+ 100% FREE
+ Unlimited Credit Reports
+ Unlimited Credit Scores
+ Credit Monitoring Protection
+ Credit Improvement Tips
+ Automatically Finds Savings
No credit card needed
The Slate from Chase credit card is a mediocre credit card at best. There are no incentives to get the card in the first place, except for the 0% APR introductory offer. There are no rewards or cash back offered with this card, and the standard APR on this card is about average, from about 13 to 23 percent. The great things about this card are the no annual fee, and that it is backed by Chase bank. Also, the 0% APR offer lasts for the first 15 months, whereas a lot of other credit cards only have the introductory offer for 12 months. All in all, the Chase card is mediocre unless you want a card to take advantage of the no interest introductory offer, or don't have the option to get a rewards card based on your credit.
The Best Buy Credit Card is a great credit card if you are a regular customer of Best Buy. They don't have the cheapest prices in town, but they reward their customers well with this credit card. First, the introductory APR is very good, and some purchases are eligible for up to 24 months of no interest financing, which is hard to find on general electronic purchases. And even after the introductory APR is over, the standard APR is just under 18% which is very good for a store credit card. The rewards program is also very good, and essentially equates to about 5% cash back. Also, there are different tiers of the credit card given out, so you'll most likely be approved regardless of your credit worthiness. All in all, the Best Buy credit card is a very good credit card if you're a regular customer of Best Buy and can take advantage of their long term financing and rewards plan.
If you are a regular shopper at Old Navy, Gap, Banana Republic, etc, the Banana Republic Credit Card would be a great credit card for you. The interest rate is a bit high, but that is comparable to other store credit cards I have. The best thing about this credit card is the rewards program. You get 15% off of your first purchase, five points for every dollar spent at these stores, and a point per dollar spent anywhere else. The points can be redeemed for gift cards, and the point threshold is pretty low. The only downsides are there are no introductory offers besides the 15% off, and the APR is kind of high, but they are excusable. If you are a regular shopper at these stores, this is the card for you.
The Sears credit card is a mediocre credit card at best. There are no incentives for getting the card, and there is a high interest rate, over 25 percent! The best part about this card is you can use it for financing for a lot of stuff at Sears and some other stores. This is very useful if you are buying big ticket items such as a washer, dryer, TV, or some tools. There are also some special sales every month for card owners. Otherwise, this card isn't really worth owning. As I said before, the APR is very high compared to other credit cards, even store credit cards. Also, there are no rewards points or even any incentive for getting the card like many other store cards have, such as a discount or dollars off first purchases. All in all, you would be much better off with a rewards card with a 0% introductory APR instead of a card like this.
Overall, I think the Kohl's Store Card is a pretty good store credit card. If you like shopping for cheap clothes, this card is definitely for you! I shop at Kohl's all the time because they have the best deals around on clothes, and this card makes it even sweeter. The interest rate is 23.99%, which is high but normal for a store credit card. This isn't a problem because I always pay off ALL of my store credit cards. The great part about this card is that you get 15% off your first order, and then the card can be used for exclusive discounts throughout the year from flyers in the mail. Kohl's always has sales, so I can combine everything and get a great price on clothes!
The JetBlue credit card is a decent credit card for travelers, but mainly only if you mostly travel by JetBlue airlines. The card features an astounding 20,000 point bonus after you spend $1000 within 3 months, and a $50 yearly bonus and bonus points for booking a JetBlue Getaways vacation package. Outside of that, you get 2 points per dollar on JetBlue services and 1 point per dollar everywhere else, and there is no limit on how many points you can earn. The APR is decent and compares to other airline credit cards, a little more than 15 percent. However, there is a $40 annual fee, but it is waived in the first year, which is also similar to other airline credit cards. In the end, this credit card is very good if you travel a lot and use mostly JetBlue airlines, otherwise it will not be a good fit.
The Wells Fargo Rewards Credit Card is an okay rewards credit card, but there are many other rewards credit cards that have more to offer. The best part about this card is the 5 points per dollar spent on gas and groceries, but unfortunately that stops after six months and reverts to 1 point per dollar spent everywhere. Many other rewards credit cards are better, such as Bank of America that will give you $100 rewards PLUS up to 3% back on purchases, and that doesn't expire after six months. The APR is standard with other rewards credit cards, 0% for the first 12 months then around 12-26 after that. In the end, this is just a decent rewards credit card, as it is very attractive for the first six months, but it is not very good after that.
The Guitar Center Store Card is really only useful if you are into making large purchases at Guitar Center stores. If you don't make any purchases at Guitar Center, then this card is useless to you. The perks of this card are if you are making large purchases of guitars, amps, drum kits, etc., you can finance these over 12-24 months depending on the brand and if the purchase is over $600. Even if the purchase is under $600, there are many qualifying items that will allow you get to six month financing. The downsides are there are absolutely no rewards for spending your money here, whereas many other store cards give you points for every dollar you spend. Also, if you miss a payment or do not pay the minimum, the APR is about 25%, which is normal for a store card, but still astronomical. In the end, this card is only for you if you only shop at Guitar Center and make large purchases without having cash up front.
