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I'm not really sure how appealing this card really is. I think if you're into fixing up cars as projects, then maybe the card is useful. You could possibly take advantage of the discounts and promotional offers Goodyear has. However, I think I speak for the majority of people who would rather not be having to take in their car to the shop often enough to use this card. No annual is great, however, not so uncommon anymore. This credit card just offers the bare minimum. If you're looking for a no frills credit card, and like Goodyear tires enough, then maybe this card can work for you. But when other cards can offer rewards, and better interest rates, I'm not sure it is entirely necessary.
The Ann Taylor Credit Card. Well, it starts off nicely with a quick 15% off discount after signing up for the card. After that, people want to start looking at the rewards. Ann Taylor offers a $20 Rewards certificate after accumulating 20,000 points. That equates to every $400 spent at Ann Taylor will get you $20 back. If you want to look at this as cash back, that's 5%. Not exactly extremely enticing, especially after spending $400. Compared to a similar store, New York and Company, it is actually the same exact cash back. However, NY&Co allows you to redeem a $10 coupon after every $200. A little more enticing. The no annual fee is great, however. So if you shop at LOFT or Ann Taylor often, you probably wouldn't mind this card. But if you shop at all types of clothing stores, you may not find this card very useful.
The overall features of this card are decent. Nice introductory bonus with the 10% off. 15% off batteries is an interesting, but still nice bonus. However, with such a limited product selection, their rewards are definitely lacking. I could find the majority of the items I would be looking for at Radio Shack elsewhere. I could check out Target, and get 5% off every purchase I make there with their credit card. Much better than what Radio Shack is offering. If you do shop at Radio Shack often, taking advantage of their financing options make a lot of sense. However, if you're just looking to make a few purchases here or there, look elsewhere.
I just don't see enough benefit from this card. As others have mentioned, they offer nice financing options if you are making large purchases. However, there is inherently no other reason to use this card otherwise. A very niche card. If you are in a band, or love guitars, then maybe it can be a card for you. I say maybe because they don't offer any rewards other than financing. It would be nice to get some points back when you use it at the store. With people saying they are spend over $500 per purchase, a rewards system would be an awesome bonus. Most store cards at least offer a percentage off your first purchase. This card needs some kind of perk.
If you're planning on purchasing an Apple product soon, I guess this card is worth it. However, it really is just a regular credit card after that. The no interest if paid in full within 6 months is awesome if you want to spread the payments out. However, with other store cards offering better long term benefits, why not just purchase Apple products there? Best Buy similar no interest payment options, on top of 5% back. So I get it, its convenient if you're buying an Apple product. However, if you are buying an Apple product, chances are you are in to electronics. A more diverse card with more rewards seems more practical to me.
I LOVE football. Probably my favorite sport. So you would think I would get incredibly excited about the NFL Credit Card. Unfortunately, I'm not too sold on it. The 20% off NFLShop.com is great, I won't deny that. But the rewards are a little underwhelming. Anything NFL related is so expensive, I don't see myself purchasing that many things often enough to really enjoy the rewards. Now with sites like Amazon where I can find gear cheaper, so I don't know how much value the 20% discount gets you. An Amazon Credit Card might be more worth it, even as a die hard NFL fan. It also offers more rewards, too.
While this may seem like a minor price, it bothers me that this card charges a 3% foreign transaction fee. Granted, I get it, its difficult with currency differences, but most cruises will be traveling into foreign territory, no? With that out of the way, this card still lacks benefits. Only double points on Carnival purchases? Sign me up for an airline card, where I can earn up to 7% cash back on purchases. If you're always on a cruise, then maybe I can see signing up for this card. But other than that, the features aren't eye popping. The 0% intro rate is nice at least.
If you love Marshalls, TJ Max, and Home Goods, you may want to give this card a shot. Even so, the rewards are underwhelming. Do they really think they're enticing customers with 10% on one purchase? They offer a $10 gift card for every $200 spent at the stores, but how often do you want to spend $200? The Target RED Card offers their customers 5% on EVERY purchase, not just when they spend $100 or $200. That seems like a much better deal than the TJX card. Combine these small offerings with a high APR, and it seems you really have to love the TJX stores to sign up for this card.
The Hilton Credit Card is great if you are a frequent business or leisure traveler. Earning points should be easy if this is you. It's a great feature where you can earn free rooms, especially if you plan on being on the road a lot. However, if not, it can take a while to get enough points for a free room. It would take spending over $700 with Hilton, just to get a free room, as Hilton says as few as 5,000 points can get you a room. So if you're not a frequent traveler, look for other cards that fit your needs. But if you find yourself in a Hilton Hotel often, it makes too much sense to register for this card.
Compared to its competitors, the Target REDcard is a great credit card option. Wal-Mart only offers 1% cash back, and Amazon only offers 3% cash back. The REDcard gives you a 5% discount right at the register. No waiting, no nothing. Simply swipe and watch the total drop. If I was a Wal-Mart shopper, I may just switch stores. And if you use your Target credit card on their website, you get free shipping on top of the 5% discount. This card is a must have for any Target shopper. Obviously, if you are not a Target shopper, you don't need this card. But with all of these savings, maybe you should become one!
If you frequently shop at Amazon.com (and who doesn't?) this card should definitely be on your mind. Getting 3 points for every $1 spent on the website is great. It's also not a bad deal for Amazon, but both parties win with this card. What's also great is that you can redeem the points right at checkout, and with the amount that you want. You aren't forced to use them all at once. I will say that the other rewards aren't great, and if you don't shop at Amazon.com often enough, you can probably steer away from this card. But if you do love Amazon, highly consider this credit card!
With JetBlue being my favorite airline to travel with, the JetBlue card is a no brainer. With no annual fee for the first year, it's a good investment for those who love to fly JetBlue. This is one of the few cards with a "points" system I can deal with. A free flight with JetBlue rewards can be had after 5,000 points. With being able to earn 8 points per dollar spent on JetBlue purchases, the points will begin to rack up fast. Compare this to US Airways' MasterCard, where you're only getting double miles per $1 spent, and that is with the card that charges a $79 annual fee! Seems like a pretty simple choice to me. Give me the free flights!
The AT&T credit seems like an average credit card. For those who have AT&T, it may benefit them to use this card. With 10% cash back on all AT&T products, it is a sensible decision to earn money back on products you regularly purchase. However, if you do not have AT&T, nothing special sticks out to begin using their card. I'm not a big fan of "reward points." I'd rather see cash value than having to wonder what I'm going to spend my points on. Reward points always seem good in theory, but somehow I always end up spending them on something I don't really want. So yeah, if you have AT&T great, but if you're like me and don't, I'd continue to look around.