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Best Credit Cards To Use At Costco

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.

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 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.

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.

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.

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 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.

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.

World Wildlife Fund Credit Card Review

World Wildlife Fund Credit Card

Rating: 5 Stars

Bottom Line:
Support World Wildlife Fund and Earn Cash Back

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

Card Details

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

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

Offer Highlights

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

Is World Wildlife Fund Credit Card worth it?

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

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

Pros

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

Cons

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

Why 5 Stars?

Regular APR


4 Stars

Intro APR


5 Stars

Fees


4 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction Fee3%
Balance Transfer FeeEither $10 or 3% of the amount of each transaction, whichever is greater.
Cash Advance FeeSee Terms (has exception)
Penalty APRUp to 29.99%

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Extended Warranty Program
Lost Luggage Reimbursement
Purchase Protection
Roadside Assistance
Travel Accident Insurance
Travel Assistance
Get Started with World Wildlife Fund Credit Card

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.

U.S. Pride Credit Card Review

U.S.-Pride-Credit-Card

Rating: 5 Stars

Bottom Line:
Cash Rewards for Americans

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

Card Details

Regular APR:15.74 – 25.74% (Variable)
Intro APR (Purchases):0% for 15 billing cycle
Intro APR (Balance transfers):0% for 15 billing cycle for transfers in first 60 days
Rewards Rate:3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings

2% cash back at grocery stores and wholesale clubs and 1% cash back on all other purchases
Credit Needed:(670 – 850) Good/Excellent
Annual Fee:None
Card Brand:Visa

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

Offer Highlights

  • Click APPLY NOW to apply online
  • 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings
  • 2% cash back at grocery stores and wholesale clubs
  • 1% cash back on all other purchases
  • You?ll earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%
  • Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
  • Preferred Rewards members earn 25%-75% more cash back on every purchase

Is U.S. Pride Credit Card worth it?

U.S. Pride Credit Card is a great card for people who want cash back in categories they choose. Cardholders earn 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings and 2% cash back at grocery stores and wholesale clubs.

For no annual fee, this is a great card. U.S. Pride Credit Card does not include any special U.S. features aside from its card art. This card is basically Bank of America Cash Rewards.

Pros

  • 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings
  • 2% cash back at grocery stores and wholesale clubs
  • No annual fee

Cons

  • You?ll earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter: 3% and 2% rewards are capped

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 FeeEither $10 or 3% of the amount of each transaction, whichever is greater
Cash Advance FeeSee Terms (has exception)
Penalty APRUp to 29.99%

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Extended Warranty Program
Lost Luggage Reimbursement
Purchase Protection
Roadside Assistance
Travel Accident Insurance
Travel Assistance
Get Started with U.S. Pride 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.

MLB Mastercard Review

MLB-Mastercard-1

Rating: 5 Stars

Bottom Line:
Build Credit and Increase your Credit Limit

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

Card Details

Regular APR:15.74 – 25.74 (Variable)
Intro APR (Purchases):0% for 15 biling cycles
Intro APR (Balance transfers):0% for 15 biling cycles for transfers in first 60 days
Rewards Rate:Earn 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement / furnishings and 2% cash back at grocery stores and wholesale clubs on the first $2,500 in combined choice category / grocery store / wholesale club purchases each quarter, then earn 1%

Earn unlimited 1% cash back on all other purchases
Credit Needed:(670 – 850) Good/Excellent
Annual Fee:None
Card Brand:Mastercard

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

Offer Highlights

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

Is MLB Mastercard worth it?

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

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

Pros

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

Cons

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

Why 5 Stars?

Regular APR


4 Stars

Intro APR


5 Stars

Fees


4 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction Fee3%
Balance Transfer FeeEither $10 or 3% of the amount of each transaction, whichever is greater
Cash Advance FeeSee Terms (has exception)
Penalty APR29.99%

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Extended Warranty Program
Lost Luggage Reimbursement
Purchase Protection
Roadside Assistance
Travel Accident Insurance
Travel Assistance
Get Started with MLB Mastercard

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.

Bank of America Cash Rewards Credit Card for Students Review

Bank-of-America-Cash-Rewards-Credit-Card-for-Students

Rating: 5 Stars

Bottom Line:
Cash Back In Categories That Are Common Expenditures For Students

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

Card Details

Regular APR:15.74% – 25.74% (Variable)
Intro APR (Purchases):0% for 15 billing cycles
Intro APR (Balance transfers):0% for 15 billing cycles on any balance transfers made in the first 60 days of account opening
Rewards Rate:3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings

2% cash back at grocery stores and wholesale clubs

Up to $2,500 in combined 3% category and 2% grocery store/wholesale club quarterly purchases

1% cash back on all other purchases
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
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back on gas or your choice of one of five other popular categories, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.99% ? 25.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you?re a Preferred Rewards member, you can earn 25% ? 75% more cash back on every purchase

Is Bank of America Cash Rewards Credit Card for Students worth it?

Bank of America Cash Rewards for Students is an excellent card for students who want rewards. This card is identical to the Bank of America Cash Rewards card, which is a great cash back card. Purchases on gas, online shopping, dining, travel, drug stores or home improvements and furnishings earn 3% cash back and are selected by the cardholder monthly.

Pros

  • $200 signup bonus after spending $1000 in first 90 days of account opening
  • Build your credit
  • 0% for 15 months on purchases and balance transfers
  • No annual fee

Cons

  • 3% and 2% rewards rate is capped at $2,500 in combined purchases per quarter

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 Fee3% of the amount of each transfer or $10, whichever is greater
Cash Advance FeeSee Terms
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
Roadside Assistance
Travel Assistance
Get Started with Bank of America Cash Rewards Credit Card for Students

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.

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