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Nationwide Bank Money Market Account was an awesome account to open and I will never regret it. Getting signed up and ready to save was easy as pie! The customer service was great, and the process was super simple. The only downside I can see for some people would be you need 1,000 down to start the account or to at least waive the fee (why would you want a fee if you are saving!) You also get a 0.760% interest rate which is amazing for this time and day! Get in and get saving with this account, I highly recommend.
Used to be a good bank, then they started to charge monthly fees if your balance didn't have 500, which may be hard for the college student. They also added surcharges onto ATMS beside their own. The fraud area is probably the best part I have knowledge on, they spotted bad transactions on my card and helped and sent me a new card right away! This is a good bank if you can keep more than enough in your account and not worry about it. It wasn't enough for me to stay there, but I was a college student at the time and didn't need extra money being taken out because I couldn't keep enough in. They were always friendly though!
Amazing bank! I've been using TD bank since 2000 when they were Commerce Bank. They offer great services such like the basic checking, the student checking (up to age 25) where you get no charges on balance or ATMS. The credit card they offer is awesome as well as the point and cash back system. The customer service has always been prompt and polite (online, in person AND on phone). I lost my card on week, they canceled it and sent a new one and I had it within the same week! TD bank is definitely a great bank to use if you have one in your area.
The Police & Fire Federal Credit Union has been one of the best credit unions I have banked with. The people are always polite and friendly and give a warm welcome every time I come in. The banking is also great, easy to access, and sign up was simple as ever, and 0 surcharge fees for every ATM I go too. The loans are nice too, no extra hidden fees, and they are easily approved if you are loyal and a good customer. The hours are a tab bit goofy like most general unions but they are easily accommodated to when you plan. Overall I recommend this union to everyone.
Great customer service i've had here, though the application process was tedious and a tad annoying, once I got through it was all smooth sailing from there! I generally go on off peak hours so my wait times are little to none.If I cant make it then, ATM deposits are available. They are also closed weekends which can be a downside for a bank. The best part for me was no charges on banking accounts regardless of balance! Plus the holiday savings account was a nice addition for around the holidays and birthdays. I would recommend American Heritage Federal Credit Union!
$95 annual fee? No thanks Chase Sapphire Preferred Card, it doesn't make you really feel preferred if you need excellent score for an annual fee. There are tons of perks though, 40,000 bonus points after spending $3,000 in the first 3 months which equals $500 in travel points. You earn 2X points on travel and dining at restaurants and 1 point per dollar spent on all other purchases. Receive a 7% Annual Points Dividend on all new points earned on purchases which is pretty nice for a yearly bonus. Then it takes you to the APR for a annual fee card, it has a 15% APR, my Capitol One Quicksilver has a 12% APR and cash rewards, while this card can be some, its definitely not for me.
When I used to live by a Kohl's, I used to love my Kohl's Store Card, the discounts were great, I made sure I went during the scratch off times to get my 15% from my card, plus the 10-30% from them which saved me tons of money regardless if it was on clearance or sale already. It does have that drafty 21.9% APR which you just pay your bill off, and no fee, simple! I really did enjoy this card when I got the major sale savings, definitely worth it if there's a Kohl's in your neighborhood.
The Capitol One Secured Mastercard is your general, please help me I have limited or bad credit history card. The biggest downside is that it is MasterCard. Most places take visa, some take MasterCard, so you have to deal with that issue. It has an annual feel, which if you forget about can majorly derail you with fees and late payments. You can put in a secure deposit which you benefit off because its what you use. You also get credit scores from 3 bureaus. I'd try staying away and move toward the visa secure card of Capitol One, just so you don't have purchase issues. If you need to get your history up or fix your rating, this is one of the few good cards to do it, Capitol Ones customer service is pretty good.
The Limited Store card is a decent card to use if you shop retail for clothing, just like any retail store credit card they'll send you coupons for a specific percent off (during birthdays promotions, sneak peaks, ect) You get double or extra points is bonus times of the year. As soon as you use the card you get 15% which is nice. The real kicker is every 300 points, which is $300, you get $15 off, which is great for clothing attire, stack it with bonus points and a coupon and you're saving like royalty. There is a semi high APR which most retail stores have, but pay it off and there is no issue!
