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I like the fact that there is zero annual fee for the first year. For some people they do not like the fact they have to pay their entire balance. I think that this allows you to be able to control your spending, because you know what to keep your limit each month. It will hopefully cut down on the need to splurge, because you know that you will have to pay back the entire balance and there are no interest charges. I love the fact that you can transfer points to your flying balance if you are a frequent flyer. The more points means the less that you will have to pay when purchasing a plane ticket. I also love roadside assistance. My account now prepaid visa does not offer a lot of these features. I would say that this is a great card to have.
I love the fact that the annual fee is $0 for the first year and only $19 thereafter. For many cards, you will definitely pay higher than that. My account now is definitely one of those cards, that require you to pay more overall for the year. I also like the rental car clause where you are covered for collision, damage and loss. My card also does not have this. This card also has roadside assistance. As a single female, that is always important if you are driving alone, particularly at night. This would give me a sense of assurance that I could get the help needed. I also like the fact for foreign transactions there is no fee.
I like the fact that if you are a frequent shopper at LL Bean that you can earn discounts everytime you use the card. The maximum penalty APR is quite high and the cash advance rate as well. I also love the fact that along with earning at LL Bean you can earn 1% wherever you use your visa. That is huge especially when you are using it at hotels, gas stations, and other retail outlets. Every penny saved helps. I have a prepaid account now visa which does not offer a lot of these things. I also do not have a discount for the discovery school purchases. If you have a student and want to buy, 10 percent savings can be a big deal.
I like a few things about the Marathon Card. One is the fact that you can save on gasoline and even get a 25 dollar card to use on future card purchases. I like the fact that you can save up to 50 cent per gallon for the first 90 days. With gas prices the way they are today, that is huge to be able to get that kind of savings. I also like that you can earn double rates for a specified time period. I am not too fond of the maximum penalty APR and the cash advance rate. I have an account now visa prepaid which offers some high rates as well. However, I think that this would be a great card to have if you have a number of marathon stores in your area.
I like a lot of the advantages with the Journey Student Rewards from Capital One. I especially like the fact that they have 24 hour travel and emergency assistance. A student is often on the road visiting their family and this is a good thing to have. I also like the fact that you have access to your credit score. I have an account now visa prepaid card which does not have either of these features. I do not like the high rate for getting a cash advance rate. It would be nice if that were lowered.