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Citi / AAdvantage Platinum Select World Elite Mastercard Review

Citi-AAdvantage-Platinum-Select-World-Mastercard

Rating: 4 Stars

Bottom Line:
For American Airlines Travelers

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

Card Details

Regular APR:17.49% to 25.49% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:Earn 2 AAdvantage miles per dollar on American Airlines purchases

Earn 2 AAdvantage miles for each $1 spent on purchases at restaurants (including cafes, bars, lounges, and fast food restaurants) and at gas stations

Earn 1 AAdvantage mile on all other purchases
Credit Needed:(670 – 850) Excellent/Good
Annual Fee:$0 in first year, $99 after first year
Card Brand:Mastercard

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

Offer Highlights

  • Click APPLY NOW to apply online
  • Earn 50,000 American Airlines AAdvantage bonus miles after $2,500 in purchases in the first 3 months of account opening
  • American Airlines AAdvantage bonus miles are not available if you have received a new account bonus for a Citi / AAdvantage Platinum Select account in the past 48 months.
  • Earn AAdvantage miles on purchases
  • Experience truly rewarding travel
  • Travel with ease and enjoy global acceptance with your Citi chip credit card

Is Citi / AAdvantage Platinum Select World Elite Mastercard worth it?

CitiBusiness / AAdvantage Platinum Select World Elite Mastercard is a great card for travelers who fly American Airlines.

Pros

  • Intro bonus of 50,000 American Airlines AAdvantage bonus miles after $2,500 spent in first 90 days of account opening
  • Solid rewards rate on American Airlines travel and business purchases – earn 2 AAdvantage miles per dollar spent on eligible American Airlines purchases, restaurants and gas stations
  • No foreign transaction fee

Cons

  • $99 fee after first year
  • Travel perks are specific to American Airlines

Why 4 Stars?

Regular APR


4 Stars

Intro APR


5 Stars

Fees


4 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer FeeEither $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APRUp to 29.99% (Variable)

Benefits

$0 Fraud Liability
Concierge Service
Get Started with Citi / AAdvantage Platinum Select World Elite 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.

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Best American Airlines Credit Cards, Best Citi Credit Cards, Best Credit Cards For Good Credit, Best Credit Cards For Restaurants, Best Credit Cards To Book Flights, Best Gas Credit Cards, Best Mastercard Credit Cards, Best No Foreign Transaction Fee Credit Cards, Best OneWorld Alliance Credit Cards, Best Travel Credit Cards

Wells Fargo Propel American Express Review

Wells Fargo Propel American Express Review

Rating: 5 Stars

Bottom Line:
Rewards on Monthly Expenses

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

Card Details

Regular APR:15.99% – 27.99% (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 eating and out and ordering in, travel including flights, hotels, homestays and car rentals, and on gas stations, rideshares, transit and popular streaming services

1X points on other purchases
Credit Needed:(670 – 850) Excellent/Good
Annual Fee:$0
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 30,000 bonus points when you spend $3,000 in purchases in the first 3 months ? that?s a $300 cash redemption value
  • $0 annual fee and no foreign currency conversion fee
  • Earn 3X points on eating out and ordering in
  • Earn 3X points on travel including flights, hotels, homestays and car rentals
  • Earn 3X points on gas stations, rideshares and transit
  • Earn 3X points on popular streaming services
  • Earn 1X points on other purchases

Is Wells Fargo Propel American Express worth it?

Wells Fargo Propel American Express is a competitive rewards card with 3X rewards in a number of popular spending categories including monthly expenses like gas stations, transit, and popular streaming services. Rewards are 1X on all other purchases.

Pros

  • 3x rewards in a number of popular spending categories
  • 30,000 bonus points when you spend $3,000 in purchases in the first 90 days after account opening – that’s a $300 cash redemption value
  • No annual fee

Cons

  • 1x rewards rate on all other purchases is not a competitive rate

Why 4 Stars?

