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The Radio Shack Store Card is pretty decent for people that frequently shop at Radio Shack. There is no annual fee, you earn discounts such as 10% or 15% off purchases and if you pay your balance in full within the first 6 months, there is no interest. It is similar to the Kohl's credit card as they also offer special discounts of 15-30% although they have no zero interest introductory offer. Neither of the cards have annual fees, but they both have high interest, ranging from 22% to 29%. It is best to pay your balance in full each month to avoid extra charges.
The First Progress Platinum Elite Secured Credit Card is pretty good as it has an annual fee of just $29 (most secured cards have really high annual fees). It also improves your credit by reporting to credit agencies monthly. It is quite similar to the Capital One Secured Mastercard, as it also has an annual fee of $29, but it has a higher interest rate on purchases (22.99%) compared to the First Progress amount of 19.99%. Neither of the cards offer rewards or cash back, but they are simple, do not have lots of different fees and are good choices.
The Applied Bank Visa Business Card is just okay as it does not offer any zero interest introductory period and considering this is a business card, I would think that would be especially helpful to customers. I like that it has no annual fee, but it doesn't offer much in the way of perks, rewards or savings. I think a better option is the Ink Cash Business Card because it has no annual fee, but even better, there is zero interest on balance transfers and purchases for the first 6 months, plus you earn cash back! Overall, it offers so much more to its customers.
I like that the First Premier Bank Forward Credit Card helps you improve your credit by reporting to credit agencies monthly and helps you to control spending, but I think the fees are way too high. You have to pay a $95 processing fee off the bat, then they have an annual fee of $75, plus monthly fees! They do allow you to pay the processing fee over time, but still,that is a bit much. I think the Capital One Secured Mastercard is a better choice simply because they have an annual fee of only $29, and do not charge all kinds of start up fees, monthly fees, etc. Their minimum deposit is only $49 and while it may not exactly be a credit card because it is secured, it is for people with bad credit and will save you more money in the long run while also improving your credit.
The PNC Flex Visa Credit Card is not horrible, but could be better considering you need excellent credit to qualify for it. They have no annual fee but do not offer a zero interest introductory period on balance transfers or purchases. They do have a rewards program though where you can earn points towards gift cards, traveling, merchandise and more. While the card isn't too bad, I like the Chase Freedom Visa card better because it has no annual fee, no interest on balance transfers or purchases for 15 months and instead of points you earn cash back. This card also requires excellent credit, so you might as well go for the one with better perks!
The BBVA Compass ClearPoints Credit Card is a pretty decent card for people with excellent credit to begin with. They have no annual fee, a 6 month zero interest introductory offer and a rewards program that allows you to earn points that can be redeemed for gift cards, merchandise and more. They also offer 12 months of zero interest on balance transfers. I think the Capital One Quicksilver Cash Rewards Credit Card is just a bit better though as it offers one year of no interest on both balance transfers and purchases, and has no annual fee. It also boasts a rewards program in which you earn cash back on purchases. If you spend $500 within the first 3 months, you get a $100 bonus! Overall, I think their perks are better but both cards are good.
The HSBC Secured MasterCard Credit Card is just okay. They have an annual fee of $35 and do not offer any special perks or even introductory offers such as waiving the first annual fee or zero interest. They even require excellent credit! It is good in that it is a secured card though so you can not spend more than you have and it will help you keep your credit in check. While it is not the worst card you can get, I think the Open Sky Secured Visa Credit Card is a better choice because it has an annual fee of $29, which is a little cheaper and is better for people starting with bad credit. It reports to credit agencies monthly (as far as I know the other card does not) and overall has more to offer.
The Priceline Credit Card is great because it rewards its users with points whenever they use it, and they never expire. Upon signing up and making your first purchase, you even get a big bonus of 5,000 points plus opportunities to earn more bonus points. You can spend them on hotels, airfare and other things. I love that there is no annual fee, but they do not offer a zero interest introductory rate on purchases or balance transfers like most credit cards. While this card is decent, I think the Capital One VentureOne Rewards Credit Card is a better choice because you earn rewards as well, but they have a one year zero interest introductory offer on purchases and no annual fee, so it's a much better deal for customers.
The Aventium Classic Credit Card is a good card for anyone that needs to build or repair their credit. The costs though, are a little steep but if you have bad credit, it may be something that will be worth the costs in the long run. I like that it is a partially secured card, so you can put $95 on it and get a limit of $300. Other cards require you to put on more and do not give you an extra spending limit, you only get what you put on it. This card has an annual fee of $75 for the first year, and $45 each year after, plus monthly fees of $6.50, but no monthly fees in the first year. That is expensive! But, if you do use this card the good news is it reports to credit agencies each month so if you use it properly, your credit will show improvements quickly. In terms of saving money, I think the First Progress Platinum Elite MasterCard Secured Credit Card is a better choice because its annual fee is only $29 and it also reports to credit agencies. It requires a minimum deposit of $300, but will save you so much more in the long run by not having to pay so many fees.
The Bank of Hawaii Hawaiian Airlines Visa Signature Credit Card is good if you are looking to earn dollars for every mile you travel (like a rewards points system) and basically get rewarded when you travel. I like that they give you extra chances to earn rewards by doing things like booking directly through their airline and when it is your anniversary with their company. As great as the rewards are, the other features are not great. I do not like that they have an annual fee of $79, plus they do not offer a zero interest introductory rate. A better credit card for traveling purposes is the Capital One VentureOne Rewards Credit Card. This card has no annual fee (awesome) and offers a one year interest free introductory rate on purchases. Also, you can save up your miles and use them for flights, hotels, car rentals and not have to worry about them expiring. They do not expire! This card is better overall as it costs you less to be a customer with them and you get rewarded more.
The Arizona Diamondbacks Credit Card is great in that it has no annual fee, has the common introductory period of 12 months of no interest and allows you to earn points (1 per dollar spent) as part of their rewards program. Unlike most other credit cards, though, there is no zero interest introductory rate on balance transfers so if that is something you would like to use, that is not a perk for you, but is something you can easily find offered from other companies. I do not like that about this card. Despite the rewards points and no annual fee, I think a better credit card is the Chase Freedom Visa because it has no annual fee, and 15 months no interest on both balance transfers and purchases. You also earn up to 5% cash back on purchases, and get a $100 bonus if you spend $500 within the first three months. It requires excellent credit, like the Arizona Diamondbacks Credit Card so I think if you have to be qualified to even apply for the card, you should at least get the best perks available to you.
The Kohl's store credit card has a lot more benefits than most store cards. First of all, each month you get a discount to use in store that is for cardholders only. It is either 15%, 20% or 30% off. They also make the codes available to use online so what's great about that is is you didn't get a 30% of code in the mail or just do not live near a Kohl's store, you can still take advantage of the 30% savings by shopping online. Another great perk is that along with the discounts, usually they offer free shipping too, with no minimum purchase. I can't tell you how much money this has saved me over the years. When shopping at certain times during the month at Kohl's you can earn "Kohl's cash" which is basically like a $10 gift card for every $50 you spend. This often happens during the free shipping and 30% off promotion, making it a triple threat of savings. Many of these perks are for cardholders only, which is great. You can even bring items in for a return without a receipt and they will honor it. It's a great store credit card to use with no annual fee. The interest is kind of high though so it's best to be smart and pay it off each month.