+ 100% FREE
+ Unlimited Credit Reports
+ Unlimited Credit Scores
+ Credit Monitoring Protection
+ Credit Improvement Tips
+ Automatically Finds Savings
No credit card needed
I think the BankAmericard Power Rewards Visa Signature Credit Card is a bit above the rest! Their reward system is really top notch, especially when you compare it to other cards! They have a great 0% interest intro rate for the first year and they don't charge any annual fees. Their regular interest rate, at 12.99% to 22.99%, is on the low end to average, compared to other credit cards. Their cash advance rates are rather high, but still within range of normal fees. They also offer ShopSafe, which is protection for shopping online. I would really enjoy having this because I do a lot of my shopping online and my privacy and security is always a concern! Overall, I think this is a really great card that you could use for rewards purposes!
I really like the British Airways Visa Signature Card, but the $95 annual fee is a bit of a turn off. I feel a lot of cards are getting rid of these annual fees and I'd like to see the same thing happen with the British Airways Card. Their reward point system is well above par compared to other cards. This card makes it very easy to earn rewards for frequent travelers and I feel its quite diverse! Their interest rate is most certainly on the low end when you compare to other cards. They also offer smart chip technology and no fees for foreign transactions! Anyone who travels abroad regularly should definitely consider this card for their exceptional reward opportunities!
The Radio Shack Store Card is really not one of the best compared to similar store cards. The 10% initial bonus upon signing up is pretty consistent across the board with other store cards. They only offer periodic rewards with this card that are not very consistent. They have a great intro rate for the first 6 to 12 months, but after that it jumps to almost 29%! That is a terrible interest rate and quite high compared to other store cards. The only thing I like about this card, is you don't need the best credit to qualify and there isn't an annual fee. If you're looking for a store credit card that offers electronics, I think you would be better off going with Best Buy or something similar.
The Citi Diamond Preferred Card is really a step above the rest. The first 18 months you get a 0% interest rate and after your first 18 months, your interest rate will only be between 12% and 20%. This interest rate is great compared to other cards! Their cash advance rate, along with their fees, are about average. The card also offers you access to online discounts, which could be as good as some companies reward programs. They even offer concierge services, presale tickets, preferred seating, VIP packages, and entertainment experiences. The perks on this card really outweigh a lot of competitors! For someone who goes to sporting events, concerts and other events, this card is really a must have!
I'm just not real impressed with the UPside Prepaid Debit Card. It's just your basic prepaid credit card. Their fee of $0.99 to $4.95 a month, seems rather high to me, but still average compared to other prepaid cards. They charge you $.99 for automated customer support and $2 to talk to someone in person. I understand they need to make money, but that's a terrible way to go about it. I don't think it encourages anyone to sign up for their card. They also charge you a $12 cancellation fee. I think if you're in the market for a prepaid credit card you can easily find one much better than this. I know you can get free customer service and no cancellation fee at the very least. This card is just terrible!
I quite like the AAA Member Rewards Credit Card. There is no annual fee! Their interest rate, at 12.99% to 22.99%, is definitely a big draw! Much lower then other comparable cards! I believe their reward points are absolutely superb. You can also earn AAA vouchers for traveling, car repairs, merchandise, gift cards or 1% cash back as part of their rewards. Their cash advance rate is rather high, but if you stay clear of that, I really think this is a great card. If you're an everyday traveler, like myself, it's just a must have for saving money. They also have an option for paperless billing and I feel as though not enough credit cards offer this.
The great thing about the Household Bank Credit Card is you only need fair credit to qualify for it when most require good to excellent credit. They do have an annual fee around $60, but I suspect this is because they offer the card to people with a lower credit rating. They don't offer any rewards, nor an intro interest rate on purchases. One good thing about this card is that they offer a lower interest rate, at 14.99% to 19.99%, which is considerably lower than other cards that cater to people with a lower credit rating. They also offer online account services, which seems to still be hit and miss with other credit cards. I would really only recommend this card for someone with a lower credit score, who is looking to repair their credit.
