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
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
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! –
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
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.
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
Given the quantity these days of
Sometimes, credit-card signup bonuses and benefits are
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.
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…
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
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.
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.
Many large retailers have store branded credit cards. If you are a frequent shopper at Tractor Supply, a TSC credit card may help you save money in certain situations. But if you are looking for a credit card with a
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
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
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.
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.
I have a pretty good idea that if you’re reading this, you’ve gotten yourself into a bit of credit card debt and you’re looking for the
Numerous credit card companies offer this, and Citi has some of the more popular ones. But is Citi the best?
Let’s take a look at what Citi offers…
This is the way it too often goes: A consumer is overambitious with her credit card, accumulates a worrisome amount of debt, and then looks to transfer her debt to a
It seems a wise move.
But is it really?
Sometimes yes; sometimes no. It all depends on the card you’re considering, the balance-transfer fee it imposes, and the balance transfer APR you’ll pay early on and over time.
Debt is a four-letter word – it’s both “good” and “evil.”
Which one of those words it depends entirely on how you use debt. Use it judiciously for the purchases you can afford, and debt can be one of the best financial tools in your toolbox – allowing you to save money, accumulate travel rewards and miles, or to simply snap up a bargain when you find it if you don’t have the cash immediately available.
