+ 100% FREE
+ Unlimited Credit Reports
+ Unlimited Credit Scores
+ Credit Monitoring Protection
+ Credit Improvement Tips
+ Automatically Finds Savings
No credit card needed
I got this card for the balance transfer. 0% for 18 month (which is great) and no balance transfer fee (which is the most important thing of all.) As I've matured as a credit card consumer, I've found these balance transfers to be more valuable than cash back. I took the $8000 I got to hold interest free and put it somewhere where it will earn about an 8% return. Every time I've called, I've gotten a human right away, which is +1 for discover. Besides the no hold time, customer service is pretty average (i.e., you get put on hold while the CSR asks their supervisor for an answer to your question) The cash back rewards are nice, but since I maxed out with the Balance transfer, I won't get to enjoy them for a while. In terms of cash back offers, discover it is competitive but not the best. Citi double cash and the sallie mae master card are leading in this category.
Macy's Store Card gets 1 star as a credit card, but 5 stars as a discounting device for Macys shoppers. Basically, don't use it anywhere but macys. I used to work at macs, and I can tell you that this card will give you pretty big discounts. Most Store cards give you 2-5% cash back on in store purchases, but Macys will give you 10-30% off sticker price if you use their card. Outside of Macys, I wouldn't recommend using it. Also, make sure you pay off your balance in full! If you aren;t going to be able to do so, this card isn't for you, since the interest rate is so high.
The Capital One Quicksilver card used to be the best cash back card on the market. It gives you 1.5% on all purchases regardless of type. Capital One offers very friendly customer service, and managing your card online is super easy. In keeping with their promise of "hassle free rewards", you can reedeem just about any amount of cash back any time for a check or statement credit. Unfourtunately, Im stuck with this card. I wish it offered 2% like the Citi Double Cash does. But opening a new account and getting a new credit inquiry just wouldn't be worth the extra .5% for me. If you're shopping around for a credit card, I would recommend you look at the Citi Double Cash instead. Even the Capital One Venture card might be a better deal for you depending on your situation. Capital one needs to raise their reward rate to keep this card competitive.
One of the best cash back rewards programs out there. Three percent on groceries can't be beat. As a single guy, this is the card for me, but families with kids should shoot for the preferred version. It carries an annual fee, but has a higher rewards rate.
The rewards percentages are nice, but its not simple cash back. I bought a mac laptop with this card, and it took some time indeed to get my rewards. Finally, I had to print a "rewards certificate" and bring it in for a limited date. Stick with simple cash back cards. They're easier to manage, and some of them will actually get you 5% off at best buy.
Use Penfed for their gas credit card. It gives you 5% cash back for all gas purchases, no exceptions. Without a doubt the best gas card period. You have to jump through a few hoops to get this card- membership requires DOD employment or being in an affiliate organization. Also, they are crazy about credit approval. Expect to have to fax mortgage statements and bank statements and paystubs to them, several times. Still, hoops are worth it for the nation's best credit card.
This is a borrowers bank. No interest on your savings, but the loans are great. Although I keep my "real" money with another bank, I've always kept this account open in case I need credit. I got a few personal loans with them back when I was attending school, and their rewards free credit card (which i never use) has an interest rate under 10%. Strange that HRCU doesn't have a branch in Portsmouth, though. Everyone in the seacoast works in portsmouth, and lives somewhere else.
One of the best cash back cards out there. I use it for "big ticket" expenses to maximize rewards i.e. my car, my insurance payments. You can also get decent rewards by shopping through capital one. Interest rate is high, so make sure to pay the balance in full every month. A major improvement over the old card, with which you got 1% and had to wait a year for your.5% bonus. Attractive design, good issuer, 24/7 customer service. I strongly recommend this card.
I came to citizens via a promotion, they gave me $100 to open a new checking account. The line was long at the bank, and the signup process took almost 30 minutes. No interest, lots of fees and hoops, but I guess that's what you expect from most banks. $100 for walking into a store though, that's something you don't get every day. One other nice thing I'll say about citizens is that they're open on sundays, one perk my real bank (that actually pays me interest) does not have.