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The UPside Prepaid Debit Card, to me, has zero upside, and is a waste for anyone. There's no activation fee, but you're stuck paying a monthly fee no matter what each month. If you load $500 or more, you pay just $.99, but if you don't, you're stuck paying $4.95 a month. You also have to pay to cancel the card! Prepaid cards like this aren't pretty - for example the READYdebit Visa Prepaid Card has a $9.95 fee, no matter how much you put on the card, but it has free cancellation. You do get free direct deposit onto the card, and while you can write personal checks from it, those cost $2.00 each. Case in point -- unless you need it, avoid this card.
The BankAmericard Cash Rewards Credit Card is a phenomenal card, but you have to have excellent credit to get invited to the show. This card has no annual fee, and its interest rate is surprisingly low. You can get the card at 12.99 percent at the lowest, but also up to 22.99 percent, which isn't as lovely. If you make $500 in purchases in the first 90 days, you get $100 cash back, which is a great perk. You also get cash back on every purchase, and more on groceries and on gas. There are other rewards cards, like the Capital One VentureOne Rewards Credit Card with similar perks, but this card offers to many what they are looking for -- low interest, high rewards. I highly suggest you look into it if you have excellent credit.
The Ann Taylor LOFT Credit Card is your typical store credit card. It has a not so nice interest rate (24.99 percent), which is always a turn off, but if you use it strictly to shop at Ann Taylor LOFT, you will be better off. It offers 15% off your order when you open and use the card, and then you get deals on the first Tuesdays of every month. In addition, you get 5 points for every dollar spent at any LOFT location, and any non-LOFT location, just 1. The L.L. Bean Credit Card offers a similar program in terms of reward points, but it has a significantly better interest rate, so the LOFT card is somewhat of a turn off. Either way, if you shop at LOFT enough, you might be better off getting this card, most certainly if you can simply pay it off immediately and avoid interest building up.
The Capital One Cash Rewards for Newcomers is a great card for anyone heading into the credit card market. You get cash back, which is always a plus, and there is zero annual fee. The downside to this card is that you are learning the negative aspects of credit through the interest rate, which is at 24.9 percent. It is a better option than the Capital One QuicksilverOne Cash Rewards card, which has a $39 annual fee. While it does have less of an interest rate at 22.9 percent, I still think you're better off paying a little more interest and not worrying about any annual fees.
The Household Bank Credit Card is an OK Card. It has annual fees, which I hate, but it is available for people with just fair credit. There are no introduction rates, and the regular rate starts at 14.99 percent up to 19.99 percent, which is average or in some cases lower than other cards. The NFL Credit Card on the other hand, is for fair credit customers and has no annual fee. It doesn't offer an introduction rate either, and its regular rate also starts at 14.99 percent, but it goes up to 22.99 percent. Its balance transfer fee is 4 percent while the Household card is 5 percent. I hate annual fees so I don't like this card but it might be perfect for your situation.
I am not a fan of the Walmart Money Card. I do not think it is the best card out there for people that need a money card. I do not like the monthly fee. While you can avoid it by reloading $1,000 in the previous month, not everyone can do that. The American Express Serve, on the other hand, charges no fee. It has no overdraft fees and you can withdraw cash from Moneypass ATMs at no charge, which is also a positive. This card might work for some people that can afford bigger reloading numbers but for the average joe, you might want to look at other options that could work for you.
I highly recommend BCFCU. They are in a great central location on Elmwood Avenue and they are so much better than the big national banks. Their workers are very nice and friendly. I believe their rates and fees are quite good, better than you can find in many other places. If you are a fan of online banking, then you are good here because they have access on the web. You can also apply for loans right online. The community feeling you get here is one you won't get elsewhere, at least at bigger banks. If you are looking for a credit union in Western New York, go to the Buffalo Cooperative Federal Credit Union. You won't regret it.
I am very pleased with First Niagara Bank. I gave them a shot because they are a local business and they really do a great job at taking care of their customer. I love their program where any non-FNB ATMs do not charge me a fee because it saves me so much money, especially when I am out somewhere and am in a bind for cash. I haven't dealt with their customer service that much because I haven't had problems but I really think that they do a great job at making sure their customers needs are met at all times. If you are looking for a bank in Western New York, go for it.
I have been pleased with my Bank of America savings account ever since I got it. Their customer service has been great and when I have had any problems they've always worked with me to fix them. My favorite part of the bank is their Keep the Change program, where checking purchases are rounded up to the nearest dollar and the difference is deposited into your savings account. This is a great way to save some money and it is just change, at the end of the day. The application process was very easy and quick and before you knew it I was a member of the bank. I highly suggest you give them a chance. The bank might have its problems in other departments but the savings account has always worked out for me.
The American Express Gold Card seems nice but it seems like it isn't meant for everyone. I do not like the fact that there is a significantly expensive yearly fee, nor do I like that your balance has to be paid in full every month. I couldn't afford that. The Chase Freedom card, on the other hand, does not have a yearly fee, nor do you have to have your entire balanced paid in full each month. That card also has low APR. While the perks of being an American Express card member are nice, they are just not feasible for me and most likely a large chunk of Americans.
If you are a fan of Disney, you will be a fan of the Disney Premier Credit Card. While the APR is average, you can choose different disney images for the card itself, which is great. The best part of the card would have to be the point system. You can earn Disney points which can be redeemed in Disney stores, or even better, at Disneyland or Walt Disney World! The card is made by Chase, and their mobile application on my iPhone is great to use. Their customer service is great and I've never had problems. Minus the APR not being the greatest, I have to say I truly love this card and it has saved me so much money at Disney Parks!
I am a huge fan of the Target REDcard because it's a great tool to use to save money at the store. The 5 percent discount on items at the store is a huge perk, especially when I intended on using a debit card to begin with -- I can simply pay it off immediately and reap the discounts. They also offer it to people that might not have the best credit, which you don't see much these days. Another great feature is that there are zero fees and no point systems that will confuse you. You use the card, you get the discount. It can't be any easier than that.
The American Express Serve card looks like a great prepaid card. You can't go wrong with no activation fee and no monthly fee. Those are big ones. If you have direct deposit, you can use it for free at ATMs, too. This is unlike the READYdebit Visa prepaid card, which has a 10 dollar activation fee off the top, and then a 10 dollar a month fee. It also costs $2.25 for each transaction with an ATM. What card makes more sense to you? While both have free signature/pin transaction fees, it's evident that the American Express Serve prepaid card hits it out of the park in terms of a great prepaid card to have.
I am really pleased with the Citi Forward card. The interest rate for the card is very low which you do not see any more these days. It offers a great point program and if you take advantage of it in the time frame they offer for the 10,000 bonus point offer, you can really make it worth your while. The card also offers a great balance transfer rate. Citi's customer service is also great and I have never had any issues with them. The only problem I would have with the card is the cash advance rate, which is quite high. Otherwise I love this card and I highly suggest that you sign up for it when able!
I absolutely love the Chase Freedom card. I had a lot of credit from student loans but they accepted me without any issues. I love the 1% cash back feature it offers on top of what it offers quarterly. The card has special genres it focuses on each quarter and then you get bonus cash back if you use the card then. These categories include gas, restaurants and other fields. Their customer service department is phenomenal and are very helpful if you ever have any problems. They also don't spam me with nonsense and junk like other banks do. I highly recommend this card to anyone who is looking for a new credit card, it won't let you down!!!
I am a fan of Macy's credit card even though I do not shop there normally. When I was engaged my wife and I went there to get a registry set up. They mentioned to us that soon-to-be newlyweds should sign up for a store credit card because they get a significant amount of rewards. I did so and was told when you buy items with your card on your registry, you'll get reward cash back for future purchases. We bought a ton of items from our registry with the card and also some other odds-and-ends like pillows and we really got our bang for our buck a few months later. Macy's also sends a great amount of coupons that require store card use and I have to say the deals are very nice. The interest rate is terrible but I typically pay my purchases right off so it doesn't affect me whatsoever. I recommend this card if you ever shop at Macy's.