Regular APR


4 Stars

Intro APR


5 Stars

Fees


5 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer Fee3% for 120 days, then 5%
Cash Advance Fee5%
Penalty APRNone

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 Wells Fargo Propel American Express

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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Fifth Third Bank TRIO Credit Card Review

Fifth Third Bank TRIO? Credit Card

Rating: 4 Stars

Bottom Line:
Cash Back With A Capped Amount But Without An Annual Fee

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

Card Details

Regular APR:16.24% to 25.24% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):0% for 12 billing cycles on any balance transfers made in the first 60 days of account opening
Rewards Rate:3% cash back at restaurants

2% cash back on gas, grocery store and drug store purchases (on up to $1,500 in combined qualified purchases per quarter)

1% cash back on purchases after $1,500
Credit Needed:(670 – 850) Excellent/Good
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
  • 3% cash back at restaurants and 2% cash back on gas and at grocery and drug stores, up to $1,500 spend per quarter in these combined purchase categories
  • 1% unlimited cash back on all other purchases
  • Earn a new account bonus worth $100! Earn 10,000 bonus points which can be redeemed for $100 cash back, simply spend $1,000 within 90 days of opening your account
  • 0% Introductory APR on Balance Transfers for your first 12 billing cycles after the account is open, then your variable APR will be 15.99%-24.99% based on your creditworthiness
  • No international transaction fees on credit purchases
  • No Annual Fee
  • Click apply now and view the Notices & Disclosures section for Important Rates, Fees and Other Cost Information and Rewards Details

Is Fifth Third Bank TRIO Credit Card worth it?

Fifth Third Bank TRIO is a strong card for cardholders who spend a modest amount on dining, which earns 3 cash back, and on gas, grocery stores and drugstores, which earn 2% cash back, which, together with dining, earn at their respective cash back rates up to a combined spending of $1,500 per quarter across all categories.

The value of each point is $0.01, so you receive the $100 signup bonus if you spend $1000 in the first 90 days in the form of 10,000 Rewards Points, which you can take as a $100 check or as a deposit in a Fifth Third account. For small spenders looking for cash back and perhaps a balance transfer, this is a strong card.

Pros

  • $100 signup bonus after spending $1000 in first 90 days of account opening
  • 0% for 15 months on balance transfers
  • No annual fee
  • No foreign transaction fee

Cons

  • $1,500 per quarter is a low cap for many cardholders in combined gas, grocery stores, drugstores, and dining spending
  • Higher than average balance transfer fee

Why 4 Stars?

Regular APR


4 Stars

Intro APR


5 Stars

Fees


4 Stars

Perks


4 Stars

Overall


4 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer FeeEither $5 or 4% of the amount of each transfer, whichever is greater
Cash Advance FeeEither $10 or 5% of the amount of each Cash Advance, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Cellphone Protection
Concierge Service
Extended Warranty Program
Purchase Protection
Travel Assistance
Get Started with Fifth Third Bank TRIO

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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Best Balance Transfer Credit Cards, Best Credit Cards For Cell Phone Insurance, Best Credit Cards For Extended Warranties, Best Credit Cards For Good Credit, Best Credit Cards For Groceries, Best Credit Cards For Rental Car Insurance, Best Credit Cards For Restaurants, Best Fifth Third Bank Credit Cards, Best Gas Credit Cards, Best Mastercard Credit Cards, Best No Annual Fee Credit Cards, Best No Foreign Transaction Fee Credit Cards, Best Purchase Protection Credit Cards, Other

Discover it Student Cash Back Credit Card Review

Discover it? Student Cash Back

Rating: 4 Stars

Bottom Line:
High Cash Back for Students

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

Card Details

Regular APR:14.99% – 23.99% (Variable)
Intro APR (Purchases):10.99% for 6 months
Intro APR (Balance transfers):10.99% for 6 months
Rewards Rate:5% cash back in rotating categories each quarter like gas stations, grocery stores, restaurants, Amazon.com and more, up to $1,500 per quarter each time you activate

1% unlimited cash back on all other purchases. Discover has cash back match at end of first year
Credit Needed:(300-669) Bad/Fair
Annual Fee:$0
Card Brand:Discover

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

Offer Highlights

  • Click APPLY NOW to apply online
  • Intro Offer: Discover will match all the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO?
  • Credit Score, number of recent inquiries and more.
  • Freeze It? on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.99% ? 23.99%.

