best credit cards

The Best Secured Credit Cards

Jason Steele — Fri, 06 Apr 2018 20:26:02 +0000

Secured credit cards have a bad reputation, and most of these products deserve it. Too often, the companies that offer secured cards do so to prey on those with poor or little credit history by charging exorbitant interest rates and outrageous fees. But using the right product from a reputable institution, holders of secured cards can repair or build their credit while enjoying many of the benefits of standard credit cards that they might not qualify for. (See also: How to Pick the Best Secured Credit Card to Repair Your Credit)

How a Secured Card Works

Standard credit cards are not secured by any property or deposits that can be repossessed in case of default. Therefore, applicants for these unsecured loans must first be able to show banks a strong credit history. On the other hand, almost any applicant will qualify for a secured credit card. With a secured card, the cardholder must first pay a security deposit that protects the bank against the risk of default. In all other ways, a secured card operates just like a standard credit card. Cardholders receive monthly bills that they must pay on time or incur interest and penalties. At the same time, banks will report payment information to the credit bureaus, allowing cardholders to build their credit history.

What to Look for in a Secured Card

Your first priority in shopping for a secured card will be to stick with a reputable bank and avoid the numerous products with high interest rates and unreasonable fees. Shoppers should look for a card with a low annual fee and perhaps one that might earn interest on their deposit. Finally, applicants should be aware that not all banks guarantee acceptance, so those with outstanding liens or a recent bankruptcy will not qualify for some of these cards.

When You Should Get a Secured Card

Those who have poor credit or no credit history may be tempted to just wash their hands of the entire credit card business. Unfortunately, that would be a mistake. Obtaining a secured card and making on-time payments is a critical way to repair or build one's credit. Whether it is right or wrong, companies today use credit scores for any loan application, background checks when hiring, and for setting rates for services such as car insurance. Furthermore, travelers will find it difficult or impossible to reserve a hotel room or rent a car without holding a credit card. (See also: How to Rebuild Your Credit)

This article is from Jason Steele of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

Credit Cards That Make Scoring Free Airfare Easy

Kris Majaski — Sat, 18 Nov 2017 20:53:51 +0000

Cashing in your airline miles for award seats can be an aggravating experience. Common issues include flights with unreasonable point demands, huge fuel surcharges, and limited availability.

That last part — limited availability — is often what sends people over the edge. Even if you do everything right, some airline loyalty programs make it difficult to find a flight that works with your schedule, or a flight with more than one open award seat available.

If you’re tired of earning airline miles that are hard to use, consider getting a card with a more flexible airline or opting for a travel rewards card that lets you use points in a variety of travel programs. The short list below includes co-branded airline cards that make their rewards programs especially easy to redeem, as well as flexible cards that let you use points in several ways. (See also: Choose the Best Travel Rewards Credit Card with This Guide)

Southwest Rapid Rewards® Premier Credit Card

The Southwest Rapid Rewards® Premier Credit Card is a hero among co-branded airline credit cards. Why? Because the Southwest Rapid Rewards program is seamless, easy-to-use, and more flexible than competing programs. You'll earn 1x points per dollar spent on all purchases, plus 2x points on purchases made with the airline as well as with hotel and car rental partners. New cardmembers can earn up to 75,000 points. Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. Plus, earn 35,000 points after you spend $5,000 on purchases in the first 6 months your account is open.

Make note, however, that the card does come with a $99 annual fee, which is not waived the first year. Southwest stands out among its competitors for a few reasons. First, it offers an unusual fare-based rewards program, meaning cheaper flights cost fewer points. Second, Southwest doesn’t limit award availability on any of its flights. If you find an open seat on a Southwest flight and have the points handy, it’s yours to book. What’s more, Southwest Airlines never charges a fee for your first two checked bags, whether you pay in miles or cash. Finally, if you fly Southwest a lot, you may qualify for a one-year companion pass. You need to accrue 110,000 Rapid Reward points in a single year to qualify. With the signup bonus, you’re almost there.

