Coolest Credit Cards

NFL Extra Points Credit Card Review

Rating: 5 Stars

Bottom Line:
For NFL Fans Who Like NFL Gear And Balance Transfers

Card Details

Regular APR:	17.49%, 22.49% or 27.49%
Intro APR (Purchases):	0% Intro APR for 6 billing cycles from the transaction date on all Qualifying NFL Team Ticket Purchases
Intro APR (Balance transfers):	0% Intro APR for 15 billing cycles for transfers in first 45 days
Rewards Rate:	Earn 2 points per $1 on NFL and Team purchases like eligible NFL tickets, in stadium, NFLShop.com and at team pro shops Earn 2 points per $1 on NFL DirecTV purchases Earn 1 point per $1 on all other purchases
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None
Card Brand:	Visa?

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 10,000 bonus points after $500 in purchases in the first 90 days, enough to redeem for $100 cash back
Earn 2 points per $1 on NFL and Team purchases like eligible NFL tickets, in stadium, NFLShop.com and at team pro shops, and earn 1 point per $1 on all other purchases
Enjoy a 0% promotional APR for 6 months on NFL ticket purchases from any participating NFL team ticket office
20% off purchases at NFLShop.com that?s $20 off every $100 you spend
Exclusive NFL rewards and team experiences: redeem points for game tickets or once-in-a-lifetime experiences like pre-game sideline passes or tickets to the Super Bowl
Cash back or redeem points for 1% cash back, starting at 2,500 points for $25 cash back
Pick any team as your card art

Is NFL Extra Points Credit Card worth it?

NFL Extra Points Credit Card is a solid card for NFL fans. The sign up bonus of 10,000 bonus points after $500 in purchases in the first 90 days is worth $100 in statement credit. Cardholders earn 2 points per $1 on NFL and team purchases like eligible NFL tickets, in stadium, NFLShop.com, at team pro shops, and on NFL DirecTV purchases. 2 points per $1 is an average rewards rate, especially when you consider that for most people NFL purchases are not something you make everyday. However, the most valuable perk provided by NFL Extra Points Credit Card may be 20% off purchases at NFLShop.com. If you are an NFL fan or know one, this might be a great no-annual card to apply for simply for the NFL gear discount.

Pros

Earn 10,000 bonus points after $500 in purchases in the first 90 days, enough to redeem for $100 cash back
No annual fee
Pick any team as your card art
20% off purchases at NFLShop.com that?s $20 off every $100 you spend
0% Intro APR for 15 billing cycles for transfers in first 45 days

Cons

0% intro period on NFL ticket purchases from any participating NFL team ticket office is only 6 months
2 Points per $1, or 2%, rewards rate is average: other cards offer 1.5% or 2% cash back on all purchases

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Get Started with NFL Extra Points Credit Card

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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Credit One Bank NASCAR Visa Review

Rating: 4 Stars

Bottom Line:
Good Starter Card

Apply Now

Card Details

Regular APR:	17.99% – 23.99% Variable
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	1% Cash Back on Eligible Purchases and Double Cash Back at the NASCAR.com Superstore, terms apply
Credit Needed:	(300-669): Bad/Fair
Annual Fee:	$0 – $99
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply.
Get double cash back rewards at the NASCAR.com Superstore. Terms Apply.
Find out if you Pre-Qualify without harming your credit score. It?s fast, easy, and secure.
Zero Fraud Liability ensures that your account is protected against unauthorized charges.
Accounts are automatically reviewed for credit line increase opportunities.
Take advantage of free online access to your Experian credit score and credit report summary. Terms apply.
CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you’re at home or on-the-go.
Always know what’s happening with your account with custom email and text alerts to remind you about your payment due date, notify you when a payment posts, or warn you if your available credit runs low.

Is Credit One Bank NASCAR Visa worth it?

Credit One Bank NASCAR Visa is a solid card for NASCAR fans to build credit – it reports to the three major credit bureaus monthly, doesn’t require a deposit upfront, and offers 2% cash back at the NASCAR.com superstore. Cash back offers are on eligible purchases and vary, but applicants do receive cash back.

Pros

Free access to Experian credit score monthly online
Get cash back. Terms apply.