Is Discover it Student Cash Back Credit Card worth it?

Discover it Student Cash Back is a great card for students who want to build credit and take advantage of rotating cash back categories. For students who are more interested in ongoing rewards, this card provides 5% cash back in rotating categories and 1% unlimited cash back and Discover will match all cash back at the end of the year.

Pros

  • Build your credit
  • Higher than average cash back rewards for a student card

Cons

  • 5% cash back categories must be activated, online or by phone, to take effect

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% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)
Cash Advance Fee5% on transaction amount or $10, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability
Get Started with Discover it Student Cash Back

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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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.

Best Cash Back Credit Cards, Best Credit Cards, Best Credit Cards For Bad Credit, Best Credit Cards For Groceries, Best Credit Cards For Online Shopping, Best Credit Cards For Restaurants, Best Credit Cards To Use At Costco, Best Discover Credit Cards, Best First Credit Cards, Best No Annual Fee Credit Cards, Best No Foreign Transaction Fee Credit Cards, Best Student Credit Cards, Other

Discover it Cash Back Credit Card Review

Discover It Cash Back

Rating: 5 Stars

Bottom Line:
Rotating Cash Back and Finance Purchases

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

Card Details

Regular APR:13.99% – 24.99% (Variable)
Intro APR (Purchases):0% for 14 months
Intro APR (Balance transfers):0% for 14 months
Rewards Rate:5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate
Credit Needed:(670 – 850) Excellent/Good
Annual Fee:$0
Card Brand:Discover

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

Offer Highlights

  • Click APPLY NOW to apply online
  • Intro Offer: Discover will match all the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
  • No annual fee.

Is Discover it Cash Back Credit Card worth it?

Discover it Cash Back is a solid cash back card with the option to pay off purchases or debt at 0% for 14 months. This card has 5% cash back in popular, rotating categories up to the quarterly max. The ongoing unlimited cash back is 1%, which is an average cash back rate.

Here?s the 2020 Discover 5% cash back Calendar:

Jan – Mar 2020Grocery Stores, Walgreens, and CVS
Apr – Jun 2020Gas Stations, Uber, Lyft and Wholesale Clubs
Jul – Sep 2020Restaurants and PayPal
Oct – Dec 2020Amazon.com, Walmart.com and Target.com

Pros

  • Discover doubles all earned cash back at end of first year
  • 0% Intro APR for 14 months on purchases and balance transfers
  • No annual fee

Cons

  • Quarterly cap for 5% cash back is $1,500
  • No intro bonus

Why 5 Stars?

Regular APR


4 Stars

Intro APR


5 Stars

Fees


5 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer Fee3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)
Cash Advance Fee5% on transaction amount or $10, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability
Get Started with Discover it Cash Back

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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Best Credit Cards to Pay off Debt
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Best Cash Back Credit Cards, Best Credit Cards, Best Credit Cards For Good Credit, Best Credit Cards For Groceries, Best Credit Cards For Online Shopping, Best Credit Cards For Restaurants, Best Credit Cards To Use At Costco, Best Discover Credit Cards, Best No Annual Fee Credit Cards, Best No Foreign Transaction Fee Credit Cards

American Express Gold Card Review

American Express? Gold Card

Rating: 4 Stars

Bottom Line:
Eat Out, Buy A Lot Of Groceries, And Get Travel In Return

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

Card Details

Regular APR:If you activate Pay Over Time: 17.49% to 24.49% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:4 Membership Rewards points per dollar when you dine at restaurants worldwide

4 Membership Rewards points per dollar at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X)

3 Membership Rewards points per dollar on flights booked directly with airlines or on amextravel.com
Credit Needed:(670 – 850) Excellent/Good
Annual Fee:$250
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 35,000 Membership Rewards Points after you spend $2,000 on eligible purchases with your new Card within the first 3 months.
  • Earn 4X Membership Rewards points when you dine at restaurants worldwide. Earn 4X Membership Rewards points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards points on flights booked directly with airlines or on amextravel.com.
  • Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth?s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • You can carry a balance with interest on eligible charges of $100 or more, giving you more control over the amount you pay. When your payment is due, you can choose to pay your Account Total New Balance, the minimum due or any amount in between, with interest
  • No Foreign Transaction Fees.
  • Annual Fee is $250.

