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I worked with Aaron Meilich when I lived in california, and I had a pleasant time dealing with him. I lived with my girlfriend and I was helping her go through the mortgage process for her house. We had a lot of initial issues and concerns but everything was handled professionally and we were very satisfied with the service we received. For all of our questions about the initial process and any time we needed help or had additional questions we were able to get in touch with him and get the answers we needed. Everything worked out much better than we could have hoped for. I highly recommend Aaron Meilich, and the rest at Golden pacific bank.
The AT&T Credit Card is your average run of the mill rewards card. In fact, it is probably less than average. You get 10% off the purchase of products from AT&T, which for me isn't very useful. Also, because of the point system the reward program uses, you can only redeem it for so many things. The gift cards are nice, but I would prefer cash. Most of the gift cards aren't ones I would choose anyway. This card isn't really worth having, especially if you can get a better rewards card. But there's no annual fee, so why not I guess.
If you love Sony products as much as I do then this card is a no brainer. The Sony Card from Capital One is a great card to have if you purchase a lot from sony. I find myself being somewhat of a brand loyalist and I have gotten a lot from Sony in the past. The rewards you earn using this card can rack up pretty fast. You get 3 points per $1.00 you spend on Sony products, and you also get points for buying things from other places as well. On top of that. It's definitely a card to pick up, it's fairly easy to get approved for as well.
The Menards Store Card is a good store card if you search at Menards or other stores where the card works as well. The base cash back is kind of on the low end, but it is still a decent card. You only get around 1% to 2% depending on the circumstance. So it may not be beneficial to you to use this store card over another rewards credit card that offers a bigger cash back bonus. That is if you have one available to you. If you don't then this store card is fine. Overall, if you shop at menards a lot, pick it up, it's easy to get approved for.
The Western Union Prepaid MasterCard is a great prepaid card. It excels in many areas where most prepaid card companies fail at. Mainly with the fees. With the western union prepaid card there are little to no fees. There's a fee if you don't use the card for like 120 days, but other than that, nothing else. No monthly maintenance fee, or activation fee. No nickel and diming with this card. The customer service is also very good and you will get help quickly instead of staying on the line for hours only to get someone who doesn't speak english. This is a good prepaid card if you need one.
The Hyatt Credit Card is very good if you use Hyatt a lot. Otherwise, it really isn't that great. The rewards are fairly ok, but nothing to brag about honestly. There is a $75 annual fee which I think is unnecessary when comparing it to other cards of this same type. I just don't like ridiculous fee's that companies attach to their cards. I feel like I'm being nickel and dimed and they are trying to get every little penny out of me. I guess if you travel and stay at Hyatt a lot this card is worth it, otherwise, probably not.
The Carnival Mastercard Credit Card is a fairly good credit card to have. It is a rewards credit card and it is very easy to rack up a lot of points. When you make your first purchase using this credit card you will be given a very generous 5,000 points which is very very nice. There is also no additional fees attached to this card unlike some other cards out there. There's no annual fee, and the customer service is good as well. The cards APR though could be better, but it's not horribly bad. This is a good card if you don't have anything better.
The thing about the JetBlue Credit Card is you need fairly good credit to get approved for it, I wouldn't say the absolute best or anything like that, but you still need very good credit. It is an American Express card though so it is definitely worth it in the long run. The absolutely top notch customer service alone makes this card worth it. The APR rates are comparable to other cards like this, and the rewards this card offers are very good as well. The APR is decent, and there is an annual fee attached after the first year. This is a good card, if you can get approved for it.
The NFL Credit Card is decent at best. The APR is high and as it does offer some rewards, they are not very good. There are so many other rewards cards that are so much better. Although the main appeal to this card is it is the NFL card, so it allows you to show how much of a fan you are. But as a card itself, it really isn't that great. There is no ridiculous fee's at least, such as no annual fee of any kind which is very good. Other than that, this card probably won't get much use if you have another rewards card.
The Capital One Platinum Credit Card is your basic no frills credit card. It does have an annual fee of $19.00 per year, but the first year is waived off. There isn't any other ridiculous fee's attached so that is good. This card is the one to get if you have no credit or a very limited credit history. It's basically designed to just get your foot in the door and use this as a stepping stone to build up your credit and get a much better card, like one that rewards you for using it. The APR on this card is pretty bad, so make sure you make the complete payment at the end of the month or the interest will eat you alive!