Cons

Higher than average APR
Up to $99 annual fee

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	3% or $1.00, whichever is greater
Balance Transfer Fee	N/A
Cash Advance Fee	$5.00/8% or $10.00/3%, whichever is greater (see terms)
Penalty APR	None

Benefits

Fraud Liability

Get Started with Credit One Bank NASCAR Visa

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World Wildlife Fund Credit Card Review

Rating: 5 Stars

Bottom Line:
Support World Wildlife Fund and Earn Cash Back

Apply Now

Card Details

Regular APR:	15.74 – 25.74% (Variable)
Intro APR (Purchases):	0% for 15 months
Intro APR (Balance transfers):	0% for 15 months
Rewards Rate:	3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings
2% cash back at grocery stores and wholesale clubs
1% cash back on all other purchases
You?ll earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%
For each new World Wildlife Fund credit card account that is opened and activated through this offer, World Wildlife Fund receives a minimum of $3. World Wildlife Fund also receives 0.08% of all net retail purchases made with this card and $3 for each annual renewal of the card
No annual fee
0% Intro APR for 15 billing cycles for purchases and transfers in first 60 days
Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
Preferred Rewards members earn 25%-75% more cash back on every purchase

Is World Wildlife Fund Credit Card worth it?

World Wildlife Fund Credit Card is a solid card for people who like supporting endangered species conservation and earning cash back. World Wildlife Fund receives a minimum of $3 every time someone activates this card, 0.08% of all net retail purchases made with this card, and another $3 for each annual renewal of the card.

This card is basically Bank of America? Cash Rewards, with the charitable benefits mentioned added. If you spent $10,000 on this card in one year, you would have contributed $8 to the World Wildlife Fund. With this in mind, there are other ways to make an impact, but if you are looking to make passive contributions to support endangered species and earn cash at the same time, World Wildlife Fund Credit Card is a solid card for you.

Pros

3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter
0% Intro APR for 15 billing cycles for purchases and transfers in first 60 days
No annual fee

Cons

3% rewards rate is capped at $2,500 per quarter
Cash back is not redeemable for deposit into bank accounts outside of Bank of America or Merrill Lynch. Cash back is also redeemable for statement credit
Automatic donations from credit card purchases are not tax deductible

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	Either $10 or 3% of the amount of each transaction, whichever is greater.
Cash Advance Fee	See Terms (has exception)
Penalty APR	Up to 29.99%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Get Started with World Wildlife Fund Credit Card

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Upromise Mastercard Review

Rating: 4 Stars

Bottom Line:
Cash Back and Round Up for College

Apply Now

Card Details

Regular APR:	16.49, 21.49 or 26.49% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	0% for first 15 billing cycles for transfers in first 45 days
Rewards Rate:	Earn 1.25% cash back on all purchases Receive a 15% cash back bonus when your Upromise Program account is directly linked to an eligible 529 College Savings Plan
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Use your Upromise Mastercard and earn 1.25% cash back on all purchases
Upromise Round Up lets you round up your purchases to the nearest dollar, based on the threshold you set (from $1 to $500). The total Round Up Amount is considered a purchase and also earns 1.25% cash back
Receive a 15% cash back bonus when your Upromise Program account is directly linked to an eligible 529 College Savings Plan. You?ll receive a 15% bonus on your total cash back, including Upromise Round Up Amounts
No foreign transaction fees on international purchases
0% Introductory APR for 15 months on balance transfers made in first 45 days

Is Upromise Mastercard worth it?

Upromise Mastercard is a solid card for saving money for college. The Round Up feature allows you to round up your purchases to the nearest dollar, the total Round Up Amount is considered a purchase.

Cardholders earn 1.25% cash back on all purchases, including Round Up Amounts, and you receive a 15% bonus on your total cash back when your Upromise Program account is directly linked to an eligible 529 College Savings Plan. Other cards, like Citi Double Cash, earn you unlimited 2% cash back on all purchases. That said, if you’re interested in being incentivized to save for college, this is a solid card for you.

Pros

0% for first 15 billing cycles for transfers in first 45 days
Earn 1.25% cash back on all purchases
No foreign transaction fee

Cons

Other cards have higher cash back rate

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Get Started with Upromise Mastercard

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Susan G. Komen Cash Rewards Visa Credit Card from Bank of America? Review

Rating: 5 Stars

Bottom Line:
Build Credit with Gas and Grocery Cash Back

Apply Now

Card Details

Regular APR:	15.74 – 25.74% (Variable)
Intro APR (Purchases):	0% for 15 months
Intro APR (Balance transfers):	0% for 15 months for transfers made in first 60 days
Rewards Rate:	3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings and 2% cash back at grocery stores and wholesale clubs up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then 1% 1% cash back on all other purchases
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings
2% cash back at grocery stores and wholesale clubs
1% cash back on all other purchases
You’ll earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%
Help fight breast cancer – Susan G. Komen has received more than $9.5 million from Bank of America from the program since 2009
Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
Preferred Rewards members earn 25%-75% more cash back on every purchase

Is Susan G. Komen Cash Rewards Visa Credit Card from Bank of America worth it?

