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The GAP credit card is about average for a store card. The interest rate is higher than a normal card but it's on par with my khols card. The bonus points are a nice feature and the extra 10 percent off is also great if your an avid Gap or Old Navy shopper like me. Unlike other store credit cards though this one can be used at multiple stores, The Banana Republic, Gap and Old Navy are my three favorite stores. It also gives you points for using it anywhere else which is something most store cards don't do. This is a decent store card and if you can remember to pay off the balance before the interest hits and it'll save you some money pretty quick.
The NFL credit card is a decent card for a specialty card. If you're like me and buy a lot of things off NFLshop.com then this is the card for you. We bought real jerseys for the family a few years ago and that 20 percent off paid for itself quickly, best Christmas EVER. Even if you don't factor in the NFL discount the interest rate is fair compared to most cards and the bonus point system is almost exactly like my Chase credit card. You do however get the added points for buying things inside any NFL stadium which is awesome. Altogether this is a great card for any NFL fan looking to save a little money and rack up points buying hotdogs at your stadium.
I've had my Staples store card for about a year now and I'm really pleased with it. At first glance I was a little reluctant with such a high interest rate but the cashier told me I would be saving about fifty dollars if I signed up. I did sign up with the intention of canceling it but the next time I went to the store I noticed how many things were on the 5% discount. Almost everything in a staples has the discount if you have your card. The 28 percent interest is high but when you pay it off at the end of the month you just saved a lot money. They also have specials for the card holders all the time. Every couple of months they have buy one bundle of paper and get one free with a limit of ten, great deal. Altogether the interest rate is higher than say my Khols card but you get to use it a lot more and save a little more.
As far a bonus cards go this isn't the best one unless you buy your gas at shell. Around here it's the only gas stations in town so the cards really useful for me. The only great thing about this card is the 20 cents a gallon bonus which is 10 cents more the my Chase credit card gives me. I just make sure to pay the balance off at the end of the month and I'm saving 20 cents a gallon by the middle of the month. So far it's made a big difference in my savings and ever little penny helps right now. When I have been hit with interest it's not as bad as most cards. At 24 percent it's slightly lower than most gas cards and the grace period on payments is a lot more lenient. Altogether it's a good card if you buy at a Shell station.
The First Premier Gold card was one of the first credit cards I ever got an offer for in the mail. I was my first credit card I ever got before I knew any better. The combination of an opening fee, yearly fee and high interest make this one of the worse cards I've ever had. The interest rate of 36 percent is as high as any card I've ever had but then they charge you extra fees. The opening charge of 95 dollars is just a pointless and costly fee. Then they tack on a yearly fee of 75 dollars which is the same as my new American Express card that has a 10 percent fee. All together this is just a bad card and should be avoid at all cost.
The Kroger 1-2-3 rewards is a decent card if you shop at Krogers. Compared to most store credit cards the point system is more than fair and the interest is rate is pretty good. My Khols card has a third more interest and the savings don't even compare. If you do most of your shopping at Krogers any way it is a great way to save some extra money, just make sure to pay it off at the end of the month and your fine. However compared to most point cards it's not the great and a bit limited. Most cards I've seen have a bit higher reward for every dollar spent and aren't limited to one shop.
The Hyatt credit card is a great card. I was a little put off at first when I saw the 75 dollar a year fee after the first year but then I looked a little deeper. Compared to my Capital one card even with a 75 dollar fee it's still a better card. The interest rate is lower at 15 percent and the cash advance is lower then 20 percent and you almost never see that. The bonuses are even better on my Hyatt card. Altogether it makes for a great card that I almost skipped over due to the fee which doesn't even happen until the second year.
The Citi forward card is great. Its just as good as my USAA card but much less exclusive. The 0% interest rate was a nice surprise and even after that the 12% is still really low compared to most cards. The cash advance rate is high but thats just like every other card out there. The bonus points are also nice if that's your thing. The rules for the bonuses are clear cut and make a difference over time. The sign up bonus of 10,000 points was a great insinuative, it's like they handed me an extra hundred just for signing up. All together I was really pleases with the card and use it regularly just for the bonuses.
This is a great card and my second favorite to my USAA card. When I signed up for my Chase freedom card I got the 100 dollar bonus for spending my first 500 dollars. The same day I got my card I used it on my bills and basically got a 100 dollars of my rent by using it. The cash back bonus only tops out at five but with a lower interest rate than most cards I think it's a good balance. I try to use my card when ever I can to save a little money and then pay it off at the end of the month. One great surprise I had was the 5 percent back worked on Amazon and I've never seen a card with that.
I like the Household Bank MasterCard Credit card even though at first glance it's not the best. If you have great credit this isn't going to be your first choice but if your trying to build or rebuild your credit it's the perfect card. The interest rate of 14.99% is about average and it's right in line with my Capital One card. The yearly fee is a little high but it's not too bad when you consider that the cash advance rate is much lower then most. All together I think the negative of the yearly fee is out weighed by the great fetters of the card.
The sign up deal is really good. Twenty percent off your first purchase is a lot higher then most store cards. The best sign up deals I've seen for Kohls or Jcpenney was fifteen and that was during the holidays. The regular interest rate is lower then the average card and that can add up savings quick. I also like the twenty one grace period even though I hope I never have to use it. It's nice to know that they're understanding and won't take you to the cleaners like some other places. The only thing this card falls short on is it's reward program. It's a little low but if you were going to spend money at Coldwater Creek anyways you might as well save a little extra when you can.
JCPenney store credit is a great card if you can deal with paying off the balance right away. The interest rates are high but so are the savings. I shop at JCPenneys all the time and signed up for this card about a year ago. I use it every time and turn right around and pay the balance off. Its basically free money and hasn't had a negative impact on my credit report. However not carrying a balance don't have a positive impact either. If you can remember to pay the card off its a great card to have and the savings have easily paid for the extra time I spend paying it off right away.
I originally singed up for the Kohl's card for the discount and I still get great discounts every time I use it. I have had it for more then a year and use it about once a month some times more. It really helps me save as long as I turn right around and pay it off. Its worth the effort though. A few extra minutes each time I go shopping and I can save thirty of forty bucks. They are very lenient with your credit score, mine wasn't great when I got it but it was approved instantly. Over all I say its a great card.