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My parents, grandparents and great grandparents are/were all policy holders of 21st Century--for both car and home needs. I got signed up years ago and have been very happy with their auto insurance policies. In the instances where an accident has occurred, they have shown outstanding customer service and support during such a tough time. When an earthquake hit over a decade ago, ruining some of my family's home, they again were there for our needs--and sensitive while doing so. Accessing your account is simple to do online, over the phone and in person, making it very convenient! I highly recommend 21st Century.
City National Bank is a total lifesaver! Having been loyal to another bank since I have been 15, when it was time to switch, I listened to my friends' suggestions and went with CNB. A perk of going with them is their free checks that they give out up to twice a year--they can even be the cute custom ones that usually cost more money! Customer service is great at the downtown location, everyone is friendly and knowledgeable. Parking can be tricky so be patient! Their debit card has no fee and is linked to your checking account which is a great updated system. I recommend them!
As most other reviewers are saying, the Los Angeles Federal Credit Union has amazing customer service. This for me is number one when it comes to finding and ultimately judging a credit union. When it comes down to business, here is the breakdown: no fees, minimum balance, great interest and loan rates, great mortgage rates. As a heads up, they do hold all checks for 14 days for new members' first 30 days. Their ATMs are fabulous and easy to use, much like Chase's. I have referred several friends and family members here! LAFCU beats nearly any bank or other credit union!
I love my Citi Diamond Preferred Card. Personally, I am a die hard Citi fan and my loyalty to them runs deep so it would only be natural to gravitate toward this card. I was approved several years ago and have used this card for all sorts of purchases--travel, food, gas, shopping. There is no annual fee which was appealing to me, and not to be petty but the card looks pretty neat being black! They also have a 24/7 concierge service which really comes in handy. Their 18 month intro rate of 0% APR is what makes it stand apart from other cards, like the Capital One Venture Rewards Card. Highly recommended!
As most of the other reviews for the Western Union Prepaid MasterCard are saying, there is not much to not love about this card. There are no purchase transaction fees (there is an ATM fee of $1.25 though), and the monthly fee is only $2.95, which may add up or deter some potential customers but it's not bad compared to other cards! The monthly fee, however, is waived if a $100 direct deposit comes through--incentive! Also, there are no overdraft or late fees. For some people, that may be a big incentive! I do love my regular Citibank card more than this, but can see how it could go either way!
The JetBlue Credit Card is an awesome option for those who use JetBlue to travel often. Their initial bonus of 20,000 points for signing up is huge, and there is no annual fee for the first year (it's $40 per year after initial year). Their point system is basically 1 point/$1 spent as a base, and purchasing through JetBlue can increase those points up to 8 times. Compared to the Expedia credit card, this offers much more rewards! You can be eligible to receive 50% off select in-flight purchases such as movies, meals and cocktails with your Card too--the perks never seem to end!
Ahh! Love the Sony Card from Capital One. For the Sony-heads, this is great. 5 points for every dollar spent through them (either their store front or online store) is such a great incentive. Your points can be redeemed for Sony products, movies, music, etc. and the initial bonus is 5,000 points so it's a great head start toward earning rewards! There is no limit on earnings, either--huge plus! What I also love about this card is that there is no annual fee--a big perk! This card totally rules over my Saks card; the interest rate is such a stark difference!
The Citi Secured Mastercard was my second credit card when I was a teenager and I highly recommend it (although I think it may be discontinued now) to people who want to build their credit. Perfect for high schoolers/college students. This card is somewhat similar to the Open Sky Visa Card in that your credit limit is whatever is deposited. After 18 months of using this card, you may be eligible for an unsecured Platinum Select Card! No monthly fee, no fee to open it; only an annual fee of $29 which I personally view as worth it. This card is a lifesaver and I highly recommend it!
The Open Sky Secured Visa Credit Card is my type of card. It's truly for people who may need a second chance. If your credit isn't great, or if you have none at all, this is a great opportunity to build and/or improve it! $200 minimum security deposit or credit line is a great start and can expand to $5000 as needed. Great news for this card, too, is you don't need a checking account to start! This can't even stand up next to my Citibank card! You can avoid paying interest, as no interest is charged on new purchases (if the balance is paid in full by the due date each month). Open Sky is such a suiting name for such a great card!
