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The Citi Hilton HHonors Visa Signature Card is for cardholders with an Excellent credit score (FICO score above 720). With this card, there is a 15.24% - 19.24% interest rate, depending on your past credit history. There is no introductory 0% interest rate. There is no annual fee with this card; however, the maximum late fee is a hefty $35, and the maximum penalty APR is 29.99%. The grace period is 23 days, which is more or less the median time frame for most cards. Additionally, there is Smart Chip technology in this card, which is a special kind of payment verification. Balance Transfers are not allowed with this card. With regard to rewards, this card gives 40,000 Hilton HHonors Bonus Points after spending $1,000 within four months of your account opening, 6 HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton portfolio, 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations, and 2 HHonors Bonus Points for each $1 spent on all other purchases. The 6 points you can earn at participating hotels is the maximum number of points you can earn per purchase. You also get Visa Signature Benefits, including concierge service. The 40,000 Hilton HHonors Bonus Points earned can be redeemed for nights at certain Hampton Inn & Suites, Embassy Suites Hotels and DoubleTree by Hilton and Hilton Hotels & Resorts. It is important to note that the Hilton HHonors Bonus Points offer is not available if you have had a Citi Hilton HHonors Visa Signature Card account that was opened or closed in the past 18 months. The points you earn will never expire as long as you have qualifying HHonors activity at least once every 12 months, so they essentially do expire if you're not using your card frequently. You get complimentary "HHonors Silver Status" as long as you're a Citi Hilton HHonors Visa Signature cardmember, which includes benefits like a 15% bonus on HHonors Base Points earned and complimentary access to the health club or fitness center at select hotel owned and operated facilities. There is Travel & Emergency Assistance, Worldwide Car Rental Insurance, Lost Baggage Protection, $0 Liability on Unauthorized Charges, Damage & Theft Purchase Protection, Worldwide Travel Accident Insurance, EMV Chip Technology, Citi Price Rewind (they search for a lower price after you buy something, and if the same item is found at retailers’ sites within 60 days, you can be refunded the price difference), and Citi with Apple Pay (you can pay in-app). With each of these services, it is necessary to read the complete details regarding who's covered, what's covered, what's not covered, and coverage amounts that will be provided upon cardmembership. Overall, this card is great if you travel frequently (more than once or twice a month). The most benefits can be earned if you stay at Hilton, however, as there are other credit cards that offer better points on things like restaurants and entertainment.
The Amex EveryDay Credit Card from American Express is for cardholders with an Excellent credit score (FICO score above 720). With this card, there is a 0% interest rate on purchases during the first 15 months of usage, as well as a 0% interest rate on transfers during that same time period. The regular interest rate afterwards ranges from 12.99-21.99$ depending on your past credit history, and while this is slightly high, good credit can keep it closer to the minimum. There is no annual fee with this card, no annual fee for additional cards, and no maximum overlimit fee. However, the maximum late fee is a hefty $38, and the maximum penalty APR is 27.24%. The grace period is 25 days, which is more or less the median time frame for most cards. Additionally, there is Smart Chip technology in this card, which is a special kind of payment verification. With regard to rewards, this card gives one year of Amazon Prime membership, as well as 10,000 Membership Rewards points after you have made $1,000 worth of purchases within the first three months. You do get automatically billed every year after that so if you do not want to continue the membership you have to remember to cancel. If you make 20 or more purchases during a given billing cycle, you can earn 20% more points on those purchases. US Supermarkets earn you double the points until you've reached $6000 in purchases there, and then reverts back to 1%. Other purchases earn you just 1%. For those who travel, there is a Membership Rewards "Pay with Points" program that allows you to pay for part of or all of a flight and prepaid hotel stays; however, there is a foreign transaction fee is 2.7%. You can transfer points to over 20 frequent traveler programs. Second, there is car rental loss and damage insurance, and depending on specific details, you can be covered for a stolen or damaged vehicle. Third, there is a Roadside Assistance Hotline, though you have to pay for third-party service costs. Fourth, there is a "Global Assist" Hotline that helps with sudden changes in plans that you may need guidance with when you travel more than 100 miles from home. Last, there is travel accident insurance. This covers accidental death and dismemberment in specific circumstances. Overall, this is very good coverage for those who travel and want some kind of benefit that goes beyond simple monetary rewards. When shopping, the card can add up to one year added to the manufacturer's original warranty, as long as it is a warranty of five years of less. If a store won't take an item back within the first 90 days of purchasing it, you may be refunded the full price if eligible. There is purchase protection, dispute resolution, and "ShopRunner," a 2-day shipping program with free returns. The Membership Rewards Program allows you to use points for rewards with over 500 brands, and there is no limit to the rewards you can earn. This is a great card if you travel and also make purchases regularly. If you have excellent credit, as this card requires, you shouldn't have a problem with any kind of late fees.
