CardResearch

Independent Credit Card Research

Best Credit Cards For Fair Credit

Amtrak Guest Rewards World Mastercard? Review

Amtrak-Guest-Rewards-World-Mastercard

Rating: 4 Stars

Bottom Line:
For Frequent Amtrak Travelers

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 4 Stars?Fees
Benefits

Card Details

Regular APR:16.74% – 24.74% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:Earn 3 points for every $1 spent on Amtrak travel, including onboard purchases

Earn 2 points per $1 spent on other qualifying travel purchases

Earn 1 Point per $1 spent on all other purchases
Credit Needed:(670 – 850) Excellent/Good
Annual Fee:$79
Card Brand:Mastercard

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

Offer Highlights

  • Click APPLY NOW to apply online
  • Get 20,000 bonus points after you make $1,000 or more in purchases on your new card within 90 days of account opening. That?s enough points to redeem for a trip to many of our over 500 destinations across the country.
  • Get a 5% Amtrak Guest Rewards point rebate when you book your Amtrak redemption travel.
  • Annual Companion Coupon: Get a Companion Coupon upon account opening and each year when your account renews (worth up to $300 in Amtrak travel)
  • Annual Upgrade Coupon: Get an Upgrade Coupon upon account opening and each year when your account renews for an enhanced travel experience (worth up to $150 in Amtrak travel)
  • Get a 5% Amtrak Guest Rewards point rebate when you book your Amtrak redemption travel
  • A faster route to tier status: Earn 1,000 Tier Qualifying Points (TQPs) toward earning tier status each time your eligible spending reaches $5,000 in a calendar year, up to 4,000 TQPs per year
  • Onboard Purchases Rebate: Get a 20% rebate on your food and beverage purchases onboard when you use your Amtrak Guest Rewards World Mastercard
  • Complimentary Station Lounge Pass: Get a complimentary Single-Visit Station Lounge pass upon account opening (worth up to $25 in Amtrak travel)

Is Amtrak Guest Rewards World Mastercard worth it?

Amtrak Guest Rewards World Mastercard is a great card for travelers who regularly travel by train on Amtrak.

Pros

  • Earn 3 Points per $1 spent on Amtrak travel, including onboard purchases.
  • Annual Companion Coupon
  • Earn 1,000 Tier Qualifying Points towards elite status for every $5,000 you spend on your card, up to 4,000 TQPs annually
  • Reasonable annual fee for regular Amtrak travelers

Cons

  • No airline transfer partners
  • penalty APR

Why 4 Stars?

Regular APR


4 Stars

Intro APR


4 Stars

Fees


4 Stars

Perks


5 Stars

Overall


4 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer Fee3% of the amount of each transaction or $10, whichever is greater
Cash Advance Fee3% of the amount of each transaction or $10, whichever is greater
Penalty APRUp to 29.99%

Benefits

$0 Fraud Liability

Get Started with Amtrak Guest Rewards World Mastercard

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.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Journey Student Rewards from Capital One Review

Journey Student Rewards from Capital One

Rating: 4 Stars

Bottom Line:
Student Card with Cash Back

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 4 Stars?Fees
Benefits

Card Details

Regular APR:26.96% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:Unlimited 1% cash back, increases to 1.25% if you pay your bill on time that month
Credit Needed:(580-669) Average/Fair/Limited
Annual Fee:$0
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% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get Eno, your Capital One assistant, to manage your account via text, receive alerts, and shop safer online
  • Pick the monthly due date that works best for you
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • $0 fraud liability if your card is ever lost or stolen
  • Monitor your credit profile with the CreditWise app, free for everyone

Is Journey Student Rewards from Capital One worth it?

Journey Student Rewards from Capital One is a solid card for students looking to build a credit score and credit history. It also provides a higher credit limit after you make on time payments for the first five months and increases its cash back rate from 1% to 1.25% when you pay your bill on time for that month. With no annual fee and no foreign transaction fee, Journey Student Rewards costs nothing and is even good for study abroad.

Pros

  • Build your credit as a student
  • No annual fee
  • 1% cash back on all purchases

Cons

  • Higher than average APR

Why 4 Stars?