The Hilton Credit Card is great! It doesn't require excellent credit to qualify and there isn't an annual fee. Cards similar to this usually have a rather hefty annual fee. They don't offer an intro rate, but their interest rate is just phenomenal! Starting at 15% to 19% interest rate, its considerably lower then their competitors. I can't say enough good things about this card. Their reward point system is really top notch. They offer a great initial bonus along with several perks and services. To top it off, there isn't a limit on how many points you can earn. This card is a must for frequent travelers. They also offer travel benefits like baggage insurance, rental car insurance and travel accident insurance. They have everything you would need for traveling.
The Direct Express Prepaid Card is great for someone who doesn't have good credit. There isn't an activation fee or a monthly fee, when compared to other cards that at least charge a monthly fee, this one is well above the rest! There isn't a transaction fee and you'll also receive your pin number. I would like to see free withdrawals for this card, since it is prepaid and it's already your money! I have noticed that a lot of prepaid cards will charge you an inactivity fee and this one doesn't. They have free live customer support, which I think should be standard. I've had issues in the past with not being able to get a live person on the line for customer support and I believe it's a must! I generally like this card and would recommend it to someone who wouldn't qualify for a regular credit card.
The Blue Sky from American Express Card is great for someone with excellent credit. There's no annual fee and a 0% intro interest rate for the first 15 months. After your first 15 months, the interest rate isn't bad, a bit below average, at 17% to 22%. Their cash advance rate is rather high, so I would stay away from those transactions with this card. I do really like their rewards points. You get a fair amount of initial bonus points and there is no limit on how many points you can earn. For every 7,500 points that you earn, they can be redeemed for a $100 statement credit toward any airline ticket, any hotel stay, car rental or cruise. I think this card would definitely be useful to frequent travelers, looking to save a little bit of money.
You need good credit to qualify for the Carnival Credit Card, but there is no annual fee. That is really on par with a lot credit cards you come across. They have a great rewards point system, much better then many cards I have seen. Their intro interest rate is nice, at 0%, for the first year. I find a lot of other cards aren't offering these 0% rates as much as they used to. After your intro period is up, the interest rate goes to 14% to 21%, which is well above par, compared to other cards. Unfortunately, they don't seem to offer any specialized services or benefits aside from their reward points. If you go on Carnival Cruises often, I think you would like this card, if not, don't waste your time.
The TJX Credit Card is just your average card. You need fairly good credit to qualify with no annual fee. It has a pretty basic rewards system in place, comparable to a lot of other cards. They don't offer any intro rate and their interest rate, at almost 27%, is sky high! They do offer travel assistance services and travel accident insurance, which a lot of other cards are also starting to offer. I would really only recommend this card to people who shop at T.J.Maxx, Marshalls and HomeGoods on a regular basis. The only benefit I see of having this card is their reward point system for their stores, but at that interest rate, I'm not sure you would be actually benefiting.
The Home Depot Store Card is a good one to apply for, especially if you're doing home repairs, a contractor or just purchasing a new home. You don't need the best credit to qualify, like a lot of store cards require. They don't offer a rewards program, but I think their intro rate makes up for it. They offer a 0% interest rate for the first 6 months and up to 24 months. After that, their regular rate starting around 18% is very low compared to other store cards, unfortunately, your interest rate could be as high as 27%. They also offer online services, including account management, online only statements, account activity, and faster payments, which most store credit cards are lacking. I think if you would use this card regularly, it would be a decent one to have in your wallet.
I've really enjoyed my Express Store Card! You only need a fair credit score, which really gives access to a broad range of customers. You don't get an initial bonus like most other store cards, but their reward points system is great! You get 15 points for every dollar spent on your Express Credit Card, you receive a $10 Reward for every 2,500 points earned and there is no limit on their rewards! Their interest rate, around 25%, is on the high end of average, compared to other store cards. Although, I think if you consider the rewards program, it really pays off to have this card, especially frequent Express shoppers!
