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This Home Depot credit card provides no rewards and as near as I can tell is only good for purchases at Home Depot. I prefer Lowe's personally, so I wouldn't get much from this card. Furthermore, I always pay my credit card off monthly, so the fact that this card's only "boon" is the 0% interest rate for 6-12 months would not help me any. I never pay credit card interest because, as I say, I pay off my card every month. What does help me is the 1.5 percent back I receive from my Visa Travel Rewards Card for money I would have spent anyway.
This Lowe's credit card is a useful card if you are going to purchase a lot of items at Lowe's, especially say if you have recently purchased your own home. However, I am not and have not. As I also currently live abroad, this card would not do me any good--unlike my very versatile and useful Visa Travel Rewards credit card.
This Shell Credit card would be of no use to me. I have no car so therefore only providing "rewards" in the form of fuel discounts would not save me any money. What does save me money is my Visa Travel Rewards Card, which provides me up to about 1.5 percent back by reducing my monthly bill.
This Chase Freedom card provides a very fair deal for rewards that seems pretty comparable value-wise to what I receive from the my Visa Travel Rewards Card. However, I don't like that it carries a 3 percent foreign transaction fee, which my Visa Travel card does not. Living abroad, this is a critical benefit that would quickly override the value of any rewards program.
I am genuinely impressed by this Best Buy credit card. It doesn't have a foreign transaction fee. I have the same benefit from a Visa Travel Reward credit card. However, the max rewards I can reap from that card is about 1.5 percent and that is only if I have made sufficient travel purchases first. Conversely, this card boast a minimum 2 percent reward rate (and that's if you never shop at Best Buy even) as well as free shipping when you do shop through the Best Buy website. Great deal!
This Old Navy Credit Card doesn't offer me as good a deal rewards-wise as my Visa Travel Rewards Card. This card only offers the equivalent of 1% back through the points system. Conversely, I receive at least 1.5 percent back through the points system of my Visa Travel Card and they don't take on any foreign transaction fees for purchases made abroad. This card tacks on an extra 3 percent.
I would never choose this credit card because it offers no rewards and carries a 3% foreign transaction fee. Conversely, I am much happier with my Visa Travel Rewards Card, which carries no foreign transaction fee and through it's rewards program, allows me to reap 1.5% of my spending back each month!
The Banana Republic Credit Card does not seem to give a very good return on "investment" compared to my Visa Travel Rewards Card. Barring a few gimmicks at limited stores, this card only provides 1 pt/dollar spent. 200 points converts to $10 that can only be spent at Gap, which is only a 0.5% return. Conversely, my Visa rewards card gives me 1.5 pts/dollar spent, which I can redeem in a variety of ways. Of best value, I can either receive the equivalent of 1% directly cash back or 1.5% credited to my credit card bill (so long as I have made sufficient travel related purchases). In either case, my Visa rewards card leaves me with more money in my pocket that I am free to direct however I choose than this poorly paying and limiting card.