+ 100% FREE
+ Unlimited Credit Reports
+ Unlimited Credit Scores
+ Credit Monitoring Protection
+ Credit Improvement Tips
+ Automatically Finds Savings
No credit card needed
This is obviously geared toward those who have or are planning on purchasing, leasing, or otherwise in some capacity having a car by GM. The APR is okay, nothing too spectacular, but the rewards program is interesting. Seemingly it earns 5% on everything no matter what, but the rewards can only be used going toward a GM branded car. Okay I guess if that was the brand of car you're planning on getting, it doesn't give you much other choice.
If you're a new customer and are lucky enough to be able to skip the secured credit card level, this could be something good for you. As per the card's name, it's meant to earn cash back. This sounds good at first, but the drawback is the lack of bonus categories - it only features 2% on travel, so if you're staying put, this isn't for you. Something I recommend if you can get in on it would be Chase Freedom, which has rotating 5% categories on pretty common things like gas, groceries, or online shopping.
If you fill up at BP, this could be a decent enough card to carry around with you. Gas rewards in this economy are usually pretty enticing to most consumers. Obviously your rewards only matter at BP, so you'd have to have a BP or two nearby to take advantage of them. The only problem I guess I can find is that it's only a gas card, that's it, and a specific gas station to boot. The rewards are very specific, so if you don't use the car or fill it up very often, this would be pointless to have.
Having a secured card is a big step in either establishing or reestablishing your credit, and Wells Fargo does deliver in that aspect. Keep in mind that putting down a deposit lets you control your own credit limit, and this is standard for every secured card. The good news about this card is that I believe Wells Fargo will also allow an upgrade from the secured version to one of their standard cards somewhere down the line, so if this is your bank and you need to establish credit, perhaps it would be worth looking into.
There are better prepaid options out there, ones that have some security backed by big names. This card has absolutely no perks (not that I'd expect many) or even much information, just fees and more fees. If you need or want a prepaid card, I suggest taking a look at Chase Liquid, or one of American Express's new prepaid offerings, either the regular or the Bluebird. Stay away from the vast majority of prepaid cards, because the majority of them are not worth it for the little you get in return.
This is obviously a travel card, and it's of course skewed even more in favor of Priceline. Now, there are some far superior travel cards (Chase Sapphire Preferred comes to mind, Capital One Venture is good too), but I suppose if you use Priceline for your booking almost all the time, this is a good choice. You do earn good rewards for purchases and bookings used on Priceline. There's a version that has William Shatner on it not pictured here, that version for the image alone should be five stars.
This was my first card from American Express and it did not disappoint me. I'm thinking of upgrading to the Preferred version, but for now I have the Everyday, and it carries some pretty good cash back rates. I've used the 2% rate at department stores around holidays and birthdays for gifts, and of course the 3% on groceries is incredibly easy to take advantage of. I think the only disadvantage is that you can't redeem the cash into your bank account, but statement credit is always nice to use later, and the reward categories are permanent. This is my grocery card.
This card seems like a very good deal - five points on books, movies, and music. Those are some pretty common and broad categories, so it seems like it would be relatively easy to earn those extra bonus points. That would mean that if I bought a movie at say $25, I would earn 125 Thank You points. The interest rate seems good too, plus it comes with a 0% APR initial promotion. This may have recently been changed to the Simplicity card recently however, I'm not sure if they're still giving out the Forward.
What I'll tell you right off the bat is the same case as most store cards, even though this kind of isn't one - do not use this for anything else except for Apple. Why? The interest rate is pretty high at 22.99%. That aside, for buying those expensive Apple products, this is a pretty good choice. It says you only get the financing for the first purchase you make, but if you call Barclays and say you want to buy, an example, a new Macbook, even if you still have a balance they'll let you use the financing offer again. Just pay on time, and you'll be treated well.
