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My U.S. Bank Student Checking Account has been great for me. I opened my account while I was in school and the customer service was amazing. Everyone was very helpful and explained all the details regarding the account. I use it as my primary account and I am able to pay bills electronically, which has been extremely convenient. I set up multiple payments that occur monthly, so even when I forget it's time to pay certain bills, US Bank automatically pays it for me. It also sends me email alerts letting me know when a payment has been sent, just in case I forget why money was taken out. I also lost my debit card once and it took them just a couple of days to get me a new one. I've been a customer for almost 10 years and will continue to be one.
The Capital One Cash Rewards for Newcomers credit card is a good card for people who don't have much experience with credit cards, or with mediocre credit. This credit card is designed to help people build a credit history, while also earning some cash back on their purchases. You are able to get 2% cash back on travel purchases and 1% cash back on everything else. There are no annual fees, however, the 24.9% APR is a little too high for my liking. Overall, this credit card is pretty good if you are simply looking for something that will help build your credit and also give you some cash back on your purchases.
The Wells Fargo Secured Credit Card is a unique card and a pretty decent option for people with bad credit, and need help limiting their spending. You can only spend whatever amount you deposit onto the card, in the range of $300 up to $10,000. If you know in advance how much you will allow yourself to spend, and meet the minimum monthly payment, it would be a useful way to improve your credit and keep your financial situation in check. This credit card also sends you alerts when you get close to your limit and when payments are due, so that's just another way to help you manage your situation if you aren't so responsible. Overall, this credit could be very useful to people who need a little extra help with their finances.
My favorite credit card to use is the Chase Sapphire Preferred Card. It has many perks and benefits, which is why it's my go to credit card. The rewards on this card are great. After spending $3,000 after opening my account I earned 40,000 bonus points immediately. I do a lot of traveling and this card gives me 2x points on travel and restaurants. Not just that, but I get 20% off on airfare, hotels, and car rentals. I spend several weeks out of the year in different countries, and this credit is great to use outside the U.S. because there is no foreign transaction fee. The annual fee is rather high, at $95, but the earned rewards more than cover it. I'd recommend this card to anyone.
The US Bank Secured Visa Credit Card is a good card for people with bad credit or as a first credit card. The only real negative thing about it is that it has a higher minimum deposit than others credit cards in its class at $300, and the annual fee is also a little more than others at $35. But one of the benefits about this card that others don't offer is that it pays you interest on the deposit, and it approved me within minutes of applying, which was extremely helpful. Another great benefit is that it has no monthly fee, and the customer support is fantastic. I definitely recommend this to most people who want a beginner card or to simply improve credit scores.
The Hilton Credit Card is a fantastic card for frequent travelers. I have family members that live in various parts of the US, and several that live outside of it. This card has helped me earn Hilton points pretty quickly and moved me up from Hilton Silver status to Gold status. I have already generated enough points to receive several free nights at Hilton Hotels. I have had this card for over 5 years and I have been extremely happy using it. I have several other credit cards, but this is the one I almost always use. I definitely recommend this credit card for anyone that travels frequently.
The Open Sky Secured Visa Credit Card is a pretty decent credit card for people looking for their first card to start building their credit, or for people trying to improve their credit. There are no rewards to be made with it so the only real benefit would be to improve your credit score. The $29 annual fee is pretty standard for these type of cards and you will have to deposit $200 before you use it for the first time. Overall, this isn't a great credit card unless you have bad credit. If you are struggling financially and have had trouble in the past with other cards, this seems like a good card to improve your situation.
The BankAmericard Travel Rewards Credit Card looks like a great credit card and I would like to apply for it. I use my credit cards to pay for most of my items, and I really like that I can get 1.5 points for every dollar that I spend, which is more than my current credit cards offer me. I also travel pretty frequently, as I have family members that live out of the country, so earning more points by using it on airline purchases is very beneficial to me. I also like that there are no foreign fees with this card.