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The TJX Credit Card is only a semi-decent credit card to have. It’s great that they partened with MasterCard so spending isn’t limited to TJX stores only. But taking a look at the interest rate on this card, 26.99%, that's extremely high in my opinion. The cash advance fee seems competitive, could be decent for that alone, and or if you’re into shopping at TJX stores. Otherwise, the points reward program doesn’t seem of too much value at 1 point per dollar on purchases spent outside of their stores. I’d check to see what other cards are out there before getting this card, I feel like I could get more value elsewhere.
For a pre-paid card this one seems to be worthwhile. From the get go seeing that I get free withdrawals at ATMs if I have direct deposit is a huge plus. It’s like having the benefits of using a commercial bank. I also like the fact that this card has direct deposit in general. No worrying about having to get a paycheck and head somewhere to cash it – my money would be automatically loaded on pay days. There are no other fees associated with this card so it seems like a win-win situation. No credit check and they want to give you $50 for making two $250+ deposits? Count me in.
Let me say this to start about the JetBlue Credit Card. I recently took a flight with JetBlue and saw first-hand people using this card to get discounts on alcoholic drinks and foods they got on the plane just because they had the card. It’s great that JetBlue partnered with American Express for this as getting 20,000 bonus points for spending your first $1000 is a great deal. American Express points can really go a long way to getting something worthwhile. It’d behoove anyone to not get this card if they fly JetBlue often and fly often in general. The perks of 8 points per dollar spent and 6 points for purchasing at jetblue.com are worth it alone
Prepaid cards such as this Direct Express MasterCard are great for people who don’t necessarily have a bank account. They’re also good if you want to make purchases online and are concerned with someone stealing your account info. Using this kind of card won’t give people access to your money, rather you make your purchase and leave the card empty after wards. For those that will use this as a regular method of payment it’s nice that they allow 1 free withdrawal per month if you need cash, the rest of your purchases can be made just as if you had a regular credit card. There really are no downsides to having a card like this.
The Brooks Brothers Credit Card has some good qualities but also its share of bad qualities. The initial bonus of $35 is nice and combined with the $20 for an initial purchase outside of Brooks Brothers and we have a pretty competitive initial offer. The cash advance fee of 3% is actually very low, I’d enjoy this card if I needed some fast cash. I know with the Chase Freedom card I used to have, the rate was not close to that low. The bad… I was initially enthusiastic about the 4 to $1 point ratio but then realized it was only on Brooks Brother purchases. It’s 1 to $1 otherwise and not very enticing. The interest rate at its lowest, 14.24%, is pretty high, not something I would want. The most important feature of a credit card in my eyes is the interest rate and its value for points to spending ratio and this doesn't meet my satisfaction for either. Overall, just an average card, nothing spectacular.
The Discover More Card looks like a decent deal. While there are no initial rewards for spending a certain amount in a certain time as most other major bank do… This one makes up for it giving 5% cash back on everyday things like gas and groceries. That’s a huge plus in my mind. I had a Citi Bank Simplicity Card and they would just give me points to spend in their store, not cash. I’d take cash over points any day. Lastly, the 11.99% APR rate is pretty low for the market if your credit is good enough to get it. Overall, a great card to have.
The Menards Store Card seems like a card one would like to have when trying to build credit or get back on track from having bad credit. There is nothing great about this card, well, as compared to major banks who can offer a much better reward to spend ratio. The initial bonus of $10 for $100 spent is nice but not at all enticing. I used to have a Chase Freedom card a while back and they paid $100 for spending a certain amount in a small time frame. I also don’t really like the fact that there is no offer for an intro APR rate. But I guess that’s why this is a builder/coming back from bad credit kind of card. It’d be great for either of those two things, otherwise look elsewhere.
The Bank Americard Power Rewards Visa Signature credit card actually looks like a decent credit card to have. The intro rate for 12 months is pretty standard at 0.0%, same with the balance transfer at 0.0%. It’s a little disappointing that you only get $50 cash back after you spend $500 within 90 days of getting it. I know when I first got my American Express Gold card, I got $150 for doing a similar task. It’s nice that there is a grace period for late fees of $25 because you never know when you might need some extra time to pay a bill. Overall, I probably would enjoy having this card to take advantage of the gas points at 3 points per every $1. That could add up pretty quick.
I have a positive experience using this card. The rate is pretty much standard compared to other clothing stores. My credit limit was fairly high so I never worried when I needed to buy an extra shirt for work or something. The good thing about this card is receiving all the rewards. They’ll always send you coupons in the mail and if you spend enough they’ll upgrade you to the A-List card which gives you bonuses every time you spend so much money. I’ve enjoyed this perk, and I’ve gotten bonuses of $15 and $30 to use however I wanted within the store. They also always send me something for my birthday. I am very pleased with the card and have had a positive experience