Great card for Costco Members.
Costco members will benefit from this card the most since it's both a credit card and a membership card.
It has no cap on cash rebates and to my knowledge it is not tiered like other Amex cash rebate cards.
Best Feature: 3% Cash back on restaurants - 2% on travel related purchases
Worst Feature: Costo membership required
Overall Rating: 5
Benefit Rating: 4
Service Rating: 5
Recommend: Yes
Credit Card: Banana Republic Card
Provided by: Monogram Credit Card Bank of Georgia
Total Posts: 18
Average Rating: 1.36
Category: Retail
Date posted: 12/3/2006
Review:
This is the worst card that I have. They don't take instore payments and the online pay service is through a third party that requires a lengthy registration process (never did it), then if you want to pay over the phone not only do they charge a fee, they charge it to your BR card. If you don't send the check far in advance they charge you a late fee the very next day, no grace period what so ever. I can't wait until its paid off.
Best Feature: $25 Reward Cards for spending, free shipping online
Worst Feature: They dont take in-store payments, online service is a third party, $10 Phone pay fee
Overall Rating: 1.5
Benefit Rating: 4
Service Rating: 3
Recommend: No
Credit Card: Chase PerfectCard™ MasterCard®
Provided by: Chase
Total Posts: 18
Average Rating: 3.33
Category: Reward - Gas
Date posted: 12/3/2006
Review:
Great card all around!
After Citi lowered their salivating 5% cash back to 2%, I decided to dump them for Chase. Now I don't have to wait to accrue $50 in rewards and then wait two weeks for a check in the mail. I simply spend like usual and every month I get a "payment" from Chase. Pretty sweet if you ask me! Only downside is that they don't seem too interested in granting CLI's without hard inquiries.
Best Feature: Rewards AUTOMATICALLY credited to next month's statement.
Worst Feature: High APR, but then again, don't all reward cards have high APRs?
Overall Rating: 4.5
Benefit Rating: 5
Service Rating: 4
Recommend: Yes
Credit Card: Simmons First Visa®/MasterCard®
Provided by: Simmons First National Bank
Total Posts: 9
Average Rating: 4.11
Category: Regular
Date posted: 11/30/2006
Review:
Great customer service and low rates. Put it in the Credit Card Hall of Fame!
Best Feature: Low intrest rate
Worst Feature: Annual fee
Overall Rating: 5
Benefit Rating: 5
Service Rating: 5
Recommend: Yes
Credit Card: Bass Pro Shops® Outdoor Rewards Visa® Credit Card
Provided by: Bank of America
Total Posts: 2
Average Rating: 3.50
Category: Reward - Retail
Date posted: 11/20/2006
Review:
I have been happy with the credit card until recently. The company has decided to start mailing $10 "gift certificates" with a six month expiration date and deducting the amount from accumulated points. I prefer to save points for a larger purchase. The six month expiration date on the certificates forces you to make a purchase within that time frame or lose the points you have accumulated. I am not happy with the current decision. Their response is that not enough people were using their points so they issued the certificates as a reminder. Actually, they issued them hoping that at least some people would let them expire and the points could not be redeemed.
Best Feature: I get points to use in a store I regularly shop at.
Worst Feature: Expiring gift certificates.
Overall Rating: 3
Benefit Rating: 3.5
Service Rating: 3
Recommend: Yes
Credit Card: Capital One® Visa® Platinum Card
Provided by: Capital One
Total Posts: 25
Average Rating: 3.18
Category: Regular
Date posted: 11/19/2006
Review:
I received a confrimed acceptance offer in the mail from Capital One for this card with NO credit history!
I applied and received a card with no annual fee and an APR of 19.8% (which after eight months of excellent credit history with them, I am currently trying to get them to reduce and they have pretty much agreed). Anyway, I had no history at all when I got this card. Of course, my initial limit was low - $300, but after only three months of managing the card well, they automatically upgraded me to a $500 credit limit. This is a way better card than all of those other subprime cards that charge too many fees. Since I've been doing very well managing my credit with this card, I've received about ten other card offers. This card has lead me to even learn about credit and what it affects, which is a lot of things. I'm very satisfied with it, although I hope they keep their promise and lower my APR soon.
