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I shop at Old Navy and Banana Republic a lot so I decided to get this card in hopes of it reducing some of my costs or adding some value to my typical shopping habits. I enjoy the 23 day grace period and the max late fee is reasonable. 5 points per dollar at participating stores seems to be about the average for this kind of card (thus the 3 stars) and I have racked up quite a bit of points and am happy with the Old Navy credit card so far!
I used this CD as a saving mechanism for some money I had saved up after college. I figured it was better to keep it out of my hands for a little while and hoped it would grow a bit. The CD was good for keeping it out of my hands, but the return was very small...but that is what I expected, so it was all and all a decent move on my part, I would do it again if I was in the same situation.
This is a good card to issue to some one like a teenager or college student. I deposited half my savings in the collateral account and then was able to pay off my balances from the earnings from my part time job. The Wells Fargo Secured Visa was a good way to learn about credit cards and how they work with out risking too much debt, since the credit limit was tied directly to the amount of money I was able to cover.
I opened an account with this card for the specific reason of booking a few business travel trips with it. I am very happy I did that because it paid off to use the British Airways Visa over my regular visa card issued through my local bank. The 50,00 bonus miles were a huge boost and I was able to put the miles towards a major trip I took which would have been impossible without the rewards miles.
This card is pretty good - the rewards are decent and the points add up, but my main problem is Jet Blue service in my area. It's hard for me to get a good flight out of my local airport on Jet Blue, so the Jet Blue Credit Card ended up not being a particularly good credit card for my specific needs. Besides that though I had no problems with it, I will just be switching to a card that serves an airline that more frequently flies to and from my local airport.