The Journey Student Rewards from Capital One is a great beginning card for someone looking to establish their credit, like someone just out of high school or starting college. The rewards this card offers are kind of on the low end when compared to other cards of this type. It is only 1.25% cash back if you pay your bills on time. But no annual fee and the absence of any other fees make this a good card for building up the credit. The APR is quite bad though, so make sure you pay off the bill at the end of the month to avoid it altogether.
The KAIKU Visa Prepaid Card is a great prepaid card to have if you have use for one. There are many options available to reload the card, I hear you can even do it through paypal. The problem with a lot of prepaid cards is they attach many ridiculous fee's on top of the card, it's one of the ways they make money, by nickel and diming their customers. Well, there's no fee's here at all, no annual fee, no monthly maintenance fee, or activation fee. There's also no credit or back ground check issued in order to get approved for one either. It's a great prepaid card.
The PenFed Platinum Rewards card is a fantastic card. If you can get approved for it, that is. You need top notch credit to get this one, but if you can it's a great credit card to have. The rewards are pretty good, the intro APR is I believe a little over 9%, which is great in my book. For being a member you get access to a 24/7 concierge and other exclusive benefits only available to cardholders. Usually, cards with these types of benefits have a very high annual fee, but not the PenFed Platinum Rewards card. No outrageous fee's of any kind.
The BankAmericard Travel Rewards Credit Card is a fairly decent card, it definitely is not the best card available but it is not the worst either. One thing I found interesting about it is how hard it was to get approved. The card requires pretty good credit and you would think that for how hard it is to get approved, it would be better, but nope. It's not a bad card by any means, just doesn't compare at all to other rewards cards on the market today. At least there is no unnecessary fees attached. But other than that, I would just go after another card instead, there are much better offerings on the market.
The Blue from American Express Credit Card is a great card to have for many reasons. The no annual fee and no other crazy fees attached makes this card great. Not only that but with this card you are going to get the absolutely fantastic American express customer service. No waiting on hold for hours and hours and then finally getting someone who does not even speak english. The rewards for this card are good as well, with decent APR rates and everything else. This card is a no brainer definitely. I also have to say that to me, it's one of the best looking cards on the market.
The Tire Kingdom Store Card is a good store card for getting tires when money may be low and you need them right away. The no annual fee, and no other fees attached to this card makes it very attractive option for purchasing tires from Tire Kingdom. There is also no interest charged if you pay the full amount within 6 months I believe. This coupled with low monthly payments makes this a great card to have to choose from. You may be able to save more by using a good rewards card, but if that isn't an option, consider getting this one.
The Cabela's Credit Card is a great card to have, especially if you shop at cabelas quite often. I happen to go camping a lot, and I also like to go to the range for shooting with my friends. You can save so much by going to Cabela's it is ridiculous. And by using this card the savings can be even further increased. The no annual fee on top of it is great as well, as no one likes a bunch of unnecessary fees. This is a good rewards card and will help you save quite a bit at Cabelas, definitely worth applying for.
The Kroger 1-2-3 Rewards Credit Card is a great card if you have a Krogers in your area. Krogers is the main grocery store that I shop for groceries at, so for me it was a no brainer to get their store card. Little did I know how amazing it is, and how much money it would save me in the long run. Since I use it weekly to buy groceries, the points adds up very quickly and I regularly find myself earning free food because of it. I love the card, and I will continue to use it whenever I can.
The Expedia Credit Card is a good card for earning points towards flights and what not. You gain some points for every purchase you make through them and it adds up quickly. This card is not that great, it does not hold up to other cards in this category. The rewards are not as high as some other cards, and the customer service is kind of suspect. Overall, if you can get approved for some of the better rewards cards you will save more in the short term and long term, but those cards can be quite the pain to get approved for.
The Citi Secured Credit Card is another credit building or rebuilding card. The problem with secured cards is that most of them have lots and lots of ridiculous fees attached that never seem to end. They suffer from horrible customer service when you need it, and generally are just unreliable. Not with the Citi secured master card though. There is a $29.00 annual fee, but other than that, it is the only downside. Fantastic customer service. No monthly maintenance fees, or fees to use the card. Also it's from a reputable brand that you can trust. It's a great card for establishing your credit.
