Saturday, December 27, 2008

Chase Credit Card Rewards

The Chase Bank offers many credit cards and almost everyone of them comes with some kind of reward. Although some of them have a better reward than others.

Basically Chase has the same rewards as any other major credit card issuer, and there is nothing that sets them apart or makes them any better. In fact overall I would say that Chase is probably one of my least liked credit card issuers. There credit card rewards aren't that great and they usually have a higher interest rate than many other banks/issuers.

Saturday, November 22, 2008

Home Depot Business Credit Cards

The store Home Depot offers three Business credit cards. These cards are directed towards different kinds of businesses and how much they spend. There is the revolving charge card, the commercial account, and the Business Rewards Mastercard.

The Revolving charge card lets you pay off your balance in full every month or you can make monthly payments.

With the Commercial Account you must pay your bill in full every month.

The Business Rewards Mastercard is almost exactly like the consumer counterpart. It has the same reward program.

Full review of the Home Depot credit cards and what they have to offer.

Tuesday, November 11, 2008

Citi ThankYou

The Citi ThankYou Network in my opinion is one of the better reward programs offered from a bank. The great thing about it is it's for many different cards, and you can get points from each card and it all goes into one account.

Plus there are many redemption options; you can choose to receive a check in the mail, gift certificates, airline tickets, discount on a hotel reservation, and more.

Citibank also gives you special discounts if you shop through their website and use one of their credit cards.

To see which cards are part of the Thank You Network.

Thursday, October 16, 2008

American Express

I really like my American Express Rewards credit card. It's just so great knowing that after I pay my bill in full every month I am getting a little bit back. It feels like I'm shopping with coupons all the time without the hassle of clipping them.

I think it's such a great credit card that whenever someone asks me which one I recommend I usually show them that card and all the features it has, like a low interest rate mine is only 9.99%, when you first apply for one you get twelve months interest free, and the cash back rewards.

I've had many different credit cards before, but currently my AMEX is my favorite by far!

Thursday, October 2, 2008

PayPal Cards

I have a PayPal account and it seems like every time I log into to check how much interest I've made, or if I have received my payments that before it takes me to my balance it shows me an ad for their credit cards.

After seeing this ad a few times I decided to look into the PayPal credit cards to see if they were really worth getting. They have two cards available one is a debit card and the other a rewards Visa. I don't really see the point in getting their debit card, because if you use PayPal you most likely already have a bank account, and you can transfer your funds from your Paypal account to your bank account. Although you do have to wait a couple of days, I don't think it's really that necessary.

The rewards card gives you points for each dollar that you spend. It's a decent card I guess.

Friday, September 5, 2008

Reward Zone Card

The Reward Zone card is the Best Buy credit card that consumers can get and earn points with their purchases. You earn points with every purchase you make; four points at Best Buy, two points at restaurants, and one point for purchases made everywhere else. You automatically receive gift cards for Best Buy when you reach a certain point level.

They have a range of interest rates for new applicants. I think they range from 12% to %18, which is pretty decent.

In my opinion this is one of the best retail store credit cards you can find. The possible interest rates aren't nearly as high as most of the other comparable store cards especially the circuit city one.

Sunday, August 24, 2008

FreeCreditReport.com Commercials

I really hate the FreeCreditReport.com commercials. They are really really really annoying especially the latest one with the main guy riding on a bike and singing. I just want to punch that guy in the face he's so stupid looking. At least I have this blog to vent some of my hatred toward him.

I wish he would get caught with a bag of pot like the Dude you're getting a Dell guy. Although I actually liked that guy. I wonder how they pick these actors; do they look for the people that look like total slackers?

It's not really the actors fault he comes off as such a d-bag. It's the crappy marketing company. I just can't believe this website actually makes money off of the commercials. I noticed it's a pretty hot topic around the Internet with all the commercials on Youtube.

Monday, August 11, 2008

Macy's Credit Card

Another department store that offers it's own credit card is Macy's. They in fact have several different credit cards for you to choose from. All the Macy's credit cards come with the standard coupons and discounts you earn for being a card member.

There are a total of five cards available; the Elite, Platinum, Gold, Red, and regular. The regular card is really just a charge card and doesn't come with any special benefits. The day you apply you receive 10% off your purchase. The elite and platinum cards are for people who spend over $2000 a year at Macys. With those you can earn gift certificates by using your card.

Monday, August 4, 2008

GAPCard

Back to writing my reviews after I went to my fathers birthday party last weekend. I think everyone had a good time, I know I did.

This entry is about the GAPCard. A charge card from the GAP department store. It can be used at the GAP, Old Navy, Pimperline.com, and Banana Republic. You earn 5% in points on all purchases made at those stores, and on the day you open your card you earn 15% off your entire purchase. The interest rate is pretty high at 21.05%.

There are a lot more features too many to list. For a full list of benefits check out this review of the GAP credit card. I would say it is a pretty good card.

Wednesday, July 30, 2008

Lowes Credit Card

Another review I recently finished is the Lowe's consumer credit card. They offer a couple of consumer credit cards. One is the Project card and the regular one.

The Project card is for people who are going to spend $1000.00 or more at Lowes. You have to spend at least one thousand to qualify for this card. It does have a pretty low interest rate: 7.99% to 17.99% depending on your credit. You also can choose six months which you will earn zero interest for that period.

The regular card isn't really good because it doesn't have any special benefits with it and it has a high interest rate. More information on the Lowes credit card.