Is American Express Gold Card worth it?

American Express Gold is a great card for cardholders who spend a lot on dining out and grocery shopping. These categories earn four points per dollar (up to $25,000 per year in purchases for supermarkets, then one point per dollar).

American Express offers the following charge cards: American Express Plum Card, American Express Business Green Rewards, American Express Business Platinum and American Express Platinum, and American Express Business Gold and American Express Gold Card. Just like for the others, If you need to carry a balance with American Express Gold, you can use American Express Pay Over Time feature, which for American Express Gold uses an APR of 17.49% to 24.49% (Variable). You essentially now have a credit card, but not all charges will get carried over into the next month. You choose between the Extended Payment Option, where charges over $100 are automatically moved into your Pay Over Time balance, Select & Pay Later, where you manually choose charges over $100 to move into your Pay Over Time balance, or Sign & Travel, where airline tickets, hotel stays, car rentals, cruises and charges in other countries are moved into your Pay Over Time balance. It’s not the simplest program but whichever choice you select, you basically now have a credit card, where you can choose to pay the full balance, the minimum payment, or anything in between. This is in contrast to what would normally happen with a charge card, where you are required to pay the full balance every month, and if you don’t, you incur a late fee even if you pay an amount that would be above what would be considered the normal minimum payment if the card were a credit card. Charge cards also don’t impact your credit, because you are not extended a credit line.

Pros

  • High four points per dollar on dining and groceries
  • Higher than average three points per dollar travel rewards, redeemable on Amex Travel, which in most cases offers competitive rates with Expedia and Orbitz

Cons

  • $250 Annual fee
  • Inflexible rewards requirements: other cards offer a similar rewards rate on all travel purchases – but unlike other cards – American Express Gold will not earn rewards on bookings through third-party travel sites

Why 4 Stars?

Regular APR


4 Stars

Intro APR


4 Stars

Fees


4 Stars

Perks


5 Stars

Overall


4 Stars

Fees

Foreign Transaction Fee$0
Balance Transfer FeeNo Balance Transfers Allowed
Cash Advance FeeEither 5% of transaction amount or $10, whichever is greater
Penalty APRSee Terms

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Concierge Service
Extended Warranty Program
Travel Accident Insurance
Lost Luggage Reimbursement
Purchase Protection
Travel Assistance
Get Started with American Express Gold 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.

Best American Express Credit Cards, Best Charge Cards, Best Credit Cards For Extended Warranties, Best Credit Cards For Good Credit, Best Credit Cards For Groceries, Best Credit Cards For Rental Car Insurance, Best Credit Cards For Restaurants, Best Credit Cards For Travel Insurance, Best No Foreign Transaction Fee Credit Cards, Best Purchase Protection Credit Cards, Best Travel Credit Cards, Other

American Express Business Gold Review

American Express Business Gold Credit Card

Rating: 4 Stars

Bottom Line:
Cost-Effective Business Rewards

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

Card Details

Regular APR:If you activate Pay Over Time: 16.24% – 24.24% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:4 Membership Rewards points per dollar on the two select categories where your business spent the most each billing cycle (first $150,000 in purchases yearly)
Credit Needed:(670 – 850) Excellent/Good
Annual Fee:$295
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 up to $500 back in the form of statement credits by purchasing qualifying services with FedEx using your American Express? Business Gold Card within the first 3 months of Card membership.
  • Limited time Offer ends 11/06/2019.*
  • MORE REWARDS: Get 4X Membership Rewards points on the 2 select categories where your business spent the most each month
  • 4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.
  • AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.
  • PAY OVER TIME OPTION: A flexible payment option to help manage cash flow on purchases of $100 or more.
  • EXPENSE MANAGEMENT TOOLS: Connect to Quickbooks, access SpendManagerSM, receive a Year-End Summary, and more.