I like the JCPenny Store Card. I used to use this card quite often and you don't need the best credit to receive it. There is no annual fee like a lot of other store cards. Their initial bonus of up to 20%, is quite higher than most other store cards. Their reward point system is somewhat above average but there is a limit on how much you can earn and they expire at the end of every month. They have an intro interest rate of 0% for 12 months, but after that, it skyrockets to almost 27%. I think that is extremely high, especially compared to other store cards. That's really my only issue with this card, but unfortunately it was definitely a deciding factor on keeping this card after the intro rate was up.
I really love the Lowe's Store Credit Card! You only need fair credit to qualify for this card and there isn't any annual fee. Most store credit cards require excellent credit to receive the card. There isn't an initial bonus, like most store cards, but their rewards system is pretty good. 5% off purchases for a rewards system may not seem like the best, but when you figure in what types and prices of products people are purchasing there, it really pays off. There also isn't a limit on their rewards, either. Their interest rate at 25% is rather high, but still comparable to a lot of other store credit cards. If you're upgrading your home, doing repairs often or a new home owner, this card is a must have. They also offer online bill pay and account management and I've found a lot of store cards don't currently offer that.
I believe the Banana Republic Credit Card is an above average store card. You don't need the best credit to qualify for it and there isn't any annual feel. You get an initial 15% discount upon signing up for the card, which is usually what is offered with other store cards. Their rewards system is above average, compared to other store cards, but there is a limit on how many you can redeem. You can earn 5 points for every $1 spent at Old Navy, Gap, Banana Republic, Piperlime and Athleta. So you get perks at multiple stores with this card. You can also earn 1 Reward point for every $1 spent everywhere Visa credit cards are accepted. On top of all that, you will also get advance notice of all sales they will be running and 10% off every Tuesday. Their interest rate, at 24%, is on the high end of average for store cards, but still comparable to others. I really believe you just can't beat all the rewards you get with this card, especially if you're a frequent shopper of their stores!
I really like the Best Buy Credit Card! There is no annual fee for this card, which is akin to other store cards on average. If you have decent credit, not just excellent, you could qualify for this card. It seems like most store cards require perfect credit. They have a great rewards system, with no limit on how much you can earn. You end up averaging about 5% back with their rewards. If you're a frequent best buy shopper, the savings will add up very quickly. They also offer a great intro interest rate. After your intro period is over their interest rate, at 18%, is considerably lower than most store cards! Max late is $35, which is pretty average for a store card. If you purchase from Best Buy often, I would say this card is a must have!
I'm not the biggest fan of the Sears Credit Card. They do not offer any rewards and you need excellent credit to get the Sears Credit Card. They do offer an intro rate for the first year if you meet their requirements on purchases. Their interest rate after the first year, at 25%, is on the high end, in comparison to other store cards. Their cash advance fee is at 5%, which is around average, but nothing to brag about. They don't disclose a max late fee, which leads me to be quite nervous about this card. They say they offer monthly sales events and special financing offers every day, but with this company, I would be very hesitant on how great these specials really are. I would only recommend this card to someone who can't afford to pay for an expensive appliance that is a necessity.
I'm not too excited about the Old Navy Credit Card. It can also be used at Gap, Banana Republic, Piperlime and Athleta. You need to have pretty good credit to be able to qualify and I think that excludes a lot of their consistent shoppers. Most of them are high school kids and college students who would only qualify for student credit cards with little or no credit. Their 10% initial bonus is about average compared to other store cards. Their reward system is pretty nice, I think its above average compared to other store cards. I do like that they offer card holders advance notice of sales and offer 10% off every Tuesday. Their interest rate, around 24%, is comparable to other store cards, along with their late fees and grace period prices. Also, without offering some type of online account management, I'm really not a big fan of this card.
