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This is a fantastic card if you shop at Kohl's regularly. I for one shop at Kohl's quite frequently due to them selling goods in various departments and specialties. Some of the best features of this card are the constant discounts that you can save from on clearance items. Overtime, you can save up to $20 - $50+ per trip when you shop at Kohl's. Because they offer numerous sales and promotions originally, when you have an additional 15-30% off on top of that, getting the Kohl's store card might actually be beneficial. Of course, mileage may vary for some people. For instance, the people who don't shop too often at Kohl's might not find it too useful. Another disadvantage would be that if you don't go during the promotion period, you don't really get anything. Finally, one last disadvantage is that there isn't any store rewards program. Something like the Macy's store card at least gives some store rewards via cash back after 2000 points. I would think that if you shop there loyally, you should get something in return. However, I suppose the additional discounts would be enough at Kohl's. After all, you are saving quite a lot as it is.
One of the first things that catches the eyes with the Visa Black Card is the annual fee of up to $500. Although other annual fees aren't that much different, the annual fee compared to the actual benefits of the cards don't balance out. Nevertheless, it is still a rewards card, and those who spend a lot of money will end up getting a lot back. One of the best features is the bonus 25,000 points if you spend $1500 in the first 3 months. I for one spend more than that in 3 months, so it is essentially a free 25,000 points. This might actually balance out the annual fee for the first year. Other great features include the complimentary membership to the VIP program. Because the locations that this is offered in are fairly vast, this is a feature that can definitely be used. Overall, the best and consistent feature will probably be the 1 point for every dollar spent. Cash back programs are some of the best features on cards as they make you feel you are getting something back when you spend with that credit card. The Visa Black Card is a decent credit card that has some redeeming offers, but not that many features to make it stand out above the rest. Another card that I find to be more efficient is the Chase Freedom that has no annual fees and has more reward offers.
For someone who likes to shop at The Limited, I would think that this card would be fantastic. Special benefits such as 15% off on the first purchase after getting the card, birthday bonus discounts, and free pants hemming can end up saving a lot of dollars. However, a lot of the benefits are very similar to any other department store card. Most store cards have their own form of points system or store credit rewards. The Limited Store Card isn't any different. I would definitely recommend this card for anyone who shops in this store frequently; that way, card benefits can be taken advantage of such as the hemming and rewards. However, if you don't shop at The Limited often, i would suggest a general department store card. I may suggest a Macy's card as it tends to offer a variety of other features such as the ability to make it a credit card for outside store use. Overall, the Limited Store Card is great for loyal customers.
After considering it for a long time, I got the Chase Sapphire card and I have to admit, it has been one of the most versatile and efficient credit cards around. This card is perfect for people who tend to travel as you can earn points that can be allocated towards travel fares. There is NO annual fee for this card and you can EARN POINTS. That alone makes this card worth it. The APR is standard: not too high but not that low. Overall, this is a fantastic card and this will be in my wallet for the coming days.
For the people who regularly shop at Nordstrom, this credit card is extremely useful. Because the price point at Nordstrom seems to be higher than other stores, the rewards points will build up extremely fast. You receive 2 points for every dollar spent and for every 2000 points earned, you receive a $20 gift card for Nordstrom. You also get the benefit of earning 1 point for every dollar spent that is spent OUTSIDE of Nordstrom. Therefore, you can receive even more benefits for gift card credit points. Overall, this store card is most useful if you shop at Nordstrom a lot. If you don't, it would be better to look elsewhere.
The Chase Slate card was the first credit card that I opened and it has been one of the most versatile and dependable cards I have had. The biggest advantages of the Chase Slate is the 0% intro APR for 15 months along with the no annual fees. I started with a very good credit limit of $1500 and I was able to build that up year by year. Though the Slate card doesn't reward you with points, I haven't had any issues with fraud, declines, or any other problems with credit card use. Also, Chase customer service has always been helpful and very responsive. Overall, a great credit card.
Chase Freedom has one of the best rewards program to date. I have been using the Chase Freedom card for the last couple years and I have nothing but good things to say. First of all, you get points on every purchase you make. Second, you get bonus points if it is in the bonus category. Every 3 months, there will be a bonus category (e.g. gas purchases, Amazon purchases, restaurants, etc.) and you will get 5 additional points for each dollar spent. This is far superior than other credit card brands. Plus, there are no annual fees and the APR is within a reasonable range. I have been cashing in my rewards every other month and they can be a pretty decent amount, especially if you are paying bills with the card. The Chase Freedom card is great for the average user, the heavy spender, and even the credit builder. You won't regret this card!
One of the greatest things about the First PREMIER credit card is that it allows you to bring your credit score right back up. A credit score that isn't the best can be revived by careful spending and usage with this card. Because the First PREMIER card reports to the credit reporting agencies automatically, with this card, you can rebuild your credit to a steady level. However, the biggest issue I have with the card is the high processing fee. It is possible to pay it off overtime, but the amount is ridiculous. It's understandable that a credit score can be low so the credit company has to keep your rates a little higher, but other credit card companies don't spike the rates to take advantage of you. Nevertheless, because most of us are getting the card due to lacking credit, we are required to pay a little extra to rebuild our credit.