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I signed up for the Amazon credit card over the holidays when I was doing my Christmas shopping. They advertise the “$30 off your order” at check out so I thought I would sign up and save some money. I don’t shop a ton on Amazon so the extra points I can earn and redeem there isn’t too appealing to me. But if you are a regular shopper, it could save you some money. The interest rates are standard. In the end I decided to cancel this card after I got the bonus. Overall though I would say this card is good.
I opened my very first bank account at Educators Credit Union. My mom made a point of telling me that credit unions are in business for their members, not to make money off of their customers (like banks). Ever since then I have been a loyal credit union member. I have since left the town this credit union was in, but when I was a little girl they always treated me with respect, even though my tiny savings account barely had $100 in it. I would highly recommend this credit union if it is in your area, their tellers are very friendly and nice. My mom still banks there and LOVES the credit card points she gets.
I have had American Family Insurance car insurance since my first car and have been very pleased with them. Unfortunately I recently had to file a claim. With the winter here, I slid into the car in front of me during the first snow fall. The adjuster was very pleasant to work with – he took pictures, compiled an estimate, and wrote me a check for my auto body shop right on the spot. Not only was my front bumper damaged, but my radiator was also damaged. The adjuster made sure to look in and out of the engine. The body shop also said they had dealt with American Family Insurance before and found them pleasant as well.
The bonus in points you get for signing up for the US Bank Flex Points card is awesome. Unfortunately, if you want to redeem the points for statement credit, the amount you get is ½ of what you would have gotten in travel rewards. Even with the ding, $200 extra bucks is very nice - $400 in travel would be better if I had the time to do it. Plus, they give you 4 months to spend the allotted amount, not 3 like other companies.
The Toys R Us Store Card works very nicely with the rewards program Toys R Us and Babies R Us has. You automatically get four points per dollar which you can redeem for store credit. As a new mom I make weekly, sometime daily, trips to Babies R Us and the points you earn add up fast. Many times there will be great deals, but only for credit card holders so it is very nice to be able to use this card and save even more. High interest rate, so I always pay it off in full.
It is nice that the Lord & Taylor store credit card offers an initial discount of 15% on your first purchase with the card. Not many store cards have been giving that lately. Having no annual fee is nice but the interest rate is very high, so unless you are going to pay off the balance in full every month, I wouldn’t charge to this card. The perks of birthday month discounts and special events are nice, but nothing spectacular. I rate it average.
I signed up for the Victoria Secret credit card when I was in college. I ended up cancelling it a few years later. Unless you are a diehard VS fan and buy their merchandise frequently, I think you would be better off with a normal, non-store credit card. The interest rate is outrageous so be sure to pay that bill in full every month. The free bonuses you get through the year are nice, but be careful; I know I always end up spending more money when I get a “bonus.”
The CITI Thank You Preferred credit card has one of the most amazing sign up bonuses I have found. Regardless if you use it for gift cards or travel it is a great deal. If you redeem the points for statement credit the amount gets cut in half – want a way around this? Search the rewards center for mortgage credit – they will cut a check to your bank and mail it to you. All you need to do is go to the bank and cash it.
BMO Harris bank is new to our area, so I initially went to them because I got a bonus offer in the mail. The new account process was easy to set up and the associate was extremely pleasant. As long as I maintain a minimum balance there are no fees and I am happy with that. I recently found out my husband and I can open a Health Savings Account (HSA) at BMO with NO FEES! I have called many other banks and $2.25-$4.50 a month is normal so I was very happy about this news. PS – I didn’t know this but BMO stands for Bank of Montreal.
I have been banking at Chase for about 5 years now. I find their credit card rewards to be awesome and if you have a checking account, you get bonus points. I can do all of my transactions online very easily and if I have a direct deposit there are no fees. Once I got a fee on my account and I called about it and they removed it. I also got my car loan through Chase and when I went to make my final payment, the financial account manager even sent me a personal thank you card congratulating me on making the final payment. I’d recommend banking at Chase.
I had an account with Badger Credit Union when I was in college. I liked it because it was within walking distance from my apartment. What was horrible was the customer service. It was not at all unlikely to wait 30 minutes in the lobby to get to a teller. It made me more upset when there was a 20 person line and two teller spots wouldn’t even have people working at them. You would see people come out from the back and then go away. Hello? Aren’t your customers important to you? As soon as I graduated from college and had a car, I changed to a different credit union.
Having a prepaid card, like the Western Union one, is safer than carrying around a bunch of cash. It is great knowing that your money is protected if you lose the card. But it seems like there are tons of little fees that can add up quickly. It has no activation fee which is good, but it does have a $2.95 monthly fee. Which is confusing because later it says it has no maintenance fee. Other prepaid cards will waive the monthly fee is you have direct deposit set up so it would be worth your time to look into other cards, otherwise it will cost you nearly $36 a year just to have it in your wallet.
