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The Visa Black credit card seems great for someone with a high income and who travels a lot. I mean, the perks for traveling comfortably are undeniable with late check out, early check in, lounges in airports, etc. But, the fact of the matter is, if you're an average person (like most people are) the $495 annual fee can absolutely be beat with a different card. Chase Freedom is another card that has similar traveling perks for much less cost. I can't say I'd choose this card over Chase Freedom even if I was a high income/frequent traveler consumer, but to each their own.
I have had Safeway Insurance Co. for a few years, because the price was right for what I needed. I had at one time experienced an accident under this policy (my fault). When I called an agent to report it, I was scared. Prior to this, I had never been in an accident before. I was surprised and comforted by the insurance agent, who handled my claim very professionally, and told me exactly the information I needed. They didn't even raise my monthly payment after the ordeal was over (it was a very minor accident). Overall, they left an extremely good impression on me, and I feel that this insurance company is as good as major companies like Geico or Progressive.
I have had my college checking account with Wells Fargo for 3 years now. The only issue I've ever had with this account was when I went into a branch to make a deposit, and then wrote a check for an application fee to a college. The check arrived on time, but it bounced. I double checked my account to find that somehow, the deposit was never made. Luckily, I kept my receipt, which showed that the money was accidentally placed in someone else's account. The bank was able to recover the accidental misplacement of the money, and wrote an official apology letter to the college about my financial integrity being sound. All was well that ended well.
Although the interest on the card is a bit high for me, I can say my experience with this card has been fine. I get around $25/3 months in rewards for groceries and gas, which is great because I just put it back into the credit card. They do offer more points per dollar for certain items, but those items have to be bought through their online rewards store (things like flowers for delivery for mom). I'm giving the card 4 stars because I've had it for 6 years now, have received a credit limit boost each review period, have never made a late payment on it, and still am getting their highest interest rate despite requesting them to lower it. It'd be perfect if they'd just lower that APR.
Although this card has an annual $45 fee, it is a good deal. No fee for the first year, 4 free nights initially, 2 more free nights once your account is approved, and the ability to earn more points for rewards after that. Perfect for the traveler.
The card would not be my first choice, as the interest rate is pretty high - it could put somebody in a bit of financial trouble if they shopped too much. It's not a bad deal though, as it has no annual fee, a 15% off coupon for opening the account, and an annual 20% off coupon for your birthday. I suppose I just don't shop at American Eagle enough to get good use out of this card, but for somebody who does, it could be a good deal.