RewardExpert - Blog - рage 3 of 126

RewardExpert.com is an independent website that is supported by advertising. RewardExpert.com may be compensated by credit card issuers whose offers appear on the site. Because we are paid by our advertising partners it may impact placement of products on the site, including the order in which they appear. Not all available credit card issuers or card offers are included on the site.

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.

Read more

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

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.

Read more

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.

Read more

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.

Read more

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.

Read more

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.

Read more

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 – 18 month BT offer or a Capital One Venture card.

Read more

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.

Read more

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.

Read more

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.

Read more

Claim Your $125 From Equifax Before it’s Too Late

shows broken lock with computer codes

Credit-reporting agency Equifax has been ordered to pay consumers hundreds of millions of dollars as part of a settlement for a 2017 data breach. At minimum, impacted consumers are eligible for a $125 payment, and some can claim as much as $20,000.
Here’s all you need to know to determine if you’re eligible to claim a piece of that gargantuan pie.

Read more

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…

Read more

How ANYONE can save at least $17,650 in three years: Things You Will Need to Dump Now (But You Can Keep your Starbucks Latté)

shows people carry credit cards and money with title how to save over 17000 dollars in three years

A news story recently made the rounds based on an annual Federal Reserve survey. Four in 10 Americans – 40% of us – would struggle to pay for an unexpected, $400 expense.
For some, that’s likely a truly legitimate fact precipitated by events beyond their control. For others, it’s all the choices they’ve made to this point, whether that’s an educational opportunity spurned, spending and savings decisions that undermine their financial strength, rash decisions tied to a job, a relationship, an investment, whatever.

Read more

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.

Read more

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.

Read more

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.

Read more

Save Your Business Time and Money with monday.com

Monday management tool snapshots

It’s the most dreaded day of the week. Those Mondays where you have to kiss your fun-filled, relaxing weekends behind, get up early, dress for success and head back to work. So how do you beat a case of the Mondays and ensure you’re heading back to a fulfilling, enriching work environment where teams can collaborate quickly and effectively? Enter a company called monday.com. Matt Burns, head of customer success at monday.com, spoke to RewardExpert about the company’s products and mission. “monday.com is reframing the conversation around work and Mondays by promoting positive, productive work environments and atmospheres,” he said.

Read more

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. 

Read more

Affirm Offers Consumers an Alternative to Traditional Credit Card Purchases

A girl sits on the couch with a laptop on her laps

Are you tired of teaser offers that don’t last, sky-high rates and credit card balances that continue to grow thanks to compound interest? If so, it’s time to take a closer look at Affirm.
RewardExpert spoke with Elizabeth Dixon Allin, Vice President of Communications, about the inspiration behind the innovative micro-lender and how any consumer can take advantage of the company’s alternative to traditional credit card purchases.

Read more

Lincoln Financial Group Helps Your Employees Achieve Retirement Success

Man and woman discussing business in the office

Do you offer retirement planning as part of your small business employee benefit package? If not, you may be in danger of losing good workers to your competitors who do. According to a survey by the Employee Benefit Research Institute, retirement savings plans were offered by 67 percent of employers in 2018. Within the companies offering this benefit, 79 percent of employees participated.  
RewardExpert recently spoke with Joseph Mrozek, vice president and national sales manager for Lincoln Financial Group’s retirement plan services, about why a retirement savings plan is an important employee benefit and why employers should choose Lincoln Financial Group to provide it.

Read more