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I've used the Gap card for so many years I've lost count. If you're someone who carries a balance, the interest rate is simply awful. If, however, you pay off your balance on a monthly basis, you'll be accumulating bonus points that you can use to buy clothes at any of the stores under their umbrella. I definitely have taken advantage of their card member only offers too many times, thus raising my membership to the Silver level, which gives you even more benefits than their regular card. All in all, it's not a bad card, if you use it properly. If you don't you can get into trouble with that high interest rate. I've been there, and don't recommend it!
This card won't win any awards, but it is a fairly responsible card to have in your wallet. You have to pay it off each month, so you're not going to get into as much trouble as you could with other cards that let you carry a balance. I love how quickly you can accumulate points, though. I don't love the annual fee, because I tend to not see a benefit to cards that have an annual fee. However if you use a credit card for any and everything, and pay it off at the end of the month, you could be a candidate for this card. I will say that AmEx's customer service is great. When I have had to contact them for a dispute, they've taken care of everything without having to hassle them. Truly exceptional for this industry!
The Ink Bold card is ok. There's an annual fee of $95 after the first year. I tend to avoid paying an annual fee if I can help it. If I do pay a fee, it's because I get a great benefit from the card, and I don't see how that's possible with this card. I suppose if you are spending a lot of money per month on the card, you'd get a decent amount of points that could be redeemed, but I typically shy away from the gimmicks of points, etc. Card companies can always change the terms of these programs and I've been burned. The last rewards card I used abruptly quit their points program, and when I went to cash out what points I could, there was absolutely nothing left to choose from. So be careful!
Not a whole lot to like here. The interest rate on this super high. I can't imagine carrying a balance on this card. I have a credit card through my local credit union and the regular rate on the card is 7.99%. If you have decent credit and tend to carry a balance, you can do better. Now if you're using this card strictly to buy gas and pay it off monthly, you might be able to see some benefit in this card. You can earn up to $.08 off per gallon of gas, if you purchase between 75-110 gallons of gas a month. That's a lot of gas for me, so this card wouldn't be useful to me, but as always, your situation might be different.
I love this card! You earn a decent amount of points that can be used for other purchases. There's a great balance transfer rate of 2.99% for 12 months right now, and that's pretty low. However I have a Discover IT card that recently offered me 0% interest on balance transfers for 18 months. There's no cash advance fee, and the interest rates on cash advances are somewhat low. This Penfed card is a great for someone who wants to use a credit card to accumulate points and get gift cards or other benefits from trading in their points.
This card has some good things going for it. There's no annual fee, and for people traveling outside the US, there's no foreign transaction fees. My first credit card was a CitiBank card, and it had an annual fee that was $100. It also charged me crazy fees when I was traveling outside of the country. Because I wasn't familiar with the terms of the cards, I was very surprised when I got my statement. Another thing I like about the Capital One Journey card is that you pick your own due date. So if you get paid at the end of the month, you can pick a date that ensures you have money in the bank to pay your credit card. The cash advance fee is not too high, but think twice before using it! It's a surefire way to get into trouble with your credit card.