Best Credit Cards For Paying Bills

Farmers Rewards Visa Review

Rating: 4 Stars

Bottom Line:
For Farmers Insurance Products, Gas, and Home Improvement

Card Details

Regular APR:	15.24% – 22.24% (Variable)
Intro APR (Purchases):	0% for 12 months
Intro APR (Balance transfers):	0% for 12 months on qualifying balance transfers
Rewards Rate:	3X points for $1 spent on Farmers products 3X points for $1 spent on Fuel / Gas 3X points for $1 spent on Home Improvement 1X points for $1 spent everywhere else Visa is accepted
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
You will earn 3,000 points after spending $500 in the first 90 days from Account opening
3 Points for each $1.00 of Net New Purchases made on eligible Farmers and other insurers’ products
3 Points for each $1.00 of Net New Purchases made on Gasoline and Home Improvement.
1 Point for each $1.00 of Net New Purchases made everywhere else Visa is accepted
1,000 Points on every Account anniversary date
0% introductory purchase APR for 12 months. After that your APR will be 15.24% to 22.24% based on Prime rate and creditworthiness

Is Farmers Rewards Visa worth it?

Farmers Rewards Visa is a solid card for people who spend a lot on gas and home improvement. Gas and home improvement earn 3X points per $1. Farmers products earn 3X points per $1, so Farmers customers are a good fit for this card. There are few if any cards that give 3X rewards on insurance products. Some other cards offer at least 2% on all purchases.

Pros

3X points for $1 spent on Farmers products
3X points for $1 spent on Fuel / Gas
3X points for $1 spent on Home Improvement
No annual fee

Cons

Other cards offer higher than 3% on gas and home improvement and some other cards offer at least 2% on all purchases

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 $10 or 3%, whichever is greater
Cash Advance Fee	Either $10 or 5%, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with Farmers Rewards Visa

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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BB&T Spectrum Cash Rewards Card Review

Rating: 5 Stars

Bottom Line:
For Southeastern U.S. Residents to Get Cash Back On Gas, Utilities, and Groceries

Apply Now

Card Details

Regular APR:	14.99% – 23.99% (Variable)
Intro APR (Purchases):	0% for 12 months
Intro APR (Balance transfers):	0% for 12 months
Rewards Rate:	Get 3% cash back on gas 2% cash back on utilities and groceries 1% cash back on all other qualifying purchases
Credit Needed:	(740 – 850) Excellent
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
Get 3% cash back on gas and 2% cash back on utilities and groceries for the first $1,000 in combined purchases between gas, utilities, and groceries. Get 1% cash back on all other qualifying purchases
Get 10% bonus cash when you redeem rewards into your BB&T checking or savings account
Enjoy flexible rewards you can use for cash back, statement credit, gift cards and more
0% introductory Annual Percentage Rate (APR) for 12 months on purchases and balance transfers
Variable APRs ranging from Prime + 9.99% to Prime + 18.99%; current rates are 14.99% to 23.99%
No annual fee

Is BB&T Spectrum Cash Rewards Card worth it?

BB&T Spectrum Cash Rewards Card is a great card for people in the BB&T service area – this is most of the Southeastern U.S. excluding Florida – who want to earn cash back on monthly expenses and have the option to pay off debt and finance purchases. This card offers 3% cash back on gas and 2% cash back on utilities and groceries for $1,000 in combined purchases between gas, utilities, and groceries. The Intro APR is 0% on purchases and balance transfers for 12 months.

Pros

0% Intro APR for 15 months on balance transfers
0% Intro APR for 15 months on purchases
No annual fee
No Penalty APR

Cons

Foreign transaction fee
3% cash back is only for gas, 2% cash back is only for utilities and groceries – cards from nationwide issuers can offer more 3% and 2% categories or 1.5% ? 2% flat-rate cash back across all categories

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	3% of the amount of each cash advance or $10, whichever is greater
Cash Advance Fee	3% or $10 minimum on transactions greater than $10
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Emergency Assistance

Extended Warranty Program

Travel Accident Insurance

Travel Assistance

Get Started with BB&T Spectrum Cash Rewards Card

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Citi Double Cash Review

Rating: 5 Stars

Bottom Line:
Extra Cash Back for On Time Payments

Apply Now

Card Details

Regular APR:	17.24%* (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	0% for 18 months
Rewards Rate:	Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
Credit Needed:	(670 – 850) Excellent/Good
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 2% cash back on purchases: 1% when you buy plus 1% as you pay
To earn cash back, pay at least the minimum due on time.
0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.99% – 25.99% based on your creditworthiness.
The standard variable APR for Citi Flex Plan is 15.99% – 25.99% based on your creditworthiness.
Balance Transfers do not earn cash back.
No categories to track, no caps on cash back, no annual fee
No foreign transaction fees
Click Apply Now to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.

Is Citi Double Cash worth it?

Citi Double Cash is a great card for cardholders who will pay their balance off on time and are looking for a flat-rate unlimited cash back card. Customers earn 1% cash back on all purchases and an additional 1% cash back for making on-time payments.

Pros

1% cash back on all purchases and 1% when cardholder pays the balance on-time
Longer than average 18 month 0% Intro balance transfer period
No annual fee

Cons

No Intro bonus
Foreign transaction fee

Why 5 Stars?

Regular APR

The normal, ongoing APR of 17.24% that applies to any balance you carry is below 20%. That’s a better than average credit card interest rate, but nothing to get excited about.
4 Stars

Intro APR

There’s no intro APR on purchases, so don’t get this card to buy something big you can’t pay off. But on the other hand, the balance transfer intro APR is 0% for 18 months. That’s about as good as it gets.
5 Stars

Fees

There’s no annual fee and no foreign transaction fee, which is always good news. But the cash advance fee is higher than average at 5%, plus there is an up to 29.99% penalty APR that kicks in if you miss a payment by paying late or having your payment returned. There are a lot of cards that don’t have a penalty APR at all.
4 Stars

Perks

Unlimited 2% cash back – 1% when you make a purchase and 1% when you pay the bill – is as high as it gets. Sure, you can get higher cash back in revolving categories that you have to keep track of, but Citi Double Cash doesn’t make you jump through any hoops to get your cash.
5 Stars

Overall

Get this card for the cash back or for the balance transfer option. Yeah the APR isn’t amazing and the fees have some gotchas, but if you can pay off your balance on time and avoid cash advances, you’ll be fine.
5 Stars

Fees

Foreign Transaction Fee	0%
Balance Transfer Fee	3% of the balance transfer amount or $5, whichever is greater
Cash Advance Fee	5% of the transaction amount or $10, whichever is greater
Penalty APR	Up to 29.99% APR

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Concierge Service

Extended Warranty Program

Travel Accident Insurance

Purchase Protection

Get Started with Citi Double Cash

Editorial Note: This content is not provided by Citi. 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 Citi.

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