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The Amway Credit Card has a nice reward system if you are a frequent consumer of Amway products, based on percentages instead of the typical "point per dollar" systems utilized by most reward cards. The 12 months of 0% interest rates on purchases is nice in comparison to other rewards cards which rarely offer this. However, those with excellent credit may want to avoid this card as it does not offer a very low bottom end on interest rates. However, even those with flawless credit may want to consider this card if they frequent Amway. Overall, this is a decnet rewards card, but nothing spectacular in any way.
I'm torn on the First PREMIER Platinum Credit Card, it is aimed to "help" people with bad credit by giving them an opportunity to have a card, but it seems to me more like a way to exploit them. Sure, I am all for giving people with "bad credit" a chance to dig themselves out, but this card seems a bit much. Huge annual fees, monthly fees after the first year, and an absolutely obscene 36% interest rate on purchases? This is just an insult and a kick in the ribs to someone who is already "down on their luck" because ofactions taken by the same groups of people who can issue a card like this. However, it is an option, and probably one of the only options, for some people. There must be secured cards out there with better terms than this, however.
The Huntington Bank Platinum Credit Card with WorldPoints Rewards is a decent card with a weak reward plan tacked on that is aimed at people with perfect credit. While it's hard for me to talk bad about something aimed at taking advantage of dumb rich people, to put it honestly, this card is mediocre at best. Sure, it has a nice 0% intro rate for a year, otherwise, there's not much upside to the Huntington Bank Platinum Plus Credit Card with WorldPoints Rewards, get the same thing without the rewards and without the need for perfect credit with the Slate by Chase. However, if you NEED to get the feeling of having a platinum card with some sort of "reward" this card is ok, I guess.
Like most store cards, the Nordstrom Credit Card is quite limited, this one in seemingly random ways. It does offer those with great credit the opportunity to have a good rate, so it is somewhat usable as a reward card/regular credit card. However, balance transfers aren't allowed and there are no introductory interest rates. Also, the Nordstrom Credit Card has a pretty weak reward plan, but unlike something like the Valero Card, it's at least useful for something. This card is ok if you like Nordstrom and shop there frequently. Otherwise, I'd go for a more bare-bones credit card with a good rate and no fees, like Slate by Chase.
As far as secured cards go, the Citi Secured Credit Card is rather typical, but does carry a decent rate on purchases. The annual rate isn't as bad as some, and the monthly/one times fees of...zero...is about as good as it gets. Also, with a plan to get an unsecured card after a year and a half, Citi provides an option of people with limited or bad history to build up their credit a little bit with this card. Also, the ability to earn some money on your CD is a feature that I was unaware of with other cards.
The main good thing about BJ's Credit Card is that it's a fully functioning credit card even with an introductory rate on purchases and balance transfers despite being a reward/points card. That is a bit rare, although the rewards program is a bit anemic. However, the 3,000 points = automatic 30 dollars is a nice bonus to an otherwise mediocre reward system. Also, it's nice to get a full rewards credit card without needing peerless credit. Although, compared to my Slate card, the rates are a bit high. Overall, this card is a decent enough option if you enjoy BJs.
As far as reward/store cards go, the Academy Credit Card is actually a good offering for people who frequent Academy Sports. This is a full-featured card that even allows those with good credit histories to have a decent rate, unlike other gas card/store offed cards out there (IKEA comes to mind at 25.99%). On top of a solid reward program, there is even a balance transfer fee that is in line with non-reward cards, along with an intro program with surpasses all but the best, at a full year of zero percent on both balance transfers and regular purchases. Bravo to Academy for making a solid offering to their customers, THIS is how to "advertise" IKEA, not just by handing out useless pieces of plastic with your name on them.
The IKEA Store Card is the typical terrible credit card offered by stores. It has an abominable interest rate (there's only one, by the way) and the only redeeming value to this card is you don't have to pay an annual fee. You don't even get a break from the INSANE interest rate on purchases during an intro period, as there is none, however this is pretty typical among other rewards cards, as they would not be profitable to any corporation if they did that as well. BUT get this...this isn't even a rewards card...there's no reward program attached to this terrible card. This is basically a little piece of advertising that is self funded by the suckers it is aimed at. AVOID.
Like other gas cards like the Valero Gas Card, the Sunoco Gas Card is useless unless you drive a lot, and even then it's useless for anything but that for the most part. Luckily there is no annual fees or it would have only been two stars. The balance must be paid off every month, LUCKILY you don't need even good credit to get it. If you are the owner of a large fleet of trucks are something to that effect is the only case in which the Sunoco Gas Card could possibly be worthwhile. For those specific people however, it may be a good option, if they have weak credit and can't get a formal business card, that is.
As is the case with many specialty rewards cards, the Sheetz Credit Card has no intro rates for either balance transfers or purchases. Unlike the Valero Gas Card, it does offer the ABILITY to transfer balances, but with a sky high fee of 5% tacked on. The regular interest rates are quite good in comparison to other reward cards however, and since the Sheetz Credit Card has no annual fee and doesn't require a spotless credit history, I can recommend it to people who will be able to take advantage of this specific reward program. The grace period is noticably shorter than some, though...if only by a few days.