Best Feature: You don't have to have any credit to get this card, and there is no annual fee.
Worst Feature: APR, which can be reduced
Overall Rating: 4
Benefit Rating: 3
Service Rating: 4.5
Recommend: Yes
Credit Card: Starwood Preferred Guest® Credit Card from American Express®
Provided by: American Express
Total Posts: 8
Average Rating: 4.75
Category: Reward - Hotel
Date posted: 11/16/2006
Review:
I love this card. By using the card to pay for Starwood hotel stays you earn a whopping 5 points!!!! One night at 100 dollars equals 500 points. Also with starwood you have the option of using cash and points to book your room. Once you get the card you are given 10,000 points with the first purchase. (It usually shows up within 5 weeks.) So, you have several ways to enjoy a good nights rest for less money. Purchase points show up at the end of the billing cycle. My only complaint is the interest rate but if you pay in full at the end of the month, like the other amex cards, it's no problem. If you are a frequent traveler or just like hotel hopping, like myself, this is the card for you!!!!
Best Feature: Double points for Starwood Hotels and related businesses
Worst Feature: High interest rate
Overall Rating: 5
Benefit Rating: 5
Service Rating: 4
Recommend: Yes
Credit Card: First PREMIER Bank Gold MasterCard®/Visa®
Provided by: First PREMIER Bank
Total Posts: 84
Average Rating: 2.91
Category: Poor Credit
Date posted: 11/6/2006
Review:
If they came in the house I bet they'd look for change in the sofa!
Get ready to spend a lot and get little in return - and that's with pretty good credit. First Premier Mastercard is full of charges. Capital One or Household Bank cards are much better to fix credit problems. $178 has been charged to my account already and it just came in the mail! They even charge when they increase your credit limit and we're not talking small fees (in this case it's $25). THEY CHARGE FOR EVERY POSSIBLE THING, including accessing your account online ($3.95) and a Program fee for extending you credit ($95). Then there's a $6 monthly Participation fee for having credit with them, a $3 monthly Maintenance fee, a $48 Yearly fee and that's just half the page!!! And not to mention their Autodraft, Express delivery (who asked for that?), Return item, Set up FEE, Cash advance, and Additional card Fees. The whole back page of their information is nothing but fees they fondly call FINANCE CHARGES. Don't get this card. I'm calling now to cancel and if there's a problem with that they can answer to the SEC.
Best Feature: None, 9.9% APR is the lead but they'll get it back and more
Worst Feature: FEES and FINANCE CHARGES FOR EVERY POSSIBLE THING!
Overall Rating: 1
Benefit Rating: 1
Service Rating: 1
Recommend: No
Credit Card: First National Credit Card
Provided by: First National Bank
Total Posts: 339
Average Rating: 1.16
Category: Poor Credit
Date posted: 11/25/2006
Review: I got this card in the mail and I started wondering how they got my information. I remembered that a couple of weeks ago I got a phone call from a magazine company trying to sell me magazines. They spelled my name wrong because they got the information out of the phonebook, and it is spelled wrong there. THIS IS NOTHING MORE THAN A HIGH TECH THEFT. STAY AWAY FROM THIS CARD.
Best Feature: None
Worst Feature: All of them
Overall Rating: 1
Benefit Rating: 1
Service Rating: 1
Recommend: No
The Cardholder Review section is a unique feature of our site and, to the best of our knowledge,
there is no other organization or company that offers more consumer reviews of credit cards. It's all about consumers
helping other consumers. As your might expect, this section of our site has been one of the most popular sections of our
site since it was introduced in the summer of 2000. New reviews are posted on a daily basis. We hope that you will find this
section of our site useful and that you will visit it on a regular basis.
.gif){kind=spacer}