The BankAmericard Travel Rewards Credit Card totally rocks. 24/7 travel and emergency assistance is a great incentive. Compared to the Expedia Credit Card, this is tops. The first point of their reward details, $100 of your next travel purchase is awesome and a great help! Also, 1.5 points per dollar spent is 50% more than what other companies offer--hello, points! The fact that there are no limits to the card is a huge plus, as other cards do not offer this luxury! If you have a qualifying Bank of America account, you can also acquire 10% bonus points on purchases annually!
Oh, how I love Cabela's. A condition right off the bat for the Cabela's store credit card is a good-excellent credit score. In the tough times we're experiencing, this may be a drawback to those whose credit score may have taken a blow. One point for every $1 spent at stores other than Cabela's, and two points for every $1 spent at Cabela's makes it very easy to rack up points on both ends! Compared to other store credit cards (like my Saks Fifth card), this card gives more incentive to shop and spend. You'll be spending the cash anyway! This card is totally worth it.
The Valero Gas Card has certainly garnered passionate reviews. As the other reviewers say, the fine print is crucial and must be read. Compared to other gas cards (The Chase Freedom Card which gives you 5% back on gas rewards), this may fall short and not offer as many perks and incentives. The flexible payment terms i.e. choosing when you pay the bill is a great service! Also, their 21 day grace period is a huge help for those who may not be able to pay their bill on time (hey, we're in tough times!). The interest rate, though, almost negates the earning potential of 30 cents per gallon. This card is seemingly beneficial only to those who are die-hard Valero customers.
The Citibank Expedia MasterCard is a great tool for those of us who travel often. If you book a lot of trips, hotels and the like through Expedia.com, this will pay off! Because the card is through Citi, you automatically earn Thank You Points too which is awesome because those points can be redeemed for rewards (gift cards, household items, etc.). This card has the potential to save quite a bit of money for the frequent traveler, and I love that you can earn $50 statement credit following the first eligible purchase greater than $50 on Expedia two months of opening the card. Overall, great deals for the traveler always on the go!
The Chase Ink Bold credit card has its definite advantages, but plan on spending quite a bit of money to accrue the perks it advertises! Making sure to pay your balance in full each month is especially important and it pays off. Their first annual fee is waived but watch out--second year increases to $95! Perks include no foreign transaction fee and access to a live service advisor anytime--pretty cool! Five times the points per dollar for the first $50,000 spent (on select items) may take awhile to rack up but is absolutely awesome; how many other cards do you know who have that feature? I recommend this card.
I joined Chase Bank several years ago after their "100 for joining" promotion. I had actually come into the bank for a completely other reason: to exchange my Euros for USD, but got suckered into sitting down with a rep. I'm glad I did! Chase is a great bank and I always have the feeling that my savings account is safe and sound. Their customer service is outstanding, their account options are great, and you can tell that they really care about the well-being of their patrons. I love that I can also take a photo of a check and deposit it through my iPhone!
What is not to like about this prepaid card? The Direct Express Prepaid Card is a great way to receive your Social Security or Supplemental Security Income benefits. Working like direct deposit, you don't have to deal with or worry about losing checks, paperwork, or money--it is all right there! You can use this anywhere that MasterCard is accepted which makes it super convenient. I love this updated way to use your own money without getting charged fees, except for a .9 after the first use (most services are free too). Like other reviewers have said, this is great for a select amount of people, but I have a feeling this card and ones like it will gain popularity.
The Brooks Brothers credit card is definitely worthy of these four stars. Compared to my Saks card, where you do not earn any points per dollar spent, this is a godsend. That is, if you shop enough! The perks in-store are a-okay in my book, and I love the plus of having a 15% initial discount because, hey, Brooks Brothers isn't exactly a discount shop. They do send a $20 reward for anniversary, birthday, and every time 2,000 point are reached which is a great incentive to shop even more. The rate is a bit high, so this is for serious BB shoppers only!