Regular APR


4 Stars

Intro APR


4 Stars

Fees


5 Stars

Perks


4 Stars

Overall


4 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer FeeNone
Cash Advance Fee3% of transaction amount or $10, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Extended Warranty Program
Travel Accident Insurance
Travel and Emergency Assistance
Get Started with Journey Student Rewards from Capital One

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.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Capital One Platinum Review

Capital One Platinum Credit Card

Rating: 4 Stars

Bottom Line:
Build Credit Without A Deposit

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 4 Stars?Fees
Benefits

Card Details

Regular APR:26.96% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:None
Credit Needed:(580-669) Average/Fair
Annual Fee:$0
Card Brand:Mastercard

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

Offer Highlights

  • Click APPLY NOW to apply online
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee ? and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use

Is Capital One Platinum worth it?

Platinum from Capital One is a solid card for people looking to improve their credit score without making a cash deposit upfront. It also provides a higher credit limit after you make on time payments for the first five months.

Pros

  • Build your credit
  • No annual fee

Cons

  • Higher than average APR
  • No hidden fees

Why 4 Stars?

Regular APR


4 Stars

Intro APR


4 Stars

Fees


5 Stars

Perks


4 Stars

Overall


4 Stars

Fees

Foreign Transaction Fee$0
Balance Transfer Fee$0
Cash Advance Fee3% of the amount of each transaction or $10, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Travel Accident Insurance
Extended Warranty Program
Travel Assistance
Get Started with Capital One Platinum

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.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Blaze Mastercard Review

Blaze Mastercard

Rating: 4 Stars

Bottom Line:
Build Credit With No Hidden Fees

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 4 Stars?Fees
Benefits

Card Details

Regular APR:29.9% Fixed
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:None
Credit Needed:(580-669) Average/Fair
Annual Fee:$75
Card Brand:Visa

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

Offer Highlights

  • Click APPLY NOW to apply online
  • Credit limit up to $1,500 – most customers receive an initial credit limit of $350; some higher
  • No security deposit required
  • In as little as 6 months you may get a credit line increase by making on-time payments and keeping your account in good-standing
  • Stay in-touch with your account with text and email alerts
  • Access your account on the go with our free mobile app

Is Blaze Mastercard worth it?

Mastercard from Blaze is a solid card for people looking to improve their credit score. There is a $75 annual fee but no hidden fees, and the card functions like a secured credit card where you put down a refundable security deposit.

Pros

  • No hidden fees
  • Available to individuals with fair or limited credit
  • Build your credit

Cons

  • $75 annual fee

Why 4 Stars?

Regular APR


4 Stars

Intro APR


4 Stars

Fees


5 Stars

Perks


4 Stars

Overall


4 Stars

Fees

Foreign Transaction Fee$0
Balance Transfer FeeNo Balance Transfers Allowed
Cash Advance Fee2% of the amount of each transaction
Penalty APRNone

Benefits

Get Started with Blaze Mastercard

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.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Capital One Secured Mastercard Review

Rating: 4 Stars

Bottom Line:
Build Credit With No Annual Fee Or Penalty APR

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 4 Stars?Fees
Benefits

Card Details

Regular APR:26.99% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:None
Credit Needed:(580-669) Average/Fair
Annual Fee:$0
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, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It’s a credit card accepted at millions of locations worldwide
  • Help strengthen your credit for the future with responsible card use

Is Capital One Secured Mastercard Credit Card worth it?

Capital One Secured Mastercard is a solid card for people looking to improve their credit score – It requires a security deposit but reports to the credit bureaus like a traditional credit card does. It also provides a higher credit limit after you make on time payments for the first five months.

Pros

  • Build your credit
  • Reports to the three major credit bureaus each month
  • No annual fee
  • No penalty APR

Cons

  • Higher than average APR

Why 4 Stars?

Regular APR


4 Stars

Intro APR


4 Stars

Fees


5 Stars

Perks


4 Stars

Overall


4 Stars

Fees

Foreign Transaction Fee$0
Balance Transfer Fee$0
Cash Advance Fee3% of transaction amount or $10, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Extended Warranty Program
Travel Accident Insurance
Travel Assistance
Get Started with Capital One Secured Mastercard

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.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Capital One Spark Classic for Business Review

Capital One? Spark? Classic for Business

Rating: 4 Stars

Bottom Line:
Build Credit As A Business Owner

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 4 Stars?Fees
Benefits

Card Details

Regular APR:25.24% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:1% Cash Back on every purchase
Credit Needed:(580-669) Average/Fair/Limited
Annual Fee:$0
Card Brand:Visa

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

Offer Highlights

  • Click APPLY NOW to apply online
  • Enjoy no annual fee
  • Earn 1% cash back on every purchase
  • Build business credit with responsible use
  • Fraud coverage if your card is ever lost or stolen
  • No foreign transaction fees
  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost and experienced small business customer service

Is Capital One Spark Classic for Business Credit Card worth it?

