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A great way to reduce your monthly phone bill is by signing up for an AT&T Credit Card. By using this card to pay for your cell phone you can save 10% the first year and 5% every year thereafter. It’s a category you don’t usually see such a high percent of cash back on. Beyond that, this card gets the standard 1% back on your purchases you make everywhere else. The biggest down fall to this card is that there is a limit to the amount of points you can earn at 50,000 which might make this a deal breaker for those that want to use this as their every day credit card.
There is no benefit for having an IKEA credit card if you are a frequent shopper of the store. The card currently does not offer any rewards whatsoever that you would typically expect from a store card. With IKEA accepting major credit cards such as Visa, Mastercard and debit cards you are better off using your existing card with whatever rewards program you like best to get the most cash back from your IKEA purchase. The only reason I would suggest opening an IKEA credit card account is if you needed to make a big purchase and pay it off over time without any other options. With an APR of 25.99% I would recommend you use another card with a lower interest rate if possible.
If you have a membership to BJ’s I can’t think of a reason why you should not have this credit card. There is no annual fee and you get 2% back with every purchase that you make in store. On top of that you can earn a $30 BJ’s Gift Card for every 3000 points you earn. That’s the equivalent of $1,500 spent at BJs’ or $3,000 spent on every day purchases. When you combine the BJ’s Gift Card with the 2% back, this means you’re essentially getting back 4% back by using this car inside a BJ’s Club Store.
This is the essential card that any football fan should have in their wallet. With no annual fee and a $100 sign up bonus, NFL fans are immediately going to see benefits on their first purchase. You get 2% back on everything you purchase in-stadium and at NFLShop.com. There are also additional bonuses of $20 off every $100 you spend at NFLShop.com. This card will definitely allow you to save big on some specialty items such as jerseys and memorabilia if you were going to buy the stuff anyway. On top of all that you get a base of 1% back on every day purchases, which is pretty standard for a rewards card these days.
The Chevron and Texaco Gas Card offers the convenience of being able to pay at the pump and nothing more. It’s a store card that can be used only at Chevron and Texaco gas stations, and has no benefits beyond the first 60 days of using the card. You get 10 cents off per gallon with a cap of $300 in discounts, but only for the first two months. Overall there is no reason to get this card if you have any other rewards credit card in your wallet. APR is also higher than average at 26.99% with no promotional intro interest rates.
A gas card can be a great way to save some extra cents at the pump and are becoming more popular as gas prices continue to rise. The CITGO Gas Card is a great option for those that don’t have access to other rewards cards that can get them similar benefits. At 5 cents per gallon this credit card essentially gets the same rewards as a 1.25% cash back credit card when gas is $4/gallon. If you find yourself loyal to CITGO or want the convenience of paying at the pump this might be the card for you. But other rewards cards out there offer base rewards starting at 2% and as high as 5% on gas from any gas station in general. This card also has an APR of 24.99%, which is much higher than other credit cards.
If you live in one of the six states that have Sheetz locations and visit it frequently, the Sheetz Credit Card is a great way to save even more money at this convenience store and gas station. You will get 5% back at the pump or in the store and 1% everywhere else, with the option to redeem for gift cards, cash back, or savings at Sheetz stores. While other cards offer sign up bonuses when getting the card, Sheetz doesn’t have any sort of incentive for new members which is disappointing. The interest rate is also pretty standard compared to other Visa cards with a similar rewards program.
Bluebird is the feature packed prepaid card from Walmart that can be used as an alternative to a checking account in a lot of ways. The main benefit of Bluebird compared to other prepaid cards is that almost all of the features are free. This includes activation, cancellation, inactivity, support, store transactions and monthly fees. If you have direct deposit set up you’ll get free ATM withdraws at any MoneyPass ATM, otherwise there is a $2 fee for each withdraw. One of the coolest features of this card is that you can make sub accounts for your family, limiting their spending power while still giving them the benefits of a secured credit card. This is a card to consider if you need an alternative to banking or simply want an American Express card without signing up for the full blown credit card. The limitations of this card would be the lack of any rewards and purchase protection only good up to $1,000 per occurrence.
