wells fargo platinum review

Having access to good credit cards is very important when you want to get by in life. There are going to be circumstances where you will want to use credit to buy certain things. Many people choose to sign up for rewards credit cards to take advantage of these credit card purchases. It can be very helpful to earn cash back rewards or miles for your purchases. Not all credit cards are about the rewards experience, though. There are certain types of credit cards that are very practical for helping people to pay down their debts. If you have thousands of dollars of credit card debt that you are trying to pay down, then you need to be able to avoid paying high interest rates on that debt so that you can make progress. Finding a credit card with a low APR can help you to pay down your debt. This is why the Wells Fargo Platinum Visa credit card is such an appealing option.

 

The Wells Fargo Platinum is a credit card that offers no rewards, but it does offer you a stellar introductory APR. It makes it a very good option for those who want to pay down their debts in a practical and manageable way. If you have been thinking of trying to pay down some debts, then you will want to give this credit card some consideration.

 

Before you rush out to apply for this card, it is important to think about the details. You need to know everything about this card so that you can make an informed decision. Join us as we dig into the details of the Wells Fargo Platinum card. You’ll be able to decide if it is a good fit for you or whether you are better off looking for a different credit card.

 

Wells Fargo Platinum

Introductory Offer:

18 Month Intro APR Offer

Rewards:

No Rewards Points

Benefits:

Intro APR offer.
Cell phone protection. ($25 deductible)

Annual Fee:

No annual fee.

Our Thoughts:

This is a great card for its intro APR offer and balance transfers. It has no annual fee and also offers great cell phone protection and free credit score access.
LEARN MORE >>

 

Wells Fargo Platinum Card Fees

You will not need to worry about any type of annual fee when you sign up for the Wells Fargo Platinum. This card is going to be good for people who find annual fees to be an annoyance. You can keep this credit card in your wallet without having to worry about owing Wells Fargo money every year for the privilege of using the card. It helps to keep things practical for you.

 

There are some fees that you will need to be aware of, though. The most annoying fee is going to be the balance transfer fee. During the introductory period, it is either going to be three percent of the balance that you are transferring or $5.00, whichever happens to be greater. If you decide to use this credit card to pay down debt, then the fee is almost always going to be three percent during that introductory APR period. After the introductory period expires, the balance transfer fees will rise to five percent, making it harder to justify making the transfers.

 

The introductory APR period is really helpful on this credit card, though. It lasts for a longer amount of time than usual, too. You can take advantage of avoiding paying interest on purchases or balance transfers for 18 months. This is a long time and you can use this to your advantage to pay down debt if you need to do so. That is really the main appeal of this credit card, so it is good to keep this in mind.

 

Once that introductory period is finished, you will be paying a somewhat high APR. It is not so high that it is absurd or anything, but it is not the best available APR. Whether or not you will be interested in the card after the introductory period is finished will depend on your circumstances and expectations. Just know that the normal APR rate might be a bit high as far as some people are concerned.

 

Features of the Wells Fargo Platinum

For the most part, this credit card is going to be all about that introductory APR period. It does not have a lot of fancy features to offer that will cause you to want to apply right away. Whether or not this card is going to appeal to you will depend on how much you need to pay down your debt. It is practical for that purpose, but it may not offer much more than that to people who expect other features or perks.

 

The Wells Fargo Online tools make managing your credit card a simple process. This is a very robust set of tools that can make managing your payments and other bits of information simple. You will have access to a set of tools to help you budget your money and you can more effectively manage your spending. You will also be able to gain easy access to your credit score at all times, which is great for when you are trying to get your score up higher.

 

Benefits of the Wells Fargo Platinum

The only real perk that you are going to get when using this credit card is the cellphone insurance. Basically, you will be able to get cellphone insurance on your phone if you decide to pay your monthly phone bill using your credit card. This will allow you to receive up to $600.00 for your phone in the event of it being damaged or stolen. Insurance such as this can be really useful in helping you replace an expensive cellphone.

 

There are a few minor standard perks that you can make use of, too. For instance, you will be able to rely on zero liability when you report an unauthorized transaction on your card. This makes it so that you are protected from owing money when someone steals your card and manages to use it. It’s an important benefit that will be handy if your card ever gets stolen or if someone tries to steal your identity.

 

wells fargo platinum cell phone protection

 

Rewards Program Info

There are no associated rewards with this credit card. The one big drawback to this credit card is that you cannot earn any rewards through loyalty programs or through your own credit card purchases. This is a no-frills credit card experience that should be used for a specific purpose. If you want to earn rewards, then you are going to need to look into a different type of credit card.

 

Wells Fargo does offer credit cards that give you rewards, so you may want to look into some of their other options. If you are interested in this card, then it is likely that you are not in it for the rewards. If you need a card to pay down your debt, then this is a very sensible choice. Otherwise, you may wish to see what else the market has to offer.

 

The Pros

  • No annual fee to worry about
  • Long introductory APR period
  • Great for paying down credit card debts
  • Cellphone insurance is a nice perk
  • Great fit for existing Wells Fargo customers

 

When you sign up for the Wells Fargo Platinum card, you will not have to worry about any type of an annual fee. This is a great thing as it allows you to simply use the card without feeling like you are wasting money. The annual fees of some cards can come across as a hindrance, so it is nice to be able to avoid that with this credit card. It makes it a little easier to justify keeping the credit card in your wallet.

 

The long introductory APR period is going to be what draws most people towards signing up for this card. You will be able to enjoy an 18-month period of having a stellar APR. This will allow you to really do some good things for your life. If you want to use this credit card intelligently, then there are several positive applications that could benefit you.

 

Paying down debt is one of the primary reasons that people make use of a credit card such as this. You can transfer the balance of your old credit cards over to this one and pay them down. With the APR being so good during the introductory period, it becomes easier to do this. You can potentially eliminate debt using this credit card, so it may be worth it to sign up if you are in need of a card that can help pay down your debt.


If you decide to sign up for this card, you’ll also be getting one really nice perk that typically only comes with premium cards. You will be able to make use of handy cellphone insurance when you pay your phone bill using your credit card. This insurance will give you up to $600.00 when you have your phone stolen or when it gets damaged. It makes replacing your expensive cellphone a much easier prospect and it can really be useful when the worst happens.

 

This credit card is an overall great fit if you are already banking with Wells Fargo, too. You will be able to conveniently manage everything using the same website and app. If you like the simplicity of keeping your banking and credit cards under the same umbrella, then it might be good to sign up for this card. Depending on your needs, this might wind up working out very well for you.

 

The Cons

  • No rewards whatsoever
  • Somewhat high APR after the initial introductory period
  • You have to pay balance transfer fees
  • The benefits may be somewhat lacking

 

The first thing to understand about the Wells Fargo Platinum card is that it is not a rewards card at all. This card is not going to give you any rewards for your purchases and this is going to deter many people from giving it a chance. If you like earning airline miles or cash back rewards for using your credit card, then know that you will not be getting that experience here. This is a credit card that is good for paying down debt for a certain period of time, so you have to use it in the right way for it to truly be beneficial.

 

It is also worth noting that the APR of this credit card is somewhat high after the introductory period ends. If you keep using the credit card once the introductory period is over, then the APR may not be agreeable to you. You should keep this in mind if you want to sign up for a credit card that you will use for many years. This card may not be the option for you if you are worried about the APR since there are options with lower interest rates out there.

 

You do have to pay balance transfer fees when using this credit card, too. That is a bit unfortunate as this is one of the best uses of the credit card. The balance transfer fee is either $5.00 or three percent of the total transfer during the introductory period. The card will charge you whichever amount is greater, so it is almost always going to be three percent. After the introductory period is over, you will have to pay a five percent balance transfer fee, making things a bit less practical.

 

The benefits of this credit card may also be somewhat lacking, depending on what you are expecting. There is one very nice benefit that will come in handy for some people, but it lacks other standard benefits. Many cards offer more robust perks, so you should keep this in mind when considering whether or not this credit card is for you. Weigh your options and see if this is going to fit in with what you want to do.

 

wells fargo platinum

 

Credit Score Needed for Approval

Getting approved for this credit card is not going to be easy if you do not have the right credit score. Your credit score needs to be firmly in the good range to be approved. A score of 690 or higher will yield the best results. Take the time to look at your current credit score before applying so as not to waste your time. If your credit score is excellent, then getting approved will be that much easier.

 

Who Does This Credit Card Appeal to Most?

The real appeal of the Wells Fargo Platinum credit card is going to be to people who want to pay down their credit card debt. There are no cash back rewards to speak of or any airline miles that you can earn. This card is purely a normal credit card with good balance transfer options. The introductory APR period makes it practical to transfer debt from other cards so that you can pay it down without having to worry about interest.

 

If you are the type of person who wants a lot of benefits and rewards options, then you are going to be left wanting with this card. It does not mean that the card is bad in any way, but it does mean that it might not be right for you. This is a no-frills credit card that should be used for a specific purpose. It can also make for a fine everyday credit card if you really need it, but the lack of rewards will likely deter you from using it that way.

 

An Alternative Card to Consider

The Chase Freedom credit card might be a good option to keep in mind. It is another credit card that can be used for the purposes of paying down your credit card debt. The difference is that it can also be used as a rewards credit card to an extent. This card can give you five percent cash back options on certain categories that will rotate in and out.

chase freedom card

Chase Freedom

$150 (15k Ultimate Rewards) after spending $500 in 3 mo.

No Annual Fee

LEARN HOW TO APPLY >>

See our full review of the Chase Freedom.

 

Being that the Wells Fargo Platinum card does not offer any rewards whatsoever, this might wind up being more appealing to you. Both are good cards for paying down debt so you should take a look at the specifics of each to make an informed decision. Either way, you will be getting a reliable credit card that will help you to pay down that pesky credit card debt that you have been trying to get rid of. The Chase Freedom a good card that will come in handy while offering you some basic rewards, too.

 

Decision Time: Is the Wells Fargo Platinum the Right Card for You?

The Wells Fargo Platinum is a good option to consider for certain people. It is not going to be a credit card that will appeal to everyone due to its lack of many features. It is not going to give you any type of rewards and this could wind up being a big disappointment for some. Even so, it is a card that is great at what it does.

 

If you need a credit card that is going to offer you financing options that fit within your budget, then you will love this card. This card can help you to cut down on your debt and can be used in many intelligent ways. The introductory APR period is actually pretty lengthy and it can be used to your advantage. If you want to pay down credit card debt, then this card is an excellent one to keep in your wallet.

 

Anyone who likes having access to a good standard credit card with no annual fees will find this card appealing. Just take the time to consider whether you want to forego the usual rewards perks to use the Wells Fargo Platinum card instead. Depending on what you are looking for in a credit card, there may be other credit card options on the market that will work better for you. If you’re trying to pay your debt down, then you have found your credit card of choice that will help you to get the right results.

Wells Fargo Platinum

Introductory Offer:

18 Month Intro APR Offer

Rewards:

No Rewards Points

Benefits:

Intro APR offer.
Cell phone protection. ($25 deductible)

Annual Fee:

No annual fee.

Our Thoughts:

This is a great card for its intro APR offer and balance transfers. It has no annual fee and also offers great cell phone protection and free credit score access.
LEARN MORE >>
united explorer business review

united business card

United Business Card

100,000 miles after spending $10,000 in 3 months.

$99 Annual Fee

LEARN HOW TO APPLY >>

If you find that you are doing a lot of traveling for your business, then it makes sense to seek out a travel rewards credit card. When you are going to be spending money on flights, it makes sense to want to get rewarded for it. If you use a travel rewards credit card to its full potential, then you can really work to save your business a bit of cash in the long run. There are a lot of different options to consider when it comes to finding a travel rewards credit card too.

 

Some rewards cards for businesses are going to be more general and will provide cash or statement credit bonuses. Other are more focused on travel benefits. This is the case with the credit card that we will be discussing today. The United Explorer Business Card is an airline travel rewards credit card that really comes in handy for certain businesses.

 

When your business books flights through United Airlines often enough, this credit card will be able to show you some real rewards potential. Being able to earn rewards at a fast rate is a great thing for your business. To add to this, you will also have many different perks or benefits that you can enjoy for being a cardholder. Is this card going to be a good fit for your business? Read on as we examine this credit card in depth so that you can make a decision for yourself.

 

United Business Card

INTRODUCTORY OFFER
Earn 100,000 miles after spending $10,000 in the first 3 months.
REWARDS
You'll earn 2X points on local transit, restaurants, gas stations, office supply stores, and with United Airlines.
BENEFITS
Free first checked bag for cardholder and one companion.
2 United Club Lounge passes per year.
Priority boarding.
Employee cards at no additional cost.
FEES
$99
TRAVEL FREEDOM THOUGHTS
If you fly United, this card may make sense for you. The signup bonus is enough miles for multiple round trip flights. That is if you can find award space...
LEARN MORE >>

 

United Explorer Business Credit Card Fees

As with most travel credit cards, this card is going to come with an associated annual fee. The annual fee is set at $95 but it is going to be waived for the first year. Not having to pay it for the first year is a pretty good deal and the fee is not overly high anyway. This annual fee falls right in the middle of the pack as far as airline travel credit cards for businesses go.

