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I think if you are trying to establish credit the Capital One Secured MasterCard is a fair way to go. The terms aren't great, but sometimes that is the way to get started as long as you are disciplined and not paying high APR on balances.
The Shell Gas Card is a great card for people who travel a lot. The discounts on hotels and the cash back is good.
For a rewards card, I think the Blue Cash Everyday Card is an excellent one. I would use this for everyday purchases of gas and groceries. If I was going to make a large purchase it would add up the rewards quickly.
I like how the Citi Simplicity Card has no late fees or penalty rates or annual fees. The way I would like to use this card is to transfer my higher interest rate balances to help pay off my credit debt.
The Kohl's Store Card seems like a good rewards card to have if you shop in this store and would like it for convenience sake. I would definitely use it around the holidays, but with a high APR I would be sure to pay off my balances quickly.
The Limited Store Card is a great no-risk store card to have. It has nice little perks for people who shop in this store. The one I like best is that there are discounts for the entire month of your birthday!
The high fees of the Visa black Credit card make it a card I would not have. I don't buy luxury items and would not be able to afford the high annual fee. Maybe a great deal for the wealthier people of the world.
The Disney Rewards Visa card is a great card for parents with small kids. If you are planning a trip to Disney or go to the Disney Store it's an excellent rewards card. On the down side, beware of the interest rates and make sure you pay off your balances within the 6 month grace period.
This Sears Credit MasterCard is an easy card to apply for and get accepted for. We got ours when we were buying a treadmill and did not have the cash on hand. We thought it was a good decision. Unfortunately the interest rates on it are very high and we never were able to pay more than minimum payment for several months. I'm sad to say that we had the debt long after we still had the treadmill. This is a great credit card if you just use it as convenience and are able to pay it off quickly without accruing interest. Please take time and really read the fine print of the agreement before you get the card.
My family has been represented by State Farm for over 20 years. We have multiple automobiles and our home insured through this company. Ovearall, we have been very pleased with their service. As far as claims are concerned, any time we have had a claim, it has been resolved quickly and professionally. There are several discounts we have qualified for through the years and it seems State Farm has many incentive programs, like for safe drivers, that help encourage their customers to be safe and reward them with a discount. I can't see us changing insurance companies any time soon.
I first did business with Horizons when we needed a car loan. They processed the loan quickly and serviced it well from origination to payoff. Since that time, my son and daughter have started savings accounts there and I recently opened regular checking and savings there. Starting an account is simple and there are many online features that I find very helpful. I do like using Horizons.
I have had a savings account at this credit union for years. The most serious problem I have had with my savings is one time the bank took my son's payment out of our account instead of ours. I was joint on his account but his name was clearly the only one on the payment. It's ok having a savings here but it doesn't pay much interest at all
I have had a Lowe's Store Card for several years. I love the flexibility with the card. Many times Lowe's has great promos where you can have x number of months of no interest with a purchase. We have done this in the past with a lawn tractor and with a few different appliances. This allowed us to make the purchase when we needed the item and then pay it off in the next several months. It also allows us to make small purchases as needed and take care of it when the bill comes due.