Capital One Spark Classic for Business is a great cash back card for business owners with average credit looking to build their credit and earn 1% cash back on every purchase with no annual fee.

Pros

  • Build your credit – reports activity to business credit bureaus Dun & Bradstreet, Experian, and Small Business Financial Exchange
  • Free employee cards
  • No foreign transaction fee
  • Free employee cards
  • No annual fee

Cons

  • Lower than average flat-rate cash back rate
  • Higher than average APR

Why 4 Stars?

Regular APR


4 Stars

Intro APR


4 Stars

Fees


5 Stars

Perks


4 Stars

Overall


4 Stars

Fees

Foreign Transaction Fee$0
Balance Transfer FeeNone
Cash Advance Fee3% of transaction amount or $10, whichever is greater
Penalty APR31.65%

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Extended Warranty Program
Travel Accident Insurance
Lost Luggage Reimbursement
Travel Assistance
Get Started with Capital One Spark Classic for Business 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.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Capital One QuicksilverOne Cash Rewards Credit Card Review

Capital One? QuicksilverOne? Cash Rewards Credit Card

Rating: 5 Stars

Bottom Line:
Simple Cash Back For Fair Credit

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:26.96% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:1.5% Cash Back on every purchase, every day
Credit Needed:(580-669) Average/Fair/Limited
Annual Fee:$39
Card Brand:Mastercard

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

Offer Highlights

  • Click APPLY NOW to apply online
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn’t expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app

Is Capital One QuicksilverOne Cash Rewards Credit Card worth it?

QuicksilverOne Cash Rewards from Capital One is a great card with an ongoing 1.5% cash back rate across all spending categories and a reasonable $39 annual fee. QuicksilverOne Cash Rewards is available to cardholders with average or limited credit and has a high APR.

Pros

  • Simple flat-rate cash back of 1.5% on all purchases
  • No foreign transaction fee

Cons

  • High APR
  • No intro bonus
  • Does not offer higher rewards in one category vs. another category – no rotating high cash back opportunities

Why 5 Stars?

Regular APR


4 Stars

Intro APR


4 Stars

Fees


5 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer Fee$0
Cash Advance Fee3% of transaction amount or $10, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Extended Warranty Program
Purchase Protection
Roadside Assistance
Travel Assistance
Get Started with Capital One QuicksilverOne Cash Rewards 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.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Wells Fargo Business Secured Credit Card Review

Wells Fargo Business Secured Credit Card

Rating: 5 Stars

Bottom Line:
Build Business Credit and Earn Cash Back or Points

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:Prime + 11.90% (Variable)
Intro APR (Purchases):Not Stated
Intro APR (Balance transfers):Not Stated
Rewards Rate:Earn 1.5% cash back on every $1 spent or earn 1 point on every $1 spent
Credit Needed:(580-669) Average/Fair/Limited/No
Annual Fee:$25
Card Brand:Mastercard

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

Offer Highlights

  • Click APPLY NOW to apply online
  • Great for businesses with little to no business credit history or past credit challenges
  • Cash Back option: Earn 1.5% cash back on every $1 spent
  • Reward Points option: Earn 1 point on every $1 spent and receive 1,000 bonus points when your company spend is $1,000 or more in any monthly billing period
  • $0 annual rewards program fee
  • $500 to $25,000 credit line
  • $25 annual fee per card
  • Up to 10 employee cards
  • Get 10% point credit when you redeem points online
  • Earn extra bonus points or discounts from Earn More Mall? retailers

Is Wells Fargo Business Secured Credit Card worth it?

Wells Fargo Business Secured is a solid card for people looking to build business credit and earn rewards in the form of cash back or points. Wells Fargo reports your payment and usage behavior to the Small Business Financial Exchange, which leases that data to companies that will use it to determine your creditworthiness.

A deposit of $500 is required to open the account, and an additional minimum deposit of $500 is required for each additional credit card issued on the credit card account. Monthly payments are not reported to the credit bureaus directly, so Wells Fargo Business Secured will not build your personal credit.