I have been banking with Citibank since I got my first job when I was 15 years old and have not looked back! 12 years later and they are still tops in my book; their customer service is wonderful, their accounts are easy to access, and no minimum account amount! Also, the fact that you can deposit a check through their iPhone app is truly amazing and convenient. I have opened accounts with other banks due to availability while out of state but Citibank completely blows them out of the water, and I am shocked that they have received 3/4 stars here!
I have been doing business with Infinity Auto Insurance for years. They were recommended to me through my agent at AAA because I was unable to afford my original AAA policy. For a relatively low amount per month, I was able to insure my 2008 Honda Fit Sport. The policy was very comparable to my prior insurance policy and I wish I had found out about Infinity beforehand! Their website is a little bit outdated, and their customer service can sometimes be difficult to reach but those are the only two reasons why I am not rating them a five out of five. Looking forward to insuring for many more years through Infinity.
My family and I have been patrons here at Ventura County Credit Union for a very long time. Ventura County cannot boast too many credit unions, and in my opinion, this one cannot be beat. For all of our needs--be it business, information about loans, payments, they never cease to impress us with their level of professionalism and genuine kind heartedness. With locations all across Ventura County (six to be precise), they make it convenient and easy to meet your needs. Instead of choosing a bank for your savings needs, or even checking, I highly recommend the Ventura County Credit Union!
The Nordstrom Store Card is the best card I've ever had. Perks, bonuses, and rewards, oh my! I'm honestly surprised by the mixed reviews here. Nordstrom, to me, really knows how to take care of their customers and this card just bumps it to the next level. Complimentary alterations are a huge perk, especially for women like me who are petite and don't fit right into jeans off the hanger. Their point system is great and earning is very easily done! Their discounts and special shopping days add even more appeal to spend and use the card; it's a total win-win!
The Express Store Card is a godsend for those of us addicted to Express. Let me just start by saying that any company who gives me a birthday gift is off to a great start! Huge plus. The high interest rate, though, is a bit of a trade off for me. I pay my bill(s) off basically as soon as I get them and I recommend the same for other potential Express Card cardholders. 15 points for every dollar spent is great, especially compared to other cards...like my Saks Fifth. The downside is that this can't be used anywhere else! Overall, this is great for the frequent Express shopper.
The Lowe's Store Card, as mentioned in the other reviews below me, is definitely a great card to have as a homeowner. With no annual fee (score!), great rewards, and a 23 day grace period, this is a wonderful find. Up next to other store cards I have used (Saks, Limited, etc.), this is one of the better ones in my wallet. The 5% discount and cash back also really comes in handy and adds up; home repairs suddenly got a bit more fun here! If you're planning on doing renovations to your home in the near future, this is the card for you.
The Saks Fifth Avenue credit card and I have had a bit of an up and down relationship. When I first signed up for this (suckered into it by one of the sweet salesladies), I had no idea what I was getting myself into. Given, I was 20 with no credit in my name, and a whole lot more naive than I am today. The card itself is fine, and actually looks pretty cool being black. You can use it anywhere, and its perks for Saks itself are nice. You get lots of offers in the mail and via internet, and can also manage your account online pretty easily (make payments, etc.). I'd recommend this card but use self control, as the limits are high!
The Limited Store Card is great. Compared to my Saks Fifth Avenue card, this is tops! For every dollar you spend, you earn one point which I love, and the fact that there is no limit on how much I can earn or redeem is amazing. Free pant hemming is a godsend of a card perk for those of us who may need some tailoring to achieve the perfect look. The 15% initial discount is what got me, and I am so very glad I signed up. While other cards lack in their bonuses and such, this will not disappoint!
Like many of the other customers who have reviewed this card here, I agree that the Hyatt credit card is mainly beneficial if you're a die hard Hyatt customer. People who travel a lot and stay at the Hyatt hotels will enjoy the rewards that this card has to offer. The lack of a foreign transaction fee is a plus though, as is the grace period. I would like to know if there are any blackout dates for use of points; this is somewhat similar a frequent flier program, after all. Overall, I would recommend this card for people who will use this as one of their main credit cards.