
This New York Giants Extra Points Credit Card gives you a hefty initial bonus of $100 for spending a designated amount, which is fantastic. If you're a big football fan, and enjoy the New York Giants of course, this is a great card that offers 2% back on anything you buy from the NFL shop. The 1% back on anything else is equivalent and no worse than most store credit cards, which typically offer a higher percentage back at their own store and 1% elsewhere. This card also offers an innate 20% off discount, which is more than my Nordstrom Credit Card has done for me, at NFLshop.com. If I watched football more, I'd definitely want this card in my wallet.
The CITGO Gas Card offers 5 cents per gallon, which is lower than the Chevron and Texaco Credit Card (10 cents per gallon, but only for 6 months). Compared to the Chevron and Texaco Credit Card, this card has the advantage of always offering that 5 cents (or about 1.25% back if gas is 4 dollars per gallon) back. Other than that though, the interest rates are high and the card won't even allow balance transfers. If you're looking for a card to get some money back on gasoline, the TrueEarnings from Costco and American Express should be your only option, with a 3% cash back for gasoline at any gas pump.
The Bank of Hawaii Hawaiian Airlines Credit Card is quite similar to my Southwest Airlines Rapid Rewards Plus Credit Card. Free points on signing up if I spend the amount they ask for? Check. Free points on my anniversary of getting this card? Check. 2 points for buying airline services, and 1 point for other things? Check. A difference between the cards is that Southwest offers more points in their bonuses, and the annual fee is $10 higher for the Hawaiian Airlines Visa. If you fly Hawaiian Airlines often, then this card is good for you to check out. The Airline cards are mostly all similar - so pick out the airline that you use the most often.
If you shop at Bed, Bath and Beyond, this is a pretty decent card. The Bed Bath & Beyond Credit Card offers what is essentially 5% back when you shop at any of the BBB stores, or stores owned by them, along with a 1% back at any other store. Compared to my Nordstrom Credit Card, this card offers a much better cash back incentive for shopping at the store itself, along with $10 on your first purchase, which is very nice. It actually makes my Nordstrom VISA look quite bad. As with most store cards, the reward is limited to Bed Bath and Beyond, and it's not a cash check like my TrueEarnings from Costco and American Express.
This credit card seems helpful if you're a business plus member at Sam's Club only, I wouldn't even consider it otherwise. The Sam's Club Business Credit Card offers 2% back on all purchases if you were a business, which is amazing. 2% is already unheard of almost for most cards (you do need to spend quite a bit to get the 2% back though), although the 1% cashback for a regular business member is not nearly as exciting, and equivalent to a regular card. If I was a business owner, I would much rather consider this card over my current TrueEarnings Card from Costco and American Express, but perhaps not the business version of the Costco American Express, which offers up to 4% back on gasoline, but only 1% on most purchases. I'd definitely consider this card strongly if I was a business plus member.
This card really isn't any better than any bank card. The Sovereign Bank Sphere Credit Card offers a 2 reward points per dollar system, which is good, but only for 6 months. After the initial 6 month promotion is done, the user will only receive 1 point per dollar spent for the rest of the card's lifetime. Also this card has zero liability for fraud - what the heck? Almost all of my Visas DO offer fraud protection. While it's nice that this card does offer no blackout dates, unlike my Chase Sapphire, my Chase Sapphire also charges a lower interest rate on both APR and Balance Transfers, as well as cash advances. I'd look elsewhere if you wanted a good bank credit card.
Chevron already offers a different promo in some areas - you get gas rewards of 10 cents off per gallon for purchases at Vons and Safeway. The Chevron and Texaco Gas Card however, is definitely NOT something I would consider applying for. The card offers absolutely no bonus once the 2 month period to earn bonuses are done, and the customer is then left hanging with a card that offers nothing except a mediocre interest rate. The offer they give you changes, but currently, each gallon of gas is around 4 dollars, and 10 cents of that is 2.5%, which is alright, but only for 2 months, and only on gas. It's seriously better to get almost any other card, such as the True Earnings from Costco & American Express.
