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The best travel credit card with no annual fee is Capital One VentureOne . Not only does it have a sizeable initial bonus (20,000 points for spending $1,000 in the first 3 months), but it also gives you …
Answer by: @lawrence50
One good secured credit card with a low deposit is the Capital One Secured Mastercard. You may be able to put down as little as $49 and still get a $200 credit line, making the card only partially secured. The…
Answer by: @lawrence50
There is one special American Express Platinum military perk: the $550 annual fee is waived. Thats right, you wont have to pay a single cent for this high-tier rewards card, and that benefit …
Answer by: @lawrence50
The only surefire way to get the $450 Chase Sapphire Reserve annual fee waived is if youre an active servicemember and you check that box on the application. As long as Chase can confirm yo…
Answer by: @lawrence50
A Chase Sapphire Reserve retention offer is a special deal to convince you not to close your account. It could be something like bonus points or a reduced (even waived) annual fee. Such an offer is possible wi…
Answer by: @lawrence50
Chase Sapphire Reserve purchase protection covers you for up to $10,000 per item if something you buy with Reserve gets lost, stolen or damaged within 120 days of purchase. Chase will repair the item, o…
Answer by: @lawrence50
There are lots of Chase Freedom benefits, from the card’s lack of an annual fee to its travel insurance and extended warranty policy. Chase Freedom’s benefits don’t include anything particularly unique, like airport lounge access or a concierge service. But it’s a decent cash back offer that comes with the standard perks you’d expect from a card that requires excellent credit for approval.
Here are the Chase Freedom benefits:
The Chase Freedom card has a lot to like. And now that you’re aware of all the benefits, you’ll be able to take advantage of them when the time comes.
Your options for instant credit card approval and use with bad credit are limited to the Capital One Secured Mastercard and the Fingerhut Credit Account. You may get instant approval (not guaranteed) with pretty much any credit card you apply for online, including those two, the Credit One Bank Platinum Visa and Discover it Secured, all of which are good cards for bad credit. But credit cards that allow instant use are very rare. And almost all of them require fair or better credit for approval.
Capital One Secured gives you a good chance of instant approval because it’s a secured card, meaning you put down a deposit which serves as your credit line. Because of this collateral, even people with a bad credit score can be approved. If you apply and you’re instantly approved, you’ll then be asked to fund the deposit, which could be $49, $99, or $200. Regardless, your credit line will start at $200, so it’s possible for your spending limit to be higher than your security deposit. Once you decide how much you want to deposit (up to a total of $1,000 allowed), send the funds right away.
You can use your card as soon as your security deposit transfers. Unfortunately, it typically takes a few business days for this to happen. But at least it’s better than waiting two weeks for the card to arrive. Before you can use your card, you’ll need to take these steps:
If you’re willing to limit your spending to one retailer, you could try applying for a Fingerhut Credit Account. Fingerhut advertises that most applicants find out their status in minutes. And if you’re approved, you can begin making purchases the same day. Fingerhut sells all kinds of products from a variety of popular manufacturers, but you won’t be able to use the card anywhere else.
There are plenty of other credit cards for bad credit you can get instantly approved for, but you’ll always need to wait 7-10 business days to receive the card by mail. That’s not all that long to wait though, so you might want to consider shopping around.
There are several easy approval business credit cards. That’s because the easiest business credit cards to get only require fair or bad credit. They include Capital One Spark Classic for Business, the Staples Business Credit Card, and the Wells Fargo Business Secured Credit Card. It’s also worth noting that while you must have a business to get one of these cards, your personal credit history matters a lot more than your company’s.
Here are your options for easy approval business credit cards:
You’ll get 2% cash back on the first $1,000 you spend at gas stations and restaurants each quarter. You’ll get 1% cash back on all other purchases. Discover matches the cash back you earn the first year. There’s no annual fee, the APR is 24.24%, and the minimum deposit is $200.
There are a few easy approval business credit cards, so you shouldn’t let limited or damaged credit prevent you from getting the card your business needs. And remember, if you pay your bills on time and keep your credit utilization ratio low, your credit should steadily improve over time.
