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The Lord & Taylor Store Card is something that should be looked into if you're a frequent buyer of high retail and specialty items and live in the east coast. It's a really good store card since you get a 15% initial bonus on your first day that you can use anywhere. The other benefits are no annual fee and periodic discounts, which can vary from good to bad to what you're looking for. Comparing this to the GAP Store Card, the Lord & Taylor Card is lacking with GAP having a 25% initial discount bonus and base point gains and more variety in purchases. Overall, I'd only get the Lord & Taylor Card if you're a frequent buyer of the brand.
The Blue Cash Preferred from American Express Card is probably the best rewards credit card on the market right now. It has great rewards with a $150 signing bonus and cash back on supermarkets, gas stations, and department stores. Since I'm a college student, getting cash back on everything I buy is a plus. The 0% APR is also great and the cash back deal starts right when you sign up for the card. This is something I definitely could not live without.
The BankAmericard for Students is the card that I'm currently using. Since I'm a college student, my starting credit score isn't that amazing and I need to built it up. So I got this card for starters and it's been working out so far. Although there's no rewards, this card is perfect for bringing you into the folds of credit card payments. There's nothing special about the no rewards, which is somewhat off putting, the balance transfers and cash advances are on par with a lot of other basic student cards. But the great thing about this card is that you will get alerts on fixed payments in order to keep track of your financial situation. You also get tips from Ultimate Money Skills to help build your credit.
The HESS Credit Card is a Visa Card that has no annual fee which is a huge plus. This is a card that would benefit people who often buy HESS products or on the road a lot. There's rewards with no initial bonus and a average base/max earn rate of 1%/3%. You can get 3% rebate after the first 60 days on HESS products up to $500. There's no reward caps and you can get varying levels of rebates. The purchases, balance transfers, and cash advances are pretty much average and not worth talking about. Comparing this to other cards such as the Chase Freedom Card, the bonuses are a bit lacking since the Chase Card has a $100 bonus cash back after $500 in purchases after 3 months. You also get unlimited 1% cash back on all other purchases, which is a place. I'd get the HESS Card if you're in a area that has a lot of HESS gas stations.
The National Tire & Battery (NTB) Store Card is a pretty run of the mill store card. If you're buying a lot of products from this chain, then I'd check this card out. There's no rewards, but you can get a $50 Visa Prepaid Card on purchases of $399 or more, or $25 card for $199 or more. There's no interest if paid in 12 months, but you need to make a payment of at least $799. There's store benefits with special rebate/coupon offers and low monthly payments. This is definitely on par with other cards such as Big O Tires Store Card, but the only different is that the prepaid cost tiers are different with a range of $100. So get this card if you're buying a lot of car products from this chain.
If you're planning on going to or a frequent buyer of Big O Tires, then the Big O Tires Store Card is a card that's definitely worth checking out. Although there are no rewards, purchases and cash advances are on par with other cards, it has its perks by having special rebate/coupon offers, special financing, and low monthly payments for frequent buyers. There's no balance transfers and you also need to spend $250 or $500 minimum to get great benefits. Comparing this to the National Tire and Battery Store Card, Big O has higher rates that you need to clear compared to the NTB, such as NTB having a $200 minimum and Big O having $250. This is a last resort card and I wouldn't recommend it at all.
The First National Bank of Omaha America Express Credit Card is a pretty good card that has a great feature of having no annual fees. The Rewards for this card is a Cash Back system, and you can get 2% cash back on gas and grocery store purchases and 1% on other applicable purchases. That is good in a way to recoup money after your daily needs. The Purchase, Balance Transfers, and Cash Advances are on par with other cards, and there's a Introductory 0% APR for the first 12 billing cycles for whenever you buy something. Comparing this to Blue Cash Preferred from American Express, the bonus from the Omaha American Express Card is lacking, since Blue Cash has an initial bonus of $150 and higher percentages on cash back. I'd definitely recommend the Omaha Card.
