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I have been a Chase bank customer for several years. I have had this particular card for about 3 months and so far I am happy with it. I am a cardholder at another big bank that I will not bother naming, but regardless, I was unhappy with the service I was receiving in recent times. I had several big purchases that I was paying off at a ridiculous APR. This other company was completely unwilling to work with me to lower the APR. I thought I was out of options until I found the Slate card from Chase. I was able to transfer my balance over for free. And, of course, the icing on the cake was that Slate has no annual fee.
I'm relatively new to the BankAmericard Cash Rewards card, only having been a card holder for just a few months, but thus far am very pleased with my experience. In fact, I think this card is going to be a top contender for most frequently used. The first thing that attracted me to this card was the 3% cash back on gas and 2% on groceries - something I always have to buy, so why not save some money doing it? The 1% cash back on all other purchases is pretty standard for a cash rewards card, but in conjunction with the gas and groceries, makes this card very nice overall. There is a $100 cash back bonus for spending $500 within the first 3 months of the card, which is just icing on the cake. The other great thing about this card is there is no annual fee.
The Capital One Secured Mastercard is a great option for people with bad or limited credit history who need a second chance. I used this card several years ago to get my credit score back on track after suffering from identity theft. Long story short, it was a relative using my social security number, so I decided not to press charges as long as they agreed to pay me back. I got all the money, but the damage to my credit score was already done. The Capital One Secured helped me start rebuilding my credit. Now I'm in a much better position to start applying for other cards and getting better APRs when financing purchases.
I've got several other credit cards, but overall, this is one of the best. For starters, there's no annual fee. They often have a deal where there's no APR for the first year, which is also really nice. The deal is that you earn 1.25 miles for every dollar spent, which is a pretty competitive rate compared to other mileage rewards cards. Capital One is pretty good about limiting black out dates, as well. Customer service at Capital One is always good. This card is quickly becoming my "go-to" card. Overall, this is a really solid credit card and I would recommend it to anyone who likes to travel.
I've been a Citibank customer for about a year now. So far my experience with Platinum Select Visa has been pretty good. I got an extra cash back bonus for spending a certain amount within 3 months of having the card, which was nice, because I was going to make those purchases regardless, so getting some cash back was icing on the cake. There's no annual fee, which is an absolute necessity for me nowadays. The cash back rewards are pretty standard: 5% on rotating categories (changes quarterly) and 1% on all other purchases. There are several other cards that offer the same type of cash back bonus reward system, so between the Citibank Platinum and my other cash rewards cards, I'm usually able to get 5% back on whatever I need to buy.
When my favorite clothing store started changing their style, I went looking for a replacement, and found it with Kohls. After several successful and enjoyable shopping trips at Kohls, I decided to open a credit card with them. Opening the card saved me 15% on my purchase that day. Since then, I've continued to save money simply by being a Kohls cardholder. They are always sending out coupons to cardholders for 20 and 30% off. I'm going to do my shopping there anyways, so I might as well take advantage of these offers! The best part: there's no annual fee!
This was the very first card I ever applied for shortly after turning 18. I knew absolutely nothing about credit cards, or even credit in general. This card just happened to be the first application I picked out of my mail one day. The application process was really simple, and I was approved for the card fairly quickly. I was given a fair credit limit and APR, considering I was a student with a part-time job and no prior credit history. I've had a few small issues over the years, which Capital One customer service was always great about resolving. My only complaint about this card would be the annual fee. As someone with more established credit now, I will definitely be looking for a card without an annual fee in the future.
I have been a Discover customer for about 2 years now and have been satisfied with my experience so far. I have fairly decent credit (lower 700s) and was approved almost instantly for a decent credit limit and a pretty good APR. I use it mainly for the cash back rewards. I have a few other cash back rewards cards, some with rotating bonus categories, like the Discover More card, some with just a flat percent cash back. Depending on the current bonus categories, I will use this card in conjunction with my other cash back rewards cards to maximize my rewards for things that I need to purchase anyways (gas, groceries, etc). Also, there is no annual fee, which is really great.
American Express was one of the first cards I opened when I began to work on building my credit. I've had an account with them for about 8 years now and recently upgraded my card to the Blue Cash Everyday card. The customer service rep was very helpful in letting me make the switch. I like that this card has no annual fee, but still has decent cash back rewards. I'm going to need to buy gas and food anyways, so I might as well get a few bucks back by using the Blue Cash Everyday card. Overall, I've been very happy with American Express and would recommend this card to anyone looking to get some decent cash back rewards without an annual fee.
Capital One was the first credit card I received when I was about 18 or 19. It has a pretty high APR and a $39 annual fee. I recently called and had my card upgraded. The customer service rep I talked to was very polite and helpful and allowed me to upgrade my existing card to the Cash Rewards card, so that I could retain the history I had already established. While I wasn't eligible for the $100 cash back bonus, the card has no annual fee, and 1% cash back which I really like. I had some big purchases planned, and the 1% reward made it just a little bit easier for me.
I've had several credit cards before applying for the Chase Freedom card, but never really cared enough to try to utilize cashback or rewards programs. I decided I was done living paycheck to paycheck, and was going to get my financial house in order. I read a lot of personal finance blogs and books, and one thing a lot of them had in common was the use of rewards card. With this knowledge, I did some research and the majority of people recommended this card. I had a fairly decent credit score (low 700s) and was instantly approved for $1500. At the time, there was a $200 cash back bonus when you spend $500 in the first 3 months. I had some major purchases coming up anyways, and decided to utilize my shiny new cash back card to take advantage of the offer. I've not had any issues or complaints with my card. Very satisfied customer!