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The Platinum American Express card has some strict requirements, needing a superb credit rating, as well as paying the balance in full each month, but offers many nice bonuses if you can qualify for the card. The card offers many helpful benefits for travelers, such as extra discounted tickets, hotel and resort bonus programs (offering exclusive upgrades and other features worldwide). On the negative side, the card has a $450 annual fee (at the basic level), and a $35 late fee (or 2.99%). The points system the card uses basically gives 2 points per booked travel trip, as well a 1 point for every other dollar spent, which is quite nice.
The Sony Card, offered by Capital One, is a great card if you’re interested in Sony’s various products, as the many bonus points you can accumulate can be redeemed for music, movies, games and their actual devices as well (if you can save up enough points). The card also has no annual fee, which is always nice, and even has an introductory offer giving you 0% APR on all of your purchases for just under a year after you apply for the card. When you sign up, the card gives you five thousand bonus points, and points are earned at a one point to one dollar ratio (for normal purchases) and five points to one dollar for Sony products.
This credit card is mediocre at best – the features it offers barely balance out the problems. It’s really only worth getting if you are a frequent customer of Marriott hotels (obviously), since the majority of the rewards are Marriott focused. I had a few issues with the card not registering points properly, and when I attempted to call their customer service lines it was a huge ordeal trying to get them to properly give the points I should have earned. The $85 annual fee is a bit steep, but assuming that you fly frequently and accrue enough points, you could end up getting a free night at one of the hotels, so it balances out.
This credit card requires a good-to-excellent credit rating, which might prevent some people from getting it, but to offset this, it has no annual fee (which is quite nice). They also allow you to pick from a number of designs, which, while not all that important, is still nice. One of the differentiating features of the card (the fact that it is biodegradable) doesn’t affect the uses of the card (obviously), but for environmentally conscious consumers, they might feel a bit better about using the card. The cash-back bonuses are fairly standard, but due to the monthly changes in what qualifies, you have to plan your purchases ahead of time to attempt to take advantage of them, which is a bit annoying.
This is a great card with a very good rewards system, with many cash rewards options (that do not expire). If you are responsible using this card, which you should be with any credit card, you can get a pretty good amount back from Chase simply for using the card (while paying back the card quickly). It does require you to have very good credit, so it may not be available as many people’s first option for a credit card, but it’s a good one to work towards while building a credit history. The lack of annual fee is a nice plus as well, and fits the “rewards theme” that the card is based on.
This card is a good card to pick to help to build (or improve) your credit score. The rates and fees are heavily dependent on your score, whether considering your monthly or annual fee. Capital One’s customer service can be excellent at times, but there are also some times when I had a hard time both speaking with a representative, or properly communicating what my problems were and getting them sorted out. Being a Mastercard credit card, it’s accepted in practically any store or website, and I can’t recall being unable to use it as of yet. The security deposit required by the credit card is also relatively low compared to other available options.
I was offered this credit card when I signed up for a checking account at Wells Fargo a few years ago. The application process was very easy, just a form or two, and the card was sent very quickly as well. It’s a great card for a college student, it has no annual fee, and the cash back option is a nice bonus (though it doesn’t really amount to much in the long run). There is also an option that enables you to quasi “link” with a bank account you might have with them online. All in all, it’s a good card to start building up a credit history.
My parents helped me get this credit card when I turned 16, both for me to have in case of emergencies, as well as to begin working on my credit score. In the years I was using this card, I had no issues, and the customer service was always helpful and informative. The few â€œcash backâ€ perks are nice as well, but they donâ€™t end up being used all that often, so they shouldnâ€™t be the primary reason for choosing this credit card. All in all, itâ€™s a good â€œentry levelâ€ credit card, for someone new to credit, or for someone who doesnâ€™t qualify for other options as of yet.