+ 100% FREE
+ Unlimited Credit Reports
+ Unlimited Credit Scores
+ Credit Monitoring Protection
+ Credit Improvement Tips
+ Automatically Finds Savings
No credit card needed
I was excited to sign up for the Citi Hilton card because of the two complimentary night stays. I've used the card many times and have only had pleasant experiences. My husband and I travel throughout the year to see family so our points accumulate pretty quickly between rental cars and hotel stays. Although I've only had minimal contact with the service representatives, the woman who handled my change of address over the phone was cordial and prompt. Citi's website makes it really convenient to make payments and keep track of purchases. If you do a lot of traveling, I'd recommend the card.
I signed up for the BankAmericard in August after closing a different credit card. The BankAmericard has proven to be pretty simple to use since it has a minimum blanket cash back rate. I don't have to coordinate my purchases with this card since it honors all of them. In addition, the card earns higher rates for gas and groceries, which is a huge incentive for me. In my experience, the initial credit limit given was relatively low, but I'm hoping to increase my limit with this card over the next six months. I've also received plenty of mail briefing me on the terms of the card and its rewards so I can attest that the information given is comprehensive.
My husband and I decided to get the Hyatt credit card after realizing how much we travel to see out of state family. We were so ecstatic about the idea of getting a couple of free stays at the hotel as part of the sign up deal that we didn't pay attention to the fact that the hotel is a far drive from where most of our family lives. We don't use the card as often as we had expected to, but our experiences with it have been positive. The company honored our free stays, and customer service was helpful in answering my questions about the reward system. We hope to get more use out of the card this holiday season!
I signed up for the Chase Freedom card back in college just to get my credit going. I've used the card for over four years now. I haven't had any negative experiences with Chase other than they were a little slow to increase my credit limit. The terms of the card were easy to understand so I didn't have to play the game of having to figure out which credit card to use for gas and groceries. The Chase card is simple and it makes me life a little easier. They don't send a lot of paper mail either, which is great for the environment.
I got the Capital One card after realizing that the rewards program was better than my other cards. More importantly, the terms of the card are pretty easy to understand. I've had this card for a little under two years and I'm satisfied with Capital One. My credit limit was increased a few times without my having to make a request so I was pleasantly surprised. The company does send a lot of mail so I ended up turning off paper statements to reduce the bulk that I was receiving from them. I plan to continue using the card until a better rewards program becomes available.
I've had the Discover More credit card for about a year now and I've had positive experiences so far. The card is accepted at most retail stores, which is a far cry from some of the credit cards I had in the past. I had a fraudulent charge on the card after making some online purchases, but I contacted Discover to dispute the charge and they promptly sent me a replacement. The website is also pretty user friendly, which is convenient because I don't like mailing payments. I've only had to call the company a few times since most of the questions I had were addressed on their website, but the service representatives were helpful and didn't hard sell any other products. Overall, I'd recommend the Discover More card.
Overall, I can say that I'd be hard pressed to find a better card provider. I've been an American Express customer for almost two years and I haven't had a single problem with the company yet. Every time I contact them with an inquiry, the waiting times have been short and the customer service representatives have always been professional and helpful. When I was still in college, I lost my card at a football game and American Express immediately closed the previous card and sent me a new one, which arrived within a week. They don't seem to be interested in setting gouging interest rates either; they seem to be interested in having good long standing relationships with their customers.