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The Professional Business Bank Credit Union is fantastic! The customer service is unlike any other financial institution I have ever been to or used. They truly cared about me and making sure that I was having a nice time. Although there is no online banking, I really don't mind since I can always expect great service whenever I come in to make deposits or change my account. I am really happy to have found this credit union. It's so close to home too! If you're in the area, you have to check this place out. It should be your number 1 choice for a credit union.
The Blue Cash Everyday Card from American Express is an excellent balance transfer credit card. With only a 3% fee and 0% for 15 months on the balance, its pretty high up there with the other balance transfer cards. Add to that the rewards program and the initial sign up bonus, you've got yourself a pretty snazzy card! The 0% APR for 15 months is pretty helpful as well.
The Banana Republic Credit Card is nearly identical to the Gap Store Card, except there's more potential bonus points, and the stores are different. The cool thing about this card is that shopping at any of Gap's stores will give you credit at Banana Republic. However, this card is really only for those that frequent the store a lot. The APR is a bit high, and the initial bonus is not that great. Gap and its other stores loves to offer huge discounts all the time, so 15% off is not enticing enough to justify signing up for this card. The rewards could stack up quite easily, though, if you shop at all of Gap's stores. Recommended only for frequent shoppers.
Just like any other store card, the Gap Credit Card is really only for people that frequent the store a lot. The rewards program seems pretty sweet: 5 points on the dollar at any of Gap's stores, where every point equals 1 cent for credit. The initial bonus is not that great: 15% is nothing compared to the deep discounts that Gap offers almost daily. They offer 25% off just for signing up to be on their mailing list. This card also allows shoppers to sometimes get a couple extra percentage off during certain sales, which is always nice. There isn't anything that special about this card, but it's good if you go to Gap a lot anyways.
The American Express Prepaid Card is very nice prepaid card. With absolutely no recurring fees, this beats a lot of other prepaid cards offered out there. One hug drawback, however, is that they only offer one measly ATM withdrawal per month. Then, you need to pay $2 for every withdrawal afterwards. So if you get this card, it would be smart to keep half of your money in cash, and half in the card so you don't have to withdraw too many times. A good perk about this card is that you may receive more offers from American Express if you have a nice record. This card is also good for teaching young teens to learn how to manage money.
The Best Buy Credit Card is pretty decent for a store credit card. The low conversion threshold for rewards points makes it easy to actually cash out rewards, instead of saving up massive amounts of points to finally receive one gift certificate, like at some other stores. The rewards for spending at Best Buy stores are also pretty great, since you can get 5% back in rewards, which is pretty rare for most store credit cards. The intro APR is pretty nice, and can help in a pinch during the holiday season. The rate for balance transfer is a touch higher than other cards, but otherwise this card is nice for frequent shoppers at Best Buy.
The Express Store Card is nice for those who frequently shop at Express. The rewards program is kind of deceiving since you get 15 points per dollar spent there, but only a $10 credit for every 2,500 points. That's a little more than half a cent on the dollar, which is a bit better than most other store cards give. The monthly bonus points events make it seem easier to earn rewards points quickly, so that's a plus. This card seems to be a pretty decent store card. The free birthday gift is also nice to get. Express really set themselves apart from other boring store cards. However, you should only get this if you frequent the store.
The Belk Store Card is not that great of a store card. The only redeeming quality it has is the 15% off signing bonus for your first purchase. Other than that, you'll be getting a measly 25 cents per dollar spent there. Even on the special double points events, you're still going to have to spend $200 for a $10 gift certificate! If you don't shop frequently but want the discount, you might just sign up for the 15% off, but even then the credit hit might not be worth it. The 35 exclusive savings days seems promising, but I would not expect much from that. Overall, only recommended if you frequently shop there.
The Shell Credit Card is not really anything too special. The interest rate is kind of steep on this, and there's no variation on it, which kind of sucks. One good thing is that you can check your card's statements and other information online, making it a lot easier to track spending or just do a quick check on your last purchases. The rewards are kind of hard to hit if you have a car with good mileage, or just don't use that much gas. Also, the discount per gallon of gas will likely be mitigated by the increase in price for using credit, making the rewards only alright.
