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I love the Citi Diamond preferred card. It has many great perks and offers. I have overall good credit and am not sure if it's right for someone who is just beginning to build their credit, but I love it so far. They have a long drawn out intro period, which is hard to come by these days and the rate for that intro period is ZERO! I was so happy to hear that. This counts towards purchases and balance transfers. The cons of this card are hard to come by. I would recommend this to anyone. Have fun shopping with Citi!
If you have excellent credit and love rewards then this is the right card for you. Your search can now end. There are so many programs and rewards with this card that it is hard to count all of them in one review. All I have to say is get this card. I was so thrilled at receiving a free 2 night stay, after I unknowingly qualified. You can redeem points for almost anything, for example you can choose between airline miles, travel or hotel stays. This card is great for anyone who loves to have a great time. Highly recommended.
The Household Credit Card is an overall good card. Very basic. I used it to build my own credit score. MY annual fee was 35 bucks, but it differs, apparently. Yes, this card is accepted at many locations as mentioned in the description. I don't think I ever had any issues with that. The late fee is 35 bucks and the overlimit fee is 25. That's not a very gracious rate in my point of view, but we're talking credit cards. There are pretty much no perks or offers with this card, not even an intro rate. I would only recommend this to people who are desperate.
The Ann Taylor Loft Card is a pretty basic store card that offers many things that other store cards offer. There are a few bonuses I enjoyed when I first signed up for example, when I first got my card I got 15% off my first purchases. This is a nice bonus. There is also a points system where you get one point for every dollar you spend. I also enjoy this benefit. The fees are standard; a horrible 35 dollar late fee along with bad, but all too common interest rates that exceed any rational point the company is trying to make. Overall a good card that I would recommend to any Ann Taylor fans out there.
I have a BankAmerica Cash Rewards card and I can not think of very many things that stand out about this card. Everything is pretty average. There is a twelve month intro period with a good intro rate of zero percent, but that is a common offer these days. After that 12 month period it can from 12 to 24 percent. I do however enjoy the cash back program they have with this card. If you spend 500 bucks in 90 days, you will get 100 dollars cash back . That was something I really liked. There are little things like the foreign transaction fee that I do not like. Little things like that can add up. Overall a very decent, but average card.
As we can see from the website, this card has apparently been discontinued. The reasons are obvious. With high fees, such as the annual seventy five dollar fee, as well as the 29 percent purchase rate, it's no wonder they cancelled this card. There are basically no rewards programs with this card and I don't even know why I bothered to use this card. I should have frozen it or cut it to pieces when the offer came in the mail! Horrible card and I would not recommend this card to anyone. The fees are high, the customer service was also bad. I once called in asking a question and I had to sit on hold for over an hour and a half.
I love the AAA card because it is unique and really stands out from the other cards. There are so many rewards programs and benefits for using this card, that it's hard to see why anyone wouldn't! for instance, for every dollar you spend on gas or food or even at a drug store, you earn 2 points on their rewards system. I think that is awesome. You can also earn 1 point on your purchases elsewhere. So basically, wherever you use this card, you will be earning points that count on their rewards system! The downside is that their rates are rather high. The cash advance rate is somewhere in the mid twenties. I find this a very bad rate and extremely unattractive for consumers like me. Overall, good card!
Wow! I have had such a great experience with my Walmart card. It is very useful for those of us who shop at Walmart. To have a Walmart card, there are not very many requirements. You do not need a bank account and they do not require a credit check. You can pretty much use it wherever MasterCard is accepted and you can refill it whenever you want! The monthly fee is only three dollars, but that changes if you load up the card with a thousand bucks, then there is no monthly fee. This has a lot in common with most other prepaid cards, but I still enjoy this one more. I find it more easy to use and accepted more widely than other prepaid cards. I would recommend this to anyone looking for a prepaid card!
The American Express Gold Card is an overall great card. It is very easy to use and is accepted in many, many places. In fact, there hasn't been a place I have gone where it has not been accepted. One of the things I liked about this card was the zero dollar introductory fee! Wow. That was one bonus that I have not seen in many other places. There are so many benefits to having this card. Having an American Express is a privilege nowadays and I can easily see why. The only downside I have found with this card is that I have to pay off that balance in full at the end of each month. Although it does keep me on my toes and keeps my credit report up, it is a con for me.
This card is amazing. Everything about it is great. It seems to be a basic prepaid card and is very easy to use. You will never have to worry about late fees or overdraft fees, considering it is a prepaid card. The Western Union Prepaid Card had absolutely no activation fee, which is great. There aren't any fees if you want to buy something, either. Another positive thing about this card is that the monthly fee will be waived if you make a 100 dollar deposit. Who wouldn't love the Western Union Prepaid card? I use it on most of my purchases,
The Sony card from Capital One is a pretty good card. I've enjoyed making many nice purchases with this card. It provides an ease of purchase which makes the shopping experience that much better. The best things about the sony card is that the interest rate is so low compared to most credit cards. 14 percent is not bad at all for a store card. The bad part about this card is that the penalty APR is pretty high. All in all, a good card. I would recommend this to anyone who loves Sony. This card is definitely for those of you!