The U.S. Bank Visa Platinum Credit Card is available to those with excellent credit (a FICO score of above 720). This card does not offer rewards, such as cash back for purchases, which is a major drawback for many card users. However, if you have excellent credit, as is required for using this card, having the funds to make purchases and payments isn't an issue. The interest rates are low, with 0% for the first 15 months you use the card. Based on your creditworthiness, you may start with a rate of 10% after that period, which is fairly competitive. Some smaller, lesser-known cards offer slightly lower rates, but can be harder to get. Additionally, there is no annual fee. If you have a US Bank account, you can view current statements, account history, make a payment from your U.S. Bank Checking or Savings account. There is a 24 day grace period, $0 fraud liability, Fraud Protection, and online account alerts. One's credit limit can be raised over time, and shouldn't be lower than what one needs to start with. Customer service for this card is generally good, with help knowing what to do and helping resolve the issue. US Bank also offers additional benefits. One is FlexControl, which is a free online tool that can help you avoid interest fees and late fees with automatic payments. This is designed to help you pay a balance faster. U.S. Bank also has Overdraft Protection, which can automatically transfer funds from a U.S. Bank Visa Platinum account into your checking account. Balance Transfers to a U.S. Bank Visa from higher interest rate credit accounts are also possible. Online banking customers can receive an Experian credit score for free. while this is nice, it leaves out reports compiled by TransUnion and Equifax, the other two major credit bureaus. Consequently, it is not going to be a complete overview of your creditworthiness, and it is recommended to check your FICO score and Vantage Score as well, as they are the two most widely-used scores. Last, cardholders can pay bills online to a variety of companies that do not normally accept credit cards including insurance companies, electric utilities, and telephone service providers. This bill pay service is free. A drawback of the card is the Balance transfer fee. The U.S. Bank Visa Platinum Card charges a 3 percent balance transfer fee, something that other cards do not. Also, this 3 percent fee is only for the first 30 days. The card also offers car rental insurance is useful, but this benefit is also available with many other credit cards, and has been known to have strict rules that, if not followed, can cause confusion. If you have fair credit and are looking to pay off large credit card balances, can deal with the transfer fee, and appreciate a free credit score, this card is a good choice. If you have excellent credit and little to no credit card debt, a card with a rewards program is a better option.
The Chase Slate credit card is for those with excellent or good credit (660 and above FICO score). I think it's a great card for those who fit into this credit range, as the interest rate for purchases is 0% for 15 months, and the regular rate afterwards can be as low as 12.99%. Some cards can start at 18%. There is no annual fee, and the grace period is a fair 21 days. However, there are no rewards. Because this card is for those who fall into a lower credit score, the fact there are no rewards is a good thing, because there will be no enticement to make purchases simply to get accumulate rewards. Ultimately, the benefit of the card is that it is standard and allows you flexibility without any unnecessary extras for new card holders. The card also offers 0% interest on Balance transfers, which is a optimal for paying off any other credit card on other higher interest cards. This is also the only nationally advertised deal with no transfer fee. The max late fee is $35, which is very fair, and just enough to cause new card holders to want to avoid the charge again without too much a punishment. Some cards can charge as high as $50 in late fees. The card has good customer service, and online transfers are easy to do as well. Payments can be made using the Chase app also. There are text messages and email alerts which remind you to make a payment. An interesting point to note is the vertical card design, as opposed to the standard horizontal one. I think the look of the card affects how people perceive and use the card, and because it's not as typical-looking, and perhaps not as aesthetically interesting otherwise, it may deter people from using it as much, which may be a helpful thing if you're trying not to spend but still need a card. It's a psychological connection, but worth noting. The Chase Slate also has "Blueprint," a budgeting tool which helps you save money on interest and stick to your goals of paying down balances quicker. Just by having the card, this is completely free. Chase claims that customers who set up their plan and and stick to their “Split It” or “Finish It” Blueprint plan usually pay their balance two times faster compared to their other cardholders. This obviously saves a lot of money over time, and is a unique tool. The Chase Slate card is good for those who are looking to build up their credit, or simply don't need a card with any extra bonuses. It is helpful to have in case of emergencies, and with the 0% introductory rate, you're not paying interest for the first year, which means you don't have to pay off the bill right away, a nice perk for those who do pay in full and on time. Even though there are no rewards, the simplicity of the card and how it encourages you to work to get better credit is the real reward of the card.
