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I enjoy Bank of America for the main reason that they have a large network of ATMs here in the States. Having free checking is a rarity these days, so I suppose the $12 fee is now reasonable. (I have had the Bank of America MyAccess Checking account for a few years now.) I also enjoy their website. The downside is that even if you are more than $2 overdraft, you will be hit by a huge overdraft fee. So my advice is that if you get this account, don’t be in overdraft.
I’ve been banking with Wells Fargo since 2008, and so far I haven’t had any major issues. Their lines always seem short, and their branches always seem clean and inviting. Out here in the West, they’re an institution. The downside is that when they transfer funds between this account and my savings account to cover a debit transaction, they charge a huge fee. They certainly try to sell you their various jumble of services, and they are always pushing you to “go paperless,” which can be annoying, even when you are online banking. They have fewer ATMs where I need them than Bank of America.
Here is my take on the Radio Shack store card: The 10% discount off your first order is appreciated. However a 28.99% APR is excessively high. (In contrast, my Target Redcard has a lower but still high 2%.) A 15% rebate on store-stocked batteries is not as appealing as the Shack might want you to believe.
I’ve had and enjoyed my Amtrak card from Chase for long. They gave me about 10,000 free points for signing up, and I have a very low APR (about 13%). My credit score has been Good and Excellent, which might be why I have such favorable terms with them.
Unfortunately, the Marathon Credit Card does not offer an intro APR rate. My Wells Fargo credit card gave me a 0% APR for six months. I do not own a car, so the gas as an incentive did not work for me—although, I’m sure for the frequent travelers, it would be appreciated.
The KAIKU prepaid card allows all the convenience of a credit card with none of the hassles of extensive credit checks. This card has fewer fees than other prepaid cards. My Target Redcard has an APR of over 22%, so I certainly appreciate not having to give a large portion of my income to a credit card company in fees.
The Expedia credit card is a great card for frequent travelers because you earn a point for every dollar spent with a max of two points, which can be redeemed for shopping, dining, travel or even charitable giving. None of my other cards—for instance, my US Bank Ralphs card allows for such charitable donations. You also receive 10,000 points upfront. Another selling point is a 15 month zero percent APR for balance transfers.
The Menard card has its benefits if you’re a fan of Menards. You receive a $10 reward for the first $100 that you spend at Menards, and it is given to even people with just a Fair credit rating. The downside is the possibility of getting hit by an almost 28% APR. (My highest card, my Target Redcard, is about 23%.) There’s apparently no online response, which is not a common policy for the 21st century.
I really enjoy the Target Red Card Visa card, especially since it gives me 5% back on all Target purchases. Target is one of my most regular retailers, and they have an excellent array of merchandise, from clothing to electronics to groceries. The downside to this card is that at over 22% APR, the interest is too high. I once made an error of using this card for a cash advance, and I wasn’t able to repay the debt for many months. Also, the 5% offer is only on in-store purchases. There’s really no reason to use this card outside of Target.
This Old Navy credit card has a generous reward program, especially considering that it allows you to earn points on every purchase, and not just at Old Navy stores. There’s also a bonus for you to go paperless. On the plus side, there’s no annual fee. Unfortunately, the APR is higher than on my Capital One card—which is 18%, compared to 23.99%. Meanwhile, the card is reserved for people with good or excellent credit. Although there’s a 10% bonus, there’s no introductory APR. The store sends you advance notices of upcoming sales, making this a great card for fans of Old Navy.
This card has a generous reward program, and it’s great because you always need more cloths. The initial 15% off is wonderful, and there are 10% off deals available at the Banana Republic and its affiliates. I certainly enjoy a pair of khakis as much as the next guy. Unfortunately, the APR is higher than on my Chase card, for instance. It’s too high considering that the card is reserved for people with good and excellent credit. There’s only a 23 day grace period, which seems especially short. Their cash advance fee is 4%, which is much higher than the more normal 3%.
This is an excellent card for do-it-yourselfers and professional contractors alike. It is available for even people with a poor credit rating, and the credit line is very flexible. Unfortunately, the stated APR is over 24%, which is certainly higher than most cards, so even without an annual fee, it is not a necessity for your wallet (especially if you don’t consider yourself very handy). There’s also no offer for a zero percent APR for the first few months of purchases. I’d say this is a good choice for a card with the caveat that you should pay your bill on time every month.
My chief concern in applying for this card is the “excellent” credit rating requirement. A lot of Americans surely don’t have excellent credit, making this card a poor choice for most people. Although I enjoy a zero percent APR offer, I would be concerned what my real APR will be when this card’s actual APR kicks in. I also enjoy having a card that can move money from my checking account to my credit line to avoid card declines—especially when that service is free—however, hopefully that will not be an issue. Travel points are not a worry for me providing the APR is low. This would be a good card, assuming that a person is accepted. If you have poor credit, you should not be applying for this card in particular.