Best Credit Cards

Capital One Venture Rewards Review

Rating: 5 Stars

Bottom Line:
Miles for Travel, Transit, and Hotels

Card Details

Regular APR:	17.99% ? 25.24% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	2 Miles per dollar on all purchases
Credit Needed:	(670 – 850) Excellent/Good
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
Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture
Named ‘The Best Travel Card’ by CNBC, 2018
Receive up to $100 application fee credit for Global Entry or TSA Pre
Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
Miles won’t expire for the life of the account and there’s no limit to how many you can earn
No foreign transaction fees
$0 intro annual fee for the first year; $95 after that

Is Capital One Venture Rewards worth it?

Venture Rewards from Capital One is a great travel rewards card with flexible miles and a bonus offer of 50,000 miles after you spend $3,000 within 90 days of account opening. The miles can be applied to airlines, hotels, and car rentals too.

Pros

50,000 bonus miles after you spend $3,000 within 90 days of account opening, equal to $500 in travel
No foreign transaction fees

Cons

Annual fee starting after first year

Why 5 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

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

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Concierge Service

Emergency Card Replacement

Emergency Cash Disbursement

Extended Warranty Program

Travel Accident Insurance

Lost Luggage Reimbursement

Price Protection

Purchase Protection

Travel and Emergency Assistance

Travel Accident Insurance

Get Started with Capital One Venture Rewards

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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Wells Fargo Propel American Express Review

Rating: 5 Stars

Bottom Line:
Rewards on Monthly Expenses

Apply Now

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 Fee	None
Balance Transfer Fee	3% for 120 days, then 5%
Cash Advance Fee	5%
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Get Started with Wells Fargo Propel American Express

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Discover it Student Cash Back Credit Card Review

Rating: 4 Stars

Bottom Line:
High Cash Back for Students

Apply Now

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 Fee	None
Balance Transfer Fee	3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)
Cash Advance Fee	5% on transaction amount or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with Discover it Student Cash Back

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Discover it Cash Back Credit Card Review

Rating: 5 Stars

Bottom Line:
Rotating Cash Back and Finance Purchases

Apply Now

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 2020	Grocery Stores, Walgreens, and CVS
Apr – Jun 2020	Gas Stations, Uber, Lyft and Wholesale Clubs
Jul – Sep 2020	Restaurants and PayPal
Oct – Dec 2020	Amazon.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 Fee	None
Balance Transfer Fee	3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)
Cash Advance Fee	5% on transaction amount or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with Discover it Cash Back

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American Express Platinum Card Review

The Platinum? Card from American Express Credit Card

Rating: 4 Stars

Bottom Line:
Perks For Frequent Travelers

Apply Now

Card Details

Regular APR:	Not Stated In Terms and Conditions
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	5 Membership Rewards points per dollar on flights booked directly with airlines or with American Express Travel 5 Membership Rewards points per dollar on prepaid hotels booked on amextravel.com
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$550
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 60,000 Membership Rewards points after you use your new Card to make $5,000 in purchases in your first 3 months.
Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
5X Membership Rewards points on flights booked directly with airlines or with American Express Travel.
5X Membership Rewards points on prepaid hotels booked on amextravel.com.
Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world. Receive access to The Centurion Lounge and The International American Express lounges, as well as our partner networks, Delta Sky Club and Priority Pass Select lounges.
Receive either a $100 statement credit for Global Entry or an $85 credit for TSA Pre
Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
$200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card. Enrollment required.
$550 annual fee.
Terms Apply.

Is American Express Platinum Card worth it?

American Express Platinum is a great card for frequent travelers. Travel booked with airlines or through Amex Travel and prepaid hotels booked through Amex Travel earn five points per dollar.

Another major benefit is access to partner lounges through Delta Sky Club and Priority Pass Select. The Centurion Lounges can be on the small side and there are a limited number of International American Express lounges, so the real value is Delta Sky Club and Priority Pass Select membership.

Pros

Intro bonus of 60,000 Membership Rewards points after you use your new Card to make $5,000 in purchases in your first 3 months.
Priority Pass Select membership offered at no additional cost – lets you visit over 1,000 airport lounges worldwide, including luxurious Centurion Lounges. Unlimited Priority Pass would cost $429.

Cons

Inflexible rewards requirement: American Express? Platinum 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 Fee	N/A
Cash Advance Fee	Either 5% of transaction amount or $10, whichever is greater
Penalty APR	N/A

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 Platinum Card

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Citi Simplicity Card Review

Citi Simplicity - No Late Fees Ever Credit Card

Rating: 5 Stars

Bottom Line:
Pay Off Debt Over Time

Apply Now

Card Details

Regular APR:	16.24% – 26.24% (Variable)
Intro APR (Purchases):	0% for 12 months
Intro APR (Balance transfers):	0% for 21 months
Rewards Rate:	None
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 Late Fees, No Penalty Rate, and No Annual Fee Ever
0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% – 26.24%, based on your creditworthiness
0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% – 26.24%, based on your creditworthiness
If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
Save time when you call with fast, personal help, 24 hours a day – just say “representative”
Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

Is Citi Simplicity Card worth it?