Susan G. Komen Cash Rewards Visa Credit Card from Bank of America is a great card for people who want to support breast cancer research and get cash rewards. The Susan G. Komen Breast Cancer Foundation receives at least $3 and 0.08% of all purchases (less returns) made with the card. In addition, Komen receives $3 for each renewal of a card that is open with active charging privileges during the 12 month period and does not have a zero balance at the time of the renewal.

It?s excellent that $3 goes to the Komen Foundation per new cardholders, but the fact that the card donates $3 to Komen during a month in which you are carrying a balance is a little strange. Still, it?s a solid card with a lot of flexibility in your 3% rewards category. You can choose between gas, online shopping, dining, travel, drug stores, or home improvement/furnishings. If you don?t pick a category for this month, the card defaults to the previous category you had picked.

This card is basically the same as the Bank of America Cash Rewards, and like that card it is highly recommended.

Pros

Help fight breast cancer Susan G. Komen has received more than $9.5 million from Bank of America from the program since 2009
Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
Cash rewards do not expire
No annual fee
0% for 15 months on balance transfers made in first 60 days

Cons

3% rewards rate is capped at $2,500 per quarter
Cash back is not redeembable for deposit into bank accounts outside of Bank of America or Merrill Lynch. Cash back is also redeemable for statement credit
Automatic donations from credit card purchases are not tax deductible

Why 5 Stars?

Regular APR

5 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $10 or 3% of the amount of each transaction, whichever is greater
Cash Advance Fee	See Terms (has exception)
Penalty APR	Up to 29.99%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Get Started with Susan G. Komen Cash Rewards Visa Credit Card from Bank of America

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Stand Up To Cancer Credit Card Review

Rating: 4 Stars

Bottom Line:
Contribute to Cancer Research

Apply Now

Card Details

Regular APR:	14.99 – 25.99 (Variable)
Intro APR (Purchases):	0% for 12 billing cycles
Intro APR (Balance transfers):	0% for 12 billing cycles
Rewards Rate:	Earn 1 Real Life Rewards point for each $1 spent on purchases
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 1 Real Life Rewards point for each $1 spent on purchases
Redeem points for a charitable contribution to Stand Up To Cancer or redeem for gift cards, cash deposits to a Fifth Third Account or a credit card statement credit
Low 0% introductory APR for your first 12 billing cycles after the account is opened on purchases and balance transfers. After that, your variable APR will be 14.99% to 25.99%
Save time at checkout! Upload your card to any one of our five digital wallet solutions
$0 Annual Fee

Is Stand Up To Cancer Credit Card worth it?

Stand Up To Cancer Credit Card is a solid card for people who want to contribute to Stand Up To Cancer, a program by the Entertainment Industry Foundation designed to fund cancer research. The card is issued by Fifth Third Bank, with branches in Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, North Carolina, Ohio, Tennessee, and West Virginia and can be applied for in-branch.

Cardholders get 1 Real Life Rewards point for each $1 spent on purchases, which they can redeem as a donation to Stand Up To Cancer. Fifth Third will match each reward point redemption for donations to Stand Up To Cancer at the cash equivalent of 10% of the donation amount.

Stand Up To Cancer will also receive, from Fifth Third, $5 for every active Stand Up To Cancer Credit Card each year the card is active. Stand Up To Cancer will also receive, from Fifth Third, 0.2% per net retail purchase (less returns, excludes Balance Transfers, and Cash Advances) made with the Stand Up To Cancer Credit Card. T

here are other typical redemption options like cash back, statement credit, and a credit to Fifth Third products like a mortgage. However, the rewards rate is just 1X, so you would likely use this card for the charitable donation option. The card has no annual fee and Stand Up To Cancer was listed as a highly rated charity by the non-profit Consumer Reports.

Pros

No annual fee
Donate to Stand Up To Cancer

Cons

Foreign transaction fee

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	Either $5 or 4% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each Cash Advance, whichever is greater
Penalty APR	Not Stated

Benefits

$0 Fraud Liability

Cell Phone Protection

Extended Warranty Program

ID Theft Protection

Airport Concierge

Get Started with Stand Up To Cancer Credit Card

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REI Mastercard Review

Rating: 5 Stars

Bottom Line:
Donate To The National Forest Foundation And Get An Annual Dividend Bonus

Apply Now

Card Details

Regular APR:	12.74 – 24.74 (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	5% back on purchases at REI 2% back on mobile wallet purchases 1% back everywhere else
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Apply for the REI Co-op World Elite Mastercard, and if approved, make a purchase within 60 days and you?ll earn a $100 REI gift card
5% back on purchases at REI
2% back on mobile wallet purchases
1% back everywhere else
No annual fee
Grow your REI Annual Dividend: The 5%, 2% and 1% earned with your card is on top of your typical 10% member dividend
When you make a purchase with your REI Co-op World Elite Mastercard, we donate to projects that restore trails, habitat and more in the places we all love to explore
Use your Annual Dividend for REI adventure travel and we?ll reduce the trip cost by 50% of the dividend amount you use

Is REI Mastercard worth it?