As for the value of the card itself, cardholders receive 1.5% cash back on every $1 spent or earn 1 point on every $1 spent. You can choose whether you want points or cash back. While cash back is the most flexible redemption option, there are some benefits to the points program. For example, you get a 10% point credit when you redeem points online. You also earn extra bonus points or discounts from Earn More Mall? retailers, such as 3 points per $1 at Staples, 2 points per $1 at Expedia, and 10 points per dollar at 24 hour Fitness.

To redeem for travel through Wells Fargo Rewards, standard airfare starts at 25,000 points for a domestic round-trip flight on any major airline. This is conservatively a 1.5 cent per point value, which is good for any type of standard redemption, including travel. When booking travel online at wellsfargorewards.com, you can pay with rewards Points, cash or a combination of both, which is a nice feature not shared by every rewards program.

If you choose to opt for cash back instead of points, you receive your cash back automatically as a credit to your statement or to your eligible checking or savings account each quarter: March, June, September, and December. Typically, 12-18 months of on-time payments will allow you to build credit to the point of getting an unsecured card; however, Wells Fargo does not specify a time period that they may upgrade you to one of their unsecured cards.

In any case, if you?re looking to build business credit and earn rewards in the form of cash back or points, Wells Fargo Business Secured is a great card for you.

Pros

  • Build your business credit
  • No foreign transaction fee
  • Lower than average APR

Cons

  • Minimum security deposit of $500 per card
  • Up to 10 employee cards available but at a cost of $25 per card
  • Cannot redeem travel rewards online, must call Wells Fargo Go Far Rewards customer service

Why 5 Stars?

Regular APR


5 Stars

Intro APR


4 Stars

Fees


4 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer FeeNot Stated
Cash Advance FeePrime + 20.74%
Penalty APRNone

Benefits

$0 Fraud Liability

Get Started with Wells Fargo Business Secured 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.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Navy Federal cashRewards Review

Navy Federal cashRewards Credit Card

Rating: 5 Stars

Bottom Line:
For Members of the Armed Forces and Their Families

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:11.65 – 18.00% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:1.5% cash back on purchases
Credit Needed:
(580 – 850) Average/Fair/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 $250 bonus cash back when you spend $2,500 within 90 days of account opening
  • 1.5% cash back on purchases
  • Start redeeming rewards as soon as you earn them
  • No rewards limit
  • No rewards expiration while account is open

Is Navy Federal cashRewards worth it?

Navy Federal cashRewards Credit Card is a great card for Navy supporters and members of all branches of the armed forces as well as their families. Cardholders earn 1.5% cash back on purchases and $250 bonus cash back when you spend $2,500 in the first 90 days. The cash is deposited in your savings or checking account or posted as a credit on your statement.

The APR is low and there is no annual fee, no foreign transaction fee, and no cash advance fee if performed at a Navy Federal branch or ATM. This is simply a great card for members of the armed forces and their families.

Pros

  • Sign up bonus of $250 bonus cash back when you spend $2,500 within 90 days of account opening is competitive with bonuses offered by big banks
  • APR is low
  • No foreign transaction fee
  • No annual fee

Cons

  • Navy Federal Credit Union only open to members of all branches of the armed forces and their families
  • No 0% Intro APR period

Why 5 Stars?

Regular APR


5 Stars

Intro APR


4 Stars

Fees


4 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer FeeNo Balance Transfers Allowed
Cash Advance FeeNone if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction
Penalty APR18.00%

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 Navy Federal cashRewards

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.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Discover It Student Chrome Review

Discover It Student Chrome

Rating: 5 Stars

Bottom Line:
Student Cash Back at Gas and Restaurants

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:14.74% – 23.74% (Variable)
Intro APR (Purchases):0% for 6 months
Intro APR (Balance transfers):10.99% for 6 months on qualifying balance transfers
Rewards Rate:Earn 2% Cash Back at gas stations and restaurants on up to $1,000 in combined purchases each quarter

Earn unlimited 1% cash back on all other purchases – automatically

Discover will match all the cash back you’ve earned at the end of your first year, so your cash back gets doubled
Credit Needed:(580-669) Average/Fair
Annual Fee:None
Card Brand:Discover

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

Offer Highlights

  • Click APPLY NOW to apply online
  • Get $20 statement credit each school year your GPA is 3.0 or higher for up to next five years
  • Earn 2% Cash Back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically
  • Cashback Match: We’ll automatically match all the cash back you’ve earned at the end of your first year. There’s no signing up. And no limit to how much we’ll match
  • Your cash back never expires. Redeem your rewards in any amount, at any time
  • Free Social Security number alerts: we’ll monitor thousands of Dark Web sites when you sign up
  • If you misplace your card, you can freeze your account in seconds on the mobile app or website to prevent new purchases, cash advances, and balance transfers
  • Easily view your FICO Credit Score on monthly statements, mobile and online for free

Is Discover It Student Chrome worth it?