The Marathon Credit Card is a great card for buying gas. In these times with gas prices soaring and going higher and higher, being able to save some extra money at the gas pump is a god send. Even if the gas prices are not as high as they usually are, it is always nice to save $0.10 or $0.25 per gallon at the pump. This really adds up, and is a great savings. This card is really a no brainer, no annual fee. No other ridiculous fees. What more can you ask for? Highly recommended card to save a little bit more when buying gas.
The Open Sky Secured Credit Card is a good card to begin building or repairing your damaged credit. It's a secured card so while it will help you build credit, you will need to deposit at least $200.00 first in order to use it. The fees are not too bad with this card. There is a $29.00 annual fee, which is pretty standard among secured cards. There is also a fee to increase your credit limit by making a deposit. No information on the customer service, but honestly, I wouldn't expect too much. Basically, consider this card if you can't get approved for something better.
The Staples Store Card is great if you find yourself shopping at staples on a regular basis, or even sporadically. Just by being a member you save a fantastic 5% on all purchases with this card at staples. There is no ridiculous fees and not even an annual fee either. Another benefit on this card is how easy it is to get approved for it. Just apply and most likely you will get approved unless your credit is very very bad, and even then you still might get approved. There is also other benefits with being in the Staples reward program as well. This card is great for those people that shop at Staples quite often. Highly recommended.
The L.L.Bean Credit Card is much more than just a store card. It's actually a pretty good rewards card as well. You gain 3% on everything you buy at LL Bean, and 1% on everything you buy anywhere else. It's actually pretty good rates. The APR isn't as bad as some other cards, and there is no annual fee. You do need good credit to get approved for it, but that usually goes with most decent credit cards these days. There is also some exclusive sales only available to cardholders at LL bean, which is a nice added benefit on being a member. A great card if you shop at LL bean.
The Guitar Center Store Card is your standard no frills store card. It is a good option if you want to make a big purchase at guitar center and have it financed to pay it off. Other than that, it really doesn't offer much else in terms of benefits or rewards for using this card. So if you have another rewards type credit card, it is probably best to use that instead. But this is not a bad option in any way what so ever. The APR is comparable to other store cards so you're not getting ripped off, no fee's either. As the card is easy to get approved for, if you like guitar center, go ahead and pick it up.
The Blue Cash Preferred from American Express is a great rewards card. When you are approved and spend a certain amount on the card within 3 months, you get $150 reward dollars which is a nice bonus. This card also has some of the highest cash back on purchases at supermarkets and gas stations I've seen. It's 6% at supermarkets, which is very nice and adds up quickly. There is a limit to how much you can earn yearly though. One downside to this card is the $75 annual fee, which isn't too outrageous, but it is a fee nonetheless. Overall this is a great card to have.
The British Airways Visa Signature card is good if you want to rack up many many miles easily. You get 1 and a quarter mile for ever $1.00 you spend with the card, which is not bad at all. One downside I see to this card is that there is an annual fee. There is no annual fee for the first year as it is waived, but after that it is almost $100 a year. Depending on how many miles you rack up, it may or may not be worth it. There are other cards out there without the annual fee that will probably save you more in the long run.
I've always liked American express cards, after having many nightmares with other credit card companies customer service and having to wait on hold for hours to get my issues settled, only to end up being very disappointed in the end, it's a breath of fresh air to deal with american express customer service. No problems ever with them. That said, the Blue Sky from American Express card is great in other ways too. The points are easy to earn and you get a great APR and usually no APR in the beginning. It is kind of hard to get approved for as you need pretty good credit, but if you can get it, definitely do so. The no annual fee makes this a no brainer in my book.
I signed up for the American Express Serve card a year ago because they were running a special offer where you could receive the card, and also a free $50 just for signing up. I didn't think I would use this card much but I found it to be very useful. The site to manage the card online is very well designed, allowing you to add users to your account and manage their spending limits easily. It's a nice feature I haven't seen offered by other prepaid credit card companies. Of course, this is an american express card so customer service is going to be great. This is a good prepaid card if you're in the market for one.
The Hilton Credit Card is a great card to apply for, if you travel a bit or find yourself staying in hotels this is a great card to have. The card is an american express card, so as always you know the customer service is going to be absolutely top notch, no problems there whatsoever. The APR is comparable to other cards of this nature and there aren't any ridiculous fee's attached either. No annual fee makes this card a no brainer. This is a rewards card and you will earn points pretty quickly, you may even end up getting yourself a free stay in the hotel!
