+ 100% Free
+ Unlimited Credit Reports
+ Unlimited Credit Scores
+ Credit Monitoring Protection
+ Credit Improvement Tips
+ Automatically Finds Savings
No credit card needed
This is your standard credit card. It has all the features like online banking and customer service that other cards also have. The APR is competitive and is similar to offers from other firms. The card does lack some of the cash back feature that other firms have, namely Chase. I have no issues with using this card and I would suggest this card to anyone who is looking for a simple card to use.
I got this card as a gift from my friend. Activation was simple as I only had to make a simple call. I spend using this card just like using any other VISA card. There is a montly fee for every month that the card is active so you would want to spend the balance as soon as possible. Overall, if you intend to spend the entire amount during one billing period, this card works just as well as other VISA cards.
THe best thing about this card, like every AMEX card, is that the user has access to all the AMEX sync deals through twitter. This alone makes the card superior to other credit card companies. Beyond this, customer service is great. It is always a pleasure to deal with AMEX. Any issues are quickly and professionally resolved.
The card itself offers cash back during the entire year. The categories switch every season. However, the categories are for everyday purchases like gas stations or grocery stores. Overall the card is what you would expect from a big financial instituion. It gets the job done, but it is nothing special. One can expect the usual features and protection from a big banking instituion.