The J.P Morgan Credit Card is a card for those who are frequent travelers. There's not many redeeming features of this card and there's an annual fee of $95 after the first year. There's no initial bonus reward and the base/max earn is on a 1:1 point/$ ratio. Also you need to spend $100,000 a year on this card to get 25,000 bonus points. The upside is that you can get through blackout dates and no restrictions on future booking and multiple leg trips. This is basically a card for business people who need to travel a lot. The benefits is that you are protected with a lot of insurance for whenever you travel. In comparison with the Marriott Rewards Premier Card, the Marriott offers more in rewards with 7 free nights at a Marriott resort just as a starting bonus. It also has an initial bonus of 5,000 points. The J.P Morgan Credit Card is something you should use as a last resort if you're a frequent flyer.
The JetBlue Credit Card is an American Express Card that is great for people who often use JetBLue Airlines. This is a card for people who have excellent credit ratings and it shows with their great reward options. You get 20,000 points as a initial bonus and $50 credit each year after you buy a JetBlue Getaways vacation. You have a chance to earn points every time you buy something JetBlue related and it'll go toward your future vacation. Purchasing, Balance Transfers, and Cash Advances are alright; it's definitely on the same level as other cards. Comparing this to the Southwest Airlines Rapid Rewards Premier Credit Card, this card has much to improve on. Southwest has a 50,000 initial bonus and more after you keep buying. You can earn 50,000 points after you spend $2,000 in the first three months, and 6,000 points each year for just being a member. In summary, if you're a frequent user of JetBlue, then I'd look into this card.
The Mango Prepaid Card is a MasterCard for people who are just getting their first credit cards or just want to transfer money to another account. There's a monthly fee of $5 a month, and a $2.00 transaction at ATM, which is somewhat of a downer. It's a pretty barebones card that doesn't offer anything special. The benefits to having this card is having a free Direct Deposit system with 6 free transfers a month. You also get fraud protection from Master Card and FDIC-insured to $250,000. Comparing this to the American Express Serve Prepaid Card, it's definitely on par and the only real difference is that American Express has less fees to worry about when transferring or withdrawing from the card.
For frequent flyers of the Spirit Airline Services, the Spirit Airline Credit Card is a must have. There's no annual fee for the first year, but there's different amounts of payments for tier levels. The Rewards are miles based, with an initial bonus of 15,000 miles and a 2 miles/$1 for base/max earn. You can redeem round trip rewards after 5,000 miles and no blackout dates for flight redemption. The Purchase, Balance Transfers, and Cash Advances are on par with other cards such as the SouthWest Airlines. The Paperless Statement Option and online alerts are something of a plus, but it's a guarantee option nowadays with most other cards. Comparing this to the Southwest Airlines Card, it is seriously lacking to Southwest's 50,000 bonus points options, but Southwest is points based instead of mileage based.
The Sportsman's Warehouse Credit Card is something you'd most likely use if you're a frequent buyer of the Sportsman's Warehouse store chain. The Rewards are good with an initial bonus of 1000 points and a base/max earn of 1 pt/$1. And you earn points for whenever you buy any sports/hunting gear at any Sportsman's Warehouse Location. When you hit 2,500 points, you get a $25 gift card. The Purchase, Balance Transfer, and Cash Advances are nothing to talk about since they're pretty average. But the good thing about this card is that there's 100% Fraud Protector, $500,000 coverage of Travel Accident Insurance, and Auto Rental Insurance. Comparing this to Walmart's Store Card, it's definitely better with more perks, but the Walmart Card has no annual fee and has discounts on its prices for credit card users.
If you're a frequent customer of AT&T through their many services, then the AT&T Credit card would probably benefit you the most. The Reward bonus for signing up is great with 10,000 points with a base/max earn rate of 1 point/$1. This card basically rewards you with shopping within AT&T and the ThankYou Bonus Center with gift cards and other amenities. In regards to the purchase, balance transfers, and cash advances, it's on par with all the other cards, with only the reward bonus being something different and beneficial to the customer. There's also automatic travel insurance and $0 liability on unauthorized charges. In comparison to Capital One's Quicksilver Cash Rewards Credit Card, the purchases, balance transfers, and cash advances are on par, but the Capital One Card has a percentage based earn and a lifetime 1.5% cash back on every purchase. The $100 signing bonus is a plus too. Overall, I'd get the AT&T Credit Card if you're on a AT&T Mobile Plan to make life easier.