REI Mastercard is a solid card for REI members. A lifetime membership costs $20 and entitles you to a share of REI’s annual profits, in the form of a member dividend that is sized according to your expenditure at REI that year.

You can earn a dividend on most full-price items and other eligible REI merchandise purchases posted from Jan. 1 through Dec. 31. Purchases made with gift cards, discounted purchases, REI Adventures trips and certain other REI purchases don’t qualify.

However, it you use your annual dividend for REI adventure travel, REI will reduce your trip cost by 50% of the dividend amount you redeem for the trip. In other words, if the trip is $500, and you redeem $100 from your dividend, the trip would be $450. To qualify for the benefit, the trip payment must be made by calling at 800-622-2236 using your REI Co-op World Elite Mastercard. The main reason REI members might want to get this card is unselfish, because REI donates $0.10 per REI Co-op World Elite Mastercard purchase transaction made to the National Forest Foundation, up to $1 million. Even if that benefit is not interesting to you though, 5% back on purchases at REI might be. It’s also great that you can use REI Mastercard anywhere and get 2% back on mobile wallet purchases. Unfortunately, the rewards are distributed with your member dividend annually, so you can’t use them part way through the year. REI Mastercard is a great card for REI members, and for people making purchases at REI who aren’t members it might make more financial sense to pay $20 to become a member so you can get the dividend and this card.

Pros

Cell Phone Coverage is for damage or theft up to $800, with a $50 deductible, up to $1,000 per 12-month period. Unfortunately, the policy provides secondary coverage only, but the protection applies to up to three cellphones, the primary line and up to the first two secondary lines on the covered phone bill
This year, REI will donate $0.10 per REI Co-op World Elite Mastercard purchase transaction made to the National Forest Foundation, up to $1 million
no foreign transaction fee
No annual fee5X Rewards for every $1 spent on all eligible RCI purchases
2X Rewards for every $1 spent on all eligible travel purchases
Travel purchases and redemptions are reasonably defined as Airlines, Hotels, Motels, Campgrounds, Car Rental Agencies, Cruise Lines, Travel Agencies, Discount Travel Sites, Trains, Buses, Taxis, Limousines, and Ferries
You get a $250 Vacation Credit towards one RCI vacation when you spend $10,000 in net purchases each calendar year. You cannot combine vacation credits, but cardholders have a full 13 months from the date they receive their $250 vacation credit to use it.
No foreign transaction fee
No annual fee

Cons

The rewards can’t be used part way through the year. The 5%, 2% and 1% rewards are distributed with your member dividend annually and can be used for REI purchases as soon as you receive it. Alternatively, from July 1 through Jan 3 of the following year you can ask in-store to get your dividend in cash, or you can request a check on REI’s website, by calling, or through the mail.

Why 5 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either 3% of the amount of each transfer or $5 minimum, whichever is greater
Cash Advance Fee	Either 4% of the amount of each advance or $5 minimum, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Concierge Service

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

World Luxury Hotels & Resorts

Get Started with REI Mastercard

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NASA Federal Platinum Advantage Rewards Review

Rating: 5 Stars

Bottom Line:
Starter NASA Card with No Balance Transfer Fee

Apply Now

Card Details

Regular APR:	12.4% – 17.99% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	6.9% – 17.99% for transfer in first 90 days
Rewards Rate:	None
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Fixed rate as low as 12.4% APR – and as low as 8.9% APR for the life of all balance transfers
No Extra Fees – No annual fee, no balance transfer fee, and no foreign transaction fee
Peace-of-Mind Protection – Lock/unlock capabilities, 24/7 emergency assistance, fraud protection and extended warranty coverage all included
Share Secured Visa Credit Card available – Apply today by calling 1-888-NASA-FCU (627-2328) – Establish a line of credit by using a cash collateral as your deposit (minimum $500; maximum $5,000)

Is NASA Federal Platinum Advantage Rewards worth it?

NASA Federal Platinum Advantage Rewards is a great card for people who are NASA fans. The card has a space graphic on the front and offers an unusual benefit: no balance transfer fee. There is no 0% Intro APR period but for small transfers no balance transfer fee makes transferring a balance an attractive option.