The Fidelity 529 Credit Card has one of the better rewards programs available - for spending $2,500 dollars, you get $50 back, which is an overall 2% cash back. Unlike most cards today which offer maybe a 3% for doing one thing, or a promotional 5% on gasoline (I'm looking at you, Discover), this one gives a solid 2% back. Plus, it has no limit to how many rewards you can earn - one my current rewards-based credit cards only allows me to redeem $500 dollars of rewards, which is about $50,000 spent on that card. If you're looking for a good rewards card, this one might be the way to go.
If this was your first credit card, then the Citizens & Northern Bank Secured Credit Card might be good. The credit limit is high, but there's a $35 annual fee and no rewards program. What the heck, my American Express from Costco has a $55 annual fee, but gives me a 3% cashback on gasoline + 1% cash back on other purchases + 2% on restaurants, AND my fee comes with Costco Membership! Even my first credit card, from Bank of America, was given to me with no credit score, offered 1% cash back, and had no annual fee! Even with a bad credit score, there's at least a Capital One Secured Mastercard that only charges $29 per year.
You hear about AARP a lot in hotels - they offer a discount like the AAA. Unfortunately, being younger, I can't actually get a hold of this card. The AARP Rewards Credit Card does offer a really nice $100 check back for spending $500 in the first 3 months, as well as 3% cashback on gas station and restaurant purchases, as well as 1% on everything - similar to the Costco American Express. You can even redeem your points for cash, travel, etc, so it's really versatile. I'll probably get one as I get older, as this is actually equivalent in most categories or better than the True Earnings Costco American Express that I consider to be my favorite card.
Virgin America's Credit Card is actually quite nice if you fly Virgin. A huge bonus in points on your first purchase, and you get a 3 points per dollar rate for buying anything from Virgin America, including flights. Very similar to the Southwest Card I own, but for Virgin America instead. However, the Southwest one offered me 2 round trip tickets for spending some amount of money in my first month, which I thought was a better deal. My Southwest card also offers an additional 6,000 points on the anniversary of when I signed up with them. If you fly Virgin often, then this card is helpful.
This Applied Bank Unsecured Visa Gold Card sounds more like a "Make-Money-For-This-Bank" Card. $125 annual fee for the first year? I understand it's supposed to help you boost your credit score back, since it's unsecured and all, but it offers absolutely no bonuses or rewards whatsoever. It's just too expensive for no benefits - the Capital One Mastercard is for bad credit scores as well, and is only $29 a year for the annual fee! There doesn't seem to be a huge reason to get this card, other than the fact it has a higher limit than other unsecured cards. It still has a very high interest rate. I would avoid this card if possible.
Who doesn't love Hooters! Really though, the Hooters Credit Card was made for someone who patronizes Hooters a lot... at 5 points back per dollar purchased at Hooters, that equates to a nice 5% from all purchases from any girls wearing white tank tops and orange shorts. Other than Hooters, it offers 1 point when you don't shop at Hooters - making this card pretty limited if you're looking to use it anywhere else. I honestly don't think I would eat at Hooters enough to quite take advantage of the 5 points per dollar rewards program, so I'd be likely to look elsewhere - for a similar card, I would go for something from Chase Bank.
First Progress Platinum Prestige Secured Credit Card is as the name sounds - it can be the first card for someone who's just building their credit, or who has bad credit. However, I had a Bank of America Visa Credit Card, which they gave to me when I first started trying to build credit. It had a 1% cash back on it, didn't have an annual fee at all, and they gave it to me when I had no credit score! If you're looking for your first card ever, I wouldn't get this one. I can't speak for if you had bad credit, but I would consider talking to your bank first about what options you might have - they could get you a better deal than this MasterCard.
I absolutely have to compare this Sam's Club Credit Card to the True Earnings Card from Costco and American Express. These two warehouse super giants both offer bulk savings, but I think Costco has the better card. This card simply offers 1% cash back for everything, unless you're a Plus member, which is similar to Costco's Business Executive, in which case they give you 2% cash back - a better rate than Costco. However, the Costco credit card offers 3% back on gasoline, which is a major purchase for anyone with a car, and 2% on restaurants and travel, along with 1% on everything else. I think I'll have to give the edge to Costco's reward program in this case, but if you are a Plus member, this Sam's Club Credit Card could serve you better.