Is American Express Business Gold worth it?

American Express Business Gold is a great card for small businesses with significant travel, shipping, gas, restaurant, advertising, and computer purchases made directly from select providers. These expenses earn 4x points on the American Express Gold Business Card. The $295 annual fee will be worth it for businesses that spend and use the rewards.

If you need to carry a balance, you can use American Express Pay Over Time feature at an APR of 19.74%. You essentially now have a credit card, but not all charges will get carried over into the next month. You choose between the Extended Payment Option, where charges over $100 are automatically moved into your Pay Over Time balance, Select & Pay Later, where you manually choose charges over $100 to move into your Pay Over Time balance, or Sign & Travel, where airline tickets, hotel stays, car rentals, cruises and charges in other countries are moved into your Pay Over Time balance. It’s not the simplest program but whichever choice you select, you basically now have a credit card, where you can choose to pay the full balance, the minimum payment, or anything in between. This is in contrast to what would normally happen with a charge card, where you are required to pay the full balance every month, and if you don’t, you incur a late fee even if you pay an amount that would be above what would be considered the normal minimum payment if the card were a credit card. Charge cards also don’t impact your credit, because you are not extended a credit line.

Pros

  • 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year – Amex Travel offers rates comparable to major travel sites
  • 4x points for a number of business expense categories

Cons

  • $295 Annual fee
  • No Intro APR to fund business purchases

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 FeeN/A
Cash Advance FeeN/A
Penalty APRUp to 29.99%

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Concierge Service
Extended Warranty Program
Travel Accident Insurance
Lost Luggage Reimbursement
Purchase Protection
Travel Assistance
Get Started with American Express Business Gold

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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Citi Costco Anywhere Review

Citi Costco Anywhere Credit Card

Rating: 4 Stars

Bottom Line:
For People Who Spend A Lot At Costco

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

Card Details

Regular APR:
17.24% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:4% back on eligible gas for the first $7,000 per year and then 1% thereafter

3% on restaurants & travel

2% at Costco & Costco.com

1% on all other purchases
Credit Needed:(670 – 850) Excellent/Good
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
  • Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No annual fee with your paid Costco membership
  • No matter where life takes you, experience no foreign transaction fees on purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico

Is Citi Costco Anywhere Credit Card worth it?

Citi Costco Anywhere Visa is a great card for Costco shoppers who spend a lot on restaurants, travel, and especially gas. The annual fee starts at $60 for a Costco membership.

The rewards rate high. The unlimited 3% cash back on restaurants and eligible travel purchases is especially attractive, but the challenge is that the cash is returned to you once a year and is only redeemable at Costco. In other words, it’s not really cash back, but a Costco certificate.

Pros

  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter – that’s $280 if you spend $7,000
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com – great for frequent Costco shoppers

Cons

  • Must be Costco member
  • No travel perks, just cash back on eligible travel purchases – airfare, hotels, car rentals, travel agencies, cruise lines and Costco Travel
  • Cash back is provided as an annual credit card reward certificate once your February billing statement closes, and is redeemable for cash or merchandise at U.S. Costco Warehouses

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 balance transfer amount or $5, whichever is greater
Cash Advance Fee5% of the transaction amount or $10, whichever is greater
Penalty APRUp to 29.99% (Variable)

Benefits

$0 Fraud Liability

Get Started with Citi Costco Anywhere 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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Chase Sapphire Reserve Card Review

Chase Sapphire Reserve Credit Card

Rating: 4 Stars

Bottom Line:
Significant Travel Rewards For A Significant Fee

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

Card Details

Regular APR:18.99% – 25.99% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:3 points per dollar immediately after earning your $300 travel credit

3 points per dollar on dining at restaurants

1 point per dollar spent on all other purchases
Credit Needed:(740-850) Excellent
Annual Fee:$450
Card Brand:Visa

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

Offer Highlights

  • Click APPLY NOW to apply online
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That?s $750 toward travel when you redeem through Chase Ultimate Rewards
  • Named ‘Best Premium Travel Credit Card’ for 2018 by MONEY Magazine
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases.
  • $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass Select
  • Up to $100 application fee credit for Global Entry or TSA Pre

Is Chase Sapphire Reserve Card worth it?

