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The name got it right, this is a good basic card. Terms are standard terms and fair. No annual fee. On-line banking is simply, easy and convenient to use. They have standard fraud protection, although it seems it's a little strong sometimes - recently my account was flagged for suspected fraudulent activity because I tried to rent a bike from a local town's bike-share kiosk. They did notify me very quickly, and the process to get it handled was quick and easy since I could do it on-line, although for some reason they unlocked the use of my card before allowing me to access the on-line banking again, which seemed weird, especially since they locked the on-line banking a full day after locking the card. It all got fixed though, and the process wasn't painful at least.
An interesting card. I opened it for a discount when buying my first "real" adult business suit after I finished school expecting only a Macy's store card. When I receive it, I had been approved for the combined Macy's/American Express card. It's too accounts in one, with one for purchases made at Macy's, and one for purchases made at any stores that works like a regular credit card. I don't know if this is unique to Macy's but it's the first time I've seen this. It has it's own rewards program, called "Star Rewards," where you receive a gift certificate you can use in Macy's stores after charging a certain amount on your card. You have to spend over $500 before getting any rewards, though you get rewards at both Macy's and when buying elsewhere once you've hit that limit. It seems you also get special coupons and shopping passes at times for having a card as well. It would be a good card to have if you spend a lot of Macy's. For everyone else it's not the best option out there for a credit card, as it has the usual higher than usual store card interest rate.
This card is what my old college student "Car Rewards" credit card turned into when I guess they ended that card/program a few years ago. It's your standard credit card - I've never had to contact customer service for anything other than activating a new card or payed late or gone over my limit, so I can't comment on any of those situations personally. The rewards program is "Thank You Rewards." To earn points you can either buy thing on-line through the website, or buy items in stores at certain stores, so you don't get rewards on all purchases and how many points you get per dollar depends on the offer at the specific store. Rewards are your standard gift cards or items from a list for a certain amount of points. It's not a terrible rewards program, but there are better out there, so I don't use this card much, it's mainly one of my back ups.
This was my first ever credit card, opened as a college student many years ago. It's always been good to me. Paperless statements, which I prefer, and an easy to use online banking system. No annual fee. It has a rewards program, Extra Cash, which is ok - you earn 10% of all eligible purchases, and later can purchase gift cards or other goods at full price and apply your extra cash rewards towards the price ($10 in rewards would get you a $50 gift card for $40). Not an amazing program, but it's something, and this is a decent card all around.
I have this card because it started out as a card from another company, that no longer exists, a number of years ago and eventually the account ended up owned by Chase after a few different mergers/buy outs. The terms are fine, on par with most non-secure cards for people with good credit. It has a rewards program (Ultimate Rewards). Base reward is 1% on all purchases, but there are quarterly categories that will earn 5% cash back on up to $1,500, though you have to sign up each quarter to get the 5%. You can get rewards as either cash back, or as gift cards or items. 2,000 points gets $20 cashback, gift cards seem to use the same ratio (2,500 points = $25 gift card). Not a bad rewards program at all if you're one to pay the balance in full each month. I've never had any issues with my card, although I've also never had to call customer service for anything other than activating new cards and have never payed late or anything, so I can't comment on that.
This is my newest credit card, so I've only had a few months experience with it, but so far everything has been good. Signing up was quick and easy on-line and I got my approval instantly. I've found the on-line 'banking' system is clear and easy to use. They have a cashback rewards with categories that give you 5% cashback on up to $1500 that change every few months - my only complaint with this is that gas is one of the categories more than once, and since I live in an area where basically every gas station charges way more to use credit than debit/cash, even at 5% the rewards aren't worth it, so it's a "wasted" category for me personally. The regular rewards say you get 1% on everything else, but if you read the fine print, it's actually 0.25% cashback on the first $3000 you spend in a year, the 1% only starts after that, and at "select warehouse clubs or discount stores, including grocery stores affiliated with these stores" you always only get 0.25%. So, the rewards program is ok, and probably pretty decent if you do a lot of purchasing in the categories that are the 5% cashback ones, but if you won't be using your card for gas, movies, theme parks and department stores (like me), the "regular" rewards are not great once you read the fine print.
This was actually my first credit card. I opened it as a student card about 6-7 years ago. I've never had any issues with it or Citibank, although I've also never gone over the limit or missed making a payment on time. The rate isn't great, but I've seen much worse, and there's no annual fee. It has the ExtraCash program, but I've never used that either. This was a very decent 'starter' card. The times I have spoken to customer service they were polite and helpful after the required script the person had to read. They have an option for paperless statements, which I like. They often offer decent balance transfer offers. The only reason this isn't my 'main' card is that I have another with a lower APR, but overall I'd recommend this to anyone looking for a basic, no annual-fee credit card.
I've had this credit card since 2005 if I remember correctly. I've had nothing but good experiences with it, although I have been lucky enough to avoid any issues like losing it or having unauthorized charges put on it, so I can't speak to those experiences personally. It had a 0% rate when I opened it, and often has 0% balance transfer options running. The normal % rate is alright, I believe mine is in the mid teens at the moment, it's not the card with the lowest rate I have but it's also not the highest rate. It has a rewards program, though I don't know too much about it as I don't use the card regularly. I keep and use it for emergencies, and I've never had any issues. I'd recommend it so long as you tend to be someone who pays off your balance every month unless you end up with a lower rate than I have.