Info about the Southwest Rapid Rewards Premier Card from Chase has been collected independently by Wise Bread. The issuer did not provide the details, nor is it responsible for their accuracy.

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This article is from Kris Majaski of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

Best Travel Rewards Credit Cards for Families

Jason Steele — Tue, 04 Jul 2017 12:57:41 +0000

Any parent knows that traveling with a family is expensive. The cost of multiple airfares, hotel rooms, and meals can be prohibitive. But a good travel rewards card can help. A few cards stand out because their earning policies and benefits are especially family-friendly. Here are the best.

Southwest Rapid Rewards® Premier Credit Card from Chase

The Southwest Rapid Rewards® Premier Credit Card makes perfect sense for families because Southwest is an extremely family-friendly airline. One of the biggest benefits is Southwest’s open seating policy. While some people consider it a hassle to not have assigned seats, the arrangement is a boon for families, who on other airlines may have to pay extra to get seats assigned next to each other. Southwest even offers priority boarding for families traveling with small children. Southwest’s fee policies are also good for families. Since all passengers can check two bags for free, families don't have to choose between paying to check baggage and lugging everything through the airport. And Southwest has no change fees, which comes in handy when the inevitable soccer game or school play is scheduled in conflict with the family vacation.

When it comes to Southwest’s Rapid Rewards frequent flyer program, families can’t beat the Southwest Companion Pass. This perk allows you to add a designated companion to fly with you for free on unlimited paid or award flights. To receive a Companion Pass, you need to earn 110,000 points in a calendar year, and points earned through the credit card count. The pass is then good until December 31 of the following year. You’ll earn double points for all Southwest purchases, and one point per dollar spent elsewhere. There's a $99 annual fee for this card, but that’s partially offset by the fact that you’ll receive a 6,000 point bonus each year on your account anniversary.

The information related to the Southwest Rapid Rewards Premier credit card has been collected by Wise Bread and has not been reviewed or provided by the issuer of this card.

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This article is from Jason Steele of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

Best Credit Cards for Consolidating Debt

Kris Majaski — Tue, 27 Jun 2017 05:32:54 +0000

If you’re juggling multiple credit card balances and want to pay down your debt faster, it might be time to consolidate your debt. By merging your debts onto a balance transfer credit card, you can reduce the number of payments you’re making, save money on interest, and finally get rid of your debt.

While it might seem unlikely that another credit card would leave you better off, some cards were made for this purpose. Most balance transfer cards offer 0% APR for anywhere from 12 – 21 months, and a few don’t even charge a balance transfer fee.

Keys to successful debt consolidation

There are a few things to keep in mind when consolidating your debts. First, you’ll need good credit to get a good balance transfer deal. If you don’t have good credit, you may want to consider other ways to consolidate debt.

Next, make sure you look closely at the balance transfer card’s “go-to” interest rate — the APR that’s charged once the promotional period is over. Often these rates are higher than regular credit cards. If you can’t pay off the balance before the go-to rate takes effect, you may be better off sticking with the cards you have, or trying to find a low interest card instead.

Third, take a look at the balance transfer fee. Most cards charge about three percent of the amount you’re transferring. You’ll usually still come out ahead even with the fee, but be sure to check.

Most importantly, you need to have a plan for how to get out of debt and stay out. Use the no-interest period to pay off as much debt as you possibly can. Cut your budget, pick up overtime at work, and look for additional ways to put more money toward your debts each month. And don’t be tempted to use your newly freed up credit lines to rack up yet more debt. If you do that, you’ll find yourself in a debt spiral.

These offers can be a godsend if you’re ready for a change, but they only work if you make the debt repayment plan and follow through. When deciding on a card, remember that you cannot transfer balances from one card to another card from the same issuer. You’ll need to go with a different bank for your balance transfer card.