The QuikTrip Gas Card is great if you're on the road a lot. The rewards cater to those that commute; a 5 cent bonus per gallon and you can save 5 cents per gallon on the first 400 gallons. The purchase isn't different from other comparable cards but has a 18% Regular Rate. The downside is that there's no balance transfers, although the upside is no annual fee, and no interest if you pay in full by each due date. In comparison to the HESS Credit Card, the rewards from QuikTrip is lacking due to the 3% rebate on eligible Hess accessories up to $400. Also the HESS card allows for balance transfers and is VISA. Overall, if you're commuting through an area that's filled with QuikTrip stations, then the QuikTrip Gas Credit Card is something to look into.
The Ikea Store Card is a mediocre card that is used for people who often go to Ikea for furniture selection and whatnot. There's nothing new or exciting to talk about this card. You may as well call it a blank card with no rewards, regular purchase rates, no balance transfers allowed, and cash advance fees. There's low monthly payments and no annual fees and online access. Comparing this to the Express Store Card, where you get a base and max earn rate, a birthday gift, $10 reward for every 2,500 points, then you'd see the features lacking in the Ikea Store Card. Truly a disappointment.
The PNC Flex Visa Card is a good card to start out with. The rewards are alright since there isn't an initial bonus, you can earn points with a base/max earn of 4 points/$1. There is no limit to how much you could earn and you're able to redeem points on gift cards and such. This is different from the Capital One VentureOne Rewards Credit card since the rewards deal with frequent flyer miles. The annual rate is average and the grace period is average with 21 days. Although the balance transfer fee is also something to look at with a good balance transfer fee of 4%.
If you're a frequent hotel goer and use the Marriott a lot, then you definitely need to get this card. The initial bonus of 30,000 points after a grace period is coupled with a 6 Free Nights at a Category 1 location. You also earn points from every purchase towards Marriott commodities such as hotels, airlines and more. The purchase rate is alright. The balance transfers is nothing to scoff at, and the cash advance rate is also on par with cards such as the Ink Cash Business Card. The Marriott Rewards Business Credit Card is also great for employees and able to keep business and personal spending separate. In comparison to the Ink Cash Business Card, the Marriott card doesn't have an initial bonus of $200 and 0% introductory APR for 6 months and no annual fee, whereas the Marriott Card has the first year fee , but $45 after the first year.
The Fidelity 529 Credit Card is a great card for American Express. Although there is no initial bonus, the base earn and max earn rate of 2 points/$1 is a good beginning rate. There are no limits and you can have a $50 deposit for every 5,000 points you have. The purchases, balance transfers, and cash advances are average at best. The downside is that there is no online response and the max late fee is average with other cards. The great thing about this card is that there is no annual fee and family and friends can open an account and link to your account. In comparison to the Blue Cash Preferred Card, the Rewards are lacking since the Blue Cash has a initial bonus of $150 and the base/max earns are in percentages, and it also has online response which Fidelity 529 doesn't have.
The Total Rewards Credit Card is definitely something you should check out if you're a gambling person. It has great rewards with initial bonuses and an average base and max earn. The max limit for rewards is 40,000 which isn't too bad and there's some exclusive Caesers Casinos benefits with a 3 point/$1 spent. The purchase, balance transfers, and cash advances are also average as well, and so is the max late fees. So if you're in Vegas, definitely check this out as an alternative, but there are definitely better offers. One card that outclasses the Total Rewards is the Harrah's Total Rewards Card with an initial bonus of a 10,000 credits and the buffet of buffets pass for two people is something you shouldn't scoff at.
The Citizens & Northern Bank Secured Credit Card is definitely a good card to start building credit from. There's a low annual fee and it'll give you a nice overhead of a $5000 credit limit so you can learn the ropes of a credit card. It makes sense that there are no rewards compared to many other cards since this is seen as something for beginners. The Max Late Fee is on par with many other fees but the pros are that there is no overlimit and max penalty apr fees. I'd rather check out the Open Sky Secured Visa Credit Card since it has a lower annual fee and a lower max late fee.