Discover It Student Chrome is a great card for students looking to build credit and earn cash back on gas and restaurants purchases. Students earn 2% Cash Back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, unlimited 1% cash back on all other purchases, and Discover will match all the cash back you’ve earned at the end of your first year so your cash back gets doubled. The $20 statement credit each school year you earn a 3.0 GPA or higher is a nice perk.

Pros

  • Build your credit
  • Report to all three major credit bureaus
  • Earn 2% Cash Back at gas stations and restaurants on up to $1,000 in combined purchases each quarter
  • Discover will match all the cash back you’ve earned at the end of your first year, so your cash back gets doubled
  • No annual fee

Cons

  • No 0% Intro APR for balance transfers

Why 5 Stars?

Regular APR


4 Stars

Intro APR


4 Stars

Fees


5 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer FeeAfter January 10, 2020, you no longer get an intro fee of 3% of the amount of each balance transfer that has posted to your account. It then becomes 5% of the amount of each transfer.
Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability

Get Started with Discover It Student Chrome

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.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Digital Federal Credit Union Visa Platinum Secured Review

Digital-Federal-Credit-Union-Visa-Platinum-Secured-Credit-Card

Rating: 5 Stars

Bottom Line:
Build Credit For DCU Members But A High Minimum Deposit

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:13.25% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:None
Credit Needed:(580 – 669) Average/Fair/Limited/No
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
  • Embedded EMV chip – this tiny chip protects your information in a big way
  • Mobile Wallet Compatible – works with Apple Pay, Google Pay, and Samsung Pay.
  • Optional overdraft protection – We’ll transfer the balance of any overdrafts from your DCU checking account to your DCU Visa Platinum account up to your available limit
  • No annual fee

Is Digital Federal Credit Union Visa Platinum Secured worth it?

Digital Federal Credit Union Visa Platinum Secured is a great card for building credit. The minimum deposit is high – $500. As with other credit card applications, approval is reliant on not only your credit score but also your income and payment history. If you have a high number of past due, or delinquent, accounts, it will be harder to get approved. Users of this card have reported that they were denied with bad credit, so if you do have bad credit, it would be wise to only apply if you have a good income and solid payment history.

Pros

  • No fee on cash advances and balance transfers
  • Low regular APR
  • No annual fee

Cons

  • $500 minimum deposit
  • Must be a DCU member – simple and as low as $15 to join through a participating organization or through a charitable donation
  • 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 FeeNone
Balance Transfer FeeNone
Cash Advance FeeNone
Penalty APR18.00%

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Extended Warranty Program
Lost Luggage Reimbursement
Purchase Protection
Travel Accident Insurance
Get Started with Digital Federal Credit Union Visa Platinum Secured

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.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Amtrak Guest Rewards Platinum Mastercard Review

Amtrak-Guest-Rewards-Platinum-Mastercard

Rating: 4 Stars

Bottom Line:
No Annual Fee Amtrak Rewards

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 4 Stars?Fees
Benefits

Card Details

Regular APR:16.74% – 24.74% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:Earn 2 Points per $1 spent with Amtrak

Earn 1 Point per $1 spent on all other purchases
Credit Needed:(580-669) Average/Fair
Annual Fee:$0
Card Brand:Mastercard

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

Offer Highlights

  • Click APPLY NOW to apply online
  • Get 12,000 bonus points after you make $1,000 or more in purchases on your new card within 90 days of account opening. That’s enough points to redeem for a trip to many of our over 500 destinations across the country.
  • Get a 5% Amtrak Guest Rewards point rebate when you book your Amtrak redemption travel
  • There’s no limit to how many points you can earn and you can redeem them when you want since your points will not expire as long as your card account is open.
  • No annual fee
  • Plus, chip technology for enhanced security and protection when making purchases at chip-enabled terminals in over 130 countries
  • No foreign transaction fees

Is Amtrak Guest Rewards Platinum Mastercard worth it?

