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This is a fantastic gas card, especially the initial 90 day period because you'll get up to 50 cents off per gallon of gas. You just can't beat that! After that, you'll still save yourself some money using your card. From May through December, you'll get double your rebate rewards, so even if you don't use your card a lot, you'll still get back 20 cents a gallon for gas and once you earn $25 worth in rebates, you'll receive a cash card. They don't limit how many rebates you can earn, so if you have to commute a good distance for work or school, this is a must have card.
This is a great credit card for someone just starting college, who has never had a credit card before. It's easy to qualify for, since it's designed for people just starting out and they provide you with the tools to build your credit history. Their rewards are also attractive, as you will receive at least 1% cash back on all your purchases. It doesn't sound like a lot, but it can really add up. The interest rate really isn't too bad either, and much lower than many other cards I've looked at. Also, there's no annual fee like you'd get with a secured card – which is often the only thing you can get when you don't have much in the way of credit.
This a pretty good basic credit card, though you do have to have pretty good credit to qualify. The nice thing is you will earn back $100 if you spend at least $500 in your first three months as a cardholder, which isn't difficult to accomplish. The interest can be a little high if you don't pay off your balance every month, but it isn't unreasonable compared to other cards. I really like the cash back feature, which works on any purchase, though there are always certain categories that will earn you extra. Anyway, I would recommend this card to anyone looking for a basic, no frills card.
The AT&T credit card can be a little difficult to be approved for if you don't have really good credit, but it has a few unique rewards that are rather nice. You can earn up to 50,000 rewards points every year that can be redeemed for $100 gift cards. Even better, you can save up to 10% on AT&T products/services in your first year as a cardholder, then 5% thereafter (up to $350). The interest rate isn't bad either. Overall, I'd recommend this card if you're an AT&T customer. If not, it's still not a bad card but you might find better elsewhere.
I was originally declined when I first applied for this card, but after having the store card for a while, I applied again at the urging of one of the store employees. Also, the $15 off my purchase was very tempting. I was approved! The interest rate is higher than many other cards, but it's still a nice card to have, especially if you plan to pay off your balance every month. It has all the advantages of the store card, which I really like, but the freedom to use anywhere, which I love. I also appreciate the fact that there's no annual fee.
I applied for the Sears store card after being declined for their Mastercard and the store clerk told me the store card might be easier to qualify for. I was pessimistic at that point, but was happily approved. I was given a $10 gift card for applying and received an additional 5% off my purchase for using the card. It's since saved me quite a bit of money because Sears frequently gives you an additional percentage off when you pay with your Sears card. Also, having the card allows you special deals when financing larger purchases which I've found useful when having to replace a few major appliances. The interest is higher than I'd like, but I almost always pay my balance off every month so it hasn't really been an issue. I'd recommend the store card. It will expire after a year if you don't use it too, and then you can take advantage of the sign up promotion all over again!
I applied for the Capital One Platinum Credit Card in order to improve upon my credit rating, which isn't the best. The interest is a little high, but as long as you pay off your balance each month then that isn't a problem. There is an annual fee, but it's waived the first year and only $19 thereafter, which isn't bad. There are some pretty nice perks offered as well, including auto rental insurance, which I have taken advantage of. You can also customize the card with your own image and really make it your own. It's a great card, with even better customer service, and I would recommend this card to anyone. It's especially good for those of us without stellar credit!
I love my Home Depot Store Card! It wasn't difficult to qualify for, even though I don't have perfect credit and the interest rate is lower than many cards out there. If you have a lot of work to do around the house, it's a good card to have for the convenience. My only complaint is that there is no rewards program offered in conjunction with the card and they don't have any special offers or discounts for when you apply. But still, it has come in handy for when some unexpected repairs have been needed to the house or when there's been an improvement project. I would recommend this to anyone who shops at Home Depot for their home repair needs.
If you have an excellent credit rating, then the Chase Freedom card is a great deal. There's no annual fee and the interest rate is pretty competitive. It comes with some great rewards as well. Not only can you earn $100 back in bonus cash for making $500 in purchases in your first few months of opening your account, but you'll also get 5% cash back on purchases made at different stores which change every three months. If you don't shop at any of the stores within those special offers, you'll still earn cash back on all your other purchases, just not as much. It's always fun to see what the new offers are every few months though!
The JCPenney Store Card is a pretty good deal, especially if you make sure you pay it off at the end of each month to avoid finance charges. You'll receive up to 20% off your first purchase with the card, which in itself makes applying worthwhile – especially when making a large purchase. You will also earn points for every purchase you make, which can add up pretty quickly; especially if you're a frequent shopper. Also, you'll earn $10 back for every $100 you spend. That's 10% back right there. Not a bad deal at all, and not too difficult to qualify for either!