Citi Simplicity Card is an excellent card for paying off debt with 0% Intro APR for 21 months on balance transfers. This card has no rewards.

Pros

0% Intro APR for 21 months on balance transfers
No late fees
No annual fee

Cons

No rewards
Higher than average balance transfer fee

Why 4 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	5% on transaction amount or $5, whichever is greater.
Cash Advance Fee	5% on transaction amount or $10, whichever is greater.
Penalty APR	None

Benefits

$0 Fraud Liability

Extended Warranty Program

Get Started with Citi Simplicity Card

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Chase Sapphire Reserve Card Review

Rating: 4 Stars

Bottom Line:
Significant Travel Rewards For A Significant Fee

Apply Now

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

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

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Chase Sapphire Preferred Card Review

Rating: 5 Stars

Bottom Line:
Rewards Program Bonus for Travelers

Apply Now

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

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

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Chase Ink Business Unlimited Credit Card Review

Rating: 5 Stars

Bottom Line:
Growing Business Card

Apply Now

Card Details

Regular APR:	15.24% – 21.24% (Variable)
Intro APR (Purchases):	0% for 12 months
Intro APR (Balance transfers):	None
Rewards Rate:	Unlimited 1.5% cash back on every business purchase
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 unlimited 1.5% cash back on every purchase made for your business
0% introductory APR for 12 months on purchases
Employee cards at no additional cost
No Annual Fee

Is Chase Ink Business Unlimited Credit Card worth it?

Ink Business Unlimited from Chase is a simple business cash back card. With unlimited 1.5% cash back, no annual fee, a 12 month intro period on purchases, and free employee cards this may be a good card for someone growing a business.

Pros

No annual fee
Free employee cards
Rewards redemption value increases when you combine rewards with any of several annual fee Chase cards

Cons

Foreign transaction fee

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	5% on transaction amount or $5, whichever is greater
Cash Advance Fee	5% on transaction amount or $15, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Purchase Protection

Roadside Assistance

Travel Assistance

Get Started with Chase Ink Business Unlimited Credit Card

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Capital One Spark Cash for Business Review

Capital One? Spark? Cash for Business Credit Card

Rating: 5 Stars

Bottom Line:
Simple High Cash Back For Business Owners

Apply Now

Card Details

Regular APR:	18.74% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	2% Cash Back for your business on every purchase, everywhere
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0 intro for the first year, $95 after that
Card Brand:	Visa

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

Offer Highlights

Click APPLY NOW to apply online
Earning unlimited 2% cash back could mean thousands of dollars each year going back into your business. Redeem at any time with no minimums.
Plus, a one-time $500 cash bonus once you spend $5,000 on purchases within 3 months from account opening and earn $1,500 when you spend $50,000 in the first 6 months of your account opening
Rewards won?t expire for the life of the account, and you can redeem your cash back for any amount
Get employee cards at no additional cost, and earn rewards from their business spend

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

Capital One Spark Cash for Business is a great cash back card for businesses looking to earn 2% cash back on every purchase.

Pros

$500 cash bonus after spending $5,000 in first 90 days of account opening
Free employee cards
No foreign transaction fee
$0 annual fee to start and reasonable $95 annual fee after first year
Visa Signature Cards

Cons

No Intro purchase APR for business expenses

Why 5 Stars?

Regular APR

5 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	None
Cash Advance Fee	3% of transaction amount or $10, whichever is greater
Penalty APR	31.15%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Concierge Service

Emergency Card Replacement

Emergency Cash Disbursement

Extended Warranty Program

Travel Accident Insurance

Lost Luggage Reimbursement

Price Protection

Purchase Protection

Travel and Emergency Assistance

Travel Accident Insurance

Get Started with Capital One Spark Cash for Business

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Capital One Secured Mastercard Review

Rating: 4 Stars

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

Apply Now

Card Details

Regular APR:	26.99% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	None
Credit Needed:	(580-669) Average/Fair
Annual Fee:	$0
Card Brand:	Mastercard

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

Offer Highlights

Click APPLY NOW to apply online
No annual fee, and all the credit building benefits with responsible card use
Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
You will get an initial $200 credit line after making a security deposit of $49, $99, or $200
Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
Easily manage your account 24/7 with online access, by phone or using our mobile app
It’s a credit card accepted at millions of locations worldwide
Help strengthen your credit for the future with responsible card use

Is Capital One Secured Mastercard Credit Card worth it?