This article is from Kris Majaski of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

Why Southwest Airlines Is the Best Domestic Airline for Families

Holly Johnson — Wed, 05 Apr 2017 23:10:51 +0000

Anyone who has flown with kids knows it’s not all puppies and rainbows. Kids can definitely bring some fun to the table, but they can add to the stress — and cost — of your travels, too.

It’s no wonder many families can’t afford to get away. Even if they can score a stellar deal on a hotel or resort, the costs of reaching a far-flung destination can be prohibitive. (See Also: 6 Ways My Family Scores Free Travel with Credit Cards)

Southwest Airlines Makes Family Travel Affordable

Fortunately, at least one airline has answered the call of travel-hungry families. Through its award-winning loyalty program, Southwest Rapid Rewards, families of all sizes can score discounted and free flights across the United States and to the Caribbean. Better yet, the airline offers a slew of benefits that make travel cheaper across the board.

Airline Policies That Are Great For Families

Southwest’s family-friendly policies start with how you buy your ticket and end with the fact Southwest doesn’t impose any “hidden” charges. Here are a few of the most important benefits Southwest offers:

No checked bag fees. Whether you pay with cash or frequent flyer miles, you get two free checked bags per person when you book a flight with Southwest. Since most airlines charge $25 per checked bag on domestic routes, this saves the average family of four $100 per trip.
No change fees or cancellation fees. The fact that Southwest Airlines doesn’t charge any change fees or cancellation fees really sets it apart. If your travel plans change for any reason, you can switch your flight on Southwest regardless of how the price has changed.

If it’s gone up, you’ll need to pay the difference. If your fare has gone down, on the other hand, you’ll get a refund in the form of a flight credit. And if you need to cancel your flight altogether, you’ll get a flight credit to use toward future travel. But unlike other airlines that charge hundreds of dollars in change fees, you won’t pay anything extra just for altering your plans. That’s a huge peace of mind for parents.

Unique seating and boarding arrangement. Southwest Airlines does not have assigned seating. Instead, prior to boarding passengers are put in groups A through C, and lined up within those groups on a first-come, first-serve basis. Once you’re on the plane, you choose your seats from whatever is available. If you want the best choice of seats, or for your entire family to sit together, you’ll need to get in the A group. You can accomplish this feat by checking in online for your flight exactly 24 hours before you depart. If you get in group A, there’s a good chance you’ll get prime seating options for your family without having to pay extra.

It’s worth noting that some people hate not having assigned seats. Because your boarding place relies on your promptness during the check-in process, you may have to board last if you don’t check in early enough. On a full flight, that usually means getting stuck in a middle seat in the back — and away from your family or friends. Southwest does off the chance to upgrade your boarding place at the gate. Pay $30–$40 per seat, and you’re guaranteed an A1–A15 boarding position.

Family boarding. Southwest Airlines offers special boarding for families with kids under the age of 6. If you’re traveling with children in tow, you can board the plane immediately after group A, whether you checked in early or not.

Earning Points Through Travel

What makes Southwest affordable to families is all the ways you can earn free travel through the Southwest Rapid Rewards program. Once you sign up, there are several ways to earn Rapid Rewards points, the most obvious being by flying on Southwest. Depending on which type of fare you choose — Wanna Get Away fares, Anytime fares, or Business Select — you’ll earn 6-12 points for each dollar you spend on a Southwest ticket.

If you’re a business flyer who travels with Southwest often, earning 6-12 points per dollar can mean racking up points fast.

Boost Your Earning Power With Credit Cards

Thankfully, you can easily add to your points balance every day using Southwest’s co-branded airline credit cards, as well as the Southwest shopping portal and dining program. Both the Southwest Rapid Rewards® Premier and Southwest Rapid Rewards® Plus credit cards allow you to earn additional points on Southwest flights, Rapid Rewards partner hotels and car rentals, and other purchases. (See also: Best Sign-Up Bonuses for Airline Miles Credit Cards)

While Chase points can be used to book all kinds of travel, they are especially lucrative for people who fly Southwest. Why? Because Chase Ultimate Rewards points transfer to Southwest Airlines at a 1:1 ratio.

