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I was already a loyal Amazon customer, and this card is great for the frequent shopper. I already have Amazon prime for students, and it gets me everything I order so quick and at such a great cost the cost of having the card was well worth it for someone like me: a frequent buyer, student on a budget.
The American Eagle Outfitters Credit Card is great for the frequent to American Eagle. The more you use it the more you get, and with no limit you can really stack up the rewards. After a while this card can start getting you really great discounts on their merchandise. Being able to check your points and manage your account through the mobile app is a great feature too.
I went through the Education Credit Union to get my student loans for college. They were all really great in helping me get the most out of my money through them, and worked with me to find a loan plan that was right for me. The application process was tedious and difficult, but I understand all the proof they needed to get me started. In the end it was worth the process and I'm really happy with choosing Education Credit Union.
The Capital One Clear Advantage Money Market is a great savings account to have. With pretty competitive interest rates, I've really been satisfied with my account. The only downside for me, is that as a student, I don't meet the minimum balance requirements all the time and I am charged with the monthly fee here, but overall I think its worth it to have the account. And in time I should be able to meet that minimum for the account. They've really been helpful here and have outstanding customer service.
The Capital One Venture Rewards Credit Card is a great card for those who spend and those who travel. Without limits and without expiration on your miles, I'm working to save up for something big. It's a really big cash in reward for those who wait. I just use this card for everything and watch the miles keep adding toward that big trip. I'm still in my first year as a card holder, but I am not looking forward to that $59 annual fee for the second year. I think overall, it will still reap more reward than cost in the end.
The Capital One Secured Mastercard is overall a great card. With no processing or application fees, this card is really easy to get started and get using. As it says, it helps build up that credit, and it is a good card to use if you need that credit built up. It really is just all benefits with very little down sides. No hidden fees, or annual costs you have to pay, and even the late fee is lower than most other cards. The monitoring credit tool is also a great feature of the Capital One Secured Mastercard, and really helps those of us with low credit get back on track. This card really works with you not against you, and I would highly recommend it.
The Kohl's Store Card has its benefits, but I can't say that it is entirely worth it when all is said and done. The 15% discount storewide is a real benefit to this card, if you are a Kohl's frequent, and that large amount of savings can really add up. It is higher than a lot of other store credit cards, so it seems like a good deal to take advantage of. There's no real rewards program, however, for frequent use, and that's the one thing I see lacking. While it makes for some good store deals, there is no real huge benefit, in my eyes.
The Visa Black Credit Card is definitely more geared toward the big spenders. As a student myself, I don't really see much rewards coming out of a card like this, because I can't possibly spend that much without going completely broke. The $495 Annual Fee alone is one of the most off putting to me, personally. When I can have a rewards credit card for free with my bank, I don't see the need to pay a yearly fee to someone else. It might look intriguing at first, but I wouldn't be fooled, by the fancy looking perks, that in reality you may never see, and just end up paying the high fees and interest rates.
I love the rewards programs on the Limited Store Card. It has some really great points and incentives for using your card. And with no earning limit, I can spend as much as I want and just keep raking my rewards in. It also has some nice perks to go along with it for the store. Overall it's a great deal for what it is, and the grace period is always a helpful time to get your act together if you're running late on payments. No hidden fees or unwanted charges on this card, it really is just all benefits and earnings. Highly recommended.
I was with citibank for about 5 years, and had few problems with my checking account I had through them. Their customer service is what really set them apart, always so accommodating and helpful and friendly. The only problem I ever had with them was when I wanted to open new accounts. Sometimes I was unaware of little monthly fees or charges made to my checking account or card, and the application process was always more than difficult. I just thought this was how banks were, until I switched to my current bank, which has much more clear disclosures, which are easy to read, and easier ways to apply for accounts. Overall good 5 years with them, however.
This Marriott Rewards card has a lot of perks. It has a lot of incentives to keep using it, and the more you do, the more you can get out of it. It really makes you feel like a valued card holder when you get little bonus points and rewards. Unlike other cards I have, the point system seems very clear and easy to understand, so you always know how much points you're earning and how much rewards you'll be getting. There are no unreasonable fees to this card, which is a definite perk. Overall a four out of five in my book.
This card just seems to have a lot of fees. I have both a debit and a credit card with Wells Fargo, and it seems to me that my debit card has the same capabilities as this UPside Prepaid Debit card has. The only difference is that I don't have all those fees hidden around every transaction. Between the monthly fee and the ATM transaction fee, it already seems a little pointless. And then to have a cancelation fee of $12 and a customer support fee of $2? They are trying to milk you for everything. Any company that has to deter a customer from canceling by putting a fee knows they are going to have a lot of customers who want to cancel. Not worth it for the few benefits it does have.
I have had Morgan Stanley Insurance now for two years covering my car. As a young driver, it is always hard to find good rates and people who take you seriously as a good driver. I have never been in an accident, and with my good grades as a University student, Morgan Stanley gave me one of the better rates, and great coverage. I will admit the application process was a little long and tedious, but because of that I was able to get the rate that I'm so satisfied with. Overall happy with them so far.
Although I was a little hesitant at first to join Wells Fargo because it is such a large company, it could not have a more small-bank feel. It was easy to get started and they are friendly and caring and I now have all my accounts with them. I have had some glitches with my accounts, but any time a wrong charge is made they are quick to right the wrong and are always very accommodating and apologetic. Overall a very happy customer.