One of the worst possible choices for a credit card possible, you're really better off having any credit card besides the Goodyear Store Card. No annual feel is great, but most cards already have this. It offers discounts and promotions, great? It seems more like one of those rewards cards you use to see if you get discounts on groceries but get kicked with a super high APR. Sure you can pay it online, but every credit card has that feature. I would highly recommend staying away from this card, it brings nothing to to the table. You can find better else where!
First off with the Disney Rewards Visa Card you get Get a $50 Disney Gift Card after first use of the Disney Rewards Card, which is pretty awesome if you shop at Disney a lot (especially for the younger kids!)Earn 1% on everyday card purchases which equate to 1 point per $100, which can add up. Then on top of that you get the nifty little discount at Disney stores. It offers a decent APR after the first year, so regardless if you pay off your balance you won't have to worry about it, as well as no annual feel. This is definitely a good card to have if you are obsessed with Disney or have younger children!
Good card to save on gas, $0.15 per gallon on eligible gasoline purchases made at Exxon and Mobil stations 2% on other purchases. So as you see the Exxon Mobil Credit Card is pretty much good for saving up on gas. If you travel a lot it would be a good investment to make, get a save a little while spending. This would definitely be a good card to have to get some savings, if you don't already have a cash back credit card such as the Capitol One Quiksilver.
I love this card because of the fact it has gotten me a low apr of 12.29. I shop with my Capitol One Quicksilver Cash Rewards Credit Card nonstop, so i earn 1.5% back on every purchase. I also got the One-time $100 bonus after you spend $500 on purchases within the first 3 months quickly. It has been a great card since I use it all the time and get money back monthly from it. It quickly adds up!
Just another Brand/shoppers/frequenters card in my opinion. The Travelocity Credit Card will greatly benefit you if you're a constant user of the Travelocity services. You get 5,000 points when spending $1,000 in the first 3 months. You get 3 points for using their services and 1 for anything else. It has a general APR which fluctuates based on your score. I wouldn't really bother getting this card unless you use Travelocity all the time. You'd be better off with a lower APR card with rewards, like the TD platinum Cash Rewards Card, or another valued card.
AMAZING! 8.99 APR throws all starter cards out the water, especially capitol one and bank of Americas. The rewards are general just like most rewards cards, which rewards are always a plus. And since it has no annual fee, this is an amazing card for the person starting the path into obtaining credit. I definitely wish I had The Navy Federal Credit Union nRewards Secured Credit Card when i started, instead of capitol ones. Get this if you can!
Great gas card to have, being on the east coast, there's tons of Hess stations to use the HESS Credit Card. 10% cash back for 60 days is pretty insane for a 60 day introductory period. There is no 0% period for the first year, so that is a downside, and maybe the 19% APR is risky if you're bad on your payments. You also earn 3% rebate up to $400, then 1% after all those wonderful rebates from 10%-3%. I would recommend this card solely for buying gas when you need it and paying it off quickly, earn some free gas while spending on it.
The First National Bank of Omaha American Express Credit card offers a nice rewards program - 2% on gas and groceries, and 1% on everything else which most cards offer now a days. Now starting off you get 0% APR and balance transfers for 1 year, which is always nice and standard to decent credit cards. It also has a nice variable for which you can get as an APR, which is very important. This card is a great all around casual card if your the average person doing the average spending. Get your balance transferred, paid off, and earn some points, while getting some cash back on everything you do. It reminds me of my TD Platinum card which i use frequently for the cash rewards. I would highly recommend this card.
First Progress Platinum Elite Mastercard Credit Card is another generic secured card for beginners and people trying to get out of the hole of bad credit. You set your own deposit at a FDIC secured bank and use it, simple. Only real downside is it being a Mastercard, you're better off finding something like a Capitol One secure card, or Bank of America Secure card. I've personally used Capitol Ones, when first starting off in the credit world, works exactly the same, but its visa. Visa cards are more accepted than Mastercard in most scenarios. The only fault you could find with this card besides that is the $39/yr annual fee, which when you build better credit will disappear when you change cards.
