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While cards with flyer miles seem to be a dime a dozen these days, there are still some that stand out above others. You have your typical fees like you would on any card, but they are very reasonable. What makes this card special is how quickly you can accumulate the points and the variety of things you can spend them on. Let’s look at a few Pros of this card. Pros: - If you spend $2,000 within the first three months of owning the card, you get a bonus of 50,000 points right off the bat. That’s enough alone for a vacation right off the bat. It practically pays for itself immediately. It’s quite an impressive offer. - Point redemption isn’t limited to just flights. You can use them toward car rentals, cruises, hotels, and several other carrier flights. - You can get gift cards using the points. That’s right, you can get gift cards using these points. How many other airline cards let you do that? That alone is a huge plus for me and enough to earn its own bullet point. - No earn or redemption limit on points. Some cards will only let you store a certain amount of points at a time rather than let them accumulate. What’s worse is some cards actually have points that expire, which is just plain ridiculous and unfair. If I get cash back that never expires, so why should my points? Southwest Airlines Rapid Rewards Premier Credit Card gets it. - No over limit fees is another great feature of this card. Most cards will try to squeeze every penny they can from you, but this card has a little forgiveness. Be warned, you will have to pay a fee if you tell them you’re going to purposely go over the limit. - Reasonable late fees in the form of tiered late fees. Depending how much you owe from your bill you can owe a different amount of late fees. For example, if you owe $100 in late fees, then you will owe them $15. The max late fee you can owe is $35. - No foreign transaction fee is probably the one feature every airline card should offer. You are going to be traveling and they want you to travel. They even offer two points per dollar when you buy from them. Why would any airline card try to prevent you from spending money while overseas? All of these features sound great, but there’s some that might be a kick in the rear for some people. Cons: - Excellent credit is needed, so they’re very picky about who they’ll hand this card out to. They do like to force it upon you at the airport, though. - An annual fee of $99 can be a deal breaker for a lot of people. It seems to be one from a lot of the comments I’ve read. Final Verdict As you can see, there weren’t many cons since the APR of 15.99% is standard. All of the comments I’ve seen indicate the card has great customer service and you receive your points very quickly. Others and I would consider this can excellent card and one everybody should consider.
Back when I lived in California these were this was the institution I used and had a checking account with. They offer great services for a checking account in comparison to other institutions. That includes that one I transferred to when I moved to Florida. They don't charge any fees, they don't even charge an overdraft fee as long as you overdraft by under $80. My only issue with them was the transfer of checking accounts. It was harder than it should have been. I guess that can be blamed on both of them, but they share the blame either way. If you're in the Barstow area, they have a huge building there that you can visit to get signed up.
I've had a fairwinds credit union checking account since I moved to FL. This is the one thing I have zero complaints about over at fairwinds. They only want you to have a modest $50 in your checking account monthly or be charged a maintenance fee of $5. They allow you to open checking accounts as minors, but it's a semi-joint checking account where the parents takes responsibility for what you do. There is a very small interest earnings of under 1%, I believe, but it's barely worth mentioning.
Ouch, I'm not sure this card is one I can recommend to others. They seem to want to charge a fee for any small thing you want to do. They want $25 a year, $25 for anytime you deposit money, $25 for an increase in credit, even a request in a reduction of your credit limit requires $25. There are much better cards out there. The rates are lower on other cards as well, even notorious store cards that are known for their extravagantly high rates. Check for options from your bank first or credit union.