Sapphire Reserve from Chase is a great card with a generous rewards program that more than pays for the annual fee in most cases. It is especially valuable for travelers. Cardholders receive points on all purchases and get an extra 50% in points rewards when redeemed for travel through Chase Ultimate Rewards.

Pros

  • 50,000 one-time bonus points offer after you spend $4,000 on purchases within 3 months of account opening
  • $300 annual travel credit
  • 3 points per dollar on travel and dining purchases
  • No foreign transaction fees and no penalty APR

Cons

  • $450 annual fee

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 Fee5% of the amount of each transfer or $5, whichever is greater
Cash Advance Fee5% of the amount of each transaction or $10, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Concierge Service
Extended Warranty Program
Travel Accident Insurance
Purchase Protection
Roadside Assistance
Travel Assistance
Get Started with Chase Sapphire Reserve Card 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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Chase Sapphire Preferred Card Review

Rating: 5 Stars

Bottom Line:
Rewards Program Bonus for Travelers

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

Card Details

Regular APR:18.24% – 25.24% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:2X points on travel and dining

1 point on all other purchases
Credit Needed:(670 – 850) Excellent/Good
Annual Fee:$95
Card Brand:Visa?

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

Offer Highlights

  • Click APPLY NOW to apply online
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel

Is Chase Sapphire Preferred Card worth it?

Sapphire Preferred from Chase is a strong card with a generous rewards program, especially for travelers. Cardholders receive points on all purchases and get an extra 25% in points rewards when redeemed for travel through Chase Ultimate Rewards.

Pros

  • 60,000 one-time bonus points offer after you spend $4,000 on purchases within 3 months of account opening which is $750 in travel when redeemed through Chase Ultimate Rewards
  • No foreign transaction fees and no penalty APR

Cons

  • $95 Annual Fee

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 Fee5% of the amount of each transfer or $5, whichever is greater
Cash Advance Fee5% of the amount of each transaction or $10, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Concierge Service
Extended Warranty Program
Travel Accident Insurance
Lost Luggage Reimbursement
Purchase Protection
Roadside Assistance
Travel Assistance
Get Started with Chase Sapphire Preferred 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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Chase Ink Business Cash Credit Card Review

Chase Ink Business Cash? Credit Card

Rating: 5 Stars

Bottom Line:
Starter Business Cash Back Card

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

Card Details

Regular APR:15.24% – 21.24% (Variable)
Intro APR (Purchases):0% for 12 months
Intro APR (Balance transfers):0% for 12 months
Rewards Rate:5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year

2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year

1% unlimited cash back on all other card 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
  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No Annual Fee

Is Chase Ink Business Cash Credit Card worth it?

Ink Business Cash from Chase is a great card for small business owners whose expenses are at least $25,000 and who spend a lot on office supplies and phone, internet, or cable TV service. These categories receive 5% cash back on the first $25,000 spent.

Pros

  • Intro bonus of $500 after you spend $3,000 on purchases in first 90 days from account opening
  • Free employee cards
  • No foreign transaction fees
  • No annual fee
  • Rewards redemption value increases when you combine rewards with any of several annual fee Chase cards

Cons

  • 5% and 2% cash back rates are capped at $25,000 in combined purchases
  • 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 Fee3%
Balance Transfer Fee5% on transaction amount or $5, whichever is greater
Cash Advance Fee5% on transaction amount or $5, 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 Chase Ink Business Cash 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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Chase Freedom Unlimited Review

Rating: 5 Stars

Bottom Line:
Earn Cash Back And Pay Off Purchases and Debt

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

Card Details

Regular APR:17.24% – 25.99% (Variable)
Intro APR (Purchases):0% for 15 months
Intro APR (Balance transfers):0% for 15 billing cycles for any balance transfers made in the first 60 days
Rewards Rate:3% cash back offer on up to $20,000 in purchases in the first 12 months

Unlimited ongoing 1.5% cash back
Credit Needed:(670 – 850) Excellent/Good
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
  • New Offer! Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey
  • No annual fee

Is Chase Freedom Unlimited Credit Card worth it?

