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The Capital One Venture card looks to be a great card for someone who travels. I have used other Capital One cards in the past and they were good to me. I now use Barclay Rewards cards, as I would rather have points toward money back than miles toward airline flights. The other thing I would change about this card is the annual fee of $59 after the first year. None of my cards have fees and never will. I do not understand cards that still charge annual fees. They do get a big WIN for the smart chip in the card!
OK, based upon the 22.9% interest rate this card is not a good option for carrying balances. Unless you use their 0% promotional rate on purchases over $150. This card will even let you carry a $599 purchase for two years with no interest. It is also a good card to use at their gas station, as they give you a discount of up to fifteen cents a gallon in bill credit. My wife also will use it on groceries, on occasion, and let me know the balance so I can pay it off before the interest kicks in.
I love Suntrust Bank. I have two checking accounts, my wife has a checking account, and we share a savings account. The savings account acts as a bridge to my two checking accounts and my wife's checking account. It easily allows us to park money we are trying not to touch and to jointly be involved with our saving process. It can almost become like a competition between us when putting money into savings. The only real drawback is that they do charge a fee each month, but this is easily avoided by having at least $5 deposited automatically, from another account, at the start of each month. Also, there is a limit of two withdrawals a month, which in my opinion actually helps deter random withdrawals without pausing to think if it is really worth going into your savings for.
I had a Bank of America checking account, about seven years ago, prior to my current checking and bank that I love. I had noticed over the years that Band of America would que up my debit card transactions and process them in batches. They would show as pending for sometimes up to a week long. I never really thought about why they did it until I found out the hard way one day. One Thursday night before payday, I inadvertently used my debit card one too many times and I did overdraw thinking it would be in pending for days. NO, BOA decided to clear that transaction in lightening speed and proceeded to process the rest of the transactions as well in an order that created the most overdraw fees possible for them. If they would have processed all transactions in order then I would have only one overdraft fee, but in the order they processed the transactions it caused an onslaught of overdraft fees. As each fee ate up more available money which caused another transaction to bounce. Rinse and repeat. Needless to say it wrecked that paycheck and they lost a customer for life.
The Ink Bold card sounds like it has an awesome reward structure, with the 5x and 2x points categories. However, with an annual fee of $95 hovering over your head each year you would be better off with a reward card like the Barclay Card that doubles your points on groceries, gas, and utilities with no annual fee. Also, if your a business who purchases a lot then the 50,000 cap could be reached very quickly. There are many other cards out there with zero zap and zero annual fee.
I have had this Suntrust Everyday checking account for over seven years now. The only thing that I dislike is the $7 per month fee, but that is easily avoided by having your check direct deposited each month. I have never had an issue with transactions posting late, as I have had with my previous checking account at another bank. I love their online and mobile applications and since I really only write one to two checks a month I do not really have to balance a checkbook. I can easily pull up my account information, to include pending transactions, on the mobile app. Yes, I would recommend Suntrust and this checking account.
I have used the Best Buy store card several times for mainly Christmas type shopping. The points system would be ok for someone who shops there a lot, but for the occasional user it is best to use their 0% financing for 12 months. The major downfall I see in this card is the high interest rate, so I definitely would never carry a balance unless I could pay it off within the promotional time frame. Also, I think a good change would be the ability to build points and use the promotional rates at the same time. Basically I am keeping this card for credit building and emergency use, but only under a promotional purchase.
Listerhill is a good small town credit union, that has been behind the times in technology up until here recently. They are just now getting up to speed with their online banking and have recently upgraded their banking system. The banking system upgrade did have a serious impact in that the bank actually closed for 5 days in order to accomplish. This is just an example of one of the negatives of going with a small town or regional credit union instead of one of the big banks. Although, on the flip side their customer service is excellent and they really do a good job of showing they care about you as a customer.
I have this Dallas Cowboys Extra Points Credit Card, which is issued under the Barclay bank system. It was the first card I got when I was rebuilding my credit and my credit line started at $500. I have used the card extensively as a buying a convenience tool and then payed off my balances at the end of the month. Now two years later I have a second Barclay rewards card, with even better rewards, and both have a credit limit of $2,500. My credit score has also shot up over 100 points. Oh, I forgot to mention that I also get a free credit score every month on the Barclay website. Also, the web and phone app interfaces are very easy to use and user friendly.
I generally do not like store credit cards, even if they are all purpose cards, as their points are usually only earned on store purchases. This card looks to be a little different. I like the fact you can also achieve double points on groceries and gasoline, which is very much like the Barclay rewards card I carry. Except, that the rewards on this Dillard's card can only be turned in for Dillard gift cards, while most other reward card can actually be turned in for statement credit to be used on anything or even against your bill balance.
This is my second Barclay card, with the first one being the NFL rewards card. I have now switched to mainly using this card as the double points feature is excellent for my spending habits. I basically utilize this card to pay for all my utilities, groceries, and gasoline each month. I then pay the balance at the end of the month so I do not accrue any interest charges. The double points, combined with my monthly spending in the above categories amounts to a free $25 about every 45 days. That is an extra $200 a year just for using their card to pay bills you were going to pay anyway. Thanks Barclay!
Based upon the APR range, this card should not be used to carry balances. I can see where this is a good card for someone who travels a lot, but there are a lot of other cards out there which offer more than one point per $1 spent. I have a Barclay card with similar APR, so I pay it off at the end of every month, which offers one point per dollar spent on normal purchases and two points per dollar spent on Groceries, Gas, and Utilities. These points can be redeemed back at a similar rate as the Amex Blue Sky card, but for credits on my credit card bill. So in short if you travel a lot this might be a card for you, but if you do not there are better reward cards out there.