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If you want to go the prepaid route then this really is the best card for it. It provides all the convenience of a credit card and doesn't require you to pay a fee to use it. Its a good deal for people who need a credit card and have bad credit. The Direct Express MasterCard offers the power of credit without an activation fee (very rare for a prepaid card) and a monthly fee (even rarer!) There is a fee on cash withdrawal but that is not a deal-breaker so I'll live with it. Its not good for kids because it doesn't let you load cash on to the card, it needs to come from income so this should be used exclusively by people who plan on loading income and not by those who need to load cash.
Walmart is the universal store that all of us shop at whether we like Walmart or not so if you’re going to go with a store card then it might as well be from a store that you are guaranteed to buy from. This card isn’t at all horrible; it gives you a decent APR for a store card, gives you special no interest offers over the holidays which come in handy for Christmas purchases, and even lets you earn rewards points which are always a bonus. Plus if there is a Walmart gas station near you, you could save 5 cents off a gallon and can avoid getting another credit card for gas purchases.
This card is made only for people who shop at the gap store. All of its benefits can only be enjoyed there so if you plan on using this for anything other than Gap purchases I would seriously consider looking for a better card, like the Capital One Quick Silver Card that gives you cash back rewards. This will give you rewards in $10 gift cards to the gap so you’re limited in where you get to spend it. Also the Quick Silver card gives you a lower APR and a better initial bonus than the 15% percent off that the Gap Credit Card gives when you sign up. Basically I would say this card is as over-rated as its store and you are much better off not limiting yourself to a store card and looking for a general card that offers more perks.
Even with bad credit, you can still qualify for a Walmart credit card (I know because my mom’s credit is horrible and Walmart is the only one that gave her a credit card) so I can’t possibly understand why you would choose the prepaid option over it. But that said, as far as prepaid cards go this one is not horrible, it gives you pretty standard perks like ATM withdrawal and free pin use on the card and its monthly fees aren’t too bad at only three dollars. If you really would like a prepaid card then look at the American Express Serve card that has no monthly fee and gives you a chance to have direct deposits for free ATM use, it seems like a much better option.
The BP gas card is not a completely bad card to have; but my major problem is that it limits you to filling up at BP for the discount when typically there are a lot of other gas stations offering much better prices. The way the rewards are set up is that it only lets you save a certain amount of the price per gallon when I would much rather be able to earn gas cards that let me have the occasional fill up for free. You have to spend a $100 in order to get to save 5 cents so it’s a terrible deal. Basically you’re better off just earning points from shopping at Kroger using the kroger123 card and getting 10 cents off. The BP card is a waste of time, with the excellent or good credit it requires, the Kroger card is a much better option.
I used to have the Sunoco card and did appreciate the gas rewards I receive for spending on it but it is an average card that requires you to have excellent credit. Before deciding to go with this, make sure to research what other cards are out there because there are many that give better perks and will help you save more money. Also this card’s greatest rewards points have to be earned from purchases at Sunoco gas stations, other gas cards will give you the freedom to choose where to fill up so you don’t have to feel obligated to go to Sunoco even if it’s a little more expensive. There is nothing that stands out about this card and as soon as I realized this I stopped using it and upgraded.
The Barnes and Noble credit card is an average card to have if the only thing you will be using it for is books. You earn 5% rewards points there for every dollar spent so its average but it doesn't make sense to not use a different card. If you plan on using it for other purchases then it is just a bad card that has high interest fees, almost non-existent rewards points (2500 points at a dollar a point gives you a $25 dollar gift card,) and will leave you wanting to get the amazon credit card and forgetting all about this mess. I really don’t see how those with the credit score to qualify for this card would decide that this card is a better option than anything else offered. Save yourself the hassle and check out the amazon card instead.
The Menard’s store card is a decent card for daily home improvement purchases but I would not recommend it for big projects where you need to charge a large amount. The store itself is great because it’s a lot cheaper than Home Depot or Lowes and the cards rewards makes it even better. You get 1% cash back on everything you spend which quickly adds up to rewards on items you purchase frequently. But the negatives include an APR that is way too high, even for those with good credit. Also they don’t give you an introductory period of no interest so unless you are willing to pay off the bill every month you will be charging much more than you earn in rewards or saving by shopping there instead of the other home improvement stores.
