Best Credit Cards by Destination, Bonus and More

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The Six Best Credit Cards for Rental-Car Coverage

showing man covering floating car with message Best Credit Cards for Rental Car Coverage

I was in Louisiana last year visiting family. As I was driving out of New Orleans on Interstate 10, an 18-wheeler kicked up a rock that size of a small football stadium, which then slammed the windshield of my rental car with an explosion that sounded like a small bomb going off.

What I’m trying to say is: Thank you, American Express Platinum Card.

Because I’d booked and paid for the rental car with my Platinum Amex, I didn’t have to worry about the cost of replacing a windshield that, when I returned to the airport, looked like abstract art.

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The Peebles Credit Card: Is There Any Reason to Own One?

The Peebles credit card is another in a long list of what I consider to be subpar, limited-use store credit cards offered by Comenity Bank.

That said, if you are a devoted shopper at Stage, Bealls, Palais Royal, Peebles, Goody’s or Gordmans, then you might have some use for this card, if only because of the outside rewards you earn on your spending.

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Woman Within Credit Card: Does This Card Belong Within Your Wallet?

As they say, “You can put lipstick on a pig, but it’s still a pig.”

By which I mean that no matter how the Woman Within credit card dresses itself up, it’s still just a lackluster piece of plastic that offers tepid benefits at best.

Do yourself a favor and apply for a better card that gives you much better financial benefits.

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Pier One Credit Card: Even Pier One Fans Need to Read This Before Applying

Shows furniture and pier one credit card on the right

I wanted to like the Pier One credit card – if only because of fond memories shopping there when I was nearly married many years ago. Alas, unless you are devoted Pier One shopper, there’s not a lot to like about this store-only credit card.

Though the 5% reward seems generous, the limits you face make them less-valuable than they seem. You can find better credit cards that offer the same or similar benefits and give you greater financial freedom.

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Why You Should Think Twice Before Applying to Avenue Credit Cards

showing fashion woman next to the wall and avenue credit cards on the left side.

About the only reason you’d apply for an Avenue credit card is that you can probably obtain it if you have poor credit. But even that’s not a reason to make space in your wallet for this card.

Much better credit-card options exist if you have poor credit. And if you have good credit, then you should be looking for credit cards with better benefits than you’ll receive with an Avenue credit card.

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Boscov’s Credit Card: Designed to Benefit the Company, Not You

shows collage of different shopping items and bascovs credit card

Sometimes you just have to be blunt: The Boscov’s credit card is quite possibly the single worst credit card I’ve come across yet. 

Unless you are an absolute heavy spender at Boscov stores or at Boscov’s online outlet – and by “heavy,” I mean more than $3,750 a year – then this card should never find a home in your wallet. There are far – far!better credit cards you should apply for instead.

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The Pottery Barn Credit Card: Do You Want to Decorate Your Wallet With This Piece of Plastic?

showing pattery barn credit card on the right and furniture decorations on the left

Pottery Barn brings an interesting twist to the loyalty credit card: cash back or, if your purchase is big enough, special financing.

But as interesting as it is, this card is still a hard pass unless you’re such a Pottery Barn fan that you’re decking out your whole house in the retailer’s goods. There are much better credit cards on offer, particularly when it comes the “special financing.”

I mean, really: Why would you pay special financing when you can pay no financing with something like the Capital One Quicksilver Cash Rewards card? But we will come back to that in a moment.

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Bealls Credit Card – Everything You Need to Know Before Apply

With an effective cash-back rate of 10%, the Bealls credit card (and the Bealls Florida credit card) seems like a winner. But before you click “apply,” there are some caveats you need to understand about a Bealls credit card.

In short: If you’re looking for an all-purpose, all-around credit card to collect cash back, then steer clear of a Bealls credit card and, instead, look for a more well-rounded cards such as the Citi Double Cash Card or a Capital One Venture card.

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The Forever 21 Visa Credit Card: A Ho-Hum Credit Card Bested by Far-Better Competitors.

showing shopping bags and forever 21 credit card

Given the quantity these days of exceptional credit cards that offer broad-based travel rewards and cash-back benefits, I almost always find it difficult to recommend that anyone apply for a store-branded credit card … and that’s no different when it comes to the Forever 21 Visa credit card.

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Total Rewards Visa Credit Card: Is it Worth the Gamble?

