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The Chase Slate card isThe Chase Slate Credit Card is an excellent addition to any wallet; particularly if you have a credit card where the interest rate is anything over 7 percent. The Chase Slate card offers an amazing 0% balance transfer for 15 months. On top of that, there is absolutely no fee to transfer your balance from another credit card. The Chase Slate card also has no annual fee, which made it a no-brainer choice for me when coming over from one of my first credit cards that had a rather small balance but a super high interest rate and annual fee to match.
Let me just begin by saying that Capital One's Quicksilver Cash Rewards card is one of the better rewards cards that I've owned. The fact that this card offers cash back on all purchases and on ever-changing categories like my Discover card, make it incredibly valuable. This card of course isn't without its caveats. The only thing that really bugs me about this card is its relatively low cash back rewards amount; 1.5% is OK, but it's not excellent. Overall, I'd recommend the Capital One Quick Silver Cash Rewards card if you're looking for a "catch-all" rewards card that have category restricted rewards.
This was one of the first cards that I acquired when beginning to build my credit. The thing that was most interesting about this card was its initial No Interest term offering. I had already had a a Capital One Platunum card with a pretty low interest rate, so I was already pretty familiar with Capital One's inner workings. The rewards that I receive on this card are outstanding! I use it for pretty much everything and pay it off on a weekly basis. I've received regular credit limit increases every 6-8 months, and the few times that I've requested them.
The Walmart Prepaid Card is a great card for those who currently credit challenged, or who just need a holdover as they rebuild their credit scores. The Walmart Prepaid Card offers users the options of both pin based and signature based transactions. One of the best features of this card is that you're not charged an activation fee. The card does come with a pretty standard monthly free for prepaid cards, but the good news is that this fee can easily be avoided by loading at least $1,000 a month onto the card.The Walmart Prepaid Card fails in comparison to the American Express Serve Card which charges no monthly fees, and even allows free ATM transactions.
The AAA Member Rewards Credit Card has one of the best rewards hierarchies of a credit card, offering up to 3 points per dollar. This reward system doesn't exactly compare to cards from issuers such as Chase Bank or One who offer up to 6 points per dollar spent, but it's still decent. The interest rate on the AAA Member Rewards Credit Card isn't one of the best in the industry, but it will suffice for anyone looking for a general use credit card. If you're the type of individual who takes out frequent cash advances on their card, the AAA Member Rewards Card might not be for you as it has a 22.99% base cash advance interest rate.
For those lacking a decent credit card, or checking account with a debit card attach to it, the KAIKU Prepaid Card can be a pretty good alternative. The KAIKU visa card accepts both pin and signature based transactions, making your purchasing both secure and efficient. This card has access to over 55,000 free ATMS, which can be super handy when you're out and about and are in a sudden need of cash, most prepaid cards and debit cards only access to a much more limited number of free ATMS. The one downside to this card, in comparison to something like the American Express Serve Card, is that it charges a monthly fee for usage. The KAIKU Prepaid Card is a great option for those who don't have, or don't want to use credit/debit cards.
Like most store cards, the Tire Kingdom Store card is a no frills card that best for those just starting out with building credit; there are definitely much better options available for those who are more established. The Tire Kingdom Store card has a criminally high interest rate of 28.99 making this card look a lot like the ones from the First Premier Bank lineup. The card does offer a 12 month no interest period for the first year, which makes the idea of such a high interest rate more bearable. One of the best things about this card is that unlike a lot of other credit issuers, you're not charged an over the limit fee if you happen to spend a bit more than you have available. Overall, I wouldn't recommend this card for anyone who has any type of established credit.
The Discover Matrix Credit Cards is one of the worse cards that anyone could sign up for. This card has an atrocious purchase interest rate at 29.99, with a cash advance APR of the exact same rate. On top of the extremely high purchase and cash advance interest rates that this card charges, it comes with an insanely high annual fee of $75. Yet still, this card has a monthly maintenance fee of $12, $144 a year, that is charged whether you make purchases during a billing cycle or not. Essentially, with the Discover Matrix Credit Card, a typical card user is paying $219 in annual fees per year, and suffering with one of the highest credit card interest rates in the country!
The Ann Taylor Loft Credit Cards provides a respectable rewards program, offering 1 point per dollar spent on everyday purchases, and up to 5 points per dollar on qualified purchases. Unfortunately, the rewards on this card typically don't compare to something like my American Express Blue Cash Preferred card which offers up to 6% cash back, with extra cash back on gas. The Ann Taylor credit card charges no annual fee. The interest rate for the Ann Taylor credit card is absolutely awesome at a base of 24.99, it's definitely not the card to use as your daily driver.
The Priceline Credit Card offers a large amount of bonus points to start off one of its new card holders, a pretty rare find among credit card issuers. The rewards system is one of the best, offering up for 5 points for each dollar spent on purchases. Another big positive about the Priceline Credit Card is that it does not charge an annual fee. The interest rate for this card isn't one of the best in the industry, ranging anywhere between 14.99% all the way up to 21.99%. The cash advance rate is awful at 25.24 compared to what other cards offer.
One of the worst things about the Capital One Cash Rewards Cards for Newcomers is its interest rate. At 24.9%, this card is definitely not the one you would want to carry any sort of balance on. The penalty APR on this cards makes things even worst at nearly 30%. This card does have a great rewards program that doesn't put any sort of annual limit on the amount of rewards point that you earn. The travel purchase rewards on this card are some of the best in the industry, giving you 2% cash back on any travel purchases. Overall, if you can avoid carrying a balance, the Capital One Newcomers card is a great start to begin building credit.
The BankAmericard Power Rewards Visa Signature Credit Card is one of the best rewards on the market, and closely in line with some of the worst. Starting with the bad. This card has an unreasonably high cash advance rate. The normal interest rate for the Power Rewards card is very high compared to most other rewards cards; I currently have it with a 16 percent interest rate, but the rate can vary anywhere from 12.99% all the way up to 22%. The great thing about this card is its rewards system, and the sign up bonus. The requirements to receive the sign up bonus was very reasonable, and you can earn an unlimited number of rewards points that don't expire. Overall, the BankAmericard Power Rewards Visa is a great credit card once you get over its pitfalls.