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The Brooks Brothers Credit Card is a pretty good option if you like shopping at Brooks Brothers or need a professional wardrobe. The 4% cash back at Brooks Brothers is very nice, and you also get 1% back at other stores, which is just a bonus. The maximum you'll get back from a branded card is probably 5%, so this card is definitely one of the better ones. You also get some little extras like $20 on your birthday and 15% off your first purchase. It would be nice the card had an introductory period with no interest so you could finance a big purchase without getting slammed by interest payments, like some retailers like Best Buy allow. So, while the card is not perfect, it's definitely one of the better branded credit cards because of the rewards.
The Home Depot Store card is a niche card that won't be attractive or even useful to a lot of people. However, if you are planning a huge home improvement project and would like to finance the costs over a few months, then this card would be pretty valuable. The card's only feature is an interest-free introductory period for the first 6 months. While that is nice, other store cards like Best Buy's also have some sort of rewards or cash back program to go along with the introductory period. The APR is pretty standard, ranging from around 18 to 27%. In short, it's a decent card if you shop at Home Depot and want to finance a big project. Everyone else should look elsewhere for a card with more benefits.
The BP credit card is a decent option if you drive a lot and tend to fill up in areas that have BP stations. The reward system is needlessly confusing, but it looks like the bottom line is that you get a 15 cent per gallon rebate on purchases with BP and a 5 cent per gallon rebate on general purchases. There is also a nice bonus for BP purchases in the first 60 days. There is no annual fee and the APR is not that excessive, so you could do a lot worse than the BP card if you have been spending a ton of money at the pump. However, the rewards are average at best and are not nearly as flexible as general rewards cards that Chase or Capital One offer, or even other store branded cards like Amazon's.
The Expedia Credit Card is a decent card for people who book a lot of trips or hotels. You get 1% back on all purchases and 2% back on eligible Expedia purchases. The 2% back maximum is not great compared to other branded cards, as other brands like Amazon's give 3% cash back on eligible purchases. There is no introductory rate, but you do get a nice bonus if you spend $1,500 in the first four months and an easy $50 credit if you make an Expedia purchase within 60 days of opening. If you're planning on making a lot of Expedia purchases you could do a lot worse than this card, but as a general rewards card it is only average.
The Crate and Barrel Store Card is probably not worth it unless you desperately want to finance an expensive item from the store. Even then, it's probably better to look for a normal credit card with an introductory period. Because it is a store card, you can't use it anywhere else. You do get 5% back for every $200 you spend at the store, but the issue is that you have to spend all of those rewards at a few not very practical stores. Compared to a card like Best Buy's store card, the financing period is very restrictive and the APR is extremely high. Unless you're moving into a new place and know for sure you want to deck it out with Crate and Barrel stuff, it doesn't seem that useful.
The Cabela's Credit Card is a great card for frequent Cabela's shoppers, but probably won't be too attractive to anyone else. It is a great deal if you shop at Cabela's and are also a member of Club Visa, because you then get 5% back for every Cabela's purchase, which is pretty much the best cash back deal at a retail store you are going to find. One issue is that you can only spend your cash back on more gear at Cabela's, rather than choosing your rewards like Amazon's card allows you to. The APR is very reasonable though, so this card is a must if you love the outdoors and shop there a lot.
The Walmart Credit Card might be a good option for those who do a ton of shopping at Walmart, but otherwise it is a pretty standard card. The APR is run of the mill at around 23%, but it doesn't have an introductory period with 0% APR like Best Buy's card. The rewards system is pretty bad for anyone who doesn't buy all of their items at Walmart. You need to purchase $3000 at Walmart to get even 1% cash back. Compare this with introductory cards like the Amazon Rewards card, which give 1% cash back on everything and more for certain items. If you live near a Walmart gas station and drive a lot, however, the 15 cents back per gallon of gas alone might make the card worth it.
This is a pretty solid card that has a number of good features. If you're planning on buying an expensive television or other electronic item, you can get 5 rewards points per dollar spent. You also get 1 point per dollar for all purchases and double for eating out and going to the movies, so this card is more versatile than something like a Best Buy store card. It offers an introductory financing period with no APR similar to what Best Buy offers, but with no dollar minimum attached. If you don't mind having your rewards in the form of points instead of straight cash back, this might be the card you want if you're a big electronics buyer.
If you shop at Menards a lot, then this card will be useful for you. Otherwise, it doesn't offer you anything better than a lot of other cards. Compared to other store cards, the rewards are not that great. All you get is a $10 bonus in addition to 2% cash back at Menards and 1% cash back at certain cash stations. Other store cards give you a long intro period with no APR to finance large purchases and enter you into loyalty programs that provide more discounts year round, like Best Buy's card. 2% cash back isn't even that much compared to cards like Amazon's, which gives you 3% cash back on their store's purchases and 2% at a variety of other places.
The Capital One Prestige Platinum is a great card to get if you already have pretty good credit. I got it to make a large purchase since it gives you a generous intro period with 0% APR. The best thing about this card is the low APR after that. If you're making a really big purchase then you don't have to worry too much about paying it off before the intro period ends. With no annual fee, the only bad part about the card is that there's no rewards program. It's also great if you travel a lot since it provides roadside assistance and you can get a cash advance even if you're on the road and lost your card.
The Apple Credit Card is a good choice if you want to buy an expensive Apple product but can't afford to pay for all of it right away. For example, if you need a new MacBook you could get one with this card and not pay any interest for 18 months. The intro periods for cheaper items are not as generous, but still decent. There are not too many other benefits to this card since there is no rewards program like those offered by other branded cards. The APR is also fairly high, but if you have a short credit history it's pretty comparable to others. If you really want a Mac or iPad right now, this card is for you. Otherwise take a pass.
American Express' Blue Cash Preferred card is definitely one of the better cash back credit cards to look at. The annual fee is not cheap at $75, but the 6% cash back at grocery stores is extremely high compared to similar cards. If you have a large family or simply buy a lot of groceries, you could make the annual fee back in a few months of shopping. The 3% back at gas stations should also be attractive to those with long commutes. The 1% cash back on all purchases is pretty standard, so if you don't spend a lot at grocery stores and gas stations you might be better off with a different card. However, the intro period of 15 months with 0% APR is a great deal for anyone who wants to finance some large purchases in the near future.
I love this card. I got it first when I was in school to get $30 off an Amazon order for the holidays. It was a great card to build credit with, as they automatically raised my credit over the years without any badgering. The rewards are great if you use Amazon a lot. You can use your rewards points at Amazon at any time, which is nice because a lot of similar cards require a minimum amount to withdraw your rewards. The interest rates are not too bad, especially considering I got the card when I had very little credit history. Chase's online payment system and customer service are also both top notch- when I lost my card I had no problem talking to them and getting a new one sent out for no cost.
I got this card in college when I needed a laptop but was short on cash. The intro APR was fairly low and lasted for a long time. I had plenty of time to pay off the computer before the much higher regular APR kicked in. I would definitely recommend the card if you have a large electronics purchase to make and know you can pay it off within the intro APR period. Getting approved in the store took a little bit of time but was relatively painless.