First Premiere Bank might be calling this a platinum credit card, but it’s actually a card designed for people with very poor credit. There are so many catches that go along with this card it would be difficult for the average user to keep track of them all. The annual fees are pretty high for an unsecured credit card. Between the one time fee when signing up, annual fee and monthly fee, you’ll have spent $290 in fees alone just to have this card in your wallet for the first two years. You will also be charged for each credit limit increase in the form of 25% of the amount of the increase. That said, if you have bad credit this might be your only option. Pay off this card every month and start building your credit history, as First Premiere Bank does report your activity to major Consumer Reporting Agencies.
Frequent travelers might find themselves favoring one airline over another, and if you like Continental and United this might be the card for you. The main perks of this card come in the form of all the benefits you get in the airport. First checked bag free, complimentary passes to the United Club, and priority boarding are the main perks you would normally be paying to get. This card’s annual fee of $95 and slightly higher max of 2% cash back makes this card one to avoid if you are not a frequent flyer or are simply not interested in the perks that come with it. There are other cards that have 5% quarterly bonuses on airfare which will get you a better deal if you only fly once a year.
The Bed Bath and Beyond no annual fee Master Card can be a great way to earn even more money back from the store beyond those coupons you always receive in the mail. They have some pretty nice perks to get you to sign up with their card, including a $25 off of $100 coupon and a $10 gift certificate just for signing up. For every $200 you spend in the store you are going to get a $10 gift card, which is equal to 5% back. Everywhere else you’ll get the standard 1% back which is pretty standard for a rewards credit card. I would only recommend this store if you find yourself addicted to Bed Bath and Beyond, as the rewards just force you back into the store rather than give you cash back off your purchase.
Current members of Sam’s Club might want to consider getting a Sam’s Club Business Credit Card as a way to get a little extra cash back on your regular purchases. Since Sam’s Club only accepts Discover, Master Card and debit cards, chances are you are not able to take advantage of any Visa cards you have with high rewards programs on them. There is no annual fee for this card, but take into consideration that you are paying a yearly membership fee for the privilege of shopping in their store. If you are already making regular trips to Sam’s Club for your business though, you can earn 2% cash back as a Sam’s Club Business Plus Member. The card is also accepted as a normal Discover card at places other than Sam’s Club, and as a business owner it’s always good to have a Discover card in your corporate wallet.
The Sunco Gas Card is designed for large commercial businesses that need to fuel a large fleet of vehicles. So if you are an average Joe like most of us this is not the card for you. You’ll see savings in the form of 3.5 cents back per gallon when your company spends over 10,000 gallons in a single month, and 1.5 cents back per gallon when you use as little as 500 gallons. Considering the current price of gas, you might be better off with another type of rewards card if you don’t purchase a big volume of gasoline.
The main benefits of the Shell gas card are kind of misleading, as there are little to no benefits using this card for gas purchases. You’re going to see the main benefit if you are a frequent traveler and stay at hotels such as Holiday Inn, Hilton and Ramada. You’ll get up to 10% cash back at major hotel chains, and 5% back on airlines and car rentals. I would only recommend this card if you are a frequent traveler, as the $25 annual fee might set you back more than the rewards you’ll earn if you only stay at a hotel one or two nights per year.
If you have been applying for credit cards and are having trouble getting one due to your credit history you might want to consider the Citi Secured MasterCard. It different than a prepaid credit card, as your credit limit is secured by the size of a deposit you are willing to put into a CD for 18 months. This amount could be anywhere between $200-$500. The upside to this card is that you will earn a 1% interest rate on your CD, which is better than a savings account. But you will have to pay a $29 annual fee. The main advantage of this card over a prepaid debit card is that you have protection against unauthorized charges, and if you lose your card you don’t lose all your money.