Monday, July 21, 2008

Victoria's Secret Credit Card Review

Another store credit card I have reviewed is the Victoria Secret credit card. As usual it comes with a higher interest rate than standard credit cards, but on the bright side it actually comes with a decent rewards program.

You earn one point per dollar on all purchases and at 250 points you receive a $10 gift card for Victoria's Secret. That comes out to 4% back off of your purchases.

If you are frequent shopper of their store and intend to pay off your balance every month it is worthwhile to get a Victoria Secret credit card.

Thursday, July 10, 2008

Circuit City Credit Card Review

Yet another retail credit card I have reviewed is the Circuit City credit card. This card is another one that you should avoid at all costs.

I can't really see any benefit to getting this card. It is that bad. The annual percentage rate is high, above 20%. They have so many ways to cheat you out of the rewards program. If it was an easy rewards program to understand with no catches then the credit card might be worthwhile.

As it stands you earn 5 points per dollar spent at Circuit City and 1 point per dollar on all other purchases. You receive a $5 gift certificate at 500 points that can only be spent at their stores. Plus when you use a gift certificate you forfeit the rest of it if you don't spend the full five bucks. Gift certificates also expire after 90 days of being issued so make sure you use them up fast.

Thursday, June 26, 2008

JCPenney Credit Card Review

I must be on some sort of department store kick or something because this is the third post in a row about a retail store credit card. Anyways the JCPenney's credit card isn't as bad as the Sears or Wal-Mart, but that doesn't really make it that good either.

Let me put it this way:

The Good: Receive special discounts and coupons to JCPenney sales and promotions when you use your credit card.

The Bad: No rewards program.

The Ugly: The interest rate is over 20.00%. Any credit card with an annual percentage rate over 18% seems too high to me.

If you really like shopping at JCPenney and want to take advantage of the exclusive coupons and discounts then you might want to consider getting this credit card. If you do get this card though you should not carry a balance. Make sure you only buy as much you can pay off so you don't get caught with the really high interest rate.

More information in my full review at JCPenney Credit Card

Monday, June 23, 2008

Sears Credit Card Review

I finished writing a review on the Sears credit card. It is a pretty standard department store credit card with an initial discount on your purchase the day you apply and during the year they mail you coupons and announcements of sales.

Like most department store credit cards the Sears card has a pretty high interest rate. I would recommend this card only if you are a frequent shopper and you pay off the balance in full every month to avoid the high interest rate.

Wednesday, June 11, 2008

Wal-Mart Credit Card Review

I was searching the Internet looking for a new credit card to review or some topic to write about, and I came across the WalMart credit card. I take a look at the application form and the terms and agreement.

First off I notice that this card doesn't have an kind of rewards program. It does offer $0.03 off
per gallon of gas at participating Wal-Mart gas stations. But that perk is pretty laughable. Let's use an example to show how poor that rebate is. Currently gas is around $4.00 per gallon. If you buy 5 gallons of gas that is $0.15 off if you use your Wal-Mart card. Now if you use a credit card with 1% off all purchases you would save $0.20 in this example.

Another reason you should avoid this card is its interest rate. Depending on your credit history you will be offered an interest rate of 21.62%, 17.62%, or 11.62%. All of these are pretty high in my opinion.

If you are looking for a credit card with a cash back reward.

Wednesday, June 4, 2008

Green Dot Credit Card

The Green Dot Credit Card is a pretty good prepaid credit card. A prepaid credit card is one that you deposit money into your account and you can spend that money by using your card. You can also withdraw your money anytime at an ATM.

What makes the Green Dot card so good is it doesn't have many fees. Most prepaid cards have a lot of fees but Green Dot doesn't have as many and they aren't as expensive. If you can get a regular credit card I would recommend that, but if you have to use a prepaid card I recommend getting the Green Dot over other ones.

Friday, May 30, 2008

Credit Card Commercials

There have been some pretty funny credit card commercials. One of my all time favorites was in the mid to late 90s where Jerry Seinfeld was pumping gas and is trying to achieve the perfect pump. The perfect pump is filling your tank until it is pretty full and then stopping on a 0. For instance you are pumping and then you stop on $20.00 would be considered a perfect pump.

Anyways the premise of the commercial; Jerry is pumping and he achieves the perfect pump, but when he removes the nozzle he accidentally pumps a little bit of gas and losses the perfect pump. All is not lost though since he pays with his American Express he doesn't have to worry about the change.

Another commercial I liked was the Capital One, What's in Your Wallet. Recently I saw a Capital One Card Lab commercial. The commercial is decent in my opinion, but it doesn't really have the stand out factor that really catches your attention.

Monday, May 26, 2008

American Express Blue Review

I finished writing a review for the American Express Blue card the other day. I don't want to repeat myself too much so I will just say this; it has an excellent introductory APR offer, a decent interest rate, and a mediocre rewards program. If you are interested in reading the full review you can check it out on squidoo. Except now squidoo is shut-down and my review is lost.

Saturday, April 5, 2008

Alot of Spam Blogs

I'm sick and tired of seeing people start up a blog and not really put anything into it. They just post a bunch of frivolous nonsense, and they are trying to sell you something. They use the blogs to get links to their main website so it ranks higher on the search engines.

I don't want my blog to be like that. I know when someone sees a "credit card" blog they are thinking in the back of their head here's another spam blog. Although the topic of my blog will be credit cards I'm not going to sell you credit cards. My blog is going to share the personal experiences I've had.