If you want to rack up points fast, consider getting both the Southwest Plus Card and the Sapphire Preferred. With both cards in your wallet – and both signup bonuses, you’ll have enough points to book up to five round-trip domestic flights. (See also: 5 Best Travel Rewards Credit Cards)

You may also be able to earn a one-year free companion pass, another amazing Southwest benefit. It allows you to bring someone with you for free whenever you buy or redeem points for a flight. You get the pass after you’ve earned 110,000 points in one year. (See also: Best Credit Cards With Airline Companion Tickets)

Icing on the Cake: Rewards Shopping and Dining Programs

You don’t have to get either credit card to take advantage of Rapid Rewards shopping bonuses, though. Simply by being a Rapid Rewards member, you can earn extra points for online purchases of all kinds of merchandise when you go through the Southwest shopping portal. You’ll earn anywhere from 1 – 20 points per dollar spent at hundreds of popular retailers available in the online mall. If you do use a Southwest credit card, you can stack your rewards, earning an extra 1 point/dollar on top of whatever the retailer is offering.

In addition, you can sign up for the Southwest Rapid Rewards Dining program using any credit card. Once you do, you’ll earn up to 3 points per dollar spent at participating restaurants. Write a review of your experience for extra points.

Don’t Go Into Debt for Points

With so many great ways to earn points, it’s easy to see why Southwest and its rewards program are great for families.

A word of caution, though. As with any credit card rewards program, it doesn’t make sense to charge things you can’t afford to pay off right away, just to rack up more points. Your interest charges will be larger than the value of the rewards points.

If you need to carry a balance for a while, you’re better off skipping the rewards and using a 0% interest credit card for purchases, or focusing on paying down debt with a balance transfer credit card. Once you get to a place where you’re debt-free and can clear your balance every month, then you can consider getting into the rewards game.

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This article is from Holly Johnson of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

Best Credit Cards to Use For a Home Renovation

Jason Steele — Mon, 27 Feb 2017 10:30:45 +0000

Millions of Americans enjoy repairing and maintaining their homes in their spare time. Many do it to save money on necessary repairs or to increase the value of their properties. And some just find the work itself to be rewarding.

When it comes time to invest in your own home renovation, you'll want to use the right tools and materials for the job, including the right credit card. The best credit cards for a home renovation can offer you rewards for your purchases, promotional financing options, and perhaps both.

Here are the best credit cards to use for a home renovation.

The Home Depot Consumer Credit Card

Home Depot is one of the largest home improvement stores, and if this is where you you plan to buy most of your tools and materials, the Home Depot Consumer Credit Card might make sense for you. This card offers six months of deferred interest financing* on purchases of $299 or more. If you don’t pay off the purchases within six months, you’ll be responsible for interest charges going back to the date of purchase.

If you need more than six months to pay off a purchase, you may be better off waiting for promotions that occur throughout the year offering special financing for up to 24 months.

One bonus of the card is that it gives you one year for returns, which is four times longer than the standard return policy allows. There is no annual fee*, and this card can only be used for purchases in stores and online.

Lowe's Consumer Credit Card

The Lowe's Consumer Card’s standard APR is a high 26.99%, but it offers attractive rewards and promotional financing options. When you use this card, you can receive one of the following three benefits: 5% off all purchases, OR six months of deferred-interest financing on purchases of $299 or more (interest is waived if you pay off the entire amount within six months of purchase), OR project financing on purchases of $2,000 or more, for 36, 60 or 84 months, with rates of 3.99%, 5.99%, and 7.99% respectively (cannot be used at Lowes.com, and fixed monthly payments are required).

