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Overall the Amazon.com credit card is great for a frequent shopper of Amazon, because of the triple rewards points. Plus the $30.00 gift card that is applied to your account is a nice incentive. The other thing I like about this card is that there is no annual fee, unlike other cards I have used in the past like my Chase Sapphire card which charges me $95.00 a year. However, the one thing I dislike the most about this card is that the interest rates are a little high in comparison to some of the other cards that are available out there. This is a turnoff for me. As well as the foreign transaction fees. If you travel abroad frequently then this is not a great card to take with you because other cards out there do not charge for foreign transactions. However this is a great card for your domestic shopping on Amazon.
I went into Illinois Valley Credit Union to open a checking account because I was unhappy at my other bank. I was a little skeptical at first if this was the right decision because this was a financial institution even though they were a credit union. I was greeted with a smile and the paperwork for opening up a new checking account was a very smooth process. They were very clear about how to do direct deposit, online bill pay, and even gave me an option to refinance my car loan. After choosing Illinois Valley Credit Union I have no regrets about leaving my big corporate bank, because the people here actually value me as a customer and listened to my concerns. I was extremely pleased with the customer service I received and have no regrets.
This Citi ThankYou card is perfect if you want to open a new card and not have to worry about the initial financing fees that most rewards cards stick you with. The 15 months introductory offer of 0% interest is fantastic. You can easily make purchases and if you run a little tight on money one month you don't have to worry about getting dinged with interest charges if you wait a month to pay it off. This is one of the greatest perks of this card, because if you have a balance transfer or new purchases to make you can make them on this card and pay no interest for 15 months. If you go out to eat frequently this card will slowly pay for itself. Especially since the points don't expire on this card. If you need to make a balance transfer and need a little time to pay it off this card will give you the breathing room you need. I find it to be a fantastic card.
Rewards cards can be great if you use them to their full benefit and my United MileagePlus is no exception. I applied for this card after it became apparent to me that I was going to be traveling a few times a year for business and vacation. One of the perks of this card is that you get priority boarding when waiting for your flight. This may seem like a trivial perk, but after going through security and waiting at the airport you just want to get on your plane and not be hassled. This card allows me to do just that. The rewards points are competitive with other cards out there, but they are not the best you can get. The annual fee can be a deal breaker if you don't use this card to build up the points. However, this is a great card to have if you are like me and are constantly flying United.
I changed to EarthMover Credit Union when my current bank decided to implement fee's on my once free checking account. I was a little hesitant to move to a new financial institution because it always seems like you are jumping through hoops with banks. I couldn't have been more wrong. I was amazed at how helpful they were in assisting me to open up a new account. An account that was even free of any fees! They were able to set up my new checking account that day, and it came with all the benefits that I was used to at my big branch bank. It was an extremely hassle free experience and I even went back to them a month later to refinance my auto loan. They had an extremely friendly and knowledgeable staff and were quick to take care of all of my needs. I highly suggest moving over to a credit union the customer service was top notch and they made me feel like I was important.
The Sam's Club card does not seem to be as generous as other cards available. I use an Amazon Rewards Visa and I earn 3% back on purchases made at Amazon. I feel that this cards 2% cashback reward for making purchases at Sam's Club is very low. I would prefer something a little more competitive to other cards available. However, the interest rates seem to be inline with my Amazon card so it is competitive in that aspect. In the end I don't think this is a card I would change to because the reward at the store are not that enticing.