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This card (AT&T Credit Card) has a rather large difference in rates, from 13.99 to 23.99 percent, and it makes me wonder if the rate itself fluctuates more according to the wishes of the credit card company than what I actually do with the card. The points system is a joke; spend $50,000 and get a $500 gift card for music and games? That seems outrageous, and I'd personally rather stick with a card that allows a person to get points toward travel, like the JetBlue card. All in all this seems like a decent card if you're a heavy AT&T user, but there doesn't seem to be much else going on here in the way of rewards.
This seems like the ultimate traveler's card, though the annual fee is unfortunate. If you like to travel, are able to pay off your balance in full every month and can manage your money effectively, this is a decent card. Most of the fees and rates (cash advance, foreign transaction fee, late fee, etc) are similar to cards that I use myself, such as the Chase Slate card. The APR on the JetBlue credit card is reasonable, and $40 in fees isn't terrible if you're planning on getting the most out of their promotions and point system. Otherwise, stay away.
I have always disliked Western Union's business model, and with the advent of Paypal I'm surprised that this company isn't already gone. This Western Union prepaid card boasts most of the same things that other prepaid cards offer, except for the fact that it seems like doing anything with the card itself will result in a fee. It is outrageous to think that every trip to the grocery store would add an extra $2 to my total simply because my money is being routed through Western Union. This is a pretty disgusting business model, one that preys on the poor and those that are unable or unwilling to open a checking account through their local bank. No thanks.
The terms on this card are terrible. It appears to have been specifically designed for people that don't know how to properly manage money, or how interest works. The APR is insane, and the 0% for 18 months is just a way to trick people into dropping $1000 on equipment then forgetting to pay it until it's too late. Without the chance of a balance transfer, I can see how easy it would be to be stuck in an interest hole that it's impossible to dig yourself out of.
It seems like this is a decent value prepaid card: no fees, free customer support, etc. However, the fact that there is an ATM fee kind of bothers me. I have little doubt that there is some incentive for MasterCard to have people tying their Social Security of Supplemental Security Income benefits to a card, I just don't know what it could be. Something isn't right here. I understand that there is a certain amount of convenience involved in not having to cash a check, but nowadays a lot of banks allow you to deposit checks with a smartphone. Obviously, not everyone has access to a smartphone, but cards like this will be obsolete very soon.
I have never used a credit card that does the whole point system before, preferring instead to have lower interest rates. However, as someone that is able to keep their spending in check and likes to travel, it might be worth looking at the Hilton HHonors credit card in the future. I like that there are no blackout dates, and no annual fees. The late fee is a little steep, but that shouldn't be a problem if you use the card responsibly. That cash advance rate is also a bit ridiculous, but there's an easy solution to that: Don't use a credit card to pull cash out of an ATM.
I signed up for this credit card initially because I only had 1 before this and I needed a balance transfer. Mint recommended that I sign up for Slate due to a 1 year no interest deal, and I decided that I would pay it off in full before interest kicks in at the end of August of next year. So far I am well along in my goal and it seems like I will actually be able to pay it off before accruing any interest. If there is a downside to this card I would say that the interest fees are kind of high.