Chase Freedom Unlimited is a simple cash back card with a nice 3% double cash back intro offer. It is a good option for someone looking to get cash back in all categories and optionally complete a balance transfer with 0% interest for 15 months on balance transfers and purchases.

Pros

  • Simple unlimited 1.5% cash back in all categories
  • Double cash back intro offer up to $20,000 in purchases
  • 0% for 15 months on purchases and balance transfers
  • Can transfer points to other Chase-branded rewards cards with Chase Ultimate Rewards

Cons

  • Foreign transaction fee
  • Below average ongoing cash back rate

Why 5 Stars?

Regular APR


4 Stars

Intro APR


5 Stars

Fees


4 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction Fee3%
Balance Transfer FeeEither $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance FeeEither $10 or 5% of the amount of each transaction, 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 Chase Freedom Unlimited

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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Capital One Savor Cash Rewards Credit Card Review

Capital One Savor Cash Rewards Credit Cards

Rating: 5 Stars

Bottom Line:
High Cash Back On Dining And Entertainment

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

Card Details

Regular APR:16.74% – 25.74% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:4% unlimited cash back on dining and entertainment

2% at grocery stores

1% on all other purchases
Credit Needed:(670 – 850) Good/Excellent
Annual Fee:$0 intro for first year; $95 after that
Card Brand:Mastercard?

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

Offer Highlights

  • Click APPLY NOW to apply online
  • Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
  • Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
  • Receive a monthly statement credit for a Postmates Unlimited monthly membership through Dec. 2019 with the Capital One Savor Card
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won?t expire for the life of the account and there’s no limit to how much you can earn
  • No foreign transaction fees
  • Capital One cardholders get access to premium experiences in dining, entertainment and more
  • $0 intro annual fee for the first year, $95 after that

Is Capital One Savor Cash Rewards Credit Card worth it?

Savor Cash Rewards from Capital One is a great card for people who spend a lot on going out for dining and for entertainment.

Pros

  • 4x rewards on dining and entertainment
  • $300 cash bonus when you spend $3,000 in purchases in the first 90 days after account opening

Cons

  • No travel rewards

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
Concierge Service
Extended Warranty Program
Travel Accident Insurance
Purchase Protection
Travel Assistance
Get Started with Capital One Savor 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.

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Discover it Balance Transfer Review

Discover It Balance Transfer Credit Card

Rating: 5 Stars

Bottom Line:
Rotating Cash Back and Pay Off Debt

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

Card Details

Regular APR:14.24% – 25.24% (Variable)
Intro APR (Purchases):0% for 6 months
Intro APR (Balance transfers):0% for 18 months
Rewards Rate:5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate

1% unlimited cash back on all other purchases automatically
Credit Needed:(670 – 850) Good/Excellent
Annual Fee:$0
Card Brand:Discover

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

Offer Highlights

  • Click APPLY NOW to apply online
  • Intro Offer: Discover will match all the cash back you’ve earned at the end of your first year, automatically. There?s no signing up. And no limit to how much is matched.
  • arn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO Credit Score, number of recent inquiries and more.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.

Is Discover it Balance Transfer worth it?

Discover it Balance Transfer is a strong balance transfer card with a 0% balance transfer intro APR offer for 18 months. With the cash back match, 5% cash back in activated categories, and ongoing 1% cash back, this is a strong rewards card too.

Discover it? Balance Transfer has a shorter 0% Intro APR period on purchases, 6 months, and a longer 0% period on balance transfers, 18 months, versus Discover It Cash Back, which has 14 months of no interest on both purchases and balance transfers. The cards are otherwise the same, so the only decision to make is whether financing or paying off debt is more important to you. You can’t go wrong with either one when it comes to cash back as they earn the same amount and have the same calendar of cash back categories.

