+ 100% FREE
+ Unlimited Credit Reports
+ Unlimited Credit Scores
+ Credit Monitoring Protection
+ Credit Improvement Tips
+ Automatically Finds Savings
No credit card needed
I've been using this since 2008 and have been satisfied with it. I travel a lot and rent many cars, so I have earned a lot with the Orbitz card and getting 3 points per dollar I put on this card. I earn a point for each dollar on other things I put on the card, and the best part is I can earn as much as I want, and the points don't expire. I have used many of my points for booking vacations and other travel. I also save up all year until Christmas, and then us it to purchase gifts or gift cards in order to maximize what I can get. I also really like Capital One's web site for tracking and viewing my spending history. This is probably the main reason I still use my Capital One Orbitz, and use it for the majority of my monthly spending.
I got this card for my teenage son to use. I figured this would be the safest way for him to have access to an account for emergency purposes, and unlike my stepson did with his debit card, he can't exceed the limit of the prepaid amount. I was a bit concerned about the fee, but after figuring my stepson had more than $450 in overdraft fees in ONE year, it seemed very reasonable. It was really easy to get the card, and because they do report to the big 3 credit reporting agencies, he is already building some credit, which is VERY hard for a teenager to do nowadays. I do wish there was a way to login to the account online, which would help both of us to track his expenses, but so far that has not been a problem. We've been pretty pleased with it to date.
I travel quite a bit for my job, and usually stay at Marriott hotels. I knew I should get a card that would allow me to earn really good rewards and free stays, so I applied for this card after a co-worker recommended it. The initial reward after I was approved was really nice - the best I have ever gotten. I actually used the free night I received within 2 weeks of getting my card, for a quick working-vacation trip. The points can accumulate very quickly when you use this card for everyday purchases, and I have quickly earned enough points for high-value rewards. Their customer service is fantastic, and anytime I have called I have been treated as though I am their most important customer, something I appreciate given the business industry I am in. I highly recommend this card for frequent travelers, and even the infrequent traveler.
I truly have had nothing but problems with this card. My credit is excellent, and because I have used Wells Fargo for other accounts and been happy with them, I thought it would be good to have my accounts all with one bank. The customer service is non-existent, and I have had trouble with my credit and debit card purchases being properly credited toward my Cash Back money. Whenever I have called to inquire about certain purchases not crediting correctly, I get a run-around and different answers from customer service, when I can get someone on the phone. I was actually placed on hold twice for over 15 minutes each time. The interest rate on these cards is not that great, but I pay in full each month so that does not affect me. There is no annual fee, which is good, but I think nowadays that should be standard, since they make so much money off of other fees. As long as it doesn't hurt my credit score, I'm seriously thinking about closing this account and changing to another cash-back card elsewhere.
This was the first (and now, only) airline miles card I ever had. I was really skeptical on how hard it would be to use and earn miles, and then of course, trying to redeem them. A friend of mine in my business had recommended it, since we all travel quite a bit. I knew I had to get something, since I felt that I was missing out because of how often I fly. So I applied, and started earning even before my first trip. They automatically credited my account with 12,000 miles, and from then on, I was hooked! Since I use this card for a lot of everyday purchases, my miles added up fairly quickly. The redemption was fairly easy also. I anticipated a lot of red tape and hassle, but that wasn't so, and I was able to book flights with the miles almost as easily as I book my regular business travel flights. I like that it also has no annual fee, which has always been a little pet peeve of mine when credit card companies charge that to good customers. I highly recommend this card as THE way to earn and redeem your airline miles.
This was one of the credit cards I got after my divorce. Almost all of "our" credit had been in my ex-husband's name, so establishing credit on my own was something both my parents and my lawyer suggested I do right away. In the industry I work in, I knew a lot of people used American Express, so I looked them up online and decided to apply. I knew what credit I had was already very good, so the application process was very easy. I don't like filling out forms online, so I called and spoke to a Customer Service Rep, who was very helpful. I did have to wait on hold for a while, but once on the line, he (I don't recall his name) was helpful and listened to what I needed. I received the application and packet in the mail later that week, and after returning everything, was approved almost immediately. I was very pleased with the introductory rate of 0%, and decided to make some needed purchases for my new home, which would not only help me establish this credit on my own, but give me a chance to pay everything off while still using the 0% interest rate. I now use this as my "everyday" credit card, and all of my gas purchases. I try to pay it off in full every month, but when I do carry a balance, my interest rate is much better than the other card I have.
I have had great customer service with this credit card since I got it about 4 years ago. Not long after I got it, and I had not even used it yet, Capital One called me to say that they had received a request for a money transfer. Since the names did not match up, before they paid out they wanted to be sure that I authorized this transfer. I had not, and whatever was being done, was done fraudulently. I was so worried that someone how my credit history and this account were now compromised, that I was very reluctant to continue with Capital One. A supervisor called me back and assured me that this card number was going to be de-activated, a new card issued, and I was going to get free credit report monitoring, on Capital One, for 3 years. It was reassuring to know that they stood behind their credit lines, and were doing this for me even though I had yet to have any credit posted to this account. I received my new card via FED-X (no charge to me), and nothing has ever shown up on my credit reports in regards to that money transfer, or anything else. It has been reassuring to know I can use this card anywhere, and if by chance it gets into the wrong hands, I am protected. I'm not sure that every credit card would do that.
This was the first credit cards I ever had after my divorce, and I must say how pleased and rewarding it has been. There is the first card I ever had in my own name, and although there is a $4.95 monthly fee, that is more than worth it to me for the peace-of-mind I have. No one besides myself knows it is a prepaid, and I never have to worry about whether I have the funds available for a purchase. I just have my paycheck loaded onto it, and I'm good to go. I have talked with customer service twice since I have had the card, and they have always been very professional and helpful. There was one time when my balance did not match up with what my deposit had been, and they were able to resolve the issue right away (it was an error at my employer's, not with Chase). An additional benefit is that there are so many Chase ATM's around my area, I never had to worry about paying a fee at an ATM. I couldn't say that with my other bank, who seemed to be making money off fees hand-over-fist. I honestly can say that Chase Liquid Prepaid Card is my lifeline, and I'm so glad that I have a card with such a good name in banking.