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British Airways is part of the One World Alliance. If often using American Airlines, Cathay Pacific or British Airways, this British Airways Credit Card is a good deal. If using this card to rake up miles, you can earn miles fast, with 2.5 and 1.25 miles per dollar spent. The annual fee is $95 which is a lot if not using this card often, but if you do use this card often, you will get more than $95 worth of mileage to be used towards purchase of air flights. The interest rate is at a modest 16%, which is a lot lower than many other cards. If you do travel a lot, there is no foreign transaction fee, which comes in handy when other cards charge a 3% fee. This card would be a 5 star rating if they offered other perks like the Asiana credit card which gives you points for purchases on gas and groceries.
My brother has the Citi Forward Credit Card and swears by it, he got it while in college. There is no annual fee, no sign up fee, no monthly fee, and a low APR of around 13%. My brother also uses his rewards all the time, and when getting 5 points per dollar at restaurants and movies, he earns them quickly. There is also 0% APR the first 12 months, how can you go wrong with that. If you pay on time and under the limit, you also get other rewards and bonuses. Lots of incentives for college students. If people are looking for other cards and do a lot of online shopping, the Amazon Credit Card has a lot of decent reward opportunities and also no annual fees. Otherwise,
If you shop frequently at Lord & Taylor, then the Lord & Taylor store card is good for you. With no annual fees or signup fees, this card has little maintenance that you need to perform. Instead, by shopping at Lord & Taylors and using this card, you save 15% on your total purchases plus periodic offers. Be ware, however, this card has a HIGH APR at over 25%! In comparison to other store credit cards, like Express or Banana Republic, this card has little to offer. Other store cards, in addition to the 15% discount, also offer reward points per dollars spent. The Banana Republic card also 5 points for every dollar spent. If you shop at Lord & Taylor often, this is a good card to have, if you don't, there is no need for this store credit card.
The Walmart Prepaid Card is a decent prepaid card overall. Unfortunately, this card does not get you any rewards with Walmart, a big disadvantage compared to its credit card. However, you do not need any credit for this card, so it has its ups and downs. If avoiding credit cards, this card allows you to avoid a credit check and having a bank account linked, so its good for teenagers or as a gift. My biggest problem with this card is the monthly fee. It is not as high as the Readydebit card at $5.95, but if you really need/want a prepaid card with no monthly fee or initial fee, then you should look at bluebird. With a no cancellation or inactivity fee, this card is better than some store gift cards that charge you $1 a month after 12 months.
The Wells Fargo Secured Credit Card is a credit card for those who have bad credit or looking to build credit. Because Wells Fargo is protecting its interests, there is a $25 annual fee, and a high APR at 19%. There are no rewards, no jazz, no extras with this card. This is pretty much the training wheels credit card that you get put on when having bad credit or starting off. There is also no max penalty APR or over limit fee, so be careful, if you are late or dont pay your card off, those interests and penalties will start accruing fast!
The GM Card from Capital One is the credit card if you are a GM fan and buy GM cars. No annual fees or signups, this card is low maintenance. At the same time, there is LOW APR at only 12%-19% compared to 23% with other cards. Plus you accumulate 5%-2% points that NEVER expire. If looking to purchase a GM, you can get that credit almost instantly! If not planning on buying a car, this card is obviously not for you. However, with the choice of Chevrolet, GMC, Buick, or Cadillac, there are plenty of options when looking to buy. In reality, there are not many options in looking at credit cards that can be used towards car purchases, so this one is almost in a class in itself.
I feel many people here do not have gas station reward credit cards. The BP Credit Card is better than your average gas credit card! For example, shell gives no rewards, exxon only gives $.06 cents off 45 gallons. This card is also comparable to the citgo credit card in terms of rewards. First, no signup or annual fee. Second, if using this card for gas at BP, you do save money. Yes, yes, this is not as comparable maybe to credit cards like BOA or hilton where you can get 3 points per dollar when filling up with gas, but this is nevertheless a reduction of your gas bill with BP. The card does have a high APR, but if you pay your bills on time, this is not an issue. This card is ONLY beneficial if buying gas at BP, as purchases from other locations will not result in rewards or reductions on your gas bill.
I am NOT a fan of Bank of America in general, but their BankAmericard Cash Rewards Credit Card really is one of those credit cards that helps you as the consumer out. No annual fee, no signup fee, and mobile banking apps, this card is good to begin with. But, where this card helps us as the consumer out, is in the fact that you get cash-back for using your card! When buying $100 worth of groceries, you get $2 back. If buying $100 worth of gas, thats $3 back in your wallet. That might not seem like much, but after spending $1500 a month in gas, groceries, and other monthly expenses, this card can potentially put $45 a month back in your wallet. The drawback for some is this card is only for those who have REALLY GOOD credit scores.