The Citi Secured Mastercard credit card is a good credit card if you are trying to rebuild your credit or have no credit. There are no startup fees like a lot of other secured credit cards, and only an annual fee of $29. The minimum amount needed to secure the card is $200, which is much lower than other cards that can require a $500 deposit for a secured account. There is also a positive in that you can interest on whatever money you put down, and you can get a regular unsecured credit card after only 18 months. The interest rate for purchases is 18.24%, which is competitive among secured cards, and can jump up to almost 30% if paid late, which is standard among any credit card. In the end, I would recommend this secured card only if you have bad credit or no credit and need help in rebuilding it.
I would not suggest the Mango Prepaid Card for anyone, mainly because of all the fees associated with it. There's a $5 monthly fee unless you load $500 a month, so basically you have to use your direct deposit or else you will be paying to use your own money. Then there is a $2 fee just for pulling your own money out of an ATM, on top of whatever the ATM charges. And then if you want to find out how much you have left on the card, it costs 50 cents if you don't do it online! However, this is one of the better prepaid cards, as many of them charge higher monthly fees or even fees per each transaction. If a prepaid card is your only option then this is okay, but otherwise get a debit card linked to a bank account.
I believe the BP Credit card is just an okay credit card. As with any other gas station credit card, they are only really good if you go to their gas station a lot. If you gas up exclusively at BP stations, this card will be for you. Otherwise, there are many other rewards credit cards that give you 2% back on gas purchases anywhere. The card starts off great, where you get 25 cents off a gallon for up to 20 gallons for every $100 you spend in the first two months. But after that, you only get decent rewards if you only fill up at BP (15 cents off a gallon for every $100 spent at BP, and 5 cents off for every $100 spent anywhere else). The APR is on average with other gas cards, so like I said, only get this card if you fill up at BP exclusively, otherwise avoid it.
The TJX card is much like any other store card. It is an okay card as long as you shop at the store often, in this case at TJ Maxx, Marshalls, and HomeGoods. There is no introductory APR, and the normal APR is 26.99%, which is pretty high but not out of the norm for a store credit card. You earn 5 points for every dollar spent at one of the stores, and 1000 points will get you a $10 gift card. Again, this is an okay deal, but only if you shop at these stores regularly. There is no annual fee or limit on the amount of rewards you can earn, which is a plus. All in all, only get this card if you are a regular shopper at these stores, otherwise it will not be useful at all.
I love this Visa by Bank of America. It was one of the first credit cards I had, and I still use it to this day, 8 years later. Bank of America gave me a much higher limit compared to my other cards, and the 0% introductory rate is a lot longer than other credit cards; 15 months here versus 6-12 months at other banks. Even after the introductory rate is over, they still have very low rates. Just pay off your card on time! There aren't a whole lot of frills with this card, but combined with their excellent online banking and customer service, this is an excellent card. Even when my card was used fraudulently, their customer service contacted me to fix everything before I even had realized what happened! I definitely recommend this credit card.
The Blue Cash Everyday Card from American Express is an excellent credit card. It offers a great introductory rate of 0% for the first 15 months, which is much longer than some of the other credit cards I own. Even when the introductory rate is over, it still has a decent interest rate. Just be careful to pay on time every time, or the interest rate will skyrocket to more than double, which is really the only caveat of the card. The best feature of the card is the initial bonus of $100 that is easy to obtain, and then the cash back. You earn at least 1% back on all of your purchases, without having to do anything extra! Other credit cards require you to select certain categories of purchases for cash back throughout the year, but you don't have to do that here. There is also no annual fee, which is fantastic! The only bad part of the card is you must have an excellent credit rating to actually obtain the card, but otherwise, it is an exceptional card worth having!
I believe the Goodyear Store Card is just an okay card. I would only suggest it if you already go to Goodyear exclusively for car maintenance and repair, otherwise it is probably not for you. The APR is just under 29%, which is very high for even a store card, so only open this account if you know you can pay off your balance monthly. It also has no annual fee, which is a plus, but this is becoming more and more standard with store cards. In the end, I would not suggest this card to anyone unless you are a repeat customer of Goodyear and can take advantage of the promotions and discounts they offer, and only use it sparingly and pay it off regularly since the interest rate is very high.
I have been using this card for several years now, and it is probably my favorite credit card. You get points for everything you purchase, and extra points when you purchase from amazon and some other retailers. The best part is the points show up when you're checking out on amazon.com, and you can apply them directly to your cart, it couldn't be easier. I buy almost everything on amazon anyway so I basically get 3% back on all my purchases! Also, when you sign up you get a $30 credit for your account, which is free money! I would recommend this card to anyone that loves shopping on amazon.com.