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The BankAmericard Cash Reward Credit Card must be the best credit card here, or at least is my favorite. It gives actual money back on purchases, and not just pennies, 2% back on groceries, and 3% back on gas is a lot, and it adds up over time. The fact that it gives $100 sign up bonus is super great. Some credit cards charge a sign up fee, this one actually gives you a bonus for signing up. And the APR is really good, the intro APR for the first year is 0%, but , and only 12.99-22.99 after a year which is not bad at all. The only thing I don’t like about this card is that the cash advance fee is very high. But this can be avoided since most people don’t get cash advances from their credit cards.
I like that The Platinum Card from American Express has so many perks associated with it. One of my favorites, is the premium travel benefits. Traveling is stressful enough, but being a member of the Priority Pass Select means receiving preference treatments at airports. While everybody else have to wait at the gates, member of the Priority Pass select can wait at a VIP lounge, which is really cool, especially if you have a long connecting flight. What I don’t like about the credit card is that you have to pay the full balance every month, which can be good or bad, depending on the situation.
I love the Walmart Prepaid Card. Because it is a prepaid card, it allows me to save aside the money I want to spend at Walmart, and when I’m ready to shop I have the money right there on my card and I don’t have to carry a lot of cash in my wallet. I like that this card does not have activation fees, which many prepaid cards have. I also like that it does not have transaction fee when using either signature or pin. What I don’t like is the monthly fee of $3. But this fee can be avoided by adding $1000 a month to the card.
What I like about Lord & Taylor Store Card is that the first day you get it you can get a 15% discount on your purchase. This is a very generous discount, especially if you are making a large purchase. They also allow you to get a discount on purchases online which is very convenient if you prefer to shop online. Another great feature is that it does not charge you an annual fee. This is a really great deal because usually other credit cards have ridiculously high annual fee. What I don’t like is that it has a regular rate of 25.49 %. This seems a little high.
I like that the Upside Prepaid debit card is prepaid, which helps you spend only what you have, and never get into credit cards Debt. One of the things that I like the most, is that it is a visa, which is accepted everywhere. Another thing that I like is that there is no credit check, no activation fee which a lot of cards have, and there is no transaction fee when you shop. Usually prepaid card have all of these fees. What I don’t like about the card is the monthly fee. If you load less than $500 a month, you have to pay $4.95. But if you do usually load $500 a month, which most people have to in order to pay their bills, then the fee is not bad, only $0.99 a month.