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The AAA Member Rewards Credit Card is a great traveler's card to keep on hand during vacations or semi-regular use at home. The card requires a good to excellent credit rating and has APR's ranging from 12.99% to 22.99%, which is slightly lower than average. The card does not feature an introductory APR for purchases, but does offer an introductory balance transfer rate of 2.99% for 12 months. This option makes the AAA Member Rewards Card a decent option for consolidating other credit debt onto one card. The card also features a meager rewards program which earns one to three points per dollar spent. Don't expect to earn much back on the program, but it is better than zero return. This card also has smart chip technology making it easier to use the card abroad!
If Priceline is your choice website for online travel booking, then the Priceline Credit Card is probably a decent credit card to have on hand. The card requires a good to excellent credits score, but rates can come in slightly lower than average, ranging from 14.99% to 21.99%. The Priceline Credit Card rewards program is the number one reason to keep this card on hand for all Priceline purchases. There is a 10,000 initial bonus point amount, with earnings ranging from 1 to 5 points on each dollar spent. Rewards can include anything from airline tickets to statement credits. The only downfall to the card is its quick turnaround time due to a short 23 day grace period. If you can keep the card paid off each month and only use it for Priceline purchases, it can be handy and offer a small reward as well.
The Walmart Credit Card may be a good card to have on hand if you find yourself to be a regular shopper at Wal-Mart or if you tend to purchase your gas at their stations. The card requires a decent credit score, but still has a 22.9% interest rate, which would be higher than other rates customers may have on other cards. Overall it is not a particularly bad rate and stay inline with typical in-store interest rates. There are also no annual or monthly fees, making the card reasonable to keep on hand. The reward plan doesn't really pay out much of a reward, seeing that 0.25% is a fourth of what typical cards payback. The real reward for having the card is the standard five cents off of each gallon of gas you purchase using the card at Wal-Marts gas stations. This will quickly save you more than the rewards plan will ever pay out.
If you like Home Depot or have a large home improvement or appliance purchase coming up, the Home Depot Store Card may be the right pick for you. Overall there is nothing "special" about the Home Depot Store Card, but it can be helpful tool in larger purchases or tracking spending. The card has no annual or monthly fee, so if you do not use it, there are no additional costs. The late payment fee is somewhat standard at $35 and the average interest rates ranging from 17.99% to 26.99% are typical of most retailer cards. If you're planning on keeping a balance on the card and paying interest, you may be better off looking elsewhere. The real winner for the Home Depot Store Card are their introductory offers. The card offers a few different options depending on what is being purchased and as long as you can pay off the balance before the introductory period ends you can make improvements or buy appliances without paying any interest at all!
The First PREMIER Bank Credit Card is a credit card made to profit off of those who have no credit history or more often than not bad credit history. Because it is a tool used to attempt to approve credit, this card has extra terms that cover the risk involved with giving someone with a bad credit history credit. I would personally never use a card such as this, even if I was desperate to obtain credit. The terms and fees associated with this card make it difficult to keep up with payments and pay down balances. The card has a $95 processing fee, plus an annual fee that is $75 in the first year. I do not care for, nor have any credit cards that charge any type of fee. On top of this the First PREMIER Bank Credit Card also has a monthly fee that starts on the 13 month. The interest rate is also very high, 36%, compared to standard credit card rates which generally hover around 10-20%.
The American Express Prepaid Card is a useful option for the few people who may not have a bank account to use or for those wishing to give a gift, but not wanting to hand out cash. The American Express Prepaid Card comes with the excellent customer service provided by American Express for all its customers at a smaller cost. The card itself has few fees. There are no annual or monthly fees, which are common with bank accounts and credit cards. Secondly, transactions cost nothing, with the exception of ATM withdrawals. There is one free ATM withdrawal a month, which is the obvious downfall to this card. After the initial withdrawal, $2 is charged per withdrawal, don't forget the ATM you use most likely has its own fee to add on top of that. The benefit however, once you have the card is there is no cancellation fee, nor an inactivity fee, which is convenient since you can keep it around for later uses. Compared to other prepaid cards I have used, this financial tool is less expensive and less fee based than most, making it a good selection for a prepaid card.