 

The APR for this credit card is standard or maybe just a little bit high. This is not the type of card that most businesses will carry a balance on, though. The APR falls in line with most of the other travel rewards credit cards. One slight disappointment is that this card does not offer any sort of an introductory APR as an incentive.

 

Fees are also fairly standard when you are using this credit card. The balance transfer fee is set at 5% with a $5 minimum. The cash advance fee is also set at 5% but it has a $15 minimum. The maximum late fee that you can expect to pay with this credit card is $39.

 

You will not need to worry about paying any foreign transaction fees with this card. This will work out well for any businesses that fly out of the country regularly. If you have foreign business partners and need to go to meetings from time to time, then this card will remain very practical to use. Any time that you can avoid fees is going to be helpful so this is definitely a check mark in the positive column for this credit card.

 

Features of the United Explorer Business

This credit card has several features that will help it to stand out as a good option. One of the first ones that you will notice is that it has a nice sign-up bonus. Sign-up bonuses are fairly standard for rewards cards of any type but this one is actually quite nice. You will be able to earn many bonus miles for spending a pretty standard amount of money within the first three months, making it very easy to earn the miles.

 

You can also expect this card to be very secure for you. It makes use of the latest security technology and it is completely chip-enabled. This card will also be able to make use of a PIN to keep your account that much safer. This is fairly standard but it does help to make cardholders feel more comfortable that their business credit cards are as secure as they should be.

 

Most of the other important features are going to have to do with the rewards program. We will go over the rewards program in depth later on. Aside from standard features, this card also has a significant amount of benefits that will help to make your traveling experience great.

 

Benefits of the United Explorer Business

Cardholders will be able to enjoy a number of amazing benefits when making use of this credit card. One of the good benefits of being a cardholder is that you will be given calendar year bonus miles. This is fantastic for your business as it can help to offset some of your yearly travel expenses. You can expect to get 10,000 bonus miles each calendar year when you spend at least $25,000.

 

Business travelers who are using this credit card will also receive priority boarding. You will be able to access Group 2 boarding for both yourself and any companions who are traveling on the same reservation. You just need to include your MileagePlus number in your reservation. This is great for when you are traveling with multiple people on a business trip and it makes your traveling experience that much more convenient.

 

You will also get your first checked bag for free when you use this card. This also works for companions who are traveling with you when you include your MileagePlus number in your reservation. Making use of this benefit is going to help to save your business some money over the years. Avoiding several baggage fees will add up to a significant amount of savings in a calendar year so this can potentially make up for the annual fee after three or four flights.

 

Another benefit is that you will receive two United Club Passes. These passes grant you access into the lounge and it will significantly improve your travel experience. Note that these passes are one-time-only. Regardless, each pass is valued at around $118, making it a very nice perk to have access to.

 

There are a few other standard benefits that are worth making note of too. For instance, this card will grant you auto collision insurance on your rental cars. This gives you primary coverage that will cover the car in the event of the car being stolen or damaged. The coverage amount is up to the cash value of the car and it helps you to avoid having to submit an insurance claim to your normal car insurance company.

 

You will notice that there are a few luxury resort and hotel perks that are associated with this card too. When you book hotels through Chase’s Luxury Hotel and Resort Collection, you will be able to enjoy free breakfast and room upgrades. You’ll also be able to enjoy several other standard benefits such as lost luggage protection, trip insurance, purchase protection, and much more. It is definitely a full-featured card that will prove to be very worthwhile for your business.

 

Rewards Program Info

The rewards program is actually where this credit card starts to stand out from the competition. Some airline travel rewards business credit cards do not offer too many opportunities to earn increased bonus points. This is not the case with the United Explorer Business Card. Cardholders can earn 2X miles on all United purchases as well as purchases at gas stations, restaurants, and even office supply stores.

 

All of the other purchases that you make with this credit card will allow you to earn 1X miles for every $1 spent. This is a good amount of reward miles to earn for your everyday business expenditures. Being able to earn the increased 2X bonus miles rate on so many different things will be helpful. Those who spend a lot of money on those categories will wind up earning miles at a very fast rate.

 

Redeeming the rewards that you have earned will be a good experience too. You can redeem your miles for flights with United, as you might expect. It is also possible to redeem miles for flights with United Airlines’ 27 Star Alliance partner airlines. This gives you plenty of options to make use of and will allow you to book your travel in the most convenient ways possible. The United Explorer Business card is not as limiting as some other airline-specific travel credit cards and it should be very customer-friendly.

 

It should also be noted that you will be able to book your United flights with your rewards points without having to worry about blackout dates. It is always nice when companies do not put restrictions on you in this way. You will be able to use your miles as you see fit without being forced to use the rewards only for specific dates. Miles can also be redeemed for car rentals, hotels, and merchandise but this will not allow you to maximize the value of your earned miles.

 

The Pros

  • Great benefits
  • Good sign-up bonus
  • Robust rewards program
  • Ease of redeeming rewards

 

This card definitely has many great benefits. Being able to enjoy checking your first bag for free is going to save your business a lot of money. You will be able to enjoy other great perks too, such as priority boarding. When you combine this with the more standard perks, it really becomes obvious that this card is very beneficial to have in your wallet.

 

The fact that this credit card has a good sign-up bonus is really nice as well. It is not hard to earn the sign-up bonus and it will be easy to take advantage of some easy bonus miles. These miles can definitely be used to help keep your travel costs a bit lower for your business. This is a better sign-up bonus than many other travel rewards credit cards so it will definitely pull some people in.

 

Credit cards that have a robust rewards program are always so satisfying. This airline travel rewards credit card makes it easy to earn bonus miles. You can earn a 2X bonus miles rate on United Airlines purchases, gas stations, office supplies, and restaurants. Many businesses will be able to take advantage of this to really rack up those bonus miles.

 

Redeeming your earned rewards is very easy with this credit card too. You will be able to redeem your earned miles for flights with United Airlines and can also book flights with the many partner airlines that are associated with United. This makes it about as convenient as it can possibly be and you will be able to use your miles as you see fit. There are no blackout dates to concern yourself with and it will be a smooth experience.

 

The Cons

  • APR might be a bit high.
  • Some people may want greater rewards flexibility.

 

This is a very good credit card that does not have too many negatives. Even so, it can be said that the APR on this credit card is a bit higher than some others. It also does not offer any type of special introductory APR rate. If these types of features are important to you, then you may wish to think twice about this card.

 

Also, some businesses may wish for more flexibility in the rewards structure. The rewards of this credit card are quite good but you will not be able to get cash back or make use of many other options. You can redeem rewards for merchandise, hotels, and rental cars but doing so will not be cost-effective. You will get more monetary value out of your earned miles when redeeming them for flights so you will likely feel obligated to do just that.

 

If you like being able to choose between cash-back options and travel redemptions, then you may want to look into a different business rewards credit card. Otherwise, this credit card will be very good for businesses that travel often. It can help to keep travel costs a bit lower and will always be easy to use.

 

Credit Score Needed for Approval

You will need to have a credit score that falls in the good range to be approved for this card. It is going to be best to have a score that is toward the higher 600s in order to give yourself the best chances. Taking the time to check your credit score first is always a good idea. This will allow you to know for sure whether or not you have a chance of being approved.

 

Who Does the United Explorer Business Card Appeal to Most?

As expected, this credit card is going to appeal to businesses and business owners who do a lot of traveling. If you have to fly to get to business meetings or other important events, then it makes sense to have a credit card such as this. It can help you to earn rewards and this can offset some of your expenses in ways. The access to travel perks is great too as it allows you to have a smoother traveling experience.

 

This card is also perfect for businesses that fly using United Airlines regularly. If you are already a United Airlines customer, then this card is a natural fit for you. This is going to allow you to earn 2X miles for all of your United Airlines purchases so it is a good card to help you earn rewards quickly. It will work out nicely for anyone who generally sticks to United Airlines and should help your business out a lot.

 

An Alternative Card to Consider

The Ink Business Preferred Credit Card may be a better fit for some people. If you like to use credit cards that are not tied to a specific airline, then this one may be perfect. It offers a huge signup bonus and it’s points can be transferred to many airlines and hotels, including United. It also offers you the ability to earn 3X Ultimate Rewards points for the first $150,000 spent on travel, utilities, and shipping. This card can be quite lucrative for businesses and it may be the right one for you.

Chase Ink Business Preferred Credit Card

Chase Ink Business Preferred

80,000 points after spending $5,000 in 3 months

$95 Annual Fee

LEARN HOW TO APPLY >>

See our full review of the Chase Ink Business Preferred.

 

This card has some pretty good perks too. It matches up well with the United Explorer Business Card. In some ways, the Ink Business Preferred Credit Card is more flexible. It just depends on what you want out of your business rewards credit card. If you travel a lot and fly with United Airlines, the United Explorer Business Card can still be a very appealing option. Both are very much worth considering.

 

Decision Time: Is the United Explorer Business Card Right for You?

The United Explorer Business Card is something that just might deserve a place in your wallet. If you need a reliable credit card that will help you to save money on travel costs by earning rewards, then this is great. It is perfect for existing United Airlines customers and will make your business travel expenses that much easier. If you have a need for a business credit card that will offer you good travel perks, then this one should be at the top of your list.

 

You will be able to make good use of this card to help you earn many bonus miles. Spending the miles will always be intuitive and you will have many options for booking flights. The annual fee for this credit card is reasonable and the perks make it even more worthwhile. It is a good card that will work well for any business that is capable of using it to its full potential.

united business card

United Business Card

100,000 miles after spending $10,000 in 3 months.

$99 Annual Fee

LEARN HOW TO APPLY >>

us bank cash plus review

Many people need to have access to a good rewards credit card. When you are able to use a rewards credit card for everyday purchases, it can help you to earn rewards that will offset some of the costs. This really comes in handy, and it helps people to use their money in smart ways throughout the year. The problem is that there are so many different rewards credit cards on the market to pick from.

 

You might even feel a bit intimidated by all of the various rewards credit card options. Thankfully, it will be much easier to pick out a good one when you have access to all of the right information. Today we will be looking at the US Bank Cash Plus credit card. This card has proven to be among the most popular options for people who are seeking a good cash back experience.

 

Is this credit card worthwhile enough to warrant it taking up a spot in your wallet? Read on as we examine this card from every possible angle. We will discover the various features and benefits that it has to offer while paying close attention to the rewards program. You’ll be able to make a good decision on whether or not to apply once you have seen all of the information.

 

US Bank Cash Plus

Introductory Offer:

You'll earn $150 after spending $500 in the first 90 days.

Intro APR offer on balance transfers.

Rewards:

You'll earn 5% on the first $2000 each quarter in 2 selected categories.

Earn 2% on 1 more selected "EveryDay" category.

Benefits:

No limit to total cash back earned.

Annual Fee:

No annual fee.

Our Thoughts:

This is one of the best true cash back cards. You can earn 5% per dollar spent on valuable categories that you get to choose from. Utilities seems like a good option... Plus, you also get 2% on a category like gas, restaurants, or groceries. As a lesser known card, it packs a punch with no annual fee!
LEARN MORE >>

 

US Bank Cash Plus Credit Card Fees

Right away, you will notice that this credit card does not come with an annual fee attached to it. This is great news for anyone who gets a little nervous about having to pay to get access to a credit card. You will be able to sign up for this card without worries due to the lack of an annual fee. It makes it easier to simply earn rewards and use the card as you see fit, as you do not need to earn enough rewards money to justify some high fee.

 

Cardholders will also be able to enjoy a very good introductory APR for the first 12 billing cycles. This introductory APR offer applies to both purchases and balance transfers, too. It gives the credit card a bit of added utility for those first 12 billing cycles. If you use the card intelligently, then it will be easy to keep your balance paid off without having to worry quite so much about interest.

 

The normal APR is pretty standard and should not give you any pause. After the initial 12 billing cycles have passed, you will be dealing with the normal APR rate. Since it is fairly normal, it should not throw you off in any way. This card has a very comparable rate to most other credit cards like it, with the rate varying somewhat depending on certain factors.

 

This credit card does have other types of fees that you will need to be worried about, though. One of the more annoying ones is the foreign transaction fee. If you find yourself traveling outside of the country from time to time, then you should know that this card charges a 3% foreign transaction fee if the transaction is made in foreign currency. The fee percentage will be at 2% if the exchange is done in US dollars. Fees like this can add up after a while, so this is not going to be the most practical credit card to use while you are abroad.