This card is not as good as the company makes it out to seem. Number one first and foremost that people keep noticing is the stupidly high APR, 26.99%. If you carry a balance on this thing, you are going to be utterly destroyed by interest charges. The promotional offer in the store is a mere 15% off your purchases for one day, and that's only if you're approved on the spot. The rewards are lackluster - you get the same thing with a simple rewards card. If you exclusively shop at Toys R Us (which is no one considering how the company is faring lately) this is for you.
This is a card seemingly meant for rebuilding credit. As such, it carries a low annual fee - something I never really understood for a customer trying to rebuild credit. The good news is that it has a low interest rate in comparison to other cards of the same class, and it doesn't hit over 20%. There are other cards that come to mind with banks a little more well known (Capital One) that specialize in this market that maybe one may want to look to first.
This is your standard retail credit card. Honestly, these kinds of cards are really only good if you shop at this store and this store only. You do earn accelerated points toward gift cards for this chain, but honestly this is one of those really high end (price) clothing stores, and to boot it carries a typical high APR. Is it worth it? I don't really think so.
Citi Diamond Preferred is a card that is basically built specifically for balance transfers. This card comes with a pretty 18 month 0% APR intro rate for both purchases and balance transfers, that's longer than most cards which usually only have a year. It also has other perks such as the concierge service and Private Pass for your favorite shows. The only thing this card lacks is a viable rewards service, though you can still gain points from certain purchases toward discounts.
If you're like me and don't have a Kroger near you, this card would be completely useless. That being said, this card offers decent perks for being a grocery store credit card. You probably shouldn't use this card outside of Kroger, the rewards become less worth it and it would seem like it would be better to have a regular gas card. You would also have to gas up at a Kroger gas station or none of it is worth it. These kinds of cards are decent at best, but you can probably find something better.
The rewards attached to this card are very travel oriented obviously, being through Expedia, so if you're a traveler this could be a card for you. It's through Citi, so you earn Thank You points. Their reward program isn't my favorite (I'm a fan of Chase's Ultimate Rewards), but for what it is it does earn them pretty well. Two points on Expedia, one everywhere else - it could be better, but it's not the worst. You also have access to the perks of World MasterCard and Citi - no spending limit, Private Pass, etc. also come with this card.
The American Express Premier Rewards Gold Card is a true step up from the regular Gold Card. Yes, the annual fee is higher than the regular card, however the name 'premier rewards' holds true - each reward category is improved over the regular, and you earn even more reward points as part of of the excellent Membership Rewards program. These points can be used for gift cards, plane tickets, hotel bookings, or shopping online. You also get improved customer service and perks that only American Express offers. From what I understand, Gold and Platinum members get improved customer service compared to, say, one of their prepaid cards.
No. No, no no. If you have really bad credit, there are countless better options than this (Capital One Secured comes to mind). Why would you want to pay an annual fee on a card designed to improve your credit? That sounds like more debt incoming to me. I would just drop the deposit on a secured card and use that instead from a more well-known bank. I used to get junk mail for this card all the time and it didn't seem great at all.
This card is just like the Gap card, typical store card with lackluster rewards and a high interest rate. I find it a little funny that they made it look like a black card until you take a closer look and see it's just a Banana Republic retail card. If you love this chain of stores and only buy clothes there, this is for you. Otherwise like myself, I stick to bank-issued cards.
I love Chase Sapphire. I myself have Chase Sapphire Preferred, and it's currently my go-to card. I eat out a lot from fast food to restaurants, and the two points per dollar thing is what really drew me to this, plus I'm already a Chase customer so payments are incredibly easy. Would highly recommend.
This looks like any other retail credit card - lackluster gift card rewards, discount only on the first visit, and high interest rate. I'd rather use a regular bank credit card for better rewards. Good I guess if you love GAP.
Typical retail credit card. Granted, one at Lowe's may be more useful than say, Nordstrom. Lowe's you can use to possibly remodel your house, complete a project, or finally make that room the way you want it. The good news is also the fact that the interest rate is slightly lower than most retail rates I've seen (25-27%), so if you have a major product in mind, perhaps take advantage of that financing. Offering 5% off of everything permanently is also rather unique for a store card, usually they only offer something like 10% on the first visit.