I'm not a big fan of gas cards for the most part, but the Valero Gas Card seems exceptionally useless. The single locked rate of 23% is bordering on obscene when you consider how week the reward program is. There are no features to this card, no cash advances, no balance transfers, no introductory rates, just a single high rate and about 10% off the price of gas. the Valero Gas Card gets a big "no thank you" from me. If you have them in your area, the QuikTrip gas card is a much more comprehensive credit card, albeit still with the typical limitations that come with this type of credit card.
The BankAmericard Visa Fully Secured Credit Card is a decent enough option for those with limited credit histories or with bad credit, pretty typical for the type. However, you can get this one up to a $4900 limit if you can secure it beforehand. This seems different than the secured card I first got when I was looking to build my history. The annual fee and the interest rates are pretty typical for the type of card it is. With no monthly fee or any one-time fees, the BankAmericard Secured Credit Card is still a solid option for those in which it was intended.
The Spirit Airlines Credit Card is (obviously) a flight rewards card, and that's all it really has to offer, but it does it well. For example, its 4% fee on balance transfers is a bit higher than normal, and the minimum regular interest rate of over 16% is a bit hefty, even for a rewards card. However, if you are looking to fly a lot and use this card to pay for it, you will get what you are looking for out of the Spirit Airlines Credit Card. This card has annual bonuses, not just one-time for people who use it a lot, and also double rates on points, you get two miles per dollar. There are no limits on your miles, and you don't even need perfect credit to obtain this frequent flyer card. Also, this card is for the long term with no intro rates on balance transfers...I'll take my barebones Oklahoma State Alumni Card for the most part.
The Business Gold Rewards Card® from American Express is a great corporate card, or for the wealthy individual who makes travel a large part of their life. With the large point bonuses on gas and airfare rates and the need to spend 5k in the first 3 months to activate the full bonus points, it's obvious who this card is intended for. Also, it's definitely a business card and not suited to the individual as the balance must be paid off before at the beginning of every month. Unlike every other card I have had (including my Oklahoma State Alumni card) this has no pre-set spending limit. So you're free to "grow your business". Oh happy day.
For the console gamer with good or great credit, the Playstation Credit Card offers a nearly non-paralleled choice. Not only is the rewards program strong, with both a large bonus at first, and strong point multipliers covering a wide range of products, there's even a nearly year-long intro interest rate on purchases of 0%, which is a rarity among rewards cards of any sort, much less the ones with strong rewards programs and not being for excellent credit people only. Additionally, there is NO balance transfer fee, this is even more of a rarity for this type of card, my Slate has the same, but no rewards program whatsoever. Overall, this is a great card.
Overall, the RCI® Credit Card seems to be just an okay rewards card. Like most other reward cards, there is no intro rates on balance transfers or regular purchases. Also, the balance transfer rate is a bit higher than the standard, however, that may be so this card can be extend to people without the greatest credit. The reward program is a little bit weak in the long term, with half as much of a bonus as the Brooks Brothers Credit card, for example. However, with the initial bonus points in consideration, this may be a good option for a shorter-term card. Overall decent, but not perfect.
As seems about par for the course with rewards cards in my experience, the Brooks Brothers Credit Card offers no introductory rates on purchases or balance transfers, and the regular rates for both of these is about in line with other comparable cards. However, the foreign transaction fee is lower than many cards I have seen, and the max payout of 4 points per dollar spent for purchases made at Brooks Brothers is on the high-end of the spectrum as far as rewards programs go. So if you are someone who wants to use your credit card overseas occasionally and are a frequent customer at Brooks Brothers, then this card is definitely for you.
The Star Wars Credit Card seems like a decent option at first, but with good credit there may be better options out there. The intro rates for purchases and balance transfers is nice, but the duration is lower than some other options out there (alumni cards are good about this). Also, the 4% fee on balance transfers is a little bit high when compared to other cards that are intended for the same "audience", and much higher than the 0% fee on my Slate by Chase card. The reward system is a little bit lacking as well, with just a max earn of one point per dollar, some other cards give up to 3 points max return when used on some specific items. Overall, not a terrible card, but not flawless either.
The US Bank Secured Visa® Credit Card is a viable option for all of those out there with bad credit who are looking to build it a little bit. While the interest rates may be a bit higher than what you may hope for, for a secured card they are not outrageous. There are no monthly fees or one-time fees with US Bank Secured Visa® Credit Card, so that is a nice thing to have as someone with bad credit. Also, the basic fraud protection is about what you would expect with any Visa card. Overall a decent secured card for those who have to go down that road.