Discover card benefits include travel insurance, purchase protection, and auto rental coverage. But the biggest benefit right now is the fact that Discover will match all the rewards you earn in your first year.
Those are all universal Discover Card benefits, which means you’ll get them with any Discover credit card you have or apply for. Some cards also give you other perks on top of that.
Here are the biggest Discover Card benefits:
All Discover card benefits listed above are available across all Discover cards. But the same can’t be said for their rewards. For example, Discover it offers 5% cash back on certain purchases, while the Discover it Miles travel card gives you 1.5 miles per dollar spent.
Since the cards all share the most significant Discover card benefits, you can shop for the rewards program that fits your lifestyle without worrying about missing out.
The main Best Buy credit card requirements are a fair or good credit score and some form of income. You also need to be at least 18 years old and have both a U.S. address and an SSN. But the requirements for the Best Buy Store Card, which you can use only at Best Buy, aren’t as strict as those for the Best Buy Visa, which you can use anywhere. For example, you’ll need a 640+ credit score for the Store Card but 700+ for the Visa.
Exactly what Citi, the issuer, looks for isn’t public knowledge, of course. But you can at least work on improving the major things that matter most before applying.
Here are the Best Buy credit card requirements:
Overall, the Best Buy credit card requirements aren’t too bad if you’re just looking to get the Store Card. The average person should be able to meet them. The Best Buy Visa, however, is quite a bit harder to get.
There aren’t any places specifically designated as “Chase Freedom grocery stores.” In a sense, all grocery stores and supermarkets are Chase Freedom grocery stores because you can use the card at all of them. But Chase Freedom isn’t one of the several cards that always gives you bonus rewards at grocery stores, at least certain types. Every quarter, Chase offers 5% cash back on your first $1,500 spent in a new set of bonus categories. Grocery stores has been a category in the past, and it included everything but superstores like Walmart and Target. Grocery stores aren’t among the current Chase Freedom bonus categories, however. They aren’t even on Freedom’s bonus category calendar, which is set through March.
Here’s how to earn cash back at Chase Freedom grocery stores:
If grocery rewards are really what you’re after, you should probably set your sights on another credit card. There are too many cards that always reward you on groceries to wait around for a Chase Freedom bonus category that may never come. In particular, be sure to check out Amex Blue Cash Everyday, PenFed Platinum Rewards and the Costco Anywhere Visa.
There aren’t any 10% cash back credit cards, at least none offering that much back on all purchases. But you can get 10% cash back from some credit cards in specific spending categories or thanks to promotional offers. For example, the NHL Discover it cards give you 10% off ShopNHL.com and NHL.TV purchases. Discover it Cashback offers 5% back in certain categories, plus doubles your rewards the first year, which works out to 10% back. And cards with initial rewards bonuses give you well over 10% back early on. Spending $500 for $150 cash back, for instance, would be 30% back. And you can get that from Capital One Quicksilver, Chase Freedom, Amex Blue Cash Everyday and a few others.
In terms of more consistent cash back rates, the highest you’ll find is Amex Blue Cash Preferred’s 6% cash back on your first $6,000 in supermarket purchases per year. And if you want a high rate on all purchases, the best you’ll do is Citi Double Cash, which gives you 2% cash back when you pay your bill in full.
Here are the highest cash back earning rates:
As you can see, the highest cash back rates all have caps, but always provide you with a base 1% earning rate. Also note that some of the cards have categories that change every quarter, and others have ones that stay the same. Depending on what types of purchases you make most often, certain cards may have more appeal than others. Cards with lower but unlimited rates, like Citi Double Cash, can often give you more value in the long run.
The JetBlue Plus Card’s benefits include a 30,000-point initial bonus, a free checked bag every time you fly, and 6 points per dollar spent on JetBlue Airways purchases. The JetBlue Card also lets you pool rewards with family members and redeem them for any JetBlue flight with no blackout dates.
Since most JetBlue Plus Card benefits involve flying with JetBlue, it’s best for brand loyal frequent flyers. But you need the full picture to decide if JetBlue Plus is right for you.
