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The AT&T Credit Card has some very attractive rewards available for select people. This card is geared to benefit those who purchase AT&T products and services or currently use them. The discounts are of a great value and the rewards for basic purchases are pretty typical. If you’re not a big time AT&T customer then I would not recommend this card for you. I have the Quick Silver Card which gives me 1.5% cash back on everything with no cap. Cash back cards with better APR’s are the way to go.
The Capital One Venture Rewards Credit Card offers some pretty attractive rewards for those who travel frequently. The purchase bonus during the first three months is quite generous. It does carry an annual fee of $59 after the first year, but considering the value of the rewards it’s really not a big issue. I have the Quick Silver card and I love the rewards that Capital One offers to its customers.
I am not that impressed with the features of the American Express Green Card. Its rewards only offer one point for every dollar spent which is below many of the current offers on the market. I have the Capital One Quick Silver card and I earn 1.5% back on every dollar spent and I don't have to pay an annual fee. The AMEX Green Card does not have a spending limit, but you are required to pay off your balance every month. The one upside is its fraud protection guarantee which does help protect the consumer against fraud. Aside from that, I would say there are much better options available on the market.
The Citi Simplicity Credit Card has excellent balance transfer offers of 0% for 18 months which is great if you're looking to pay off high interest credit card balances. I currently have the Citi Bank Dividend and they have similar balance transfer offers which I think are some of the best on the market right now. Furthermore, there are no late payment fees, over limit fees, or APR penalties with the Simplicity Card. There are no cash rewards with this card but that's okay because you're getting great APR's and balance transfers which will save more than any rewards program.
The Capital One Platinum Credit Card is a very basic card with not many features. The standard APR is rather high compared to other cards on the market. However, the Capital One Card does benefit those with a limited or not so great credit history. For individuals who fall into this category this gives them the opportunity to prove their credit worthiness and qualify for better cards in the future. If you’re a college student with a similar background there are better options available. When I was a student I had a limited credit background and I was approved for the CitiBank Dividend Card, which offered 15.99% APR and no annual fee. Nonetheless, I do see value in the Capital One Platinum Credit Card if used wisely.
I have never been a huge fan of pre-paid debit cards mainly because of start up fee's and transaction fees. I really like the features of the KAIKU Visa pre-paid card. The Visa logo makes it convenient to shop at all major retailers, and there is not a required minimum balance as is with the case with certain ATM cards or checking accounts. I really like that you can send money to other KAIKU cardholders with no transaction fees. This makes lending money to loved ones very easy and convenient. This is great for those who want to get away from the restrictions of a traditional ATM or Checking Account.
The JCPenney Store credit card offers many rewards and promotions especially if you do most of your clothing and apparel purchases there. The reward certificates are a nice perk and it gives you an incentive to buy. The rewards points are pretty standard but I don't like that they expire at the end of the month. My CitiBank Dividend card has similar rewards earnings but my points never expire, so I never feel rushed to use them. My father has had a JCPenney Store Card for over 10 years and they do value loyalty and give you extra perks. If you love to shop at JCPenney this card has a lot to offer and can provide a lot of savings.
The BankAmericard Cash Rewards card does offer some attractive rewards, but I do feel there are better rewards programs out there. The 2% and 3% cash back for groceries and gas purchases limits you to the first $1500 purchased, which can be reached in two to three months. The $100 bonus is nice and may make this card more rewarding for the first year only. I currently receive 1.5% cash back with my Capital One Quick Silver card which will earn me more cash in the long run. The balance transfer offers and yearly APR’s with the BankAmericard are similar to other credit cards. If you’re not a big spender with your credit card then I would definitely recommend BankAmericard.
I would say that the Belk Store Credit Card does have a couple nice features that someone could benefit from. The initial 15% discount for opening an account is a nice incentive for consumers, and the reward points are decent especially for a store credit card. The rewards I receive from my CitiBank card are not as good as the Belk Card. This credit card does not have an annual fee which doesn't impress me to much because many cards offer the same. My main concern is that the APR is a bit high so you definitely want to make sure you pay that balance off each month, otherwise your just paying back the rewards you receive. All in all the Belk Store credit card is pretty similar to others, but I would consider it a reasonable choice especially if you’re a big time shopper at Belk.
I have had this credit card since my college days. That was 10 years ago and I am happy to say I have been very pleased with this credit card. Citi Bank was the only company that gave me a chance as a young adult to build up my credit. Over the years I have received frequent credit line increases, low APR’s, and no annual fees. They also have great balance transfer offers which have helped me immensely during tough economic times. There cash back program caps you at $300 but that’s still a fair amount of money to receive just for using your credit card. I recommend this card to all college students who are looking to get a jump start on building a solid credit history.
I applied for my Capital One Visa card about nine years ago and they were the first company that approved me for credit. During these nine years I have been very satisfied with the rewards program, the customer service, and the balance transfer offers which have really helped during the recent recession. I use my Capital One card for virtually all of my purchases and this helps me build reward points. Aside from that, my online account allows me to sort my purchases by category making it very easy to track my spending and make budgets for myself. Whether you’re a seasoned credit card holder or just a newcomer Capital One has little something for everyone. You will not be disappointed.