If you’ve got a big project that you can pay off within seven years or less, the card is a pretty good deal. It carries no annual fee, but it is not part of a larger payment network so you can only use it at Lowe’s.

This article is from Jason Steele of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

Best Credit Cards for Jewelry Stores

Amy Lu — Mon, 30 Jan 2017 20:15:32 +0000

Jewelry is the go-to gift for many special occasions, including weddings, anniversaries, birthdays, Mother's Day — not to mention Valentine's Day. But when you spring for pieces made with authentic, quality gems or diamonds, the price tag can range from hundreds to thousands of dollars. That's why it can make sense to get a jewelry store credit card that comes with special financing and other promotional offers for cardholders.

Blue Nile

Blue Nile is the world's leading online diamond jeweler. The Blue Nile credit card offers special financing options to give you the flexibility to pay over time. Other benefits including convenient payment options and cardholder-only offers and promotions.

Zales

Zales offers a wide variety of diamond and precious jewelry, in classic and designer styles. With the Zales credit card, you get $50 off a $200 or more purchase on your birthday, 10% off any repair service, special financing offers, and free standard shipping. Cardholders also get early and extra chances to win prizes throughout the year.

Piercing Pagoda

Piercing Pagoda is part of the Zale family of jewelers. They specialize in earrings and other piercings, although their kiosks and online store offer other jewelry was well. The Piercing Pagoda credit card offers $25 off a purchase of $50 or more on your birthday, exclusive cardholder coupons and discounts throughout the year, and special financing.

Hannoush Jewelers

The Hannoush Jewelers network includes over 50 company-owned and franchised stores throughout the U.S. Their Preferred Client Account credit card offers a wide range of simple promotional plans to finance your purchase, budget-friendly monthly payments, and no prepayment penalties.

REEDS Jewelers

REEDS Jewelers sells diamonds and precious gems, fine jewelry, brand-name watches, Pandora charms, Swarovski crystal, and jewelry accessories. The REEDS Jewelers credit card offers up to 60 months special financing on purchases made with your card, no down payment required.

Samuels Jewelers

Samuels Jewelers has the Diamond Elite credit card, which can be used at any of their family of jewelers. This card comes with exclusive offers, early event notices, special event invitations, helpful reminders for your special occasions, savings offers personalized just for you, convenient minimum monthly payments

Iddeal Jewelry

Iddeal Jewelry offers a wide selection of diamond jewelry. The Iddeal credit card comes with simple payment plans to finance your jewelry purchase, budget friendly promotional plans, and no prepayment penalties.

Colombian Emeralds

Colombian Emeralds International has over 60 locations throughout the Caribbean, Central America, and on-board Norwegian Cruise Lines. You can use the Colombian Emeralds credit card at any of their stores in person and online, tax-free and duty-free. This card also comes with 12 months special financing.

Little Switzerland

Little Switzerland is another jeweler based in the Caribbean, but you can also shop their extensive collection of watches and jewelry at their online store. The Little Switzerland credit card offers special financing options and increased purchasing power.

This article is from Amy Lu of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

Best Discount Store Credit Cards

Amy Lu — Sat, 28 Jan 2017 01:00:18 +0000

Who doesn't love it when you find designer or brand name products at half the price — or less! — at a discount store like T.J. Maxx or Overstock? These retailers offer great deals anyway, but you'll save even more by using their store credit card.

TJX Platinum Rewards Credit Card

With the TJX Platinum Rewards card, you can earn points at any store under the TJX corporate umbrella: T.J. Maxx, Marshalls, HomeGoods, and Sierra Trading Post. You get 10% off of your first online purchase and five points per dollar spent at all of their stores and at tjmaxx.com. You receive a $10 rewards certificate for every 1,000 points earned, redeemable at TJX stores, in-person and online. Plus, you get 10% off your first purchase.