Sportsman's Warehouse Credit Card is basically a chain rewards card, great to use if you're a frequent shopper to this venue. You get 3% spent at the store on their products, but then 1% on outside purchases, so you can still rack up the points to buy what you want later on. On top of that you get a $25 gift card to the store once you hit 2,500 points without withdrawing your own points(you even get 1,000 initial points). Your APR will depend on your credit score, there is no low "intro" rates or balance transfers. So its just a basic credit card for you to have at your favorite store.
The Discover More Card has a intriguing no balance transfer fee, which you can use for a year, but it would be best if you paid it off by the end of that year. The interest rate is quite high afterwards. You get 0% fees/balance transfer fees for a year, this is good for just a year though. A nice perk to the card is the 5% cash on travel, gas, groceries, restaurants is pretty nice since it doesn't expire. If you need to pay off your balance, transferring it to this card would help since you get some rewards while doing it.
Get BankAmerica Visa Fully Secured Credit card if you need to establish yourself in the credit world or get yourself out of the hole. Basically you provide a security deposit and if you do well over 12 months, you get it back. The only downside is you have a $39 fee per year, but when your building your credit it really outweighs that negative speck. After a year you can get increases based on your annual report of how much you pay and use the card. Once you establish some credit with this card you can then branch out to better cards or upgrade into a rewards card or a card of your choice.
The Big O Tires Store Card is maybe the perfect card for you, but most likely not. You wont really be getting much out of it unless youre having tons of tire issues weekly or monthly. But who really has that issue. You get prepaid visa cards if you pay a select amount and a high % rate for fees. If you buy tires you get 6 months interest free to pay them off. You would be better off using a gas card for the most park like Quik or NEA or general cash rewards card and just build your points off of spending it on the repairs and tires.My opinion would to be stray away from it and get a Chase Rewards or Visa Rewards card.
The J.P. Morgan Credit Card is basically a card if your a business person or a frequent flyer/traveler. You get points for every $1 on travel purchases,1 point for every $1 on all other purchases, and 25,000 bonus points when you spend $100,000 annually and make other purchases. These bonuses don't really seem to pan out unless youre in a corporate position and flying almost weekly. The shining factor for this is its low interest rate and transferring your points 1 to 1 per airline and no blackout dates.
Great card for building up Carnival credit for cruises. The Carnival Credit Card give you 5,000 after your first purchase! Transfer an existing balance over for another 5,000. Get double points for carnival products and snag 1 point for every dollar spend else where, plus there is no annual fees. Please do be wary of the 3% transfer fee with a 23 day grace period will end up causing you extra fees if you don't intend on paying it all off asap, which really negates the point of getting the extra 5,000 points. If you love cruises, this is the card for you.
Awesome, AARP Rewards Credit Card gave me 10,000 points rewarded as soon as i hit $500 which gave me $100 back. It also gave me 3% cash back on gas station and restaurant purchases and a full 1% on all other purchases which is fantastic for credit cards now a days, especially dining out and fueling up and a rate of 16.24% is good considering the current economy, plus no annual feel is a HUGE bonus.
Best credit union i've ever used. Especially with the debit card rewards, makes shopping and getting extra point and rewards safer and easier. No minimum checking account balance requirement. Has some of the best perks a account could have, especially interest on your own money, what bank does that?! It also has No minimum loan balance requirement, No monthly maintenance fee, Free Blue Safety Checks (First order only),Access to thousands of, surcharge-free ATMs,Customize your Visa debit card with a picture for free ,0.25% loan rate discount with auto transfer from checking. Anyone living in this area would be silly not to use them.
QuikTrip Gas Card is an awesome card to have, especially since I just started a job in which I travel TONS! The ave 5 cents per gallon on the first 400 gallons purchased in the first five billing cycles is pure heaven for me! Ive saved tons of money filling up day to day during my travels. This card is great for saving on your gas bills, especially with these atrocious prices now a days.