Amtrak Guest Rewards Platinum Mastercard is a great card for travelers who travel by train on Amtrak and are looking for a card with no annual fee.

Pros

  • Earn 2 Points per $1 spent with Amtrak. This includes purchases through the Amtrak portal with Choice Hotels, Wyndham Resorts, Hertz, Target, Walmart, Apple, and more.
  • No annual fee

Cons

  • No airline transfer partners
  • penalty APR

Why 4 Stars?

Regular APR


4 Stars

Intro APR


4 Stars

Fees


4 Stars

Perks


5 Stars

Overall


4 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer Fee3% of the amount of each transaction or $10, whichever is greater
Cash Advance Fee3% of the amount of each transaction or $10, whichever is greater
Penalty APRUp to 29.99%

Benefits

$0 Fraud Liability

Get Started with Amtrak Guest Rewards Platinum Mastercard

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.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

AAA Member Rewards Credit Card Review

AAA Member Rewards Card

Rating: 5 Stars

Bottom Line:
Rewards for AAA members

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:14.99% – 24.99% (Variable)
Intro APR (Purchases):0% for 12 months
Intro APR (Balance transfers):0% for 12 months on qualifying balance transfers
Rewards Rate:3X points on eligible AAA and travel purchases

2x points on gas grocery store, wholesale club, and drugstore purchases

1x points on all other types of purchases
Credit Needed:(580-669) Average/Fair
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 cardholders get a $150 statement credit after making at least $750 in purchases within the first 90 days of account opening.
  • $0 annual fee and no foreign transaction fee
  • Earn 3X points on eligible AAA and travel purchases
  • Earn 2x points on gas, grocery store, wholesale club, and drugstore purchases
  • Earn 1x points on all other types of purchases

Is AAA Member Rewards worth it?

AAA Member Rewards Credit Card is a great card for AAA members with 3 points per dollar on eligible AAA purchases and travel which can be booked through the AAA Travel Center. For non-AAA members, the card is a solid choice, with 2 points per dollar on popular spending categories – gas, grocery store, wholesale club, and drugstore purchases.

Point redemptions start at 5,000 points for statement credit, 2,500 points for air-travel, 3,500 for gift cards, 5,000 for AAA vouchers, including AAA auto repair facilities. Points are worth one cent when redeemed as statement credit and a little more when redeemed for AAA purchases. This card has no annual fee.

Pros

  • $150 statement credit after $750 in purchases in first 90 days of account opening
  • 3x rewards on eligible AAA purchases and travel
  • 2x rewards in popular spending categories ? gas, grocery store, wholesale club, and drugstore purchases
  • No annual fee

Cons

  • 5000 points must be earned before they can be redeemed for cash or AAA benefits

Why 5 Stars?

Regular APR

The normal APR of 14.99% – 24.99% (Variable) is average. Pretty good for a rewards card, but not excellent.
4 Stars

Intro APR

There is an Intro APR of 0% for 12 months on purchases and balance transfers, as long as the transfer is made in the first 60 days of opening the account. This is a great Intro APR. But there is a caveat to be aware of with balance transfers, and this goes for all balance transfer cards.

If you make a transfer and then make a purchase, you have to pay the minimum payment and on top of that pay off the purchase in that billing period to avoid interest. Because you have to know your minimum payment to get this right, most people should use a different card for purchases.
5 Stars

Fees

There’s no annual fee and no foreign transaction, but there’s no break on balance transfer or cash advance fees. Plus, there’s up to 29.99% penalty interest, depending on your credit, if you make a late payment.
4 Stars

Perks

Free cash is good – especially $150 statement credit after $750 in purchases in first 90 days. 3x rewards on AAA purchases and travel and 2x rewards in gas, grocery store, wholesale club, and drugstore purchases covers almost every major category of everyday purchase people use credit cards for.

Putting aside the AAA rewards for a second, if all you did was spend $1000 on gas, $3000 on groceries and wholesale club purchases, and $1000 on drugstore purchases, you would get $50 in statement credit. Not bad for a no annual fee card. The card is a Visa Signature too, so it offers a long list of benefits.
5 Stars

Overall

The rewards are pretty good and will be even sweeter if you are already comfortable making purchases through the AAA.com website. There’s no break on interest or penalty interest, so keep an eye on your balance and hopefully you won’t have to deal with interest.
5 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer Fee3% per transaction
Cash Advance FeeNone
Penalty APR17.99%

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 AAA Member Rewards 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.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.