+ 100% FREE
+ Unlimited Credit Reports
+ Unlimited Credit Scores
+ Credit Monitoring Protection
+ Credit Improvement Tips
+ Automatically Finds Savings
No credit card needed
This was one of my first credit cards. The lack of annual fee was nice. My credit limit wasn't terribly high but this was just a starter card for me. Watch out for the APR. They can really catch you there. The card website was easy to use and they would flag my card for any activity they found weird. That was helpful when someone cloned my card and bought $800 plane tickets.
I have this credit card and am mostly happy with it. When I got my card I got the Receive 30,000 bonus points after $1,000 spent in your first 3 months from your account opening offer along with the 2 free night stays upon account approval. I was able to use these free nights when attending my favorite science fiction convention which I loved. The 3 points per $1 spent at Marriott is a nice deal. I don't actually travel much beyond my various con forays. The 1/$1 for all purchases is pretty standard. I wasn't overly impressed with the APR and whatever you do, don't end up with the penalty APR. I'd prefer not paying an annual fee but this is pretty standard for rewards cards. I'd recommend this card for folks who travel and stay at Marriotts at least 3 or 4 times a year if not more.
It goes without saying that the AAA Member Rewards Credit Card is the best deal for AAA members. You earn 3 points per $1 on AAA and travel purchases which is a very nice perk if you travel a lot. You earn 1 point per dollar spent elsewhere which isn't that exciting. The APR ranges from 12.99% - 22.99% which goes from decent/good to never carry a balance land. There is no annual fee which is a big plus. A lot of rewards cards have crazy annual fees which can sneak up on you. For comparison sake, I also looked at the Citi ThankYou Preferred Card. That card also has no annual fee and the APR rate range is the same. It offers 2 ThankYou Points per dollar spent on dining at restaurants and entertainment and 1 point per dollar on all other purchases. They also offer 20,000 bonus if you spend $1500 in the first three months which is worth $200 and 0% intro APR on purchases and transfers for 12 months. If you are a big spender this card may be a better fit. For AAA members who like a simple rewards system the AAA Member Rewards Credit Card is a good deal.
The Platinum Card from American Express may appeal to the high end business user but for most people it won't be worth the money. The annual fee is a whopping $450. If your credit is good enough to be approved for the card, you can really do better although the perks may make it worth it for you. With the card you earn 1 point per dollar spent. You also earn 40,000 points if you spend $3,000 on purchases in your first 3 months. As it is an Amex the balance must be paid off each month. There are no foreign transaction fees and they offer a concierge service. This would be useful for an international business traveler. For comparison sake, I also looked at the Blue Cash Preferred from American Express. The annual fee on that card is only $75. The Blue card does allow you to carry a balance and the APR is between 12.99%-21.99%. With that card you earn between 1 and 6% cashback. If you spend $1000 in the first three months you get a $150 statement credit. I'd suggest this card for international business travelers with expense accounts. For users on more of a budget the Blue Cash Preferred or other rewards cards are a much better deal.
For someone just starting out or trying to rebuild credit the Wells Fargo Secured Credit Card seems like a good option. A big plus is the annual fee is only $25. That's cheaper than a lot of unsecured credit cards. The regular APR is 18.99% which is high but if you don't plan to carry a balance you don't need to worry about it. I like the fact that it has built in budgeting tools as that can be challenging when dealing with credit cards. For comparison sakes I also looked at the Capitol One secured card. That card has a 22.9% APR and a $29 annual fee. Both cards offer travel emergency and roadside assistance services. Both cards are also issued by a well known bank which is a plus. If you are desperate to build/rebuild credit and don't plan to carry a large balance then the Wells Fargo card is a good option.