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

Pros

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

Cons

Higher than average APR

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	$0
Balance Transfer Fee	$0
Cash Advance Fee	3% of transaction amount or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Travel Accident Insurance

Travel Assistance

Get Started with Capital One Secured Mastercard

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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 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 2020	Grocery Stores, Walgreens, and CVS
Apr – Jun 2020	Gas Stations, Uber, Lyft and Wholesale Clubs
Jul – Sep 2020	Restaurants and PayPal
Oct – Dec 2020	Amazon.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 Fee	None
Balance Transfer Fee	3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)
Cash Advance Fee	5% of the amount of each transaction or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with Discover it Balance Transfer

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Amex EveryDay Credit Card Review

Rating: 5 Stars

Bottom Line:
Pay Off Debt with No Fee

Apply Now

Card Details

Regular APR:	14.49% – 25.49% (Variable)
Intro APR (Purchases):	0% for 15 months
Intro APR (Balance transfers):	0% for 15 months on transfers in first 60 days
Rewards Rate:	2x points at US supermarkets on up to $6,000 per year in purchases 1X Membership Rewards point for every eligible dollar you spend
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None
Card Brand:	American Express

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

Offer Highlights

Click APPLY NOW to apply online
Earn 10,000 Membership Rewards Points after you use your new Card to make $1,000 in purchases in your first 3 months
Use your Card 20 or more times on purchases in a billing period and earn 20% extra points on those purchases less returns and credits
2x points at US supermarkets on up to $6,000 per year in purchases
Earn 1X Membership Rewards point for every eligible dollar you spend
0% intro APR on purchases for 15 months
0% Intro APR on balance transfers for 15 months for transfers in first 60 days

Is Amex EveryDay Credit Card worth it?

Amex EveryDay is an excellent card for paying off debt, because it has 0% Intro APR on balance transfers for 15 months with no balance transfer fee. No balance transfer fee is very attractive, and rare. Note that there have been reports from consumers that the credit limit granted is low, typically $5000 or $1000. This is important, because that will be the maximum amount you could transfer onto this card.

On top of transferring all or even just part of your credit card debt, Amex EveryDay is also a solid rewards card for people who use a credit card to buy groceries. Cardholders earn 2x points at US supermarkets on up to $6,000 per year in purchases. If you hit the $6,000 limit in grocery purchases, you will have earned 12,000 points, worth about $120. $120 from maxing out the high rewards category is not great, but earning 2X rewards on top of no balance transfer fee is virtually unheard of.

You do earn 20% extra Membership Rewards points if you use your card 20 times in a billing period, which is a nice perk. Another nice benefit with Amex EveryDay is that the points transfer at a 1:1 ratio to most American Express Membership Rewards partner airlines, including Air France, British Airways, Cathay Pacific, Delta, Etihad Airways, and more than 5 more. Not every rewards program grants a 1:1 ratio on so many travel partners, but Amex Membership Rewards and Chase Ultimate Rewards do.

Cardholders also get a nice hotel perk through the Amex Fine Hotels & Resorts (FHR) program, in which you can book Hyatt reservations for significantly more than one cent per point. American Express has a lowest hotel rates guarantee for amextravel.com hotels.

This means if you book a qualifying hotel rate on amextravel.com and pay for it, and then find the same room in the same hotel, for the same dates and for the same number of children and adults at a lower price online, they will refund you the difference. Note that there have been reports from consumers that it’s important to make sure you get credit by getting a screenshot of the amextravel.com price and the lower price at the same time.

Amex members also earn an additional Membership Rewards point, for a 2X total rewards rate, when you book travel at amextravel.com. Unfortunately, you cannot redeem rewards for statement credit in the traditional sense, instead you pay for eligible purchases with rewards, and you get 0.6 cents per point. Nonetheless, using points on amextravel.com for 1 cent per point or transferring to airline partners to get about 1 cent per point on partner airfare makes Amex EveryDay a reasonably good travel card.

If you are looking to pay off debt and also would put your grocery expenses on this card, Amex EveryDay is a great card for you.