I use my Victoria's Secret Store Card quite often! I liked the initial bonus of $15 that I received. You don't need the best credit to be able to qualify for it either. I love their rewards point system and I think it's well above average compared to other store cards. You earn double points on all bra purchases, even bras on clearance! With 10 off for every 250 points, saving money adds up quickly! Once you earn 500 points you get more exclusive offers and if you hit 1000 points you get upgraded to forever status and receive unbelievable deals! You also receive birthday and anniversary gifts. Their interest rate is about average compared to other store cards, but once you consider all the reward point advantages, this card is just top notch! I would recommend this card to anyone who purchases bras often because it is well worth your money!
There is a lot of things I like about the Menards Store Card! You don't need the best credit to acquire this card and there is no annual fee! That is a major contrast when compared to other store cards! You get an initial bonus and there is no limit on how many reward points you can earn. Unfortunately, they don't offer any intro rate. Their interest rate at 25% is about average for store cards, but still, considerably high. I do like that they offer special financing with this card, it could be a big help to people who really need something they can't afford to pay full prices for. They have a great online services system that a lot of other store cards just don't offer. I feel this card is a bit above average compared to other store cards.
The AT&T Credit Card is decent, but average credit card. They do have a great rewards system in place! They put a limit on their rewards, but it does seem quite high, so I would definitely be willing to get this card. Their interest rates are pretty average compared to other cards, but I would like to see an intro rate offered on purchases. Their cash advance interest rate is fairly higher than other credit cards. Their max late fee and their grace period is pretty average, nothing to really brag about. I do like that they offer travel accident insurance and travel emergency assistance. This card is really not one I would consider getting, there is far better ones that can offer you much more for your money.
The Western Union Prepaid MasterCard is a pretty basic prepaid card. Simple, no activation fee with a very cheap monthly fee of only $2.95. Much cheaper than a lot of other prepaid cards that I have seen. You only need a direct deposit of $100 a month to waive the monthly fee, which is considerably lower compared to similar prepaid cards. No inactivity fee. They have live customer support, which a lot of other prepaid cards don't offer. I've also noticed several prepaid cards don't offer protection for your money and this Western Union Card does. My only real complaint about this card is they don't offer a bill pay service. You have to go through Western Union for that. I think if they offered diverse ways to deposit money and built up their online services this card would be well above the rest.
Credit cards like the Citi Secured Credit Card are necessary for building your credit back up. This is one of the better secured credit cards I have seen compared to others that are similar. A minimum deposit of $200 isn't too bad considering you're trying to build up your credit. I've seen much higher amounts on other cards like this. Annual fee is well below average and there isn't a monthly fee! Most secure credit cards charge a high monthly fee. Also, you can earn interest on the money you've deposited on the card. What I really like about this card, is after 18 months you can become eligible to receive an unsecured Citi Card. Their interest rate and penalties is quite low, compared to others, which is another perk of this card. They even cover you with identity theft solutions and car rental damage coverage.
I really do like the Staples Store Card because of their great reward system! It comes in especially handy for small business owners who frequently need office supplies. The Staples rewards is well above average compared to other store credit cards. The biggest turnoff about this card is their 28% interest rate. Their interest rate is definitely on the high end when you compare to other store cards. I think it would be great if they offered some type of intro rate for the first 12 months, sadly, they don't give this option. They do have great online services. Also, compared to other store cards, their customer service is always top notch! Their grace period and late fees are pretty average compared to other store cards. Would only recommend this card to small business owners who could benefit greatly from the rewards.
The first thing that turns me off about the Matrix Credit Card is you can't get an online response immediately. You have to wait to get something in the mail. Now, this credit card has terrible rates and they're significantly high. The reason is this Matrix Card can be used by people who have bad credit. If you have terrible credit, getting a credit card like this can help you rebuild it. That's why they can get away with charging such atrocious rates. Their annual fee is about average but after the first year you have to pay a $12 monthly fee, which shoots the cost of this card sky high. Also, if you're granted a credit limit increase, they charge you $30 for every $100 your limit is raised. This card is really only helpful and beneficial for people looking to rebuild their credit.