The Chase Sapphire is a pretty sweet rewards card. Although there is not intro 0% APR like a lot of other popular credit cards, the double point accumulation at restaurants makes it pretty nice for a dining out-only card. The initial bonus is nice too, and makes this a nice traveling card, since the points will likely not be a 1:1 ratio for actual cash. Also, no annual fee makes this pretty nice as a backup card if you're maxed out on rewards for others. The APR is kind of on the low side compared to most credit cards, so that's always a plus. Also, with Chase, you'll have incredible customer support always available, which is awesome.
The Blue Cash Preferred American Express Credit Card is undoubtedly the best cash back credit card you can get. The incredible 6% cash back for grocery shopping is unmatched by any other credit card out there. The initial sign-up bonus is also pretty nice; $150 for spending $1,000. If you use this for groceries, you should easily reach that within the given time frame. This also has a whopping 3% cashback on gas, which is pretty good considering the 6% groceries already. This is a very good main spending card. With 0% APR for 15 months, there's nothing bad at ALL with this card. This is a must have if you can get it.
The Discover IT card is absolutely amazing! As a commuting college student, the 5% cashback rotating categories are fantastic for saving some money. This past quarter has been 5% cashback on gas, which has been a huge help. The $20 cashback bonus is not so bad either, and I love that it's relatively easy to get this credit card. I had almost no credit when I applied for this card, and was approved. The interest is kind of high, but paying it off monthly should ensure that you're making money off the rotating spending categories instead of costing yourself money lost to interest. This is a must-have card for college students.
The Home Depot Store Card is pretty snazzy. Even though the interest rate is pretty high, their offer for 0% interest if paid in full by six months makes this a very attractive card for those that need to shop here a lot. It also helps that they have an online service for their store card, making it easier to manage finances, especially when these credit cards are only available for use at the store it's offered at. Also, the range of APR's makes this better than some other cards, like the Lowe's card which only offers 24.99% no matter what. This may be useful if you frequent Home Depot.
If you love to work on your home a lot, then the Lowe's Store Credit Card is for you! Although it has no rewards program, the free 5% off is great! It's just like a Target Red Card. If you pay off your balance monthly, the 5% is just a sweet bonus! Honestly, this card isn't really useful for much else. It still deserves a four star rating though, because of the huge free discount offered. The APR may be a bit steep, however. Stack this with other discounts and you're getting a great deal! Recommended only if you actually shop at Lowe's a lot, though.
The BankAmericard Cash Rewards Card from Bank of America is amazing! The initial $100 bonus for spending $500 in the first three months is super easy to reach, and the rewards tiers are pretty nice too. This was my first credit card ever, after receiving multiple rejections from other banks for not having a credit history. I spend a lot of my money on gas for traveling, so the 3% cashback on gas is great! The only drawback is that there is a quarterly limit of cashback on $1500 spent on gas and groceries. However, that's still $45 every 3 months on gas that I otherwise would not have had if it weren't for this card, so it's still pretty great. The 0% intro APR is also nice for situations where money may be tight because of transitions in life or something like that. I would definitely recommend this card whole-heartedly.
This Kaiku Visa Prepaid Card is pretty sweet. It's only a prepaid card, but the services they offer and the vast ATM network should make it pretty easy and nice to use. The only thing that's not so great is the $1.95 monthly fee. That's almost nothing, but some cards such as the Serve card is completely free! However, all other aspects of this Kaiku card are free, which makes it a great card for young children or teens that want to learn more about money management. The high $10000 dollar limit is also nice for making large transactions, especially if you're doing work for an organization or something like that and don't want to be holding a ton of money on you.
This Crate And Barrel Store Credit Card is, well, pretty bad. The APR, if you're paying interest, is pretty high even for credit card standards. Add to the fact that the rewards program is less than 1% for every dollar you spend, you'd be better off getting any cashback card and using it to buy from Crate And Barrel. There's also no intro APR at all! There doesn't seem to be any point in signing up for this credit card when everything else is much better than this card in every way possible. The only reason I could see someone sign up for this is for their special events, but how often would one need to shop here? Definitely do not recommend.