Club O Rewards Mastercard

Overstock.com sells new and closeout apparel and accessories, jewelry, home and kitchen goods, and more. The Club O Rewards Mastercard allows you to earn up to 8% back on qualifying Overstock purchases, 2% on gas and grocery purchases, and 1% everywhere else. Earn $20 in Club O Rewards afer your first purchase with the card.

Big Lots Credit Card

Big Lots offers a wide variety of closed out or overstocked merchandise, including furniture and housewares, clothing, toys, small electronics, and even packaged food and drinks. The Big Lots credit card offers special financing options for those big purchases that you may need some help with.

Burkes Outlet Credit Card

Burkes Outlet offers deep discounts on apparel, shoes, accessories, home and pet goods, beauty products, and more. With their credit card, you earn 2 points per dollar spent on eligible purchases. You get a $5 reward for every 200 points you earn. Plus, take 15% off your entire purchase on Monday or Friday.

Gordmans Credit Card

Gordmans is a Midwestern chain where you can save up to 60% on department store prices every day. They have locations in 22 states as well an online store. With the Gordmans credit card, you get a 10% discount on your first purchase, 2x points on all purchases made with your credit card, and special monthly discounts and coupons.

This article is from Amy Lu of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

Best Cards for Women’s Apparel

Kris Majaski — Sat, 28 Jan 2017 00:49:10 +0000

When it comes to shopping for women’s clothing, there’s no shortage of stores to choose. Fortunately, many of these stores offer credit cards which include special bonuses and opportunities to save, as well as rewards programs for earning a little extra. These store credit cards can help you save money and get something back when you shop for women’s apparel.

Ann Taylor Credit Card

Ann Taylor stores provide women’s apparel including sweaters, shoes, jeans, and accessories. The Ann Taylor credit card awards 5 Rewards Points for each dollar you spend in stores or online. You also get a $15 birthday gift during your birthday month.

LOFT Credit Card

When shopping for LOFT women’s apparel, you will want to use the LOVELOFT card to get the best deals and savings. This card awards 5 points for each dollar you spend in stores on online, which equals a $20 rewards card for every 2,000 points. You also get a $15 birthday gift during your birthday month.

New York & Company Credit Card

New York & Company is a popular retailer of women’s clothing. The NY&C Rewards card gives you a $10 reward when you spend $200 with your card, or a $20 reward if you are a Platinum Card member. You also get a $10 off birthday coupon as well as exclusive cardmember and free shipping perks.

Victoria’s Secret Angel Credit Card

Victoria’s Secret is known throughout the world as a provider of lingerie, sleepwear, and beauty products. The Victoria’s Secret Angel Credit Card provides benefits such as free shipping on purchases that include bras and a birthday gift each year. You also earn one point for each dollar you spend.

Forever 21 Credit Card

You can shop for a large selection of women’s clothing at Forever 21. New cardholders get a 15% discount when you make your first purchase with your card online or in Forever 21 stores. You also get 3x points for each dollar you spend at Forever 21 stores, 2x points at restaurants, and 1x point on other purchases.

Lane Bryant Credit Card

Get extra savings and rewards when you shop with Lane Bryant. This card awards 2 points for every dollar you spend and gives you extra points with special monthly offers. You also get extended returns and cardmember exclusives.

Ashley Stewart Credit Card

Ashley Stewart clothing provides plus size clothing for women who love their curves. This card gives you 20% off the first purchase made with the card, a 20% off birthday coupon, and exclusive promotions and discounts.

Christopher & Banks Credit Card

Christopher & Banks, or cjbanks, provides women’s clothing and accessories. With this card, you get benefits such as free standard shipping and a special birthday bonus. It also awards 15 points for each dollar you spend.

Coldwater Creek Credit Card

Women’s clothing at Coldwater Creek includes shoes, dresses, and denim. The Coldwater Creek credit card awards 5 points for each dollar you spend at Coldwater Creek, 3 points on gas and groceries, and 1 point on other purchases. You also get a $25 birthday coupon to use during your birthday month and two free standard-shipping events every year.