The TJX Credit Card is a great store card if you shop at Marshalls or TJMaxx or the other stores that this card works with. You get I believe 10% off your first purchase which is great. The rewards program offered by this card is very good as well. 5 points for every $1.00 spent at these stores is really nice and adds up quick. You also earn 1 point for every $1.00 spent everywhere else. The other good thing about this card is that there are no ridiculous fee's attached, there is not even a annual fee which is really nice. I like this card, highly recommended.
The BankAmericard Power Rewards Visa Signature Card is a good credit card. It's rewards program is pretty decent I guess, it's not that special though and probably will get replaced if you find yourself with a more popular rewards credit card. Although the points are nice on the card, there is no limit to how many you can earn every year, and you get a bonus to the amount you earn for the first 6 months, which is nice. Other than that I find that this card is just kind of lack luster and isn't worth using over some of other cards I have.
The Radio Shack Store Card isn't a bad card but I probably don't need it. I do find myself shopping at Radio shack quite often, but the discount just isn't good enough to make you use this card. That is if you have another half decent rewards credit card that gives cash back. The discount for buying batteries is nice, and if you are planning on spending quite a bit there, then maybe it would be worth it to use this card, As you get no interest on purchases if you pay it off within 6 months I believe. It's a good store card, but might be replaced if you have another rewards credit card.
The Direct Express Prepaid Card is a great prepaid card. It's definitely one of the best on the market. Most of the other prepaid cards out there have some silly unnecessary and sometimes over the top fee's attached, for things like receiving a billing statement that uses paper, or charging you to actually use the card, or if you don't use it enough, or if you don't deposit enough, the list goes on and on. Not with this card, no crazy fee's, you don't have to pay for customer service help, and you get a free withdrawal from the ATM as well. Great prepaid card!
The Brooks Brothers Credit Card is a good card if you find yourself shopping at brooks brothers quite often. The rewards program offered for shopping with this card in the store is pretty good. You receive 4 points for every $1.00 spent at Brooks Brothers and 1 point for every $1.00 spent anywhere else. There's no ridiculous fee's and there is also no annual fee attached to the card. If you use the card for shopping at brooks brothers, you also receive free shipping on any items you choose to return to the store, which is a very nice bonus. Overall this is a good rewards store credit card for brooks brothers.
The Priceline Credit Card is a very good rewards card, it is very generous in it's rates and rewards that are offered. There's no intro APR rate which is surprising as it has been mostly a standard practice in reward cards lately. If you're looking to get cash advances then I would suggest using another card, as the rate is higher than normal. Other than that, the bonus points you receive from purchases are very nice. You also get 5x the points from purchases made from priceline, so that is a huge plus as well. Overall, this is a good rewards card if you can get approved for it.
The Walmart Prepaid Card is alright at best. I guess I'm just totally against ridiculous fees, and one of the most hated fees is the monthly maintenance fee, which this card suffers from. Of course you can remove that by loading a certain amount, but if you don't the fees will be there. That being said, other than that, it is a great prepaid card. You have to deal with some amount of fees no matter who you deal with, so I guess it isn't that bad. There's no annual fee which is good, and you can waive the activation fee if you apply online. I recommend it if you need a prepaid card.
The Citi Diamond Preferred Card is a pretty good card, it is not one of my go to cards because I have some other good rewards cards that give great cash back, as this isn't one of them, it's hard to justify its use. Other than that, the no annual fee, and great customer service, not to mention decent rates and some other features the card offers makes this very attractive. It is kind of hard to get approved for though, and I'm not really sure why. Seeing as hard it is to get approved for it, you would think it would be better. But it is a good card though, if you can get it.
The Lord & Taylor Store Card is a great card to have if you shop there on a regular basis. There's no amazing perks or anything that I know of but it's a good card nonetheless. That being said, if you spend quite a bit, you will get upgraded to the premier version of this card which is black and has a bit more perks attached to it. I don't spend that much there so I don't have that one, but who knows maybe one day. Over all this card is good, but because I have other great rewards cards it's hard for me to justify using this.
The Citi Forward Card is a great rewards card to have, especially if you like to eat out a lot and buy books and the sort. The rewards definitely add up and you can save quite a bit from using this card on a regular basis. I just found out that Amazon counts as a bookstore so, yea that's amazing. I usually buy my books from amazon so I wish I knew that before. No annual fee, no other lame fees that aren't normally associated with credit cards. Great customer service, just an all around good card. It isn't that difficult to get approved for either. Highly recommended!