The chase slate seems better than it is. It presents itself as a good card that offers amazing benefits but I think it is perfectly average. There are many better offers out there including the freedom card from chase. Its interest rates are average, the introductory period of 0% APR can be matched by different cards that would give you more, like rewards which this one doesn't. Its cool looking because it is vertical when most cards are horizontal and it does give you more control over your finances so it is good for first time credit card holders who are still trying to make sense of it but for big time spenders with more credit knowledge I would go with a better card since so many are out there.
The thing about this card is that only those who are big customers of JcPenney should consider getting it. If you shop there often it provides lots of benefits. You are given special sales and exclusive deals and they are pretty generous about that. I can usually save 15-30% on average by using my card, and collecting points and redeeming them usually gets me a few free things every quarter. But if this is a one-time thing, even if you are spending a large amount, it just is not worth it. The APR is pretty high and I do not believe you can upgrade it to a general card instead of a store card, like you can with the sears card.
The Chase Sapphire is my go to rewards for everyday rewards. I use it to eat out and get rewarded for it. You get a hundred dollars for spending 500 in the first three months which was easily doable. I love rewards cards, I pay the balance off each months so interest is not something I look at but at 15% it is not as bad as it could be. The rewards on this make it easier for me to keep track of my spending and get rewarded for it. The only other card that could compare to it was the chase slate but I ended up going with this because it offered better rewards at a slightly higher interest rate.
Unless you are a Sears addict then I would suggest shopping elsewhere for a better credit card. It does not offer much in rewards that you cannot get with a regular sears rewards program. It only accepts perfect credit so obviously with credit like that you can be picky about the cars you get so why not be. The JcPenney card offers more I think and would be the better option. Better yet, skip store cards and get a great card that can be used generally. I had the sears card for years, had a $10,000 limit and always paid off my balance in full but decided to cancel and use a card that gave straight cash back instead of sears gift certificates that forced me to buy something from there. It is not a horrible card and lets you build good credit but there are a lot of better options.
The Home depot credit card is great to have if you are moving into a new home or remodeling. I liked the six months without interest because it let me budget my new kitchen over six months instead of paying it all at once. The interest can be brutal if not paid completely by six months so make sure you pay attention to that. I prefer shopping at Home Depot so I prefer their card but I have looked at Lowe’s card offers and was disappointed that the Home Depot Card did not offer more in terms of rewards. On bug purchases like home improvement projects five percent rewards can make a difference. It is a good card but unless you are loyal to home depot I would suggest shopping around other home improvement stores for the best card option.
Unless the First Premier Bank MasterCard is your only option for a credit card I would not recommend this card at all. Instead of using it to stretch your dollar it wastes it on annual fees, monthly fees, and a one-time fee. Obviously your credit is bad because you do not have money to burn so don’t waste it here. I would seriously consider another option and try to find a better card, like the credit one bank credit card that has lower annual fees, and no monthly or one-time fees. This card is taking advantage of a group of people that do not know much about credit cards and it is unfortunate. Save yourself some cash and continue to look elsewhere or even do without a credit card rather than be drained by this card.
There is nothing to hate about the Amazon card. It has a great interest rate, and gives you 3 points per dollar on amazon purchases, which is where most of my spending is done anyways. I like that it does not make you wait to spend a thousand to redeem your rewards, you can redeem as little as a dollar, so I end up getting tons of free little knick knacks from amazon. There is no annual fee which is good and while the grace period is only 21 days I can live with that in exchange of all the other benefits, like the 30 dollars just for signing up. I know there are few other rewards cards that are just as competitive, like the Kroger 1-2-3 Rewards visa or the Capital One Venture but I prefer this since Amazon already has great deals on so many things.
I really like that the Belk store card has no annual fee, those things drive me insane. The late fee is nice and low but the grace period could stand to be a little longer, I’m used to thirty days with my other credit cards. The rewards program is not bad considering it is an extra bonus that gives you back 10 dollars for every 100 you spent. The annual interest it a little high, I would want something in the 15-18% range, like my kohl’s card. Overall this card is good; it could stand a few upgrades for it to be great but if you often shop at Belk than it could really benefit you. I love the special promotions you get throughout the year that give you sales when there otherwise wouldn’t be any and the initial 15% off everything that encouraged me to sign up in the first place.
I love this credit card. My wife and I use it on everything we purchase throughout the year and pay it off each month. At the end of the year we have always saved enough rewards for our family of four to go to Disney for free. All we pay for is the travel (guess what credit card we use then!) and food, hotels, park tickets, and souvenirs are paid for. The interest rate could be lower but honestly I do not keep a balance so it has never been an issue to me. I like the 5000 dollar credit limit because we can spend comfortably throughout the month and not have to worry about having too great of a balance.