Express NEXT Credit Card

If you shop at Express clothing stores for women’s apparel, you can take advantage of extra benefits and rewards with the Express NEXT card. This card offers 20 points for each dollar you spend and a $10 reward for every 2,500 points you earn. You also get monthly bonus point opportunities and a birthday gift.

Jessica London Credit Card

You can buy tops and sweaters, skirts, blazer, swimwear, and other women’s apparel from Jessica London. This card includes benefits such as a 20% birthday coupon and double points during your birthday month. You can also earn $10 rewards for every 400 points earned at all FULLBEAUTY brands and free shipping four times a year.

Mandee Credit Card

Mandee offers dresses, outerwear, loungewear, and other types of women’s apparel. The Mandee card gives you advance notice of sales and special offers. You also get rewards points when you shop with Mandee and a 20% coupon when your card arrives.

Marisota from JD Williams Credit Card

JD Williams is a British women’s apparel company providing clothing such as lingerie, and footwear, which is delivered straight to your door. The JD Williams credit card gives you 15% off your first order when you apply for the card and use your account. You also get $20 off your second order when you spend $100, and as a cardholder, you have access to exclusive offers and discounts.

Old Pueblo Traders Credit Card

Old Pueblo Traders sells women’s clothing brands including Alfred Dunner, Easy Spirit, and Clarks. The Old Pueblo Traders credit card offers up to $200 in savings and benefits as well as birthday, anniversary, and surprise offers throughout the year.

Torrid Credit Card

If you are shopping for women’s clothing in sizes 10 to 30, make sure you check Torrid stores. The Torrid credit card gives you a $20 welcome offer and 15% off your first purchase. You also get two 30% off shopping passes each year and other exclusive offers.

Venus Credit Card

Venus clothing includes women’s shoes, outerwear, pajamas, and jewelry and accessories. The Venus credit card gives you $15 off with your new card and $5 in rewards for every $100 you spend. You also get a $15 gift certificate during your birthday month and other special offers.

WinterSilks Credit Card

WinterSilks stores include more than just women’s apparel. In fact, you can find silk clothing and accessories for both men and women at this store. The WinterSilks credit card gives you a $10 reward certificate for every $150 you spend. You also get an extra 25% savings on the first order of your birthday month.

HSN Card

The Home Shopping Network (HSN) allows you to shop for nearly everything without leaving your home, incuding women’s apparel. This card comes with ExtraFlex payment options on beauty, fashion, and jewelry, to help you break up the payments. You also get VIP easy returns, VIP financing, and access to exclusive discounts.

David’s Bridal Credit Card

David’s Bridal stores offer everything you need to get dressed on your big day, including wedding dresses, shoes, accessories, and more. The David’s Bridal credit card gives you advance notice of sales and special offers as well as early access to new looks. You also get access to special financing options.

Woman Within Card

Woman Within stores offer everything in women’s clothing including tops and bottoms, lingerie, and shoes. The Woman Within card provides $10 rewards for every 400 points you earn at FULLBEAUTY brands and a 20% off birthday coupon.

This article is from Kris Majaski of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

Best Superstore and Wholesale Club Credit Cards

Amy Lu — Fri, 27 Jan 2017 23:42:52 +0000

Shoppers want high-quality, affordable options — even better if they can pick up everything they need at a single store. Superstores and wholesale clubs sell all the basics a regular family needs, including fresh produce, clothing, hardware and fixtures, electronics, auto supplies, and even prescription medicine. Many of these giant retailers now offer their own store credit cards, allowing consumers to earn rewards and save even more on everyday purchases.

Superstore Credit Cards

You can buy pretty much anything at these superstores, and many of these credit cards offer additional rewards, discounts, or benefits on top of the everyday savings.

Target REDