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Off hand, I would say that this looks like a fairly bad card deal, but honestly it is exactly what I wanted! Once a month (or pretty much during every sale cycle) there is a chance for card holders to get an additional 30% off of their purchase. With this sale I have gotten dress shirts for my husband for around 75% off and they weren't even clearance! I highly recommend this card.
The annual fee on this card is obviously high, but the low APR, and AMAZING card member benefits totally make up for that! 50,000 points is worth hundreds of dollars, and they come really quickly in relation to the time of opening the card. I highly recommend this card if you fly British Airways (or want to).
My first reaction to the terms of this card were horror! But as I found out about the details, I am convinced that this card is a terrific stepping stone for people with bad credit to improve. The fact that the high monthly fee can be waved with as little as $100 direct deposit each month is the cards greatest saving grace. I'd recommend this, if you need it.
This card is very disappointing. The only really good thing it has going for it is the lack of annual fee. The applied credits for Apple purchases are not even blanket! Otherwise, the rewards are sub par and the APR is astronomical. I do not recommend this card at all.
I think this is a great card for new credit card holders! To put in and only use what you put in is an easy way to learn how to properly use credit. If I had this option when I was younger it would have helped me a great deal. The annual fee is on par with my current credit card the Amazon Visa and I think would give credibility to the actual experience of charges and fees most credit cards have. Given the chance to use only what is available and nothing more could lead to a better economy, in my opinion.
I have used the Amazon Visa that seemed to allow for more rewards dollar for dollar. Also the APR is at a better rate but I suppose that is based on personal credit ratings more than what the actual credit card company offers. I would be concerned with "eligible purchases" with regard to how much points I can earn. I understand that other companies do have eligibility with their purchases but again, my Amazon Visa would seem to offer more.