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As far as store cards go, this is one of the best I've seen. 15 points / dollar spent is pretty good especially since it applies at a variety of locations. For people who regularly shop at Express, the Express Store Card offers a 15% discount which could be very valuable. If you don't shop at Express very often, this card is probably not a good idea. At 7500 points, you enter another level of rewards, and reaching 7500 points would not be difficult with 15 points / dollar.
This Shell Credit Card is significantly better than most store-tied credit cards I've seen. You can obtain points from a variety of purchases and redeem them for gas credit. Of course, in order to redeem the points, you need to go to Shell gas stations which tend to be more expensive than their competitors, so the money saved may not actually matter if you're paying extra at the pump initially. I'd carefully compare various gas station prices before choosing to open this account.
This JCPenny Store Card seems pretty below average. 1 point / dollar is not good compared to other rewards cards, and the redemption is limited to JCPenny. Most of the rewards are exclusive to JCPenny purchases which limits your ability to shop elsewhere. Using a general rewards credit card is much more financially sound than using a card that ties you to a single store. The worst part about this card is that the points expire at the end of each calendar month. That's absurd.
I opened a student checking account when I was 16 and it served me well. I still use it to this day. I think I will close it sometime though as I am moving across the country and want a local bank. The student checking account is great for high school and college students. Beyond that, it seems pretty run of the mill.
I use USAA for my personal bank, and I have had quite a bit of trouble accessing their online services from overseas. I got locked out one time because I accidentally misspelled my password once, and then it wouldn't let me contact anyone over the internet. I had to call someone which was impossible from my location. I have another bank account, so I don't need those funds immediately, but if I did, I would be screwed. I think they really need to improve their online security system so it doesn't do more harm than good.