Pros

No balance transfer fee
No annual fee
No foreign transaction fee
Low APR

Cons

May require NASA Federal credit union membership: simple to join through becoming a member of The National Space Society, which has a complimentary membership for one year. This is the option recommended on the NASA Federal website.
Penalty APR
No rewards

Why 5 Stars?

Regular APR

5 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

4 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	None
Cash Advance Fee	3% of advance ($5 minimum)
Penalty APR	18.00%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Get Started with NASA Federal Platinum Advantage Rewards

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MLB Mastercard Review

Rating: 5 Stars

Bottom Line:
Build Credit and Increase your Credit Limit

Apply Now

Card Details

Regular APR:	15.74 – 25.74 (Variable)
Intro APR (Purchases):	0% for 15 biling cycles
Intro APR (Balance transfers):	0% for 15 biling cycles for transfers in first 60 days
Rewards Rate:	Earn 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement / furnishings and 2% cash back at grocery stores and wholesale clubs on the first $2,500 in combined choice category / grocery store / wholesale club purchases each quarter, then earn 1% Earn unlimited 1% cash back on all other purchases
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
$200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening – plus now choose how you earn rewards
Choose your favorite team from the list below when you apply – All 30 team card designs available
Earn 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement / furnishings and 2% cash back at grocery stores and wholesale clubs on the first $2,500 in combined choice category / grocery store / wholesale club purchases each quarter, then earn 1%
Earn unlimited 1% cash back on all other purchases
Go to the Mobile Banking app or to Online Banking to change your choice category for future purchases once each calendar month, or make no change and it stays the same
Plus, Preferred Rewards members earn 25% – 75% more cash back on every purchase
No annual fee

Is MLB Mastercard worth it?

MLB Mastercard is a great card for MLB fans. You can choose the card with your favorite team and all MLB teams are available. Cardholders get a $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days.

The rewards rate is average: unfortunately the 3% and 2% rewards are only valid on up to $2,500 in combined purchases per quarter, so this is not a great everyday spend card if you spend more than $10,000 each year. However, as with other eligible Bank of America rewards cards, if you have a balance of more than $20,000 combined between any Bank of America and Merrill investment accounts, you earn a Rewards Bonus of 25% or more with the MLB Mastercard. Bank of America calls this Preferred Rewards, and it helps boost the value of the card.

Pros

$200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days
Cash rewards can be redeemed anytime for statement credit
You can choose the card with your favorite team and all MLB teams are available

Cons

3% and 2% rewards only valid on up to $2,500 in combined purchases per year
Penalty APR
Foreign transaction fee

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	Either $10 or 3% of the amount of each transaction, whichever is greater
Cash Advance Fee	See Terms (has exception)
Penalty APR	29.99%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Get Started with MLB Mastercard

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Mastercard Gold Card Review

Rating: 4 Stars

Bottom Line:
Luxury Travel Perks For Gold Fans

Apply Now

Card Details

Regular APR:	16.49% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	0% for first 15 billing cycles for transfers in first 45 days
Rewards Rate:	one (1) point for every one dollar ($1) you spend
Credit Needed:	(740 – 850) Excellent
Annual Fee:	$995 ($295 for each Authorized User added to the account)
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
one (1) point for every one dollar ($1) you spend
2% Value for Airfare Redemptions: 50,000 points will get you a $1,000 ticket on any airline with no blackout dates or seat restrictions
2% Value for Cash Back Redemptions: Cash back can be deposited directly into a US bank account or applied as a statement credit
Mastercard Gold Card members receive up to $200 in annual air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more. For your convenience, Luxury Card automatically applies the credit to your account
Global Entry & TSA Pre Application Credit. With Global Entry, enjoy expedited arrival into the United States from international destinations. Global Entry members are eligible to participate in TSA Pre, an expedited domestic security screening at participating airports in the United States. Luxury Card members receive a one hundred dollar ($100) automatic statement credit for the cost of the Global Entry application fee
VIP Airport Lounge Access with Priority Pass Select Enjoy complimentary access to more than 1,200 airport lounges around the world with Priority Pass Select?regardless of the airline you are flying or class of ticket you have booked. For your convenience, Mastercard Gold Card and Mastercard Gold Card members are automatically enrolled in the Priority Pass Select program
Luxury Card Concierge can assist you with travel bookings, various personal requests and much more
Mastercard Priceless: Luxury Card members enjoy invitation-only, once-in-a-lifetime experiences. Enjoy a look behind the scenes, sit courtside, see the dress rehearsal before opening night or learn skills from top experts in their trade. Mastercard Priceless delivers exclusive opportunities to go beyond the ordinary
Each year Luxury Card Travel offers you an average value of $500 in travel benefits and services per stay. Amenities and services may include resort or spa credits, complimentary food and beverages, room upgrades and welcome perks.
Unique construction: 24K-gold-plated stainless steel front and carbon back

Is Mastercard Gold Card worth it?