If travelling by car is your standard means of transportation, the AAA Member Rewards Credit Card is an attractive credit card. This card has one of the lowest APR's at 13%. And with no signup fee or annual fee, it is a low maintenance credit card. As a member of AAA, you receive roadside assistance and other perks, and using this credit card gets you rewards for all of them. With a 3 point per dollar reward, you can quickly start raking up points in contrast to your regular visa card. However, if you really want to take advantage of rewards and travelling, this card does not compare to the Hilton Rewards Credit Card that gets you 3 points per dollar for gas and grocery's, and 6 points to be used towards hotel stays. What I like about this card are the rewards, whereas some cards only allows you to redeem points on merchandise, this card gives you options of cash-back or AAA vouchers.
The Marriott Credit Card is a good credit card for those who frequently use Marriott when booking hotels. With a no fee sign-up, and a 30,000 point reward if spending $1000 in the first 3 months, this card has potential to start tacking up free nights quickly. And when using this card either at a Marriott or for regular purchases, you can earn 3 or 1 point extra per dollar spent. And who can go wrong with a free 2 night stay at a hotel when activating this card. Now, the reason I cannot rate this card a 5 is for the following reasons. First, there is a $45 annual fee, where as other cards like Hilton do not. Also, if using a Hilton rewards card, you can earn 6 points per dollar at Hilton hotels, 3 points per dollar at gas stations and grocery stores, and 1 point per dollar everywhere else. When you do the math, the Hilton is a much better card, plus the intro reward is 40,000 points. The low APR is a bonus for this card, so if Marriott is your choice of stay, and you dont mind fronting $45 a year, then this card will not serve you wrong.
If you apply for the Apple Credit Card, know that you are essentially applying for a regular credit card with just the name Apple. The only benefit to this card is that when you purchase your first apple product with this card, you will have no interest within the time frame of 6-12 months. Besides this, there are no rewards, no apple points, no applying credit for a discount to your itunes account, nothing. With a HIGH 23% interest rate, you are better off with an Amazon card. With Amazon, you will be able to buy mac products off Amazon as well as earning points on all purchases. For such a large company, this card is pretty disappointing. If you are looking to buy a macbook, please look for a regular visa card that gets you rewards, or like stated before, the Amazon Credit Card.
If you love shopping at LL Bean like I do, then the L.L. Bean Credit Card is amazing. The no signup fee or annual fees is only the start. Everytime you shop with L.L. Bean you earn 3% bonuses that can be used in store or online. And if you are an avid shopper of L.L. Bean, then every dollar you spend not at store, you still get bonus rewards. There is a low interest rate compared to other store cards like the Express store card which is 25%, whereas LL Bean is only 14%-20%. Besides this, there are no other perks or benefits of rewards like Kohl Cards, but if you need to build credit (with decent credit already), or a credit card, and shop at LL Bean a lot, then you don't want to miss out on this card.
The Ink Bold Business Card is exactly that, a BUSINESS card. Whether spending thousands or millions of dollars worth of purchases each year for your business, Ink makes sure you see those rewards where you want them to go. With no annual fee, who would not love to get 50,000 points which is a $625 vouchers worth for travelling by only spending $5,000 in your first 3 months for business? And whenever using this card for business transactions, points will quickly be earned and applied to the frequent travel program of your choice. The last incentive of course is the $0 foreign transaction fee, which is extremely useful when conducting business overseas. The only thing about this card is you have to have an excellent credit score to be approved. Some people might complain about the $95 annual fee, but remember, this is a business card, not a personal credit card. And when using this card and encountering issues, you can rest easy knowing your issues will get resolved in a friendly manner. However, if mileage is your main concern, there are other cards like Capital One that give more mileage per dollar usage.
The Tire Kingdom Store card is a card that most people can do without. This card is really only useful to those who often buy tires, and let's be honest, who buys multiple sets of tires each year? This card offers little incentive to use it's card in the first place. Yes, there are no annual fees, no interest for 12 months, and no sign up fee. But, this card has NO rewards! To take advantage of the no interest for 12 months, you must spend $700 dollars. If that were the case, I'd rather use my airline mileage card and get 700 mileage points. The $50 voucher they offer is not worth it to me, just to open up another store credit card. If you find yourself making multiple stops getting oil changes or tire changes, and don't necessarily have a great credit score, this card is probably more likely for you than it is for me.