Here’s the 2020 Discover 5% cash back Calendar:

Jan – Mar 2020Grocery Stores, Walgreens, and CVS
Apr – Jun 2020Gas Stations, Uber, Lyft and Wholesale Clubs
Jul – Sep 2020Restaurants and PayPal
Oct – Dec 2020Amazon.com, Walmart.com and Target.com

Pros

  • 0% Intro APR on balance transfers for 18 months
  • No annual fee
  • Cash back match – Discover will match the cash back you earn the first year

Cons

  • 3% balance transfer fee
  • 5% cash back requires activating categories

Why 5 Stars?

Regular APR


4 Stars

Intro APR


5 Stars

Fees


5 Stars

Perks


4 Stars

Overall


5 Stars. ?????

Fees

Foreign Transaction FeeNone
Balance Transfer Fee3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)
Cash Advance Fee5% of the amount of each transaction or $10, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability

Get Started with Discover it Balance Transfer

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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United MileagePlus Explorer Card Review

United-MileagePlus-Explorer-Card

Rating: 4 Stars

Bottom Line:
Bonus for Travelers Who Fly United From Time to Time

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

Card Details

Regular APR:18.24 – 25.24% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:2 miles per $1 spent at restaurants, hotel accommodations when purchased directly with the hotel, and purchases from United
Credit Needed:(740 – 850) Excellent
Annual Fee:None, then $95
Card Brand:Visa

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

Offer Highlights

  • Click APPLY NOW to apply online
  • Earn 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening
  • 2 miles per $1 spent at restaurants
  • 2 miles per $1 spent on hotel accommodations when purchased directly with the hotel
  • 2 miles per $1 spent on purchases from United, including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges
  • 1 mile per $1 spent on all other purchases
  • Up to $100 as a statement credit for Global Entry or TSA Precheck every 4 years as reimbursement for the application fee for either program when charged to your card
  • The primary cardmember and one companion traveling on the same reservation will each receive their first standard checked bag free

Is United MileagePlus Explorer Card worth it?

United MileagePlus Explorer is a great card for travelers who fly United from time to time. The annual fee is waived the first year, then it?s $95.

Cardholders earn 2 miles per $1 spent at restaurants, hotel accommodations when purchased directly with the hotel, and purchases from United. United Miles are worth about one to one and a half cents depending on if you redeem for the cheaper Saver fare or for the Everyday fare, which has more availability, so the 40,000 mile signup bonus is worth $400 ? $600 in United airfare.

Cardholders also receive $100 as a statement credit for Global Entry or TSA Precheck? every 4 years as reimbursement for the application fee for either program when charged to your card.

Although the perks are not close to United MileagePlus Club, a premium $450 annual fee card, Cardholders receive 2 one-time United Club passes, a free first checked bag, and get priority boarding, which means they will board in Group 2, after members who have Premier status. Note that you will need to provide a same-day boarding pass to use your United Club pass.

There are very similar co-branded cards: Gold Delta SkyMiles Credit Card from American Express earns 2 miles on every purchase you make with Delta, American Airlines AAdvantage MileUp earns 2 AAdvantage miles on every purchases at grocery stores, including grocery delivery services, and 2 AAdvantage miles with American Airlines, and Barclays AAdvantage Aviator Red World Elite Mastercard earns 2X miles for every one dollar spent on eligible American Airlines purchases.

If you anticipate flying United from time to time, United MileagePlus Explorer is a great card for you.

Pros

  • Earn 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months
  • 2 miles per $1 spent at restaurants, hotel accommodations when purchased directly with the hotel, and purchases from United
  • Annual fee waived in first year
  • Priority boarding
  • Up to $100 as a statement credit for Global Entry or TSA Precheck every 4 years

Cons

  • $95 annual fee starting in second year

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 FeeEither $5 or 5% of the amount of each transfer, whichever is greater
Cash Advance FeeEither $10 or 5% of the amount of each transaction, whichever is greater
Penalty APRNone

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 United MileagePlus Explorer 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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