The Capital One VentureOne Rewards credit card is a great card for those who have excellent credit (a FICO credit score above 720). The rewards of the card are fairly competitive, with a bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, unlimited 1.25 miles on every purchase, every day, and there's no limit to how many rewards you can earn and redeem. There are also no blackout dates, and the miles you earn do not expire. The maximum late fee that can be charged is $25, which is not bad, but if you're using this card, late fees are not something you're generally going to have. The grace period is 25 days, which is unique compared to the standard 21. As a traveler, it is important to note that there is no foreign transaction fee. This is a great benefit especially for those who travel abroad frequently or make purchases over the internet as you won’t have to pay any foreign transaction fees when you pay in another currency using your card. Most cards charge about 3-5% as a foreign transaction fee. The ability to use accumulated miles towards my statement credit has been an added bonus. If you don’t intend to travel, you also have the choice to redeem miles for cash back, merchandise, etc. This redemption flexibility is also one of the top benefits of this card. With regard to safety of the card, you can get alerts about your account anytime, enjoy $0 Fraud Liability if you lose the card, have access to 24-hour emergency assistance if you need a new card or an advance on cash, and can personalize the card with an image that you choose. Additionally, you can use the card to rent a car AND be covered for accidents, a massive benefit for those traveling. If you travel every once in a while or go on a large vacation every few years, this card is great; however, if you plan on spending more than $8,000 a year, then the alternate Venture card would be better. There is a $250,000 travel accident insurance, and if you pay for you or your family’s travel tickets with the card, you will automatically be covered under the travel accident insurance plan. If you buy a new item with the card and it comes with an original manufacturer’s warranty of three years or less, the Extended Warranty doubles the original warranty time period to up to 12 months on most items that you buy. Also, within the first 90 days from the date of purchase, the Purchase Security will replace, repair, or reimburse for eligible items that were paid fully with a Visa Signature card, up to a maximum of $500 per claim and $50,000 per cardholder, if items get stolen or damaged. As someone with excellent credit and who does traveling, I think highly of this card because it rewards me for being timely with my payments. They also have excellent customer service, and the website is very well-designed and it makes purchases and points very easy to track. While you do have to wait to hear about approval, it's worth waiting for.
The Chase Freedom credit card is a great option for those who have excellent credit (a FICO credit score above 720). The rewards of the card are fairly competitive, with a $100 bonus after spending $500 in your first three months, a very easily-obtained bonus and a major selling point. Not only do you get that, but once you add an authorized user to the card and make a purchase during that same three month period, you get another $25 bonus. A total of $125 for simply signing up and using the card! With 5% cash back on different categories every three months, such as gas, restaurants, and Amazon.com, and 1% cash back on all other purchases, there's really no reason not to choose the card. While the standard 1% is competitive among cash-back cards, other cards do offer above 1% on all purchases; however, those cards don't have the 5% categories like the Chase Freedom card does. There is a limit to the spending that qualifies for 5% back, but it's high (up to $1,500 in category spending per quarter when you sign up). This means you can earn 5% on up to $6,000 of spending every year. In 2014, the Chase Freedom 5 percent cash back categories were Q1 (January 1-March 31, 2014): Gas stations, Starbucks, stores, and movie theaters, Q2 (April 1-June 30, 2014): Restaurants and Lowe's home improvement stores, Q3 (July 1-September 30, 2014): Gas stations and Kohl's, and Q4 (October 1-December 31, 2014): Amazon.com, Zappos.com and select department stores. As you can see, gas appeared for half of the year which is a great reward for a common purchase. Some cards come with high redemption thresholds (you have to redeem a certain amount of rewards to get the cash), and as a result, the cash back you've earned will not be usable until you've reached the threshold. To redeem cash back you have earned with Chase Freedom card, you need a minimum of $20, which is not too high, and shouldn't take too long to earn considering the nature of the rewards of the card. The money can be used for statement credits or direct deposits. Additionally, you always get a full 1-cent-per-point value, which means your rewards do not lessened when you redeem for cash back. The cash back can be used for travel, merchandise, concerts, games, gift cards, and paying off your balance. As someone with excellent credit, I think highly of this card because it rewards me for being timely with my payments. The maximum late fee is $35, which is not bad, especially if you pay your bill in full and on time. There is a grace period of 21 days, which is also helpful, and a nice cushion to have. There is no annual fee, and you can let your rewards add up without worrying if they will expire. There are also no inactivity fees. They also have excellent customer service, and if you have a Chase checking account, payments are even easier to make. Monitoring activity on the card is also just as easy.
I like the Walmart card because it is in the Discover network. Discover is a great credit card and the one I use. The max late fee for this card is low, you can earn up to 1% cash back which is always useful, and the opportunity to save 5¢ per gallon at a participating Walmart gas station is a nice bonus. If I could make a suggestion about a change to the card, I would suggest a higher return on cents per gallon, as it would encourage more people to join up or make an effort to go to those stations.
Using the Discover It card has been a positive experience for me. With the cash back categories, the 5% cash back on all online shopping that comes up from time to time, and the Shop Discover option, I've been able to make great use of the shopping I do online. 0% for 14 months is an introductory rate that can't be beat, and the interest also stays low after that introductory period which I was surprised by. While it's not a good idea to not pay on time, you can get away with that a little more frequently. With regard to customer service, Discover has yet to let me down. Highly recommended.