I love using my Cabela Credit Card to buy gifts for my bf at Cabela's. Cabela's has any and every outdoor activity tools needed, and their fudge is to die for! When using this card, there is no annual fee, no signup fee, and no maintenance required! You gain 2 points for every $1 you spend in store, which gets you discounts on gear at Cabelas when you accumulate enough. You also gain points if using it anywhere else, so if you love to buy sporting goods, this card has great perks! This card also has one the lowest rates I've seen in credit cards, starting at only 10%. Make sure you have a good credit score when applying though, if not, chances are you will be declined.
The Capital One Platinum Credit Card is a decent card for people just starting off. There are several unattractive features at first, like a $19 annual fee, a high %25 rate, and no rewards. To me, this is one of the biggest features that detracts from this card, because when I spend money, I like to have the feeling I am getting something back out of using it, even if it is points that take years to accumulate. However, this card has several features that makes it stand out from its competitors. First, 24 hr road side assistance is a HUGE plus! If you don't have AAA, just make sure you have this card! $0 fraud liability if your card is stolen, so pretty much this card has your interests first and foremost. And for those who travel overseas a lot, like I do, this card has NO foreign transaction fee. Bottom line, if you are looking for a card that low maintenance, but has several perks to take advantage of, especially if going overseas, the Capital One Platinum Credit Card is a great card to have.
How can you go wrong with 0% APR and no annual fee? The Blue Sky American Express card is very good card, hence you have to have an excellent credit rating to obtain one. With a bonus of 7,500 points (after $1000 spending in your first 3 months), you practically have a $100 dollar voucher for travelling for using your card. With a 1:1 ration you can use this card towards any $100 voucher, whether its air, hotel, cruise, or hotels. The foreign transaction rate is slightly higher than most cards at 2.7%, and a 17-22% interest rate which is also on the higher side. But if you are looking for a card that is easy to maintain and get's you some perks, this card has a lot to it. If you are looking for more mileage or options for rewards, there are other cards from airlines themselves that give double miles.
This card seems very basic with little options. It is a good prepaid card for those who just want a credit card with no perks or benefits. There are no hidden fees, which is very favorable, for cancellation or signup. The $2 out of network fee though seems high. If you deposit twice $250 they add $50 to your account which is decent. Free money. This doesnt seem as attractive as vanilla, but having the option to add money, and then withdraw money is a highly desirable card in my opinion. It is a hybrid of a credit card and an atm card. What also is cool is that you can email money to someone, none of my cards can currently do that. If only able to add points through spending, this card would be awesome! The only question is how easy is it to add funds to your card, and where can you do it?
This is pretty much my default credit card that I use. USAA excels in customer service, way beyond any other credit card company. I have a low rate at around 9%, but since I pay on time, I never have to pay interest. I have used this card overseas, and every time I call to inform USAA I will be overseas, I am greeted with a friendly voice that always sounds interested in me as a customer. I have over the years accrued thousands of points, but to be honest, I have never used them before. There is no monthly or annual fee, and have never had any issues with security. I use to pay with my atm card for things, but credit cards are much safer, and with USAA, all my friends who were not military are jealous they do not have this card! Only thing is, after being a customer for over 5 years, I still have not received an increase of line of credit.
This is one card I cannot do without! First, Kohls is amazing by itself. But an extra 15% to 30% off WITH also using coupons just equals to more savings! There is no signup fee, 25 day grace period if you forget to pay (like I did one time), and again, extra SAVINGS! Having this card for over 5 years already, I have easily saved over several hundred dollars. And for those who think Kohls is only clothing, you are wrong. One time they had a special on Ghirardelli chocolate, BOGO, after using my card and savings, I spent $1 for two boxes of chocolate that usually cost $10. The store also offers free shipping and now I dont even have to go to the store to get what I want. Can't wait for black friday!
I have this Bank of America Power Rewards Card and love it. Getting a $50 initial bonus is fantastic with the option to earn points without limits. The initial $50 only requires spending $500 within 90 days, very easy to achieve. There is adequate protection with the cards chip I feel, and have not ran into any issues, especially with the 0% liability. The intro of 12 months 0% is great, but the max apr is high. If this credit card wasnt bank of america, it would get higher ratings. However, Bank of America has horrible customer service and lots of ways to try and rip of its customers.
This Carnival Credit Card seems amazing for those who enjoy going on cruises, especially when the cruise industry is exploding in Asia. The $5,000 first 30 days is a little steep for me if first getting this card, but the $1 fun points seem interesting to have for cruises. This card would ONLY be beneficial for those who are looking to go on cruises often though. The foreign transaction fee is also not too high if travelling overseas, but the max APR of 27% seems very high. The fact that there is a 0% intro rate for the first 12 months is appealing, but what happens after the 12 months to determine 14% or 20%?