Shows Las Vegas at night with total rewards credit card on the right side

Sometimes, credit-card signup bonuses and benefits are worth the effort, and the Total Rewards Visa – tied to Caesars Entertainment hotels and resorts – is one of those. But unless you’re a regular gambler or you regularly stay in Caesars hotels and resorts, then there are better credit card options.

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Ulta Credit Cards – The Ugly Side of Beauty.

I am not a consumer of cosmetics. As such, maybe everything I say about the Ulta Ultamate Rewards Mastercard is wrong.  Nevertheless, after reviewing what the Ulta Mastercard offers, I will say this is a card that is largely useless unless you are totally into Ulta as your go-to-shop for cosmetics and other beauty-related purchases.

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BJ’s Perks Credit Cards – Why You Should Think Twice Before Click “Apply”

showing people at bj's store

Let’s be blunt about this: the BJ’s Wholesale Club credit cards look like they’d be a pretty good option, particularly if you’re a regular shopper at one of the company’s warehouse stores. 

But the reality is that BJ’s two credit cards aren’t really worth the application effort. So, right here we can answer the primary question: Is a BJ’s credit card good for me?

The short answer is no.

The longer answer is maybe, but leaning heavily towards no.

Here’s why…

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Merrick Bank’s Preapproved Credit Cards – It’s Ok to Say “No”

Showing merrick credit card

Building credit anew or rebuilding credit after some sort of financial disaster can be a struggle. It’s often a chicken-and-an-egg situation in which you can’t get a good credit card because your credit is so bad – on non-existent – and you can’t build or rebuild your credit because you can’t get a good credit card.

Several credit-card providers have stepped into that void with cards that help you establish credit when you’ve never had it, or which will help you rebuild credit after you’ve destroyed yours originally.

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The Best Luxury Credit Cards to Own – But Think Twice About Applying for Others

Shows luxury airplane cabin

There was a time when the only truly exclusive credit card was the American Express Centurion card – known almost ominously as “the Black Card.” So exclusive was it that American Express never really commented on its actual existence. 

The card was almost mythological and all that was generally known was that one needed to make a lot of money – and spend a lot of money of an Amex card – to even, maybe, be invited to apply.

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Southwest Rapid Rewards Performance Business Credit Card – Should You Apply?

showing image of the business man and title southwest rapid rewards performance business credit card

Southwest Airlines has unleashed a new business credit card on the world, and it’s a good one, particularly if you’re a regular flyer on Southwest.

The new card is the Southwest Rapid Rewards Performance Business Card, which offers an enhanced day-of-travel experience and opportunities for accelerated earning in key business spending categories.

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Tractor Supply Credit Card: Think Twice Before You Click “Apply”

showing track on the road and credit card

Many large retailers have store branded credit cards. If you are a frequent shopper at Tractor Supply, the credit card may help you save money in certain situations. But if you are looking for a credit card with a robust cash-back or rewards program, there are superior options available from other credit card issuers. 

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Ann Taylor Credit Card: Only Useful For an Ann Taylor Fans

As with so many retailers, fashion retailer Ann Taylor has its own affinity credit card – the Ann Taylor Comenity Mastercard. If you’re an Ann Taylor fan, the card’s probably not a bad deal because of the exclusive benefit it offers.
But if for the typical credit-card customer, there are far better cards with far better benefits for you to consider.

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TD Cash Credit Card: There are Better Cash Back Credit Card Options

For consumers who frequently dine out or who are stay-at-home wannabe chefs, the TD Cash Credit Card seems like a worthy option, what with its 3% cash back feature on dining and 2% on grocery store purchases. And among cash back cards, those aren’t bad benefits. But … you can do better if you’re looking for a lucrative cash back credit card.

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How to Pay Less then 0.5% APR for a $15,000 Loan in 10 Years

Extinguishing credit card debt is one of the most grueling debt-management processes imaginable. The high rates of interest most credit cards charge can make the process seem never-ending. And it’s demoralizing to see so much of your monthly payment go toward interest and so little go toward paying down the balance.

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4 Questions Answered to Help You Choose the Right Credit Card for You

people with question marks floating over them and message choose the right credit card for you

Perhaps when you were young, people warned you about the dangers of a credit card. Whoever thought a small plastic card could lead to so much debt and potential financial prison?

Those warnings didn’t come without reason though, as just over 40% of families in the United States have some sort of credit card debt. Add that with $1200 of average annual interest and a credit card can look scary from the outside.

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