 

You can also expect to have to deal with balance transfer fees. Due to the introductory APR of this card, some people will want to consider transferring a balance over. The balance transfer fee of 3% with a minimum of $5.00 may deter some people. It is a fairly standard fee, but you still need to be aware that it is there.

 

Features of the US Bank Cash+

One potentially disappointing element of this credit card is that it does not have a very intriguing introductory offer. This is not likely to be a huge problem for many people but it still might sway your opinion a bit. If you look forward to the opportunity to earn a bit of a bigger welcome bonus when signing up for a new credit card, then you should know that you will not be getting the very best experience here. The lack of an annual fee helps to alleviate that disappointment a good bit, but it still is a bit of a negative.

 

The small introductory offer is very easy for cardholders to achieve. For spending a small amount of money in the first three months of being a cardholder, you will be granted a bonus. This gives you an almost instant bump to your rewards, but it is not a high amount. Even so, any rewards are always going to be quite welcome. It just may not stack up to other sign-up bonus offers from comparable cards.

us bank cash plus credit card

 

Benefits of the US Bank Cash+

The benefits of this credit card are mostly standard, but some of them are going to be quite helpful. For instance, being a cardholder is going to give you access to extended warranty protection. When you buy a product that is covered under a warranty, your credit card is going to be able to extend that warranty by one year, in many cases. This helps to keep important purchases covered under a warranty for longer periods of time and can allow you to avoid any inconveniences due to something breaking down.

 

Lost luggage reimbursement is another good perk that cardholders will take advantage of regularly. When your bags are lost while you are traveling, you will be able to be reimbursed. Getting reimbursed for the value of your lost bags is great. It may not be convenient to have your luggage stolen or misplaced, but at least you can be compensated for it monetarily.

 

You can also use this credit card to provide yourself with an auto collision damage waiver. This is perfect for when you need extra insurance for your rental car. It can help to keep you safer by alleviating some of the burdens on you when something goes wrong with your rental car.

 

Rewards Program Info

The rewards program that this credit card offers its customers is the main reason to sign up. It is going to provide you with a very flexible rewards experience that can conform to what you want it to be. In order to take full advantage of this, you are going to need to be very proactive, though. You have to opt-in when it comes to certain bonus categories, and you will need to manage a lot of factors in order to maximize the profitability of this card.

 

You are going to be able to earn 5% cash back on certain bonus categories each quarter. What makes this card stand out is the fact that it allows you to choose certain categories. There are going to be a series of different bonus categories each quarter, and you will be allowed to pick two of them where you can earn 5% cash back on your first $2,000 spent on that category. There will also be a 2% cash back category that will allow you to pick an additional category to earn that amount.

US Bank Cash Plus Categories

 

If you do not opt-in to these categories, then you will be earning the standard 1% cash back rate on any purchase that you make. This means that this is a rewards credit card that requires you to manage it effectively. You do not want to forget to pick your categories, or you will accidentally hamper your ability to earn rewards in a meaningful way. As long as you are on the ball about keeping track of your credit card information and statements, this should not be a big deal.

 

Being able to earn 5% cash back can help you to earn rewards at a good rate. Many people will be able to reach the caps on the different categories each quarter. It just comes down to how much you spend and what types of things you buy with your credit card. If you pick the right bonus categories, then it should be simple to earn the maximum rewards over time.

 

You should note that sometimes certain categories will disappear. Fast food may be a category for one quarter, and then it will disappear the next. Categories will sometimes stick around for multiple quarters, too. You just have to check what is available and you are allowed to choose the same category over and over again so long as it is an option.

 

Your earned rewards can be redeemed for statement credit very easily. You will also be able to choose to redeem the rewards in the form of gift cards or as a deposit into an eligible U.S Bank. Rewards can be redeemed in any amount so long as you are not trying to redeem for gift cards. Gift cards need to be redeemed in $5.00 increments.

 

The Pros

  • Flexible bonus categories
  • Good rewards potential
  • Easy to redeem rewards
  • No annual fee

 

The flexible bonus categories offered by this card are definitely among the best reasons to sign up. You will not have to worry about having to hit bonus categories that you would never normally use. You pick the categories that will earn you 5% cash back rewards. It makes it easy for just about anyone to use this card to its full potential.

 

The good overall rewards potential of this card is going to make it stand out, as well. You can earn 5% cash back on special categories for the first $2,000 that you spend on that category. This helps you to earn rewards at a fairly high rate. If you pick categories that you use all of the time, then it will be easy to hit those caps and earn the maximum amount.

 

Redeeming rewards is very simple, as well. You will always be able to rely on getting a statement credit for your rewards. Rewards can also be redeemed for gift cards, or you can have rewards money deposited into an eligible U.S Bank account. This is a simple rewards redemption structure that will work well for you.

 

This card does not even have an annual fee that you need to contend with. Signing up for a card is a lot easier when you do not have an annual fee hanging over your head. If you are able to qualify for this card, then it should be easy to make use of it right away. No pesky fees are getting in your way of having access to this credit card.

us bank cash plus

 

The Cons

  • Foreign transaction fees
  • Middling sign-up bonus
  • Complicated rewards program

 

The foreign transaction fees are going to be a real downer for some people. If you have to travel outside of the United States on occasion, then you will need to pay foreign transaction fees if you use your card. The fees are fairly standard, but it is always a nuisance when they pop up. If you travel abroad frequently, then you may not want to rely on this card while you’re away.

 

This credit card has a fairly middling sign-up bonus, as well. Any type of sign-up bonus is a nice addition. This one just doesn’t offer you anything big to help the credit card stand out. If you like hunting big welcome bonuses, then this card may disappoint you just a bit.

 

Having a complicated rewards program will harm this card in some ways, too. You have to micromanage this card and pick your bonus categories each quarter. If you like a more laid-back experience with your rewards credit cards, then you should probably find something simpler. This card requires your attention when you want to use it in the most beneficial ways.

 

Credit Score Needed for Approval

You should know that this credit card is only going to be available to those who have excellent credit scores. If your credit score is 720 or higher, then you should have a good chance of being approved for this credit card. This is going to limit the number of people who are able to take advantage of the card, but it will be a worthwhile card to have access to, for those who can qualify. Make sure to check your credit score to ensure that you meet the requirements in order to be approved.

Credit Sesame Price: Free Get your free credit score each month, and monitor your credit report at no cost. We'll also send you monitoring alerts about changes to your credit report. Credit Sesame

 

Who Does the US Bank Cash Plus Card Appeal to Most?

This credit card is going to appeal to anyone who wants to have a very user-friendly cash back rewards credit card. This is a credit card that has a lot in common with many of the other famous cash back credit cards on the market. Even so, it manages to stand out in several key ways. Being able to choose your bonus categories really makes it simpler for each person to maximize the rewards potential of this credit card.

 

Anyone who needs a good credit card that can be used for everyday purchases will find this to be a handy option. It has good features, and it offers you very good rewards potential. If you have been waiting for a rewards card that is convenient enough to fit in with your purchasing habits, then you will want to consider signing up for this one. It offers cardholders a smooth experience, and it makes it simple to earn rewards your way.

 

An Alternative Card to Consider

The biggest alternative to this credit card is certainly the Chase Freedom Card. Much like the US Bank Cash Plus, the Chase Freedom Card can offer people 5% cash back on bonus categories. Being able to earn 5% cash back on these bonus categories for the first $1,500 spent is a good reason to sign up. People sometimes choose the Chase card over the others due to the conveniences of the Chase Ultimate Rewards program.

chase freedom card

Chase Freedom

$150 (15k Ultimate Rewards) after spending $500 in 3 mo.

No Annual Fee

LEARN HOW TO APPLY >>

See our full review of the Chase Freedom card.

 

Having access to the Chase rewards redemption options can really be quite convenient. If you are looking to redeem your points for maximum value, then Chase may be the way to go. It offers many options for travel redemptions and offers a similar experience to the US Bank Cash Plus card. It is not as good as the US Bank Cash Plus in some aspects while being superior in others. The decision on which to go with will ultimately rest with you.

 

Decision Time: Is the US Bank Cash Plus Right for You?

Signing up for the US Bank Cash Plus is going to be very helpful for a number of different people. This is among the most convenient cash back credit cards on the market. The rewards program is very good, and being able to choose your own bonus categories is incredibly helpful. If you want to be able to do things in your own way when it comes to earning rewards, then this might be the card for you.

 

This card has high rewards potential, and it also offers you many other conveniences. It is not easy to gain access to this card, as it requires an excellent credit score. Regardless, if you have excellent credit and are in need of a credit card like this one, then it comes highly recommended. It can help you to earn rewards fast, and you can use those rewards intelligently to alleviate some of your financial burdens.

 

US Bank Cash Plus

Introductory Offer:

You'll earn $150 after spending $500 in the first 90 days.

Intro APR offer on balance transfers.

Rewards:

You'll earn 5% on the first $2000 each quarter in 2 selected categories.

Earn 2% on 1 more selected "EveryDay" category.

Benefits:

No limit to total cash back earned.

Annual Fee:

No annual fee.

Our Thoughts:

This is one of the best true cash back cards. You can earn 5% per dollar spent on valuable categories that you get to choose from. Utilities seems like a good option... Plus, you also get 2% on a category like gas, restaurants, or groceries. As a lesser known card, it packs a punch with no annual fee!
LEARN MORE >>

If you are a very regular traveler, then you likely want to make sure that you have the best time possible while you are away from home. One of the biggest parts of traveling is actually flying to your destination. People who travel a lot wind up spending copious amounts of money on travel expenses each year. If you add up the total amount of money that you spend on airfare in one year, then you just might be shocked.

 

Regardless, you can still make things more manageable for yourself when you have access to the right credit card. You can enjoy some luxurious perks while also gaining access to rewards miles. Those who consider themselves to be loyal Delta Airlines customers will have several options to consider, too. There are many travel rewards credit cards that are partnered with Delta specifically.

 

One of the options that is available to you is the Gold Delta SkyMiles Credit Card from American Express. This is a credit card that actually does have quite a bit to offer. Even so, is this one worthwhile in comparison to the many other options on the market? We aim to help you answer that question with our in-depth review today.

 

We are reviewing the Gold Delta SkyMiles Credit Card from American Express as thoroughly as possible today. To give you the right information, we are going to be taking a look at the perks, the rewards program, the fees, and everything else about this credit card. After reading all about what this card has to offer, it is going to be a lot simpler to determine if you are interested or not. Simply read on and we will figure out the particulars of this card together.

 

Prices and Fees

The annual fee for this credit card is set at $95.00, but you will not have to pay it for the first year. The annual fee is waived for your initial year as a cardholder, and that is a nice touch. Overall, the annual fee of this card is not too bad either. When you consider what the credit card is giving you access to, it will be easy to justify the fee.

 

You will not have to pay any type of foreign transaction fees when using this card either. This is definitely good for anyone who travels outside of the country sometimes. If you have friends or family outside of the United States, then you will at least know that you can use your credit card while traveling. This is an important thing for many people, so you can rest easy knowing that there are no foreign transaction fees to worry about.

 

All of the other fees are very standard and will not deter you from wanting to sign up. Both the balance transfer fee and the cash advance fee are set at 3% with a $5.00 minimum fee. These fall within normal ranges that you expect out of credit cards in this tier. You likely won’t be using this credit card as a balance transfer card either, so these fees are things that you won’t have to worry about often.

 

Features and Benefits

It is important to be aware of the sign-up bonus that you can receive from this credit card. If you manage to qualify for it, then you will be able to earn a substantial number of miles to use. All you need to do to earn this sign-up bonus is spend enough money on your credit card within the first three months. The number that you need to reach is not all that high, so most people who travel regularly will easily earn it. It can help to offset some of the annual fee that you will be paying for this credit card.

 

One feature that you will be getting a lot of use out of is the free checked bag. You are able to get your first checked bag for free on all Delta flights. Most people will wind up saving at least $50.00 per flight by using this convenient perk. If you travel at least once per month, then that is going to add up to a significant number. Being able to save this amount of money really goes a long way toward making this card worthwhile.

 

Another great benefit is that you will be able to board your flight earlier than everyone else for being a cardholder. You can get main cabin 1 priority boarding just for paying for your Delta flight with this credit card. It allows you to get on the plane faster so that you can find your seat and get settled. This is a very convenient perk that you will be using all of the time to improve your traveling experience.

 

Cardholders can also enjoy a nice little discount on Delta Sky Club access. If you like to use airport lounges while you are traveling, then this is going to be perfect for you. Instead of paying $59.00 to enter the lounge, you will be able to pay only $29.00. These lounges are really nice and it can really make your travel time go by that much faster.

 

You will also receive a nice baggage protection perk that can keep you safe in the event that something goes wrong. As long as you paid for the baggage fees with your credit card, you will be able to be reimbursed for lost or damaged baggage. Anyone who travels often enough will be able to see the benefit of having this standard, but valuable, perk. Other good perks include purchase protection, return protection, and car purchase discounts.

 

Rewards Program Info

This credit card allows you to earn 2X miles per $1.00 spent on purchases made directly from Delta Airlines. If you fly with Delta often enough, then this could be a good card for you to consider. Being able to earn a good amount of Delta SkyMiles for every flight that you book is going to be a nice boost. You will be able to use your earned miles to pay for airfare through Delta, which can really save you a lot of money each year.

 

You do need to remember that you have to book your flights directly through Delta to earn the points. This means that you must not use any type of third party app or travel agency to book the flights. If you want to get the most out of this credit card, then you need to buy everything from Delta directly. This is not hard to do or anything, but you need to know how to go about it in the proper fashion.

 

Cardholders will also be able to earn 1X miles per $1.00 spent on all other qualifying purchases. This is not a great rewards rate, but it does allow you to earn miles for random purchases. You likely will not want to use your credit card to buy everyday items, though. To get the most out of this credit card, you really need to be a frequent flyer with Delta Airlines.

 

Thankfully, Delta Airlines makes redeeming your miles nice and simple. Your Delta SkyMiles have a very good value and you will be able to use them to pay for flights easily. You can book flights without needing to worry about blackout dates. This makes it convenient to use your earned miles to get where you need to go easily.

 

The fact that Delta SkyMiles do not expire is also fantastic. Some airlines have miles that will expire when you do not use them within a certain window of time. You do not have to worry about that with the Delta SkyMiles that you will be using. Even if you do not travel for a long time, your SkyMiles will be there waiting for you when you decide to make use of them.

 

Pros

  • No foreign transaction fees
  • Very good perks
  • Delta SkyMiles have good value
  • Delta SkyMiles do not expire

 

Being able to use this credit card outside of the country without having to worry about fees is important. Many people need to be able to travel abroad to visit family members or to do important business. This credit card can be used in other countries without forcing you to pay high fees. Many other credit cards do charge these foreign transaction fees, so it is a great thing that this one is customer friendly.

 

You will be able to enjoy some very good perks when you make use of this credit card. Cardholders can get their first checked bag for free on Delta flights. You will be able to enjoy main cabin 1 priority boarding to make your traveling experience even simpler than usual. It is also possible to gain access to the Delta Sky Club at a reduced price, making it very practical to use these lounges when you have a layover.

 

The Delta SkyMiles that you will be earning all have very high value as well. Being able to earn miles at a good rate for direct Delta purchases is nice. When you go to redeem the miles, you will see that they are quite valuable. You will be able to pay for flights to take care of some of your travel expenses.

 

You also do not have to worry about your Delta SkyMiles expiring on you. Even if you do not use these miles for a long period of time, they will still be there for you when you decide to travel again. Not having to feel like you are forced to use the miles at inopportune moments is a good thing. You will always be able to have a good experience with the Delta SkyMiles rewards system.

 

Cons

  • Has an annual fee
  • No free lounge access
  • Rewards potential is not as high as it could be
  • American Express may not be accepted in as many places as Visa or MasterCard

 

There are going to be people who will shy away from signing up for this card due to the annual fee. Even so, the annual fee is actually very reasonable. Paying only $95.00 per year is not that bad and the fee is actually waived for the first year. It just comes down to how much you will use the card and whether you can come out ahead. Most people will come out very far ahead.

 

It is somewhat disappointing that this credit card does not grant you free lounge access. You will be able to enter the Delta Sky Club while enjoying a decreased price for the passes. Even so, having to pay $29.00 to enter the lounge does not seem like a perfect perk. It is better than paying full price, but free entry passes would have been nice.

 

Also, the rewards potential of this credit card is somewhat mediocre by some standards. You will be able to earn the 2X miles rate for only direct Delta purchases. You will only be earning 1X miles for every other purchase, making it somewhat unimpressive. To get the most out of this card, you have to use it for Delta traveling only.

 

One potential negative that you should be aware of is that American Express may not be accepted in as many places as Visa or MasterCard. American Express is a very reputable credit card company, but it is not quite as prevalent in the United States as the two aforementioned brands. If you are worried about being able to use this card at certain locations, then you may wish to look for other options.

 

That being said, this credit card is mostly useful for buying airfare directly from Delta. You will never have a problem using the credit card for its intended purpose. Also, American Express is accepted at most reputable retailers. It just may not be accepted in some smaller stores or certain chains that do not have the right deals in place. Consider the importance of this and then make the decision that is right for you.

 

Credit Score Needed for Approval

Getting approved for this credit card will not be simple for everyone. You are going to need to have a very good credit score or an excellent credit score to qualify. Credit scores of 690 and higher should have a chance of being approved for this card. Those with lower scores will need to work on their credit and then consider coming back to apply at a later date. Check your credit score ahead of time for the best results.

 

Who Does This Credit Card Appeal to?

This credit card actually has good appeal for a few different types of people. Of course, it is going to appeal to those who travel with Delta Airlines regularly. If you are a loyal Delta customer, then this credit card just makes sense for you. It allows you to earn miles with Delta and it gives you access to several beneficial perks to make traveling even nicer.

 

People who travel all the time will also really enjoy having a card such as this. It gives you several conveniences that make it simpler to travel than it would otherwise be. Simply having access to main cabin priority 1 boarding is going to save you some headaches moving forward. Being able to enjoy having your first checked bag be free on Delta flights is also a fantastic little perk.

 

An Alternative to Consider

If you would like to forego the annual fee, then you may wish to sign up for the Blue Delta SkyMiles Credit Card from American Express instead. This credit card actually has better rewards potential than the Gold version of the card while being less expensive. You can earn 2X miles per $1.00 spent on US restaurant purchases, giving the card some added practicality.

 

The downside is that it does not give you access to all of the perks that the Gold Delta SkyMiles Credit Card does. You will not be able to check your first bag for free on Delta flights if you go with the Blue version of the card. Also, the Blue Delta SkyMiles Credit Card has foreign transaction fees. You will need to think about what matters to you the most and which will be the most lucrative option for you.

 

Conclusion

You will be able to make good use of the Gold Delta SkyMiles Credit Card from American Express if you travel often enough. This is a solid airline travel rewards credit card that has many good perks. If you like having your traveling experience improved by being given preferential treatment, then this card is pretty decent. You can enjoy priority boarding, one free checked bag, and less expensive access to the Delta Sky Club. It definitely appeals to many people who love flying with Delta.

 

Most people who travel fairly frequently will come out way ahead, even though this card has an annual fee. If you like to travel and Delta is your airline of choice, then you should consider signing up for this one. So long as you qualify, you will have a very good experience. It can limit your travel costs while ensuring that you have the smoothest traveling experience possible at this tier.

amazon credit card

With so many of our purchases taking place on Amazon, does it make sense to have an Amazon credit card? Many business rewards credit cards and cash back cards give only 1% cash back on purchases from Amazon. Some of the best credit cards will allow nearly 5% cash back on Amazon purchases and also give you the chance to gain 2% cash back or more for expenditures made elsewhere. They also offer great benefits like interest-free finance (limited to Amazon purchases) and free gift cards.

 

Here are some of the Amazon credit cards that offer the best value:

 

Amazon Business American Express Card

This is one of the best credit cards for people who purchase frequently at companies owned by Amazon. The Amex Amazon credit card owners will gain 90-day free financing or 5% cash back for US-based spending at Amazon.com, Amazon Business, Whole Foods as well as Amazon Web Services. The ongoing APR can go down to 16.9% and there is hardly any card that can match these benefits on Amazon purchases.

 

Card-Related Expenses

Here are the fees and financing costs on this card:

  • Balance transfer fee: It will be the greater of either 3% value for every cash advance or $5.
  • Yearly fee: There is no such fee. But if you want to avail the 90-day free financing, you must be a Business Prime or Amazon Prime member.
  • Ongoing APR: Varies between 16.5 percent and 24.5 percent which depends on the prime rate.
  • Introductory APR: Although there is no such cost, cardholders can avail 0% APR lasting 90 days for spending on Amazon businesses.

 

There may be some cards that provide a zero percent introductory offer lasting 12 months (or beyond) on spending. But none of them provide the benefit of zero percent financing lasting 90 days on all Amazon spending (as long as you are the holder of the card). So this is a unique advantage. However, the ongoing APR is around 3 percentage points more than that of the American Express Blue Business Plus card.

 

Amazon Amex Card Rewards

This Amazon credit card offers rewards at the highest number of Amazon businesses compared to other cards. With the Amazon Prime Rewards Visa Signature Card, you can earn 5% at only Whole Foods and Amazon.com which is limited compared to this card.

 

Introductory Rewards

Compared to non-Prime members, Amazon Prime members can gain greater introductory rewards.

 

For instance, Prime members can receive an Amazon gift card worth $125 for signing up, whereas the non-Prime members can get a gift card from Amazon worth $100 for signing up.

 

Ongoing Rewards

When using this card, you will get these cash back rewards:

  • Interest-free finance for 90 days or 5% cash back is available to Prime Members making US-based transactions at Amazon Web Services, Amazon Business, Whole Foods and Amazon.com
  • Rest of the customers may receive interest-free financing for 60 days or 3 percent cash back on US-based purchases made at Whole Food, Amazon, Amazon Business and Amazon Web Services.
  • Two percent cash back for spending at US-based gas stations, restaurants, and wireless communication services.
  • One percent cash back may be received on other purchases that qualify.

Amazon credit card

 

 Possible Drawbacks

This Amazon credit card isn’t what you would be using for most of your purchases if you are aiming to maximize your rewards. It will yield only one percent cash back on purchases made outside of Amazon, US-based gas stations, restaurants and wireless services. This is less than the 2% cash back earned through the Capital One Spark Cash for the same spending.

 

Signing Up

Other benefits include a quick and easy signup process. In some cases, it took just a few minutes. Customer service is very good.

 

You may apply for this card on Amazon and if approved you can expect to receive the card within a time frame of seven to ten business days.

 

Amazon Prime Rewards Visa Signature Card

The Visa Signature Amazon credit card is among the best credit cards for category-based spending.

 

This Amazon credit card is suitable for those who make a lot of Amazon purchases and wish to receive 2 percent cash back for spending on drugstores, gas stations and restaurants. The ongoing APR can fall to a relatively low 16.3%. If you were unable to qualify while applying for the business credit card, then this card is the answer because it is a personal credit card.

amazon credit cards

 

Fees of the Amazon Visa Card

The fees and financing costs related to the Amazon Prime Rewards Visa Signature Card are as follows:

  • Balance transfer fee: The greatest of either 5% of the value of every cash advance or $5.
  • Annual fee: No such charge. However, you have to be an Amazon Prime member to be eligible. This costs $119 per annum
  • Ongoing APR: It may vary from 16.2 percent to 24.2 percent. This percentage adjusts according to the prime rate.
  • Introductory APR is zero.

 

With the Amazon Prime Rewards Card, there is no opportunity for zero percent APR. Such an arrangement is possible with the Amazon Business American Express Card though. It also falls behind the Amazon Business American Express Card which has a lower range of APR as previously described. So if you will be carrying an outstanding balance on your card, then this is not the top option.

 

Cash Rewards

5% cash back reward is available for purchases made from Whole Foods and Amazon. However, the Amazon Business American express card also offers 5% cash back for purchases made from Amazon Web Services and Amazon Business.

 

Introductory Rewards

You can earn a $70 Amazon gift card immediately when your credit card is approved. This reward amount is much lower compared to others.

 

Ongoing Rewards

When spending with your card, you can get these cash back rewards:

  • 5 percent cash back at Whole Foods and Amazon.
  • 2 percent cash back for spending at drugstores, gas stations and restaurants.
  • 1 percent cash back may be available for other purchases that qualify.

 

Although the introductory offer is a bit lower compared to some other Amazon credit cards, you can earn the bonus without any spending requirement, unlike the other cards.

 

Extra features for the Amazon Prime Rewards Visa Signature Card

The following protective measures are provided with this card:

  • Insurance for baggage delay: in case of baggage delays that last more than 6 hours, you become eligible for amounts up to $100 per day up to a maximum of 3 days.
  • Lost luggage: If the carrier loses or damages checked or carry-on luggage belonging to either you or your immediate family member, then there will be $3,000 payment for every passenger.
  • Extended warranty: US manufacturer warranties may be extended by one more year if they are for a 3 year time period or less and if they are eligible.

 

You may apply for the Visa Amazon credit card directly on Amazon. When your application is approved you will receive the card within seven to ten business days.

 

Our Last Thoughts on the Amazon Credit Cards

These are some really good credit cards that offer much higher cash back compared to other credit cards and also have a relatively low APR. They also offer several other benefits that are not present in other cards. So, these credit cards are a must have if you are a frequent shopper at Amazon.

 

Although your first preference should be the Amazon Business American Express Card, it’s also possible that you may not qualify. In that case, the Amazon Prime Rewards Visa Signature Card will be a good second option.

 

 

The 3 Best Alternative Credit Cards to Consider

Maybe you can do better than this credit card. If you have good credit, you should consider a few other options that will give you better benefits. The credit cards below are a few of our favorites, especially if you’re interested in traveling more. A few of these cards have signup bonuses that are big enough to redeem for multiple round trip flights. My wife and I used our Chase Sapphire Preferred signup bonus to book round trip flights for the both of us to Hawaii! It was well worth researching and getting the best credit card.

 

 Cash Back AlternativeCash Back AlternativeTravel Rewards Alternative
Chase Freedom
Chase Freedom Unlimited
Sapphire Preferred
Signup Bonus$150 (15,000 pts)$150 (15,000 pts)60,000
Bonus Spending Categories5X on select rotating quarterly categories1.5X on all purchases2X on travel and dining
Annual Fee$0$0$95
Extra PerksBaggage insurance, trip insurance, rental car insurance
Best for People Who...Want no annual fee

Also have a Sapphire card

Want to earn bonus points on spend
Want no annual fee

Also have a Sapphire card

Want simple 1.5 bonus
points on every purchase you make
Want a large introductory bonus

Like to Travel
Learn More >>Learn More >>Learn More >>

 

Decision Time: Which Credit Card is Really the Best for You?

Here at Travel Freedom, we like to travel, which is why we always prefer travel credit cards for ourselves. You might be the same as us or maybe you’d rather use your points as cashback. Either way, all of these cards earn Ultimate Rewards that can be used for either travel or as cash back.

 

We think that any four of these cards are a better option than the above-reviewed credit card. They earn points that are both valuable and very versatile. You can redeem them for an assortment of things including our favorite, TRAVEL!

express credit card review

Express is a major retailer and like many other retailers today, it offers its own credit card. Applying for the store credit card from Express can save you money when shopping from the store. However, you would have to use the card a lot before you can actually start benefiting from it. If you frequently shop at Express and are considering adding an Express card to your wallet, read this comprehensive Express credit card review.

 

The Express Next Credit Card

express next credit card

The store credit card offered by Express is called the “Express Next Credit Card”. It’s fairly easy to set up and offers standard rewards program allowing cardholders to collect points on purchases made from the store with the credit card. The points accumulate over time and once you have collected enough points, you’ll get a reward certificate. This card also gives you access to exclusive offers and discounts.

 

Since the Express card isn’t affiliated with major payment networks, you can only use it to make purchases at Express stores. The rewards can also only be utilized at Express.

 

Pros of the Express Credit Card

Express Credit Card quick benefits:

  • Cardholders earn 20 points per every $1 they spend at Express stores, both online and in-store.
  • 20 percent off on first purchase
  • At 2,500 points, you get a $10 gift card.
  • Upgrading to A-List status by getting 7,500 points within a year gives better benefits
  • Complimentary birthday gift
  • No annual fee

 

The Express Next Credit Card provides a few benefits that may enhance the experience of Express shoppers. Like most store credit cards, the Express card doesn’t have an annual fee. Once you’re approved for the credit card, you’ll receive a 20% discount on your first purchase made with the card.

 

It offers great reward opportunities. The Express Card reward program is similar to the program included with standard store credit cards. When shopping at Express stores, you’ll earn 20 points per every $1 you spend. Once you collect 2,500 points, you’ll be awarded $10 gift card. A-List credit card holders (details below), will get $15 gift card.

 

Aside from the discount on card approval and rewards program, you’ll receive additional benefits like access to special offers and birthday gift.

 

If you earn 7,500 points in a year, your Express Next Credit Card will be upgraded to Express Next A-List Credit Card. A-List cardholders get additional benefits like free standard shipping on orders from Express and premium birthday gift.  

 

Cons of the Express Card

Express Credit Card quick cons:

  • Limit on the card
  • High APRs
  • No special financing offers

 

While the card does offer good rewards and discounts, there are certain things that aren’t that feasible. For instance, the card comes with a very high APR – 28.49 percent variable. This isn’t a problem for you if you can pay off your balance in full every month. But, if you often carry a balance on your credit cards, you will pay handsomely in interest. Another downside of Express Credit Card is that many new cardholders receive a $500 or $750 credit limit. There are several factors that determine the credit limit, but a low credit limit makes it difficult for people to charge their entire purchase on the card.

 

Credit Score Needed for Express Credit Card Approval

Comenity Bank, the issuer of Express Credit Card doesn’t specify the minimum credit score required for this card. However, you have a good chance of qualifying if your credit score is in the range of 600-650. Since the card doesn’t have an annual fee, you can use it for rebuilding your credit. However, be careful about the high APRs and always pay off your balance in full on time.

express credit card

 

Express Credit Card Login Information

You can sign in into your credit card account by visiting the Express credit card login page. Enter your username and password to login into your account. From your account, you can check your statements, pay bills, make payments and more.

 

Is the Express Card Right for You?

The Express Credit Card can certainly save you some bucks when you’re shopping at Express stores. This credit card does offer good rewards and discounts allowing you to save money on your purchases. But, are the rewards and discounts worth it?

 

The 20 percent off on your first purchase will save you money, but it’s only for one time. You’ll collect 20 points per every $1 spent and once you have collected enough points, you’ll be given a gift card. As an Express Next cardholder, you’ll also receive a birthday gift. Express Next Credit Card is very limited and Express doesn’t have a MasterCard version of its credit card like other stores. So, you can only use the card and its associated rewards at Express stores.

 

It also comes with a very high 28.49 percent variable APR. That means if you can’t pay your balance in full every month, you’ll be paying high interest rates.

 

If you frequently shop at Express and shop big, then the Express Next Credit Card could be right for you. You’ll surely save a few bucks from the rewards programs and exclusive discounts on the card when shopping at Express. However, if you usually struggle to pay off your balance in full on credit cards, it would be best to steer clear of this card. It’s also not the right card for you if you don’t frequently shop at Express stores as you won’t be able to accumulate enough points to be eligible for in-store credit.

 

Alternative Cards for You

If you don’t usually shop at Express stores, then Express Next Credit Card might not be right for you. Instead, you should consider other credit cards like the Chase Freedom Unlimited card that offers the best introductory zero-percent APR. Once you’re approved for this card, you’ll be given a limited time zero-percent introductory APR that applies to both balance transfers and purchases. There are also other perks associated with this credit card like the signup bonus points and No annual fee.

 

Our Last Thoughts on the Express Credit Card

In a nutshell, Express Next Credit Card is a good option for those who frequently shop at Express stores or shop big when they do shop at the store. Once you’ve earned enough points, you’ll be awarded in-store credit which can save you a few bucks. Not only that, but you also get access to exclusive offers and discounts as a cardholder which may allow you to save more money. However, if you aren’t an avid Express shopper, then you won’t get much value from the Express Next Credit Card. Instead, you should consider other credit cards that offer cash back and rewards that can be redeemed at different stores or the stores that you frequently shop from.

 

 

The 3 Best Alternative Credit Cards to Consider

Maybe you can do better than this credit card. If you have good credit, you should consider a few other options that will give you better benefits. The credit cards below are a few of our favorites, especially if you’re interested in traveling more. A few of these cards have signup bonuses that are big enough to redeem for multiple round trip flights. My wife and I used our Chase Sapphire Preferred signup bonus to book round trip flights for the both of us to Hawaii! It was well worth researching and getting the best credit card.

 

 Cash Back AlternativeCash Back AlternativeTravel Rewards Alternative
Chase Freedom
Chase Freedom Unlimited
Sapphire Preferred
Signup Bonus$150 (15,000 pts)$150 (15,000 pts)60,000
Bonus Spending Categories5X on select rotating quarterly categories1.5X on all purchases2X on travel and dining
Annual Fee$0$0$95
Extra PerksBaggage insurance, trip insurance, rental car insurance
Best for People Who...Want no annual fee

Also have a Sapphire card

Want to earn bonus points on spend
Want no annual fee

Also have a Sapphire card

Want simple 1.5 bonus
points on every purchase you make
Want a large introductory bonus

Like to Travel
Learn More >>Learn More >>Learn More >>

 

Decision Time: Which Credit Card is Really the Best for You?

Here at Travel Freedom, we like to travel, which is why we always prefer travel credit cards for ourselves. You might be the same as us or maybe you’d rather use your points as cashback. Either way, all of these cards earn Ultimate Rewards that can be used for either travel or as cash back.

 

We think that any four of these cards are a better option than the above-reviewed credit card. They earn points that are both valuable and very versatile. You can redeem them for an assortment of things including our favorite, TRAVEL!

wells fargo cash wise review
Travel Freedom Card Art Size

Wells Fargo Cash Wise

$150 cash back rewards after spending $500 in 3 months

No Annual Fee

LEARN HOW TO APPLY >>

Finding a good rewards credit card that will work for you is a good idea. There are a plethora of different options at this point, but some credit cards stand out as being particularly useful. One credit card that many people are turning to is the Wells Fargo Cash Wise Visa credit card. This is a good standard rewards card that offers you some good features and benefits.

 

If you want to sign up for a rewards credit card that is going to be useful in multiple ways, then this one is likely to appeal to you. It is one of the premier cash back credit card options on the market. With such stiff competition out there in the cash back credit card market, can this card truly stand out on its own? Take a look as we examine everything about this card in detail.

 

It is always smart to dig into the details of any credit card before you decide to apply. Look at all of the features that the Wells Fargo Cash Wise card has to offer. It just might be a card that will be a useful addition to your wallet. Either way, you will be able to make an informed decision after seeing what it brings to the table.

 

Wells Fargo Cash Wise

INTRODUCTORY OFFER
$150 cash rewards after spending $500 in the first 3 months.
REWARDS
You'll earn 1.5% cash rewards on purchases.
Earn 1.8% with mobile wallet purchases in the first 12 months (ie: Apple Pay, Google Pay)
BENEFITS
Cell phone protection. ($25 deductible)
FEES
No annual fee.
TRAVEL FREEDOM THOUGHTS
This is a great cash back card. It has no annual fee and also offers great cell phone protection.
LEARN HOW TO APPLY NOW >>

 

Wells Fargo Cash Wise Credit Card Fees

One of the first beneficial things that you will notice is that the Wells Fargo Cash Wise credit card does not come with any type of annual fee attached. This makes it a lot easier for anyone who is on the fence to consider signing up. It is always nice to be able to make use of a credit card that avoids annual fees. You won’t feel like you are wasting money if you don’t use the card often enough, so it should work out fine for most people.

 

Aside from this, the credit card also offers a good introductory APR. The introductory APR will last for 12 months, and you will not have to worry about interest so much for a little while. This is good for both new purchases and balance transfers, too. This means that this card does have some uses as a pure balance transfer card, so some people might be able to save some money through transferring the balance of other cards to this one.

 

Once the introductory APR period of over, you will be dealing with a fairly standard APR. The rate that this card offers falls within a very reasonable range, and it is not really good or bad. It is just an average rate that likely will not pull your opinion of the credit card one way or the other. Being able to enjoy a standard APR on a fairly lucrative cash rewards credit card is a good thing, though.

 

There are a few fees that you will need to look out for when using this credit card. For instance, there is a balance transfer fee of 3% for the first 120 days. After this initial 120 days, the balance transfer fee is set at 5%. You will be better off doing any balance transfers early to avoid the higher fee.

 

Another fee to be aware of is the foreign transaction fee. If you make any purchases outside of the country using this credit card, then you will be charged a 3% fee. A 3% fee on each transaction is pretty standard as far as foreign transaction fees go. Regardless, this is something to be aware of, and you will want to keep it in mind if you travel outside of the country regularly.

 

Features of the Wells Fargo Cash Wise

One of the most notable things about the Wells Fargo Cash Wise credit card is that it offers a pretty big and obtainable sign-up bonus. For spending a certain amount of money within the first three months, you will be able to get a nice cash bonus. This is a pretty simple bonus to qualify for, so most people are going to get it so long as they use the credit card somewhat regularly. It may not be a good enough reason to sign up for the card when taken by itself, but it is a good feature that helps to make being a cardholder seem worthwhile.

 

An interesting feature of this credit card that may appeal to you is being able to choose your own due date. Sometimes people struggle with certain due dates because of when they get paid. You will be able to set up a due date that is agreeable to you when using this card. This should make it simpler to make your payments on time every month and is a very customer-friendly option. It helps many people to avoid overdrafts and other negative consequences, so it is certainly a welcome feature.

 

It also gives you the convenience of being able to redeem rewards that you have earned at an ATM. This is not something that most cash back credit cards are capable of doing. It is one unique feature that helps this card to stand out and have its own identity. If this appeals to you, then it may be worth considering whether or not this card deserves a spot in your wallet.

 

Benefits of the Wells Fargo Cash Wise

The Cash Wise credit card has a few interesting benefits that make it worthwhile to be a cardholder, too. One of the most interesting benefits is the quality cell phone insurance that this card offers. You will be able to make use of up to $600 in cell phone insurance. This insurance can protect you when your phone is damaged or stolen.

 

In order to make use of this convenient cell phone insurance option, you will need to pay for your monthly phone bill with your credit card. This will allow the insurance to kick in, and you will feel a lot safer about your expensive cell phone. With the price of cell phones being very high these days, having this protection is going to prove to be useful. You can use the insurance when necessary, and the deductible is only $25.00, which makes it easy to take advantage of this when you are in need.

 

The other benefits of this card are fairly standard and may not impress you as much. This card does not offer quite as many perks as other credit cards with similar cash back rewards rates. If this matters to you, then you may be disappointed by the lack of certain benefits. The cell phone insurance option is honestly more useful than many other benefits that you get with other cards, so it is a bit of give and take here.

wells fargo cash wise cell phone protection

 

Rewards Program Info

As the card name says, the Wells Fargo Cash Wise is a cash back rewards credit card that is going to appeal to many people. You will be able to earn 1.5% cash back on every single purchase that you make. There is a beneficial exception to this rule that you can take advantage of for a little while. If you are willing to make purchases using the mobile wallet, then you can enjoy a slightly increased cash back rate for the first 12 months.

 

During the first 12 months of being a cardholder, you will be able to enjoy 1.8% cash back rewards when purchasing items using the mobile wallet. This means that purchases made through Apple Pay and Google Pay will wind up giving you increased rewards during this period of time. Being that most people use these mobile wallets for various things, it could become quite lucrative for you. It may not be a gigantic increase in cash back rewards, but it can still add up over time.

 

Luckily, you do not have to worry about bonus categories or anything of that sort when using this credit card. All of your purchases are going to get you at least the 1.5% cash back rewards that you are desiring. This means that you can get cash back by purchasing groceries for your home, and you can also use it to pay for car repairs. Using the card as you see fit will provide you with the same rewards potential.

 

When it comes to redeeming the rewards that you have earned, there are some convenient features and one thing that may be a hindrance to some. The hindrance is that you will need to meet a minimum redemption amount in order to redeem your rewards. This is pretty normal, but you will have to redeem the rewards in set currency amounts. The fact that you can redeem the rewards at an ATM makes things a bit more convenient for you, though.

 

When you visit the ATM, you will be able to redeem your cash rewards in increments of $20.00. The minimum redemption amount is thus set at $20.00 for the ATM. The minimum redemption amount is higher when you use other methods. If you redeem your rewards online or over the phone, then the amount is set at $25.00. This money can be deposited into your account, or it can be sent in the mail via a paper check.

 

The Pros

  • Good cash back redemption rate
  • Introductory APR is good
  • No annual fee
  • Can redeem rewards at the ATM
  • No bonus categories to worry about
  • Cellphone insurance

 

There are many good things about this card that make signing up worthwhile. It has a good cash back redemption rate of 1.5%. This may seem like a fairly standard rate, but you will be earning it on all of your purchases. It will be up to you to decide how to use your credit card. Not having to concern yourself with any cumbersome bonus categories is going to feel very nice.

 

The introductory APR of this credit card is really appealing, too. You can avoid interest and use this card as a balance transfer card if you wish to. It can be an effective tool for you and will prove to be especially helpful during this 12-month period of time. After this, the APR will be fairly standard and unoffensive.

 

You will not need to worry about any type of annual fee when you apply for this card. Not having to pay out any of your hard-earned money to the credit card company annually is a good thing. This makes it easier to justify signing up, as you won’t have to earn enough rewards to justify any type of high fee. There are other fees to consider, but these can be avoided, depending on how you decide to use the credit card.

 

Being able to redeem your cash back rewards at the ATM is a really nice touch, too. You can simply walk up to the ATM and withdraw rewards in increments of $20.00. This makes getting your rewards easy and fast. It is a lot better than having to wait for a check in the mail, so you may wind up using this feature pretty often.

 

Lastly, the cell phone insurance that is offered is very nice. Being able to have your cell phone covered for up to $600.00 will come in handy. You can use this money to replace an expensive phone when it is stolen or damaged. All you have to do is pay for your monthly cellphone bill with your credit card, and this protection will be yours.  

 

The Cons

  • Balance transfer fees
  • Foreign transaction fees
  • Minimum reward redemption amounts
  • Lack of certain benefits

 

Some of the fees that are associated with this credit card will be a bit of a nuisance for some people. The balance transfer fees are set at 3% for the first 120 days, and then they move up to 5%. This makes balance transfers less practical for many people. You will have to keep the fees in mind when you are considering transferring a balance.

 

Foreign transaction fees will also be a negative aspect of this card to keep in mind. If you travel outside of the country regularly, then you may want to avoid using your credit card. The 3% foreign transaction fee on each purchase will add up quickly. Be careful when traveling outside of the country so that you can avoid wasting money.

 

Minimum rewards redemption amounts may wind up frustrating some people, too. You need to redeem your rewards in increments of $20.00 or $25.00, depending on how you are redeeming things. There are going to be people who do not find this to be convenient. It is not too unusual, though, so understand that many cards have minimum rewards redemption amounts.

 

The lack of certain benefits may throw people off, too. The only big perk for signing up for this card is going to be the cell phone insurance. If this does not appeal to you, then the benefits of other cards may be more worthwhile. This really comes down to personal preference and what you think will be useful to you.

wells fargo cash wise

 

Credit Score Needed for Approval

Getting approved for this card is going to require a very good credit score. You will need a score that falls in the good to excellent range. 690 or higher is the recommended number. You will benefit from ensuring that your credit score is at least this high before applying.

 

Who Does The Wells Fargo Cash Wise Credit Card Appeal To Most?

A credit card like this appeals to many different people. It is a great everyday type of credit card, as it will allow you to earn cash rewards on all of the purchases that you make. People who are just looking for a credit card to use for gas and groceries will really like this card. It can work nicely as a card that is reserved for bigger purchases, too.

 

People who dislike having to use cumbersome bonus rewards categories will like this credit card. There are no bonus categories to worry about, and you can simply use your card. Not having to use the card in specific ways to maximize your rewards takes the stress out of the experience. If you want a simple credit card that offers you good rewards earning potential, then this card should appeal to you.

 

An Alternative Card to Consider

An alternative that you may wish to consider is the Chase Freedom Unlimited Credit Card. This is a credit card that also offers you a convenient cash back rewards experience. It will give you 1.5% cash back on all of your purchases and also has no annual fee. It may be preferable in several other areas, too.

chase freedom unlimited card art new

Chase Freedom Unlimited

$150 (15k Ultimate Rewards) after spending $500 in 3 mo.

No Annual Fee

LEARN HOW TO APPLY >>

See our full review of the Chase Freedom Unlimited.

 

For example, this Chase card offers a different set of benefits that are a bit more standard. If you find the Wells Fargo Cash Wise to be lacking in this way, then the Chase Freedom Unlimited card may be a better bet. It comes down to what you want out of your credit card. The Chase card has higher rewards potential due to being able to be paired with the Chase Ultimate Rewards program, so keep that in mind before proceeding.

 

Decision Time: Is the Cash Wise the Card for You?

Overall, the Wells Fargo Cash Wise card is a good option to consider. It seems like a pretty typical cash back credit card at first glance, but it does stand out in several ways. Being able to redeem rewards at the ATM is a nice feature, and you will also enjoy the cell phone insurance that it offers. If you need a reliable credit card to use for everyday purchases, then this one will not disappoint.

Travel Freedom Card Art Size

Wells Fargo Cash Wise

$150 cash back rewards after spending $500 in 3 months

No Annual Fee

LEARN HOW TO APPLY >>
southwest premier business review

southwest rapid rewards premier business card art

Southwest Rapid Rewards Premier Business

60,000 points after spending $3,000 in 3 months

$99 Annual Fee

LEARN HOW TO APPLY >>

Those who have to travel on business regularly need to be able to have the best possible travel experience. For this reason, many people seek out travel rewards credit cards and airline miles credit cards. These cards can offer convenient perks while also allowing travelers to earn rewards for spending money on travel. If your business spends a significant amount of money on travel each year, then it just makes sense to have access to an airline credit card that will reward you.

 

Businesses that fly through Southwest Airlines will really like the Southwest Airlines Rapid Rewards Premier Business Credit Card. This card can offer you significant rewards and several interesting perks. If you want to be able to earn miles to use at Southwest Airlines, then this may be the best possible option for your business. Even so, there are many travel rewards credit cards out there that can be quite lucrative so you will want to take your time to consider your options.

 

Join us as we take a look at this credit card from every angle. We are going to examine the features, benefits, rewards program, and much more. This will give you a good idea of whether or not this credit card will be the right fit for your business. Read on and look into all of the important details with us.

 

Southwest Rapid Rewards Business Premier

INTRODUCTORY OFFER
You'll earn 60,000 points after spending $3000 in the first 3 months.
REWARDS
You'll earn 2X points on Southwest purchases and Rapid Rewards hotel and car rentals.
BENEFITS
Earn 6000 points on your cardmember anniversary.
All points from credit card count toward Companion Pass.
FEES
$99 annual fee.
No foreign transaction fees.
Employee cards at no additional cost.
TRAVEL FREEDOM THOUGHTS
Southwest points are great because when they have a sale, their award chart goes on sale as well. By getting a personal and business Southwest card you can be well on your way to Companion Pass status.
LEARN HOW TO APPLY NOW >>

 

Southwest Rapid Rewards Premier Business Credit Card Fees

Knowing how much a credit card is going to cost you is an important part of determining if it will be compatible with your business. This card is going to have an annual fee of $99 that you will have to contend with. It is not quite as high as the luxury travel credit card options for businesses so it should not bother most people. This fee falls in a reasonable range for businesses that want to have access to a reliable airline credit card that can earn rewards at a decent rate.

 

Another positive aspect that you should take note of is that this credit card does not have any foreign transaction fees. This is perfect for businesses that have to travel abroad regularly. If your business trips see you traveling outside of the country sometimes, then you will never have to worry about paying any special fees due to foreign transactions. It makes it more practical to use your credit card when it is needed.

 

The APR of this card is generally okay. This is not going to be an overly high APR card but it is not exceptionally low either. Your business will likely be comfortable with the APR on this card and it should not cause any issues. If you need to carry a balance on this credit card, then it will not be a terrible burden or anything.

 

Businesses will also not have to worry about change fees when they use this credit card. Sometimes changes need to be made to a flight due to business problems or meetings getting switched around. It is good to be able to avoid change fees entirely. It can wind up saving you money in the long run and it should prove to be a handy feature for your business.

 

Features of the Southwest RR Premier Business Card

One good feature that will help to make this card more tantalizing for potential cardholders is the sign-up bonus. Many credit cards offer sign-up bonuses so this is not too unusual. What makes this offer worth noting is that it is actually pretty easy to get. For spending a fair bit of money within the first three months of being a cardholder, you will earn a large chunk of reward points. Points can be used to book flights and will immediately help you to offset that annual fee.

 

To add to this, Southwest is also going to give you a little annual bonus every time your card anniversary comes around. Cardholders are given 6000 bonus points every anniversary and the total value of these points will come close to paying for that annual fee. It makes it worthwhile to be a cardholder and will be a very practical feature that you enjoy throughout the years. This is a pretty interesting perk that Southwest does with their major travel credit cards and it should be great for your business.

 

Another great feature is that you can get employee cards without having to pay an extra fee. If you need to give credit cards to trusted employees who you are sending out on business, then it will be easier than ever with this card. Southwest will send out cards and attach them to the business account without charging you any money. Many other business credit cards will have a hefty fee attached to employee cards so this is a big benefit.

southwest rapid rewards premier business card

 

Benefits of the Southwest RR Premier Business Card

There are some pretty big benefits to this credit card that will appeal to your business. The most sought-after benefit is definitely the companion pass. In case you haven’t heard, Southwest Airlines has a companion pass program that allows one person to fly for free every time that you redeem your points for a flight or purchase one. This is not an automatic benefit that you will have access to, though.

 

In order to earn the privilege of this amazing perk, you need to earn 110,000 points in a calendar year. Once you meet the qualifications, you will be able to take advantage of the companion pass during the next year. Most businesses will very easily reach 110,000 points per year so long as they travel frequently. This means that you can fly two employees out on business for the price of one when you’re redeeming your points.

 

You also will not have to put up with any blackout dates. Being able to redeem your points for flights on any day is going to be handy for your business. You will be able to fly even when it is a very busy time of the year for travel. It keeps you in control of how and when you want to use your rewards points.

 

There is also the great benefit of having no seat restrictions. Some rewards flights will keep you from getting the seats that you truly want but that will not be the case here. You will also be able to enjoy the Southwest perk of having your “bags fly free”. This keeps your business costs even lower by allowing you to avoid costly baggage fees.

 

Rewards Program Info

The rewards program for this credit card is pretty good overall. You will be able to earn 2X points on every $1 spent on Southwest Airlines purchases. All other purchases will allow you to earn 1X points for every $1 spent. Businesses that travel regularly through Southwest Airlines can certainly rack up the rewards points.

 

One unique feature of this rewards program is that points can be awarded on balance transfers. This is not normally the case for credit cards so you can potentially take advantage of this to increase your rewards potential. You can earn one point for each $1 of your balance transfers for the first $15,000 made in the first 90 days after opening an account. If you need to transfer a balance to this credit card, at least you will be able to earn some rewards from it.

 

Being able to redeem your points should always be simple with this card too. You will be able to redeem your points for flights and you will also have some other options available to you. Truthfully, the best way to redeem your points with this credit card is to use it for travel expenses. You can book flights with your rewards points in order to offset travel costs for your business and maximize the value of your points that way.

 

The Pros

  • Companion pass
  • Good reward points values
  • Great annual bonus
  • Good sign-up bonus

 

The companion pass is definitely one of the premier reasons to consider signing up for this credit card. This is going to help you to keep your travel costs very low. Earning the companion pass privileges will not be too tough if your business travels often enough. You should be able to get access to the pass for your second year as a cardholder without too much trouble.

 

This credit card has good overall reward points values as well. Being able to earn 2X rewards points on Southwest purchases will definitely be good. When you go to redeem the rewards, you will be able to book flights to maximize your reward points potential. The exact value of one reward point will differ depending on the type of flight that you have booked but it will certainly be a great value overall.

 

The annual bonus that you will receive for every credit card anniversary is so helpful. Being able to earn 6000 bonus points to use on anything that you desire is a nice touch. It helps to offset that annual fee of $99 and it makes it easier for you to keep your costs low. You will always be able to count on this annual bonus no matter what and you do not need to do anything special to earn it.

 

Sign-up bonuses can be hit or miss with travel credit cards for businesses. This one is most certainly a hit. You will very easily be able to earn a hefty chunk of points for spending a certain amount in the first three months as a cardholder. This helps you to earn that companion pass status more easily too so the sign-up bonus is definitely something that makes being a cardholder worthwhile.

southwest premier business credit card

 

The Cons

  • Annual fee
  • Rewards limited to Southwest Airlines
  • Mediocre cash-back options
  • So-so rewards redemption options

 

All credit cards are going to have certain aspects that make them less appealing. This one has an annual fee of $99. This is not overly high but it is still something that you need to consider. If you are not comfortable with fees such as this, then it may harm the appeal of this credit card for you somewhat.

 

Using this credit card is going to limit you to flying with Southwest Airlines too. If you like having more choice for which airlines you are going to fly with, then this is not going to be your type of credit card. This card is really for those who are committed to being Southwest Airlines customers. Keep this in mind before proceeding.

 

It should also be said that the cash-back options are not good for this credit card. If you are interested in earning cash back for your business, then you should really look elsewhere. This is a fairly pure travel credit card that is going to lean heavily on travel rewards redemptions. If you want to have more options, then you should look into different cards on the market.

 

You will be able to redeem rewards for flights, rental cars, hotels, and other things. The redemption options are really so-so and you will mostly want to redeem rewards for flights. If you like more redemption options for your reward points, then you may be a bit disappointed here. Redeeming for flights is really good overall but the other options may not give you quite as much value.

 

Credit Score Needed for Approval

Getting approved for this credit card is not going to be easy for all businesses. You will need to have excellent credit in order to qualify for this credit card. Credit scores in the very high 600s and above are highly recommended for those who want to have the best chances of approval. Do your best to check your credit score ahead of time so that you will know what to expect.

 

Who Does The Premier Business Card Appeal to Most?

This credit card is going to appeal to a couple of different types of businesses. Firstly, it is going to appeal to businesses that travel very regularly. If you have to fly yourself or your employees around the world regularly, then this might work out great for you. It will give you a chance to earn an ample amount of rewards and you will have a better travel experience.

 

You will also find that this card appeals to people who are already loyal to Southwest Airlines. If your business has been booking through Southwest Airlines already, then the credit card is going to make more sense for you. You need to fly through this airline exclusively to get the most out of the credit card. If you are not ready to commit to one airline, then you will not have the best experience with this particular card.

southwest premier business card

 

Some Alternative Cards to Consider

Businesses that need a practical alternative to this credit card may wish to consider two different credit cards. The first is the Capital One Spark Cash for Business credit card. This is a very practical credit card to use for just about any business. You will be able to enjoy getting 2% cash back on all of your purchases with this card and you will not have to deal with any categories.

capital one spark cash for business card art

Capital One Spark Cash

Earn $500 cash rewards after you spend $4,500 in the first 3 months.

$95 Annual Fee (waived year 1)

LEARN HOW TO APPLY >>

See our full review of the Spark Cash.

 

Another good credit card to consider is the Ink Business Preferred Card from Chase. This is going to allow you to earn 3X rewards on your first $150,000 spent on travel purchases. That is a high figure and is going to work out very well for most businesses. You earn 1X points on all other purchases too so it can work out well if you want a business card to use for travel that is not tied to a specific airline. The Chase Ink Preferred also comes with the best signup bonus of all cards, and the points are transferrable to Southwest.

Chase Ink Business Preferred Credit Card

Chase Ink Business Preferred

80,000 points after spending $5,000 in 3 months

$95 Annual Fee

LEARN HOW TO APPLY >>

See our full review of the Ink Business Preferred.

 

The Southwest Business credit card is a good option for you, but these other cards are better for certain types of businesses. You have to think about your needs in order to make the best decision. If you want to redeem your rewards for flights, then the Southwest card is a great deal. Businesses that want other options should look into the cards above.

 

Decision Time: Is the Southwest Premier Business Card Right for You?

The Southwest Airlines Rapid Rewards Premier Business credit card is a very good option for certain businesses. You just need to keep in mind that you will get the most out of this card if you fly through Southwest Airlines. This is a type of loyalty airline credit card that will show its true potential to those who fly often. If you use this credit card in the correct fashion, then it can certainly help you to earn rewards at a good rate.

 

It is simply important to know that your business can take advantage of this credit card properly before you decide to sign up. Some businesses may not travel quite often enough to make this the best credit card to use. Others will want to have more flexibility with how they redeem rewards. This is a very good credit card but it has its flaws just as does any other card.

 

As long as you read through all of the above information and take everything into account, you will be able to make a good decision. This card may work out fantastically for you or it might be not quite what you were hoping for. Either way, there are great credit cards out there that will work for your business. Taking the time to get the right one will pay off by helping you to mitigate those travel expenses.

southwest rapid rewards premier business card art

Southwest Rapid Rewards Premier Business

60,000 points after spending $3,000 in 3 months

$99 Annual Fee

LEARN HOW TO APPLY >>

hilton honors american express card review

People who travel a lot can really benefit from having a good travel rewards credit card. If your travel expenses are heavily skewed toward money being spent on hotels, then it makes sense to get a hotels-based credit card. This can potentially reward you for money spent on booking hotels, and it can help to mitigate some of the costs. There are actually many options out there for cards that do this, and some of them are associated with a specific brand of hotels.

 

That is the case for the hotel rewards credit card that we will be discussing today. The Hilton Honors American Express card is going to be a very useful card to have when you stay at Hilton Hotels regularly. Being that Hilton is such a prevalent brand, this is likely going to be among the most convenient hotel rewards credit cards that you can use. It will allow you to earn rewards for staying at any of the thousands of Hilton locations around the world.

 

That being said, you still want to be able to take the time to make a good decision. If you want to get the very best credit card that is possible, then you need to examine the particulars of this card to see if it lines up with your needs. The Hilton Honors American Express card is certainly a popular credit card option with many features, but it will be good to be able to make an informed decision of your own. Read on to learn all about this credit card and what it brings to the table.

 

Hilton Honors American Express

Introductory Offer:

You’ll earn 90,000 Hilton Honors points after you spend $2,000 in the first 3 months.

Rewards:

You’ll earn 7X points Hilton properties.

You'll also earn 5X at US supermarkets, restaurants, and gas stations.

3X on all other purchases.

Benefits:

Automatic Hilton Honors silver elite status.

Spend $20,000 in a calendar year to earn gold elite status through the end of the next year.

Annual Fee:

No annual fee.

Terms Apply

Our Thoughts:

With no annual fee, this card is great for getting an introductory offer and automatic elite status (which offers 5th reward night free).
LEARN MORE >>

 

Hilton Honors American Express Card Fees

You will be happy to hear that this credit card does not have any type of an annual fee. Not having to pay money just to have access to a credit card is always going to be a good thing. It makes it easy for just about anyone to justify signing up for this credit card. If you feel like you will be able to use this card to its full potential, then you will not have a pesky annual fee holding you back.

 

This card always never has any foreign transaction fees. This is going to be an especially important factor for many people. If you regularly travel outside of the country and want to be able to stay at Hilton Hotels to earn rewards, then you will be able to do so without worrying about fees. It makes things as convenient as possible for those who have friends or family outside of the country. Fewer fees will always be a good thing, so you can put this as a check mark in the positive column.

 

All of the other associated fees are fairly normal with this credit card. The balance transfer fee of this credit card is set at 3% or $5.00. You will be charged whichever amount winds up being higher. This is a pretty normal balance transfer fee, so it should not really sour your experience in any way.

 

There is also no special introductory APR offer or anything of that nature. Without an introductory APR offer, this card will likely not appeal to anyone who wishes to do a balance transfer. The APR of the card simply falls within average ranges and is nothing that is worth putting much thought into. Combine this with the associated fee, and it makes it unattractive as a balance transfer card.

 

Anyone who travels somewhat often and wants to be able to avoid fees will like this credit card. There are very few fees that will get in your way while using the card. It provides you with a user-friendly experience that will make sure that you earn rewards at a good rate. There may be other cards that offer greater potential for rewards, but being able to avoid many fees by using this specific card will be enough to give it the edge for some people.

 

Features of the Hilton Honors American Express Card

For the most part, the features of this credit card that will matter to you are going to be related to the rewards program. We will be going into the rewards potential of this credit card later on. There are some other beneficial features and benefits of this card that will help to sway your opinion. For instance, this card comes with a pretty decent welcome bonus.

 

In order to earn the welcome bonus, you will need to make sure that you spend a certain amount of money on this credit card within the first three months of being a cardholder. The purchases must be made on eligible categories in order for you to be able to claim your welcome bonus. This welcome bonus winds up giving you many rewards points that you will be able to work with. It makes it simple to start saving money on your hotel purchases right away, and being able to get a bonus from a card with no annual fee is nice.

 

You can also expect to be able to take advantage of all of the standard features that you would get from most cards. This credit card will give you access to a robust customer service department whenever you need help with something. It has an online chat option, and you can also choose to call customer service agents on the phone. This is a 24/7 customer service experience and should be convenient for all cardholders.  

hilton honors amex

 

Benefits of the Hilton Honors American Express Card

You should also expect to be able to take advantage of various benefits as a cardholder. Some of the standard perks include useful things such as car rental insurance and free roadside assistance. Being able to have secondary insurance coverage on a rental vehicle can come in handy while you are on the road. The roadside assistance availability may be a standard benefit, but it is invaluable when you encounter issues while on the road.

 

Cardholders will also have access to baggage insurance and purchase protection. Baggage insurance works excellently to keep your belongings safe on a flight. If your bags are misplaced or stolen while on your trip, then you will be able to be reimbursed. Purchase protection will protect you when items that you purchased are damaged or stolen.

 

The biggest benefit that you will be taking advantage of is the automatic silver status that is offered by this card. Being able to have access to silver status will give you a 20% bonus to your Hilton Honors base points. It makes it easier to rack up rewards fast, and your 5th night is going to be free whenever you book five nights or more at a Hilton property. This can really help to save you some money while increasing your rewards potential.

 

The card also makes it much simpler to become a Gold status member of Hilton. If you manage to spend $20,000 or more on the card in a calendar year, you will be given this upgrade in status automatically. This gives you a fantastic points bonus of 80%, and it entitles you to some great freebies as well. You will be given a complimentary breakfast at all Hilton hotels and will receive room upgrades when they are available.

 

Cardholders will also have access to several conveniences that will make staying at the Hilton more enjoyable. Your second guest at the hotel will be able to stay for free. Guests will also enjoy express checkout, and late checkouts will also be available. It simply makes your time at the Hilton that much better, so it is worthwhile for anyone who stays at the Hilton often to sign up for a card like this.

 

Rewards Program Info

The rewards program for this credit card is going to prove to be especially beneficial for Hilton hotel regulars. You will be able to earn 7X Hilton Honors points on all of your eligible Hilton purchases. There are many eligible resorts and hotels in the Hilton portfolio, making it very easy to earn this high rewards point total. 7X points for every $1.00 spent on eligible Hilton purchases will add up very fast, allowing cardholders to truly make the most of the rewards system.

 

It is possible to earn increased rewards points in categories outside of hotels as well. You can expect to earn 5X points for every $1.00 spent on United States gas stations, restaurants, and supermarkets. Some may find it to be a bit of a shame that this rewards bonus is restricted to businesses in the United States, but it still is very helpful. It allows cardholders to keep earning rewards at an increased rate, even when they are not traveling.

 

All of the other eligible purchases that you make will give you a rewards rate of 3X per $1.00 spent. This is not too bad for a standard rewards rate. When you combine all of these points that you can earn together, it can really come in handy for paying for your hotel purchases. You will also be able to earn Hilton Honors base points on top of these normal rewards, so this is a truly handy card to have.

 

Redeeming points should always be a straightforward process, as well. Your points will never expire so long as you use the card once every 12 months. This card does not set any caps on the points that you can earn, either. You can redeem points for hotel stays, airfare, car rentals, dining, shopping, and cruises. These points are also capable of transferring to one of the 41 airline partners that work with this credit card program.

hilton honors american express card

 

The Pros

  • High rewards rate
  • Makes your experience at Hilton better
  • Easy to redeem rewards
  • No annual fee or foreign transaction fee

 

The high rewards rate of this credit card is hard to deny. You are going to be able to earn rewards very fast if you decide to use this card regularly. Those who take advantage of this card and its generous rewards rate will be able to save money on their yearly hotel expenses. It is simple to earn hundreds of dollars worth of rewards per year if you do your best to spend your money intelligently.

 

This credit card has very easy to redeem points, too. You will be able to redeem your earned rewards in a number of different ways. You can redeem the points for hotel stays, airline tickets, cruises, rental cars, and much more. It is even possible to redeem points to pay for a portion of the cost of a hotel room.

 

Anyone who is after a credit card that can make their hotel experience nicer is going to like this card, too. You will be upgraded to silver status automatically by being a cardholder. You will have access to many nice perks, and staying at the Hilton will be better than ever before. This also increases the base Hilton Honors points that you earn on top of your credit card rewards points.

 

Many people will sign up for this credit card just due to the fact that it is cost-effective. This card has no associated annual fee and this makes it easy to justify keeping it in your wallet. You will not need to worry about foreign transaction fees when you use this credit card, either. It is very good at helping you to keep fees to a minimum while enjoying your hotel experience.

 

The Cons

  • Value of rewards points are not as high as some other cards
  • Many cards offer better travel perks
  • Limits you to Hilton Hotels

 

It should be said that the value of the rewards points for this card is not as high as some other credit cards. You can earn a lot of points very fast with this card, but the value of the points may be lacking when compared to other options. Each point is estimated to be worth around 0.5 cents. This means that it may look like you’re earning more rewards than you really are when it comes time to redeem the points.

 

Also, many cards offer better travel perks. If you are interested in a good hotel rewards card due to wanting access to travel perks, then this card is just okay. It does not have the same perks that a luxury rewards credit card would give you access to. Granted, a luxury credit card would have a large annual fee. It just depends on what you expect out of your hotel experience.

 

Some people will not like being limited to Hilton Hotels either. If you are the type of person who would prefer to look for the best deal possible among many hotel brands, then this is going to make you feel boxed in. If you love staying at Hilton Hotels already, then you will be able to make good use of this card. It just comes down to how you feel about this specific brand and whether you want to be loyal to them or not.

 

Credit Score Needed for Approval

Those who are looking to sign up for this credit card will need to ensure that they have a very good credit score. If you have a credit score of 690 or higher, then you should have a good chance of being approved. This credit card requires very good credit, and it will be even easier to be approved if your credit is in the excellent range. Take the time out of your day to check your credit score before you move forward and apply for this card.

 

Who Does the Hilton Honors Amex Appeal to Most?

A credit card like this is mostly going to appeal to people who like staying at Hilton Hotels. If you travel somewhat frequently, then having a credit card that will help you to earn rewards is a good idea. You can earn points to help offset some of your hotel expenses. Those who only travel very infrequently may not find this card to be quite as useful.

 

The card can be used to earn points even when you are not staying at hotels, though. You can earn 5X points on United States supermarket, gas station, and restaurant purchases. These are very common purchases, and it should make it very easy to rack up points, even when you are just using the card near your home. It increases the overall practicality of this credit card for many people.

 

An Alternative Card to Consider

There are a number of different hotel loyalty rewards credit card options to consider. If you are looking for a good alternative to the Hilton Honors American Express card, then you may wish to consider the Capital One Venture card. (Learn more) Although this is not a hotel-based credit card, it does give you great rewards earning potential. You can earn 2 miles for every $1.00 spent using this card, and the miles are valued at 1 cent.

Capital One Venture Credit Card Review

Capital One Venture

50,000 points after spending $3,000 in 3 months

$95 Annual Fee (waived year 1)

LEARN HOW TO APPLY >>

See our full review of the Capital One Venture card.

 

 

Those who sign up for the Capital One Venture Rewards Credit Card can expect a very good traveling experience. It allows you to redeem points toward any travel purchase. It is among the most practical flat rate credit cards that you can get. If you don’t want to go with a hotel credit card, then this is a good option that can earn you rewards fast.

 

Decision Time: Is the Hilton Honors American Express Card Right for You?

The Hilton Honors American Express card will appeal to many people. If you travel somewhat often and need a good rewards card, then this is a great option. It allows you to have a better experience than ever at Hilton Hotels. Earning rewards will always be simple, and the rewards will come in very fast overall.

 

There are some other cards on the market that offer better perks or higher rewards potential. Even so, the fact that this credit card does not have an annual fee makes it very practical for most people. You can use this card as much or as little as you would like and will still be able to reap the rewards. This is a solid credit card that will help you to earn great rewards over time while also offering you a smoother traveling experience.

 

Hilton Honors American Express

Introductory Offer:

You’ll earn 90,000 Hilton Honors points after you spend $2,000 in the first 3 months.

Rewards:

You’ll earn 7X points Hilton properties.

You'll also earn 5X at US supermarkets, restaurants, and gas stations.

3X on all other purchases.

Benefits:

Automatic Hilton Honors silver elite status.

Spend $20,000 in a calendar year to earn gold elite status through the end of the next year.

Annual Fee:

No annual fee.

Terms Apply

Our Thoughts:

With no annual fee, this card is great for getting an introductory offer and automatic elite status (which offers 5th reward night free).
LEARN MORE >>
jcpenney credit card

The JCPenney credit card is issued by Synchrony Bank and provides significant rewards for in-store purchases.

 

If you’re not a regular JCPenney shopper, you may not enjoy the full advantages of this credit card. While you can use it anywhere that major credit cards are accepted, it’s mostly geared toward frequent shoppers.

 

Features of the JCPenney Credit Card

When thinking about applying for a credit card, I first check the features of the card. With the JCPenney credit card, you get the following features:

  • 27.99% APR
  • 0% interest for the first 12 to 60 months
  • Savings on JCPenney purchases
  • Rewards for purchases at other retailers
  • $38 late fees

 

JCPenney has offered a variety of options to help attract buyers, especially consumers searching for major appliances.

 

You may get to enjoy 0% interest for up to 60 months, depending on the type of purchase you make when you open the card. For example, for purchases on qualifying major appliances of at least $299, you can defer interest for 18 months.

 

When purchasing qualifying furniture or mattresses that exceed $1499 or $2499, you can get up to 48 or 60 months of no-interest financing.

 

The 27.99% APR is a little steep. However, we’ve noticed that it tends to change throughout the year. You may also get a lower interest rate if you have excellent credit.

 

JCP Credit Card Benefits

Besides no interest for a limited period, the JCPenney credit card offers a handful of benefits. These benefits apply to JCPenney purchases and purchases at other retailers.

 

First, we should look at the rewards for shopping at JCPenney. You get 15% off select items purchased at JCPenney stores or through their website. This discount applies to most clothing, shoes, hair products, furniture, and mattresses.

 

However, you only get 5% off on major appliances. Luckily, you can combine this discount with all other deals and coupons. You also earn reward points for these purchases.

 

Besides shopping at JCPenney, you earn rewards when you shop in most places. You get one point for every $1 spent on qualifying purchases, up to 2000 points during a single transaction.

 

When you reach 200 points, you get a $10 JCPenney gift certificate. Unfortunately, you’ll need to spend this at JCPenney.

jcpenney credit card review

 

Pros of the JCPenney Credit Card

There are several features of the JCPenney credit card that we found beneficial. The variety of benefits is one advantage.

 

The 15% and 5% off that you get on JCPenney purchases is a significant advantage if you like to shop at JCPenney. As the company has had to shut several stores in recent years, you may not have a JCPenney in your immediate area.

 

The rewards are on par with other rewards programs. You get quite a bit of money back toward JCPenney purchases, encouraging you to keep shopping at the store and their website.

 

The various 0% interest options are also great if you plan to purchase a major appliance when you open your card. In fact, we think that this is one of the best reasons to consider opening this card. You get 12 to 60 months to pay off your balance before you start paying interest.

 

Cons of the JCPenney Credit Card

All credit cards have their disadvantages and we found a couple of issues with this card. One issue is that the rewards are not very great if you don’t shop at JCPenney frequently.

 

If you don’t shop at JCPenney, you’re only benefitting from the one point that you earn for every $1 spent on qualifying purchases. The $10 JCPenney rewards that you get after redeeming 200 points can only be spent at JCPenney, negating any value for those who don’t shop there.

 

The second issue is the APR. While you can enjoy 0% interest for an introductory period, the regular APR is 27.99%. This APR is higher compared to most secured credit card offers, even for those with poor credit.

 

Your JCPenney Credit Card Login Info

Accessing your JCPenney card account info can be done in several ways. You can wait for your monthly statements, you can visit the store, or you can log in to your account online.

 

You can also use these same options to your pay your bills. However, the online portal provides the most convenient solution.

 

You can also set up automatic payments, which is something that we always recommend. Even if you arrange to pay the minimum payment each month, you’ll at least avoid late fees. You can also pay extra at any time.

 

Who Is the JCPenney Credit Card for?

The JCPenney credit card may help you save money on your purchases at JCPenney. The 15% and 5% discounts that you receive provide major savings. You can also enjoy these savings whether you shop online or in store.

 

This card is also a good choice for those who plan to make a major purchase when they open the card. You can enjoy a long 0% interest introductory period when you purchase a qualifying item. These items typically include major appliances, mattresses, and furniture that exceeds a specific value.

 

Who Is the JCPenney Credit Card Not for?

If you don’t shop at JCPenney, you may not be interested in getting this card and we don’t blame you. There are many other offers out there.

 

Due to the high APR and limited rewards for shopping at other retailers, you only benefit when you shop at JCPenney or their website.

 

Last Thoughts on the JCPenney Credit Card

The JCPenney credit card isn’t a store card. You can use it anywhere. It’s also got great rewards. However, unless you’re a regular JCPenney shopper, you may be better off with a regular secured credit card.

 

While it offers great rewards for JCPenney shoppers, it also carries a high APR. If you’ve got decent credit, you should get better offers elsewhere.

 

It’s still a great choice if you frequently shop at the department store or online store. You may save quite a bit with the JCPenney credit card.

 

The 3 Best Alternative Credit Cards to Consider

Maybe you can do better than this credit card. If you have good credit, you should consider a few other options that will give you better benefits. The credit cards below are a few of our favorites, especially if you’re interested in traveling more. A few of these cards have signup bonuses that are big enough to redeem for multiple round trip flights. My wife and I used our Chase Sapphire Preferred signup bonus to book round trip flights for the both of us to Hawaii! It was well worth researching and getting the best credit card.

 

 Cash Back AlternativeCash Back AlternativeTravel Rewards Alternative
Chase Freedom
Chase Freedom Unlimited
Sapphire Preferred
Signup Bonus$150 (15,000 pts)$150 (15,000 pts)60,000
Bonus Spending Categories5X on select rotating quarterly categories1.5X on all purchases2X on travel and dining
Annual Fee$0$0$95
Extra PerksBaggage insurance, trip insurance, rental car insurance
Best for People Who...Want no annual fee

Also have a Sapphire card

Want to earn bonus points on spend
Want no annual fee

Also have a Sapphire card

Want simple 1.5 bonus
points on every purchase you make
Want a large introductory bonus

Like to Travel
Learn More >>Learn More >>Learn More >>

 

Decision Time: Which Credit Card is Really the Best for You?

Here at Travel Freedom, we like to travel, which is why we always prefer travel credit cards for ourselves. You might be the same as us or maybe you’d rather use your points as cashback. Either way, all of these cards earn Ultimate Rewards that can be used for either travel or as cash back.

 

We think that any four of these cards are a better option than the above-reviewed credit card. They earn points that are both valuable and very versatile. You can redeem them for an assortment of things including our favorite, TRAVEL!