Mastercard Gold Card is a solid card for luxury consumers who like gold. To start, the card offers its own concierge to assist you with travel bookings, various personal requests and much more. The card also offers you an average value of $500 in travel benefits and services per 3-day hotel stay. Amenities and services may include resort or spa credits, complimentary food and beverages, room upgrades and welcome perks. The rewards rate for Mastercard Gold Card is lower than average: cardholders earn one point for every one dollar you spend. The mid-tier version of Mastercard Gold Card is called the Mastercard Black Card, and it has almost the exact same benefits as Mastercard Gold Card except it has a 1.5% cash back redemption rate instead of 2% cash back redemption that the Gold Card has. Most importantly, it has a $495 annual fee. For cardholders who take advantage of all the perks offered by either of these two Luxury Cards, a $495 annual fee could be justified. But this card – the Mastercard Gold Card – has a steep $995 annual fee and only adds the benefit of a physical 24K-gold-plated card, so it’s not recommended for most people.

Pros

Luxury Card members receive a one hundred dollar ($100) automatic statement credit for the cost of the Global Entry application fee
Each year Luxury Card Travel offers you an average value of $500 in travel benefits and services per stay. Amenities and services may include resort or spa credits, complimentary food and beverages, room upgrades and welcome perks.
Receive up to $200 in annual air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more
2% Value for Airfare Redemptions: 50,000 points will get you a $1,000 ticket on any airline with no blackout dates or seat restrictions
2% Value for Cash Back Redemptions

Cons

No sign up bonus
$295 for each Authorized User added to the account
Even with 2% cash back redemption and 2% airfare redemption offered by Mastercard? Gold Card?, the rewards rate of one point per $1 makes this rewards card below average

Why 4 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Delay Insurance

Cellular Telephone Protection

Emergency Card Replacement

Emergency Cash Advance

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Trip Cancellation and Interruption

Get Started with Mastercard Gold Card

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Marvel MasterCard Review

Rating: 4 Stars

Bottom Line:
Cash Back for Marvel Fans

Apply Now

Card Details

Regular APR:	16.99% or 21.99% or 26.99% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Earn 3% Cashback On Dining, Entertainment, Online at Marvel.com and Marvel?s Official Merchandise Booths Earn 1% Cashback On all other Mastercard purchases
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
No Annual Fee
$25 Statement credit after your first purchase with your new Marvel Mastercard
10% Off Merchandise purchases at MarvelShop.com every day
Free Shipping Offers on MarvelShop.com during certain times of year
Special Discount on Marvel Unlimited or Marvel digital comics
Earn 3% Cashback On Dining, Entertainment, Online at Marvel.com and Marvel?s Official Merchandise Booths
Earn 1% Cashback On all other Mastercard purchases
20% Off Tickets to Marvel Avengers S.T.A.T.I.O.N. in Las Vegas when paying with the Marvel Mastercard at the box office
10% Off Merchandise purchased at Marvel Avengers S.T.A.T.I.O.N. in Las Vegas

Is Marvel MasterCard worth it?

Marvel MasterCard is a solid card for Marvel fans. Cardholders earn 3% cashback on dining, entertainment, online at Marvel.com and Marvel?s official merchandise booths. The front of the card can be customized with Spider-Man, Iron Man, Black Panther, the Avengers, a wallpaper of Marvel superhero emblems, or Captain America?s shield. The card has no annual fee. Usually, custom cards like this are not great for rewards, but this card actually is pretty good.

Pros

Earn 3% Cashback On Dining, Entertainment, Online at Marvel.com and Marvel?s Official Merchandise Booths
Earn 1% Cashback On all other Mastercard purchases
No annual fee

Cons

Other cards require you to hit a spend requirement but then they offer $150 sign up bonuses, this card has no spend requirement and unfortunately its bonus is only $25
3% foreign transaction fee

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	3% of each transaction
Balance Transfer Fee	No Balance Transfers Allowed
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with Marvel MasterCard

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Holland American Line Rewards Visa Review

Rating: 4 Stars

Bottom Line:
Rewards with Holland American Line

Apply Now

Card Details

Regular APR:	15.49%, 20.49% or 25.49% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	0% for 15 billing cycles on transfers in first 45 days of account opening
Rewards Rate:	Earn 2 points per $1 spent on all Holland America purchases, including onboard purchases Earn 1 point for every $1 spent on all other purchases everywhere Visa is accepted
Credit Needed:	(740 – 850) Excellent
Annual Fee:	None
Card Brand:	American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 2 points per $1 spent on all Holland America purchases, including onboard purchases
Earn 1 point for every $1 spent on all other purchases everywhere Visa is accepted
Earn 5,000 points after first purchase enough to redeem for a $50 onboard credit
Redeem points for discounts toward Holland America Cruises when you use your Holland America Visa to book the cruise
Redeem points for onboard amenities and credits, along with gift cards and merchandise
Use points for statement credits toward airfare

Is Holland American Line Rewards Visa worth it?