Here are the top 10 JetBlue Plus benefits:
1. 30,000-point initial bonus: New JetBlue Plus Card customers get 30,000 points for spending $1,000+ in the first 90 days after account opening. That’s worth about $300, based on my calcs.
2. 5,000-point anniversary bonus: From your first account anniversary onward, you’ll get 5,000 bonus points (worth about $50) for every year that you keep your JetBlue Plus account active and in good standing.
3. 6x rewards on JetBlue purchases: For every $1 you spend on JetBlue Airways, you get 6 points. You also get 2 points for every $1 spent at restaurants and on groceries, plus 1 point per $1 for all other purchases.
4. Redeem rewards for any JetBlue flight: As long as your account is open and in good standing, you can redeem your points for any seat on any flight, with no blackout dates. You’ll need to cover the full price of your rewards flight with points. The number of points necessary for redemption varies from flight to flight, depending on price.
5. 10% redemption bonus: Whenever you redeem your reward points for a JetBlue flight, you get 10% of them back as a bonus. So if you purchase a flight with 50,000 rewards points, you’d get 5,000 points credited to your account.
6. Free checked bag: You and up to three travel companions get your first checked bag free, so long as all the tickets were purchased with your JetBlue Plus.
7. Family pooling: You can share your rewards points with up to five people whom you designate as family members. A “family” must consist of no more than two adults over 21, and up to five children under 21. Just log into your TrueBlue account and click the “Create Your Family” tab to get started.
8. No foreign transaction fees: You won’t pay extra for making purchases abroad or through an internationally based merchant with your JetBlue Plus Card.
9. 50% in-flight savings: When you buy food or drinks on a JetBlue flight with your JetBlue Plus Card, you get half the price back as a statement credit. This benefit does not apply to internet access or duty free purchases.
10. Upgrade to Mosaic: JetBlue Plus cardholders who spend $50,000 in a year will be enrolled in JetBlue’s Mosaic loyalty program. Mosaic members get airline fees waived, two free checked bags, early boarding, expedited security lines, complimentary cocktails while flying, and 3 extra points per dollar spent on JetBlue flights.
There are a few other JetBlue Plus Credit Card benefits. For example, you get a $100 statement credit whenever you buy a JetBlue vacations package, which is an all-inclusive “deal” on a trip to a specific report, which usually costs $450+. Such things may or may not save you any money at the end of the day.
Whether or not JetBlue Plus benefits you will ultimately come down to how often you fly JetBlue and whether your credit is good enough to qualify. If the answers are a lot and excellent, then this is a good card for you.
You can use either Walmart credit card at Walmart, Walmart.com, Walmart Neighborhood Market, Sam’s Club, and Murphy USA gas stations. Only the Walmart Mastercard can be used elsewhere, but you need good credit to get it. The Walmart Store Card requires just fair credit for approval.
Here’s where you can use any Walmart Credit Card:
So you can use the Walmart Store Card at five types of merchants. But you’re out of luck everywhere else. If you have the Mastercard, though, you’ll be able to use your card pretty much everywhere that takes credit in over 210 countries and territories. You’ll need good credit (700+) to get the Mastercard but only fair credit (640+) to get the Store Card. Both cards give you identical perks at Walmart.com (3% back as a statement credit), Murphy USA and Walmart gas (2% back), and other Walmart purchases (1% back). So the major difference between the two is that you can use the Mastercard, and earn 1% back in the process, everywhere else credit cards are accepted.
The best credit card for travel in Europe is the Capital One Venture Rewards Card. In fact, it doesn’t really matter what continent you’re talking about. Venture’s travel perks are global, from no foreign transaction fees to a high miles earning rate and travel insurance. To top it off, you only need good credit to get it, and the annual fee is a modest $95, waived the first year.
Capital One Venture is the best credit card for travel in Europe because of its:
While Capital One Venture is the best credit card for travel in Europe overall, there are some other strong contenders. Barclaycard Arrival Plus, Chase Sapphire Preferred and the Lufthansa Card are all good options.