If you love shopping at Lowe's, you'll love having a Lowe's Store card. This card is better than other cards such as the home depot store card, in my own opinion. Although the rate is much higher at 24%, the rewards program is better. It's a trade off you have to be willing to make. The few things I do not like about this card are the thirty five dollar late fee and the fact that there is no special intro rate for customers. With a few perks, it's worth it to own one of these cards if you make frequent trips to Lowe's.
This card has been really helpful to me as I am currently doing many home projects. IT was worth it to sign up and see what rewards I could get by using the Home Depot Store Card. There is a high interest rate of 17.99 percent, but that is not to outweigh the good sides this card has to offer. It will help you have an easier shopping experience. It is very useful to those of you who enjoy the home depot's low pricing. I would recommend this to anyone who shops here. Although I do not know of any rewards program, I still enjoy having this card at my disposal.
The Gap Store Card is very practical for those of us who love to shop at the Gap. There is a generous grace period and no overlimit fee. Just like the Banana Republic card, this card offers five points for every dollar spent. The good thing is that once you get to 1000 points, you'll get a ten dollar reward card. This can happen really fast and add up quickly if you shop a lot. There are also options to upgrade from this card to another, which is great. The only thing I don't like is the thirty five dollar late fee.
I absolutely love shopping at Banana Republic. With that being said, you can imagine that the Banana Republic Credit Card is just perfect for me. Yes, it is a typical store card, but there are also perks to it. There is a 5 point reward for every dollar you spent. If you love shopping, this will add up quickly and before you know it you'll have a ton of rewards points at your disposal. There is no overlimit fee as well as no penalty APR. I do not like the thirty five dollar late fee. Other than that, I think it is a great card for a shopaholic.
I think the Belk Store Card is good for most people who shop here. There is a good rewards program and it is pretty efficient for most shoppers like myself. After you get 400 points, you will receive a ten dollar rewards certificate. I love this aspect of the card. In addition to the rewards, there is no max overlimit fee as well as no max penalty APR. The grace period is average at 23 days, but it works well for me. The one thing I'm not too fond of about this card is the thirty five dollar late fee.
I love the Victorias Secret Credit Card because I often make purchases at Victorias secret. Along with great credit card discount offers, you will receive a lot of coupons in the mail that are exclusively for shoppers who hold this credit card. I feel exclusive and important having this card. There is absolutely no over limit fee, which is awesome. There is also no penalty APR. This is very helpful for a shopper like myself. The grace period is good; 25 days. This is one of the positive things for me. The only thing I don't like, and who does, is the thirty five dollar late fee. I would recommend this to anyone who shops at victorias secret!
This is a great card for anyone who frequently shops at JC Penney. The JC Penney Store Card is a way to save money on large purchases. It is also usually an easier and quicker shopping experience if you hold this store card. There is a practical bonus point system that I enjoy. For each dollar you spend, you earn one point. You also get 10% back. This is good compared to other store cards. The only things I don't like about this card are the late fees and the relatively short grace period. I would recommend this to people who shop at JCP a lot.
This card is for people who regularly shop at Express. The Express Store Card is useful if you make large and frequent purchases at any express stores, or even online. There are very few fees associated with this credit card, which is nice for a change. I like the fact that there are rewards programs for people who hold this card. You basically get 15 points for every dollar spent. This is a relatively good rate compared to a lot of other retail store credit cards. I would highly recommend this card to any Express shopper who is looking to make savings in the long run.
I really like the Chase Sapphire Preferred Card. I use it for daily purchases. Although this card has many upsides, such as ease of usability (it is accepted at most places I go to), there are a few downsides. The grace period is only 21 days. I have had cards with grace periods up to 30 days, so 21 just doesn't cut it for me. Also, the max penalty APR rate is a bit high. All in all, a good card. Not the best though. I would recommend it to those still in the process of building a good credit report.
This is a basic rewards card. There is not much that is special about this card. Here are a few of the things I liked: I like that they have a grace period that is 25 days. For me that is pretty flexible. I have had good experiences regarding their grace period. Also, I like that there is no overlimit fee and no max penalty APR. This is pretty helpful for those of us late on payments. The Wells Fargo Rewards Credit Card is a safe bet for anyone. One of the downsides, however, is the late fee of thirty five dollars.
The Capital One Mastercard is not too great in my experience. It was my first credit card, but I still use it occasionally to build my credit. The thing I hate the most is the annual fee. The late fee is pretty bad as well. It all adds up if you miss one payment. There is also no max over limit fee. The good thing that is if you were like me and needed any card to build credit, then this could be the one for you. You don't need to have good credit to apply. Other than that, go search for a better deal in another credit card.
The Sam’s Club Business Card is not my favorite. Out of all the cards I own, I probably dislike this one the most. There are a few downsides to using this card. First of all the cash advance fee is a minimum of five dollars. I don’t how many other people often use cash advance, but I do, so this really bugs me. Secondly, the late fees and overlimit fees are too high for my taste. The few good things about this card are, one, there is no annual fee, and two, they have a nice rewards program. Really weigh the pros and cons before opening a Sam’s Business Card.