The Marriott Rewards Credit Card really doesn't stand out to me as a superior card. Their 15% interest maybe a bit on the low side of average, but not enough to stand out. They do offer an intro rate for the first year, which is great. A lot of cards seem to be getting rid of intro rates. $45 a year annually isn't too bad and its comparable to a lot of other credit cards. They have a very good rewards program, if you travel a lot. They also offer travel protection, which could come in handy for a frequently traveler. Their cash advance rate is rather high and I wouldn't consider this card as a go to card. I would only recommend for people who travel monthly.
I understand the Platinum Card from American Express has a lot of perks but a annual fee of $450 really blows my mind. I would hope if it costs you $450 annually it would provide plenty of overwhelming perks to cancel out the annual fee. I believe that is quite high compared to other credit cards. Also, your balance has to be paid in full each month, a big negative. I don't really see the point of this card unless you travel very frequently and can take full advantage of the reward points. The only plus I really liked about this card is the entertainment benefits. I would enjoy being able to get advanced tickets but it says by invitation only. Another red flag for me. I also prefer Visa and Mastercard over American express, just a personal preference. Just because it is perceived as elite or high end doesn't make it a great card. There is no credit limit which is a positive, but I don't think it outweighs all the negatives.
I currently use the Walmart Prepaid Card and I really enjoy it. There is no activation fee like other prepaid cards but there is a $3 monthly membership fee. You also have to remember if you load over $1,000 in a month the membership fee is waived. I don't think that is too bad at all and consider it to be quite low compared to others. They don't require a credit check or a bank account which is a big plus. You can also set up direct deposit very easily on the card. Their online services is well above par, especially compared to other cards. You can easily check your balance, view transactions and transfer funds online. You can also withdraw cash at several local ATM's for free! If you're not close to an authorized ATM, the fee is only $2, which is on the low end. Their customer service is always fantastic. I think Walmart has done a really great job with this prepaid card and I will continue to use!
I absolutely love my Amazon Credit Card. I use it almost weekly because I do a lot of my personal shopping on amazon. When you sign up you initially get a $30.00 Gift Card through amazon. There is no annual fee! The points program is great especially if you use it on amazon a lot. There also isn't a limit on how many points you can use on a transaction. My interest rate on this card is probably the best out of all the cards I have used. Quite low at 15% - 22% compared to other specialty credit cards. Their cash advance rate is pretty average compared to other cards. This is really my favorite credit card and their customer service is always great! I've never had an issue!
When I had my Shell Credit Card I had several complaints. The interest rate has always been extremely high and it's still close to 24%, which is a bit of a drawback. Although, it's still comparable to other gas credit cards. The cash advance fee is terrible and their reward points are abysmal. I would really only recommend this card to a company that has daily drivers that rack up a lot of miles. Their max late fee is average and so is their grace period but there isn't anything positive about the Shell Credit Card that stands out. The only thing I like about this card is their online services, but by 2013 I think every credit card company should be offering that to stay competitive.
The Belk Store Card is much better than other store cards. There is no annual fee with 23 days grace period. 15% off your first purchase, in my opinion, isn't a great attraction, but the reward points are great. There is no reward point limit like there is with other store cards and you can look up your rewards online. They Also have 35 days a year that are special saving days for card holders. My only real concern is the 24% interest rate, which is considerably high, but still in comparison with other store cards. I would rather stay with my bank credit card because of the significantly lower interest rates.
The L.L. Bean Credit Card is a Visa which is a trusted financial institution and it's accepted everywhere! Unlike Amex cards that are often declined at several merchants due to higher rates. They don't offer an intro rate which would lead me to stay away from this card. Their interest rates seem very high, but in comparison to most other retailer credit cards. Their cash advance fee is high, I would never consider using it for those purposes. I couldn't imagine having a credit card with a 27% max penalty APR. They have a decent reward rate, better than a lot of retailer cards, but also not the best I've seen either. I think their 1% reward for other purchases is a great addition. Free returns and free monogramming is a big plus for this card! I think that would provide a lot of value to a large amount of customers.