I really, really like the initial bonus offer on the Expedia Credit Card! $50 for just any purchase is pretty great. Other than that, though, the rewards program for this card just seems kind of lackluster compared to the other great cards out there. Also, theirs is a points-based program, usually meaning that their points probably aren't a 1:1 ratio for points to cents. I'd much rather prefer straight cashback. Plus, there are a lot of great travel credit cards out there from other companies that offer much more in the way of rewards. If your credit is great, then it may be worthwhile to get a free $50 from their sign-up offer at the very least.
The Blue from American Express Credit Card is sweet! The initial sign-up bonus is pretty awesome for those that want to churn credit cards but don't spend too much. It's also great for traveling, since you get rewards points twice as fast if you use the card and book through American Express's travel site. I like the year-long 0% interest rate on this card. It makes it easy to get the 10000 point bonus, then slowly pay the 1000 balance back without accruing interest. The only thing about this card is that the bonus initial offer is not as good as the Citi Dividend, BoA BankAmericard, or Chase Freedom which give 100 dollars back for only $500 spent. Besides that, this card looks pretty great!
The Capital One Student Rewards Journey Credit Card is pretty great for students! For those that are starting college, it's a great way to being building credit for the future. The extra 25% bonus cashback for paying bills on time is awesome. I see it as an excellent way to teach students to pay their bills promptly and never be late. This should teach them a lesson on managing their finances. The terms on this leave a lot to be desired, since there is no intro 0% APR like a lot of other popular student cards such as the Discover IT and the Citi Forward for Students. I would recommend this card if you can't get the others I mentioned.
This PenFed Platinum Rewards credit card is pretty great. The 5 points for gas and 3 points for groceries makes it very attractive. However, these points sometimes don't convert 1:1 for cash. Sometimes you need more than one point per dollar, and that's where this card loses to other cards such as the AmEx Blue Cash cards, or the Discover IT card that has currently has 5% cashback on gas. Otherwise, the rate is not bad at all for this card. It's pretty nice for a credit card, that's for sure. I would not personally recommend it, since there are better cards out there.
The Chase Freedom Visa card is the best cash back card because it always has 1% cash back, and every quarter rotates between other vendors for extra bonus cash back. The bonus is five times the normal 1% cash back, and Chase partners with some very popular vendors so that they can offer you the best cash back at the best stores. Other cards are similar, but their 5% bonus cash back rewards are with unpopular, or rarely used vendors. Chase Freedom has done it right.
This Slate Chase Credit card is very nice! The intro 0% APR lasts a few months longer than the typical twelve months like on other cards. This is great since there's no balance transfer fee, meaning if you get approved for this card, you can get an extra 0% APR on your balances for over a year! There's also no annual fee, which is great for these kinds of cards that are usually just used for taking the balance from another card. I think it's a lot better than the Capital One Classic Platinum Credit Card which only has 0% APR for less than a year. The only drawback is that you need excellent credit for this card, which may be a pain for many. However, if you do need to transfer and have excellent credit, this should be your target card!
The Chase Liquid Card is just like any other prepaid card, like AmEx's Serve. You load in money, and then spend it. It's just like having a debit card. However, I like that it's with Visa, which is accepted almost worldwide. It's a lot better than American Express which is sometimes not taken by smaller mom and pop shops. This card is great for teenagers who want to buy stuff online on their own without going through mom or dad first. The fact that you can only spend as much as you have makes it even better to teach younger kids money management. The customer service is also great with Chase! Definitely recommended for young adults and teenagers.
The Union Plus Credit Card is awesome! The intro 0% APR is awesome for those that are going through some tough times and need to borrow a little bit of money while in between jobs. The flat 1.5% cash back on all purchases made is very interesting. I like that it is just a flat rate, so there's no confusion when one needs to calculate which card will be better for certain shopping trips. Also, the extra .5% that this card has over other cards is great when you're stuck with a revolving cash back card that only currently has 1% for the category that you need the most. This card can serve as a nice back up for when you want to squeeze as much cash back from your daily purchases as possible.