The Citi® Platinum Select® / AAdvantage® World MasterCard® Credit Card is yet another great card for those wealthy individuals who are flying constantly. The only way to make up for the so-so interest rate, and the lack of any introductory rates at all is to use this card constantly and to have the need to fly constantly. Additionally, you get charged a "membership" fee annually of $95 after the first year. This is a good option for those it is aimed for, however, that would be a small segment of the population, for the rest of us, there are better, no-frills options like the Slate by Chase card.
Another "just ok" rewards card here, this time it's the Zappos Credit Card. However, it does find its niche with those of us who happen to have an addiction for shoes. There is no annual fee, and the regular rates are ok, but for every upside of a rewards card, there is the down. There is no introductory rate, either for purchases or for balance transfers. Again, if you have a shoe addiction, then the Zappos Credit Card MIGHT appeal to you, but you have to wonder if that 1-3% off is worth all that you have to give up to earn it.
I'm not much of flyer myself, so the mediocre interest rates and lack of any sort of introductory rates in lieu of a traveler's reward program really turned me off to the BankAmericard Privileges® with Travel Rewards Credit Card pretty quickly. If you're a frequent flyer, then the program probably makes this a decent option. The other thing that made me cringe a little bit is the fact that there is an annual fee unless you overuse the card, after the first year at least. There's quite a few little perks that wealthy travelers will probably enjoy taking advantage of, but overall this seems a rather mediocre card for most people.
I love the fact that the First National Bank of Omaha American Express® Credit Card has no annual fee, and that the reward system they have is much simpler than any other. I rather just have a lower rate the some gimmicky rewards, but if I am going to have one, I'd much prefer one like this. Also, a year with no balance transfer fee and no interest rate on purchases is nice. Overall, the First National Bank of Omaha American Express® Credit Card is a solid choice for someone with great credit who wants a no-frills option but still wants a cash back reward program.
The AT&T Credit Card is really a solid card. I like that there is no annual fee, even though most cards I have had are the same. The full year at 0% as an introductory interest rate is nice, none of my cards have been for that long. The rewards system is a bit intricate for my tastes, I just like a bare-bones, functional credit card with a low rate, I'm not too interested in rewards programs. However, if you are, and you make large purchases on your card, then this program seems to be a good one, as far as rewards programs go.
You have to love no balance transfer fees and an introductory rate of 0% for a whole year, unlike, for example, the QuickTrip Gas Card which offered no intro rate at all. Also, the Discover® More Card has the added benefit of offering rewards, this time, cash-back on purchases, up to 5% in some cases, and also, the cash back has no limit and doesn't expire, so that is a real added bonus. I've never had a Reward program with my Slate from Chase card, but that seems like it could add up quickly if you use your card a lot.
I love Quik Trip stores, they have great food and drinks and I usually always get my gas there, so it's nice to get a little bit back on my gas purchase the way prices are now. However, there are a few downsides to this card. The fixed APR at 18% isn't terrible, but it's not that great for those of us with good credit. Additionally, there is no introduction period, which has been standard on every other card I have had. Basically, the QuickTrip Gas Card is for purchases and discounts on gas, it's not exactly a fully-featured credit card.
While the Michigan State University Alumni Credit Card may not offer an intro rate of any kind, and doesn't offer any rewards, it does what a credit card should do without any of the frills of other cards, it gives you a lower regular interest rate than most, and doesn't have any balance transfer fees or annual fees. Some may call it "bare-bones" but I call it "meat-and-potatoes". Also, the maximum penalty APR absolutely blows away most of the competition. If you graduated from Michigan State then you would be remiss to pass up the opportunity to obtain the Michigan State University Alumni Credit Card.
You gotta love the fact that there is a full year of no interest. I mean, most of my cards have only been 6 months, but you do need at least good credit to get the Board of Regents of the University of Oklahoma Alumni Credit Card, so I guess you should expect some more perks. Also, having the ability to earn reward points with every dollar I spend is pretty nice too. It's pretty common, but not having any annual fee, and having the type of fraud protections that this card offers is a comforting thing. Not only do I know that I won't have to worry about my identity/account being compromised, I can just hold on to the card and not have to have random charges pop up out of nowhere. This is a solid card for all OU alumi.
The Montana State University Alumni Credit Card really stands out with its 12 month introductory rate on purchases. Most credit cards I have come across only off 6 months, if any at all. Also, the fact that this Alumni card carries no annual fees is really nice too. Also, I've never before had a rewards card of any type, that's a nice little bonus that I'm not used to. Also, the fraud protection offered by the Montana State University Alumni Credit Card is some of the best around. Overall I really like this card and would recommend it to all people who graduated from Montana State.
A six month intro rate at zero percent seems pretty standard. However, the Bank of the West Platinum MasterCard® Credit Card does stand out a little bit in other ways. The regular rate at 16.99% is a bit better than the entry-level Discover Card I had, which was at 18.99%. Also, having no annual fee is a good thing, although the lack of "rewards" may damage the value of the Bank of the West Platinum MasterCard® Credit Card in the eyes of some, however I have little problem with this, as those rewards typically only add fractions of pennies on the dollar and add unneeded complexity to my credit.