Holland American Line Rewards Visa Card is a solid card for people who often cruise with Holland America Line. The rewards structure favors frequent customers. For example, within 180 days of making a Holland America Line purchase with this card, points have a higher redemption value, up to 2.5% back for purchases above $4000 when redeemed for a statement credit. Points can also be redeemed for onboard amenities, gift cards, merchandise and travel, including flights through BarclaysUS.com. Other cards offer a higher rewards rate across a wider variety of purchases, but if you are loyal to Holland America Line, this may be the right card for you.

Pros

Earn 5,000 points after first purchase enough to redeem for a $50 onboard credit
No annual fee
No foreign transaction fee

Cons

2x rewards does not apply to other cruise lines
Benefits include just $0 fraud liability and concierge service

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Concierge Service

Get Started with Holland American Line Rewards Visa

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Harley-Davidson Visa Signature Review

Rating: 4 Stars

Bottom Line:
Rebate for Harley-Davidson Fans

Apply Now

Card Details

Regular APR:	15.74% – 24.74% (Variable)
Intro APR (Purchases):	0% for 12 billing cycles
Intro APR (Balance transfers):	0% for 12 billing cycles for transfers in first 30 days of account opening
Rewards Rate:	3 points per $1 at H-D dealerships and h-d.com/store 2 points per $1 at gas stations, restaurants, bar and lodging merchants 1 point everywhere else Visa is accepted for every $1 of eligible net purchases
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Spend $500 in eligible net purchases (net purchases are purchases minus credits and returns) within the first 60 days of account opening and 10,000 Genuine Rewards points will be credited to your account 6-8 weeks after the 60-day period. The 10,000 Genuine Rewards points can be redeemed for a $100 H-D Gift Card
Get a 0% intro APR* on purchases and balance transfers for 12 billing cycles
3 points per $1 at H-D dealerships and h-d.com/store
2 points per $1 at gas stations, restaurants, bar and lodging merchants
1 point everywhere else Visa is accepted for every $1 of eligible net purchases
For every 2,500 points you earn, you can redeem for a $25 H-D Gift Card to spend at Harley dealerships and h-d.com/store

Is Harley-Davidson Visa Signature worth it?

Harley-Davidson Visa Signature is a great card for fans of Harley-Davidson. Cardholders earn 3 points per $1 at H-D dealerships and h-d.com/store. For every 2,500 points you earn, you can redeem for a $25 H-D Gift Card to spend at Harley dealerships and h-d.com/store. This means that one point is worth one cent, so 3 points per $1 is a 3% rebate on H-D? dealerships and h-d.com/store purchases. This is great.

Pros

No annual fee
3 points per $1 at H-D dealerships and h-d.com/store
2 points per $1 at gas stations, restaurants, bar and lodging merchants
1 point everywhere else Visa is accepted for every $1 of eligible net purchases
Every purchase you make with your card earns you one entry into the H-D Visa Free Ride Sweepstakes

Cons

Other cards offer 1.5% or 2% unlimited cash back for all purchases. Harley-Davidson Visa Signature offers 3% rewards for purchases at H-D dealerships and h-d.com/store, but making those purchases with a cash back card would offer more flexible redemption.

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either 3% of the amount of each transfer or $5 minimum, whichever is greater
Cash Advance Fee	Either 3% of the amount of each advance or $10 minimum, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Delay Reimbursement

Concierge Service

Emergency Card Replacement

Emergency Cash Disbursement

Extended Warranty Protection

Lost Luggage Reimbursement

Travel Accident Insurance

Price Protection

Purchase Protection

Return Protection

Roadside Dispatch

Travel and Emergency Assistance

Trip Cancellation/Trip Interruption Reimbursement

Trip Delay Reimbursement

Get Started with Harley-Davidson Visa Signature

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Chase Disney Rewards Visa Review