The ExxonMobil Credit Card doesn't seem like anything worth writing home about. Sure, the 15 cent rebate per gallon seems pretty nice, but gas stations typically charge extra for credit card charges anyways. This just seems to cancel out the extra charge of using a credit card. Plus, there's no intro 0% APR that tons of other credit card providers are offering nowadays. There needs to be some other incentive to this card, otherwise it would be better to just get other credit cards that offer 3% on gas, like the BankAmericard Cash Rewards card. I would not recommend this card unless it's the only gas cashback card that you can get, or you really like ExxonMobil.
As someone who knows quite a few people with ruined credit, I can say that this Capital One Secured Mastercard is great for getting back on track to rebuilding credit. The $3000 secured limit is nice as it allows one to stay under 30% utilization and still be able to spend quite a bit. Regular reporting to the major credit bureaus is awesome for getting your credit score up as quickly as possible, and Capital One is a great bank. Also, since this is a Mastercard, you can expect great service from them whenever you need it! Great card for those who wish to get a fresh restart on their credit.
Dillard's Credit Card is just too good to be true. With their 2 points for every dollar spent, you're basically getting 2% cash back if you do a lot of shopping there! And then they still offer 2 points on the dollar at grocery stores and gas stations? That's just unbelievable! Major Dillard's shoppers will love this card as it shouldn't be too hard to rack up the points and get tons of gift certificates for essentially free stuff! The only problem I have with this card is that there's no 0% intro APR. Other than that, this is a must-have for any person that frequents Dillard's.
I firmly believe that the Chase Ink Plus is one of the greatest business credit cards that you can get your hands on. Their 5% cash back on office supplies, cell phone payments, landline, internet, and TV service make it really worth the $95 annual fee. And there's even a nice bonus for spending $5000 in the first three months, which shouldn't be hard to reach if you're running a business anyways. This card is so useful that I use it the most out of all the cards I have! I love Chase's customer service and their secure online banking. They make it really easy to keep track of all the stuff I do with this card, and make me feel really safe. This is a great card to get if you have the credit for it. It's essentially free money if you always pay off your debts!
I just recently received this Citi Dividend Card for College Students about three weeks ago. So far, it is pretty nice. The only thing is that I wish I would have signed up for the non-student one. That way, I could have gotten the $100 dollar bonus for spending $500 in the first three months. However, the rewards for this card are phenomenal. While I do not use any of Q3's bonus offers, I am certain that the fourth quarter of this year will have some amazing bonus cashback opportunities. I also enjoy the fact that Citibank has the greatest online security of any bank, making me feel safe whenever I check my accounts online. All in all, this is a nice card, especially given the opening APR and cashback, and easy approval. Definitely recommend for college students looking to build credit.
This Bankamericard for Students Credit Card is fantastic! I've had it for just about a month now and it is absolutely fantastic! The only qualms I have about it are the boring rewards tiers. However, the 3% on gas is amazing. I always volunteer to pay upfront for the gas now, and my friends give me cash back. It's not much, but the cashback adds up. I also got a 100 dollar bonus from them for spending 500! It's such an easy offer to fulfill, this card is definitely worth checking out if you're just starting out. I am fairly new to the creditcard game and this is my first one ever.
University Federal Credit Union is great! They visited my school's campus the week before school started, and I was able to learn all tons of stuff about them. The next day, I received an email from them for a $5 bonus for signing up for a checking account. It's not much, but compared to other places, it's a lot better! Also, they have really good rates on their loans and financing. As a member of this credit union, I feel like they are actually trying to help me out instead of just seeing me as a cash cow like the national banks do. I will definitely be using these guys for a long time. Their customer service is phenomenal, and they are very transparent. No hidden fees or anything! Highly recommended.
This Bed Bath and Beyond credit card does not seem all too great. The rewards are only usable at the store. In addition, the sign up bonus is not really to die for at all. It only gives you credit equal to ten dollars? Usually credit card sign up bonuses are around the hundreds of dollars at LEAST. Overall, I would not recommend signing up for this card unless you shop heavily at Bed Bath and Beyond. The small credit hit is still not worth it. It would be better to sign up for something like a Chase Freedom or a Citi Dividends card which has better rewards and better sign up bonuses.