Pros

0% Intro APR on balance transfers for 15 months for transfers in first 60 days
No balance transfer fee
Earn 10,000 Membership Rewards Points after you use your new Card to make $1,000 in purchases in your first 3 months
2x points at US supermarkets on up to $6,000 per year in purchases

Cons

Cannot redeem rewards for statement credit, instead you apply rewards directly to pay for eligible purchases

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

5 Stars

Perks

4 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	2.7%
Balance Transfer Fee	None
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	29.99%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Insurance Plan

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Return Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Get Started with Amex EveryDay Credit Card

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Fidelity Rewards Visa Signature Review

Rating: 5 Stars

Bottom Line:
Unlimited Flat-Rate Cash Back for Fidelity Customers

Apply Now

Card Details

Regular APR:	15.74% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Unlimited 2% cash back; you earn Reward Points that are deposited into a Fidelity account as cash back
Credit Needed:	(740 – 850) 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
Unlimited 2% cash back
Every eligible net $1 spent equals 2 Reward Points
No limits on total Reward Points and no restrictive categories
Reward Points will not expire
Your Fidelity Rewards Visa Signature Card is Digital Wallet-enabled for: Apple Pay, Google Pay, and Samsung Pay
Deposit your rewards into one account or divide them among several. You can even use your rewards to fund a loved one’s account. Choose from up to eligible accounts, including a Brokerage account, Fidelity Cash Management Account, Fidelity-managed 529 College Savings plan, Retirement account, Fidelity Go account, Fidelity Charitable Giving Account, Fidelity HSA
The Fidelity Rewards Visa Signature Card has no Reward Points caps, expirations, or restrictive categories
No annual fee

Is Fidelity Rewards Visa Signature worth it?

Fidelity Rewards Visa Signature is a great card for Fidelity account holders who would like simple, unlimited 2% cash back on all purchases. To get the 2% cash back rate, you must open a Fidelity account – for example a retirement or 529 college savings account – before you apply for the card. The rewards are deposited into one or more of your Fidelity accounts.

Pros

No annual fee
Unlimited 2% cash back: Every eligible net $1 spent equals 2 Reward Points
Fidelity allows you to split your cash back rewards deposit across multiple accounts. Usually this would take an extra step with another credit card.
No penalty APR

Cons

No signup bonus
To earn the 2% rewards rate, you’ll have to open an account, like a retirement account or 529 college savings account, before you apply for Fidelity Rewards Visa Signature, or you can use an existing Fidelity account you own.

Why 5 Stars?

Regular APR

5 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

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

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Delay Reimbursement

Concierge Service

Emergency Card Replacement

Emergency Cash Disbursement

Extended Warranty Protection

Lost Luggage Reimbursement

Travel Accident Insurance

Price Protection

Purchase Protection

Return Protection

Roadside Dispatch

Travel and Emergency Assistance

Trip Cancellation/Trip Interruption Reimbursement

Trip Delay Reimbursement

Get Started with Fidelity Rewards Visa Signature

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Discover it Secured Review

Rating: 5 Stars

Bottom Line:
Build Credit and Earn Rewards on Gas and Restaurants

Apply Now

Card Details

Regular APR:	24.74% (Variable)
Intro APR (Purchases):	0% for 6 months
Intro APR (Balance transfers):	After January 10, 2020 you no longer get: 10.99% intro APR for 6 months from the date of your first balance transfer
Rewards Rate:	Earn 2% Cash Back at gas stations and restaurants on up to $1,000 in purchases each quarter Earn unlimited 1% cash back on all other purchases Discover will match all the cash back you?ve earned at the end of your first year, so your cash back gets doubled
Credit Needed:	(0 – 300) Bad/Limited/No
Annual Fee:	None
Card Brand:	Discover

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

Offer Highlights

Click APPLY NOW to apply online
It’s a Real Credit Card: unlike a prepaid or debit card, this is a real credit card that lets you build your credit history with the three major credit bureaus.
Refundable Deposit: your secured credit card requires a refundable security deposit. You choose the deposit amount up to the credit line approved
Earn 2% Cash Back at gas stations and restaurants on up to $1,000 in purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically
We?ll match all of the cash back you’ve earned at the end of your first year, automatically
Easily view your FICO Credit Score on monthly statements, mobile and online for free

Is Discover it Secured worth it?

Discover it Secured is a great card for people looking to build credit and earn cash back on gas and restaurants purchases. Cardholders earn 2% Cash Back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, unlimited 1% cash back on all other purchases, and Discover will match all the cash back you’ve earned at the end of your first year so your cash back gets doubled.

Pros

Build your credit
Monthly reporting to 3 major credit bureaus
No annual fee
Option to upgrade to an unsecured Discover card, where you don’t make a deposit – it’s recommended you make on-time payments for Discover it Secured for 8 months first
Minimum security deposit of $200 is on the low end for secured cards

Cons

High regular APR for a secured card: you would be paying interest at 24.74% APR on a loan you gave yourself

Why 5 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Starting January 10, 2020, you no longer get an intro fee of 3% of the amount of each balance transfer that has posted to your account. It then becomes 5% of the amount of each transfer
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with Discover it Secured

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