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Everybody needs to get gas...and BP is everywhere. So, using this card solely for your gas purchases at BP gas stations appears to have good benefits...if you pay the card balance each month. With a 20+% APR, I would not recommend this card to anyone who has trouble limiting their spending as they will pay way more in APR than they will receive in benefits. There is also no indication of an annual fee so that is something that should be confirmed before choosing this card.
This card would be a good option for anyone who frequently makes high dollar purchases that they have the means to pay off right away. This is particularly beneficial for frequent travelers as this card has no foreign transaction fees and allows you to earn cash back on incidentals. The only thing that concerns me is it does not indicate how many points you need to earn rewards, such as how many you need to get an airline ticket. Therefore, it is hard to weigh the benefits over the $450 annual fee.
The Lord and Taylor card seems to be a good option for any frequenter of this store. Like many store cards, it offers an initial percentage off your first purchase. Additionally, it has no annual fee. One thing to take notice of is there is no mention of the APR. This leads me to believe it is probably rather high. Therefore, if you are not someone who can pay off your full balance each month, the APR may negate any discounts available with this card.
While the 0% intro APR on Balance Transfers is great for someone switching over from a high rate card, the fact that this card has no rewards is a major drawback. As someone who travels a lot and puts high dollar purchases on my credit card, rewards of some kind is a must for me. The $0 liability on fraudulent purchases is also a must and a feature of this card.