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I applied and was initially given a $500 credit limit, which went up to $750 within the year. The 0% APR feature is an incredible offer. This allows you to essentially extend out purchases for the cash value you spent and not pay interest. I utilized this as often as I could before the promotion period ended. The online and mobile app for Capital One is very good. I get reminders when my bill is due and can easily pay my bill on my mobile device. Great card so far!
The 2% annual rebate on Menard's purchases, along with the 1% rebate on purchases at Speedway, Holiday, Kwik Trip Stores and Kwik Star Stores is slightly above average and the sole reason I give this card a 4 star review. The 24.99% APR is quite high, but the 25 day grace period is higher than what I have typically seen with other store cards. My Target card has a 22.99% rate and 5% off all purchases when I use the card, that one is hard to beat!
I have to say, the first thing I noticed was the 26.99% regular APR rate, wow! The bonus structure of $10 for every 1,000 points earned doesn't really appeal to me as you receive TJX certificates versus cash value. The 23 day grace period is nice, but I've seen this being offered more and more lately. My Capital One card offers a 16.99% APR and cash rewards and I have been very satisfied with Capital One to date. I just don't believe this TJX card is something that would be appealing to folks, even those who shop at TJ Maxx, Marshalls or HomeGoods often.
I really love the 0% APR for the first 12 months and the rather lower end 13.99% - 23.99% regular APR. My Capital One card only gave me a 6 month no interest, and the rewards program looks very appealing! Earning up to 50,000 points year (equal to $500 in rewards) is outstanding. I do wish the rewards could be redeemed as cash value like my Chase and Capital One cards offer. Getting discounts on AT&T products, 10% first year and 5% thereafter is a nice bonus.
The Best Card card is great for those large entertainment, computer or even appliance purchase where having the cash on hand can be difficult. My card came with 0% financing for 12 months, which was a great perk when I had to buy a new computer for both home and work at the same time. The interest rates are a little high overall, but its a give and take with the 0% financing options that are typically available. I would recommend for large purchases, not games and movies, etc.
Really a rather standard credit card. The interest rates, late fees, cash advance fees and reward points accumulation is very similar to my Capital One Quicksilver card. However, the reason I give this card a 4th star over a 3 star rating is the 10% customer bonus points on total purchases with a Bank of America account! the maximum penalty APR is 29.99%, which I find a little excessive, but pay the bill on time and no worries.
This is a great low interest credit card! As low as 13.99% for a credit card is rarely heard of these days. The reward and coupon potential are also appealing. My Lowes card gave me the option for 5% off purchases or 18 months no interest on special financing during a certain period with minimum purchase amounts. The normal interest rate was set a 24.99% AND it's typically a higher purchase use card the the L.L. Bean card! The late fee is on par with the industry standard, and the 23 days for a grace period is very Generous!
Great card for the frequent traveler. The more you spend on gas per month, the higher the rebate per gallon. The terms such as the $35 late fee, 25.99% cash advance rate and no over-limit fees seem to be pretty standard across the board today as it is with my Capitol One Quicksilver and Cash Rewards cards. The drawback being a no introductory APR, but that can be offset if you spend a great deal on gas each month. Don't overlook the 90 day double rewards introductory period, that could pay off greatly,