The Guitar Center card doesn’t seem to have many benefits to it. There are no rewards for joining and you don’t even get points for even shopping at the Guitar Center. So I wonder why anyone would get this card. I guess the financing option is nice if you need to make a large musical purchase. The interest rate is pretty high so I would look around for other cards before you sign up for this one. I would have rated this card higher if it at least gave you 10% off your first purchase like many other store cards do.
I have been with Country for over 10 years for auto and 2 for home owners. I like the fact they don’t spend millions on advertising so their rates stay low. I have had to make two claims over the years for my and my husband’s car and both times it has been extremely easy to work with them. They have an adjuster meet you within 24 hours to inspect the damage. I simply went to get my car repairs and paid the deductible to the auto shop – Country paid the rest. I would recommend this company to friends or family.
BankAmericard Travel Rewards Credit Card is a good deal IF you have great credit and travel a lot. The initial bonus is nice, but $100 isn’t that much when other cards are giving out $200 to $500 for signing up. The rewards are all focused on travel and consist of statement credits for those travel purchases. It is nice that is has a 10% bonus for Bank of America customers and no foreign transaction fees. If you do get this card, make sure you read all of the fine print. In my experience with Bank of America there are a lot of conditions that must be met which can get annoying fast.
The Mango Prepaid Card seems like it has a ton of hidden fees. I think you would be better off opening an account at a credit union or bank and getting a debit card. There may not be an activation fee, but a $10 fee to close your account – you’ve got to be kidding me! Plus $2 to take cash out of any ATM (on top of any fees the ATM charges) and a $5 a month fee for the privilege of having the card (if you don’t have at least a $500 direct deposit). Avoid all of these fees and just go to the local bank down the street – this card isn’t worth it.
Wow! The Marathon Credit Card is the best gasoline rewards card I have seen! I actually did a double take at the 50 cents off per gallon in the first 90 days. 5 cents is what most other gas cards offer. Other credit cards with rotating balances give 5% cash back on gas purchases, but with this card, depending on how much you spend each month, you could get 3-16% back. With no annual fee, if you drive, this is a great card to have. Luckily there is a Marathon gas station right by my house and they are very competitively priced.
I would recommend the Staples Store Card to any business owner that can pay off the balance every month. The 5% cash back is great as well as the $0 annual fee. Plus there is no limit on the rewards that you can earn and the rewards never expire. But there are some downsides about this credit card to be aware of. First, the annual percentage rate is astronomical at almost 30%! Second, there is no incentive to get you to sign up. Maybe 20% off your first purchase with the card would be appropriate like other store credit cards do. Overall, unless you are a Staples power shopper, I would not get this card.
This has a great sign up reward – 10,000 points for spending just $1000 in the first three months – easy. Most cards give you a bonus after you spend $3000 in the first 3 months. If you travel, this is a great card considering the double points for booking travel…but you have to do it through the American Express travel website. I have never booked through them so I don’t know if the rates are comparable to other travel sites. I would hate to spend more for a ticket just to get extra points. Overall the rewards seem restrictive. I wish they would state if you could get anything other than just travel. I’m a big fan of statement credit myself.
What I first like about the Ink Bold Business Card is the 50,000 bonus points after spending $5,000 with in the first three months. BUT, what do I, a small business owner, do with what those points transfers to? It transfers to $625 in travel – ya right – if I had money to spend traveling I wouldn’t be a small business owner in need to a credit card! It would be much better if it was a statement credit. Another bonus with this card is the 5 points per dollar on charges that I do make a ton of – namely office stores and phones.
I have been a member of Summit Credit Union for over 10 years. Not only do I have a credit card, savings, and checking account, they also hold my home mortgage. Every time I enter the building the tellers greet me with a smile and seem genially interested in what I am doing that weekend or how my day is going. They have minimal fees – I think I pay $5 a year for a debit card and that is all. The only small complaint I have is that sometimes the teller lines are long, but since they give all of their customers personal attention, I can understand.
Working with David to purchase our first home was a pleasure. He was able to present a variety of scenarios for our situations and helped us get an amazingly low rate. We were deciding between putting 20 - 15% down and paying or not paying private mortgage insurance. Dave helped us with the math and we decided to put 15% down and have that extra 5% for any unexpected expenses. He was always quick to answer emails and came with us to the closing. He even brought the check with him to the closing for our down payment. He also worked well with our home insurance representative. I would recommend working with him to a friend.