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This card seems okay. I'm surprised they don't have a initial points offer. Rewards cards are getting very competitive and it's hard to believe it's not offered. Points seem pretty straight forward with a somewhat reasonable regular interest rate, they do have a very nice 0% APR intro rate for 18 months for balance transfers. This is attractive. Though no other intro rate which seems odd like the no initial points offer. The Complimentary 24/7 Concierge Service is nice if you use that sort of thing. They have some other benefits, but I don't see anything I would use that often honestly.
I signed up for a Kaiku pre-paid card and had to contact their customer service. The lady was beyond rude, so I filed a Better Business Bureau complaint. A woman named Elana Carrillo contacted me and was SO NICE. I decided not to close my card because they fixed the issue. Then, on 12/3, their check cashing app INGO Money tried to deposit money on my card and the money was declined. I kept calling to find out why because the check had an expiration date. They e-mailed and said they fixed it, denied it again. Called and said they fixed it, denied it again. Then they denied 2 deposits on the 23rd and 3 on the 27th! INGO told me since the money was rejected, my checks were still good. Each company blamed the other. I went into the bank one of the checks was drawn on and sure enough, the check was no good. I had to keep calling Kaiku to finally get an answer that I had gone over my 45 deposit limit. This had taken weeks to get this answer out of them and I didn't get this answer until 12/31. Now remember they are holding my money that I have no access to. I tell them I am a single mother and Elana told me to contact her if I ever had any issues. I was given the wrong e-mail address for her. I finally faxed them and I think I got through. You know what they did? CLOSED my account on New Years Eve for having too many deposits. Can you believe that? After they spun me and spun me, this is what they do to single mothers if you just try to get a question answered by their unprofessional and untrained staff. January 9th I have not received my card AND Kaiku published a detailed banking history of my charges online. Unbelievable right? Well, something's going to be done. This is SO illegal. If you look them up under ripoff report, they have a history of doing this. Consumer BEWARE!!
The BankAmericard Travel Rewards Credit Card is a Visa card that has a ton of terms and conditions. If you do this then you get this % of this, etc. etc. I prefer my rewards cards to be a little less .. diluted. You do get an initial award of 10,000 points which will save you $100 off travel, but of course, there's a "condition". Spend $500 on the card within 90 days. Earn 1.5 points for every $. Then here we go with the conditions again - 3 points for every $ spent for the first $6k in airline purchases (up to 9000 points). The good news is that there's no limit to the points you can earn (at the usual reward rate) AND the points don't expire. You also get an extra 10% for having a "qualifying" Bank of America account. Tons of terms for a pretty high interest rate. I'll pass on this card. I don't have the time to sit and figure out how to make it worth my time!
The Valero Gas Card is a store credit card where you earn rewards. With an earning potential of 30¢ per gallon, it's not a bad little card, until you look at the interest rate. The interest rate is high at 23%, but it's actually a very competitive rate compared to other store cards in general, as well as other rewards gas cards. Now, you're probably thinking that 30¢ per gallon is a pretty high reward, and you'd be right. The reason they offer such a high rebate is because they only offer rewards for the first 2 1/2 years that you have the card. Still, you can save a lot of money with this card if you use it for gas and pay it off each month!