Rating: 5 Stars

Bottom Line:
Rewards for Disney Fans

Apply Now

Card Details

Regular APR:	17.74% (Variable)
Intro APR (Purchases):	0% for 6 months on select Disney vacation packages or the purchase of a real estate interest in a Disney Vacation Club? Resort
Intro APR (Balance transfers):	None
Rewards Rate:	Earn 1% in Disney Rewards Dollars on everyday card purchases. This means you earn 1 Disney Rewards Dollar for every $100 spent on purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	None
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
New Cardmembers: Earn a $50 statement credit after your first purchase with the Chase Disney Rewards Visa Card
Earn 1% in Disney Rewards Dollars on everyday card purchases. This means you earn 1 Disney Rewards Dollar for every $100 spent on purchases
There are no limits to the number of Disney Rewards Dollars you can earn
Redeem toward products and offerings at most Disney locations, including Theme Park tickets, hotel stays, toys and more
Save 10% on select purchases at Disney store and shopDisney.com
Get access to exclusive Disney Visa Cardmember events at Disney store
10% off select merchandise purchases of $50 or more at select locations and 10% off select dining locations on most days at the Disneyland and Walt Disney World Resorts
Disney Visa Cardmember-exclusive photo opportunities with Disney or Star Wars Characters, held in private locations at the Disneyland and Walt Disney World Resorts
Special vacation financing on select Disney vacation packages
Savings aboard Disney Cruise Line when using your card to pay for select onboard purchases

Is Chase Disney Rewards Visa worth it?

Chase Disney Rewards Visa Card is a great card for Disney fans. Every dollar you spend with this card earns 1% in Disney Rewards Dollars and this is a no annual fee.

Pros

Earn a $50 statement credit after your first purchase
No annual fee
Exclusive photo opportunities with Disney or Star Wars Characters, held in private locations at the Disneyland and Walt Disney World Resorts

Cons

Rewards must be transferred to a Disney Rewards Redemption Card before being used. The card itself expires after a year, but you can transfer rewards to a new card before the expiration date.

Why 5 Stars?

Regular APR

5 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 3% of the amount of each transaction, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Get Started with Chase Disney Rewards Visa

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Chase Disney Premier Visa Card Review

Rating: 4 Stars

Bottom Line:
Cash Back on Restaurants and Gas

Apply Now

Card Details

Regular APR:	17.74% (Variable)
Intro APR (Purchases):	0% for 6 months on select Disney vacation packages or the purchase of a real estate interest in a Disney Vacation Club? Resort
Intro APR (Balance transfers):	None
Rewards Rate:	Earn 2% in Disney Rewards Dollars on card purchases at gas stations, grocery stores, restaurants and most Disney locations with your Disney Premier Visa Card Earn 1% in Disney Rewards Dollars on all other card purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$49
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
New Cardmembers: Earn a $200 statement credit after spending $500 on purchases in the first 3 months from account opening
Earn 2% in Disney Rewards Dollars on card purchases at gas stations, grocery stores, restaurants and most Disney locations with your Disney Premier Visa Card
Earn 1% in Disney Rewards Dollars on all other card purchases
There are no limits to the number of Disney Rewards Dollars you can earn
Redeem toward products and offerings at most Disney locations, including Theme Park tickets, hotel stays, toys and more
Redeem for a statement credit toward airline travel. Just purchase airline tickets with your Disney Premier Visa Card and then pay yourself back by redeeming your Disney Rewards Dollars for a credit on your monthly statement. There are no block out dates
Save 10% on select purchases at Disney store and shopDisney.com
Get access to exclusive Disney Visa Cardmember events at Disney store
10% off select merchandise purchases of $50 or more at select locations and 10% off select dining locations on most days at the Disneyland? and Walt Disney World? Resorts
Disney Visa Cardmember-exclusive photo opportunities with Disney or Star Wars Characters, held in private locations at the Disneyland? and Walt Disney World? Resorts
Special vacation financing on select Disney vacation packages
Savings aboard Disney Cruise Line when using your card to pay for select onboard purchases

Is Chase Disney Premier Visa worth it?

Chase Disney Premier Visa is a great card for Disney fans who spend a lot on gas, grocery stores, and restaurants. Purchases at gas stations, grocery stores, restaurants and most Disney locations earn 2% in Disney Rewards Dollars with this card. Travel purchases with this card can be redeemed for statement credit.

Pros

Earn a $200 statement credit after spending $500 on purchases in the first 3 months from account opening
Redeem points for a statement credit toward travel – for example if you purchase plane tickets with this card you can redeem your rewards for a statement credit
Exclusive photo opportunities with Disney or Star Wars Characters, held in private locations at the Disneyland? and Walt Disney World? Resorts

Cons

Rewards – not including for air travel – must be transferred to a Disney Rewards Redemption Card before being used. The card itself expires after a year, but you can transfer rewards to a new card before the expiration date.

Why 4 Stars?

Regular APR

5 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 3% of the amount of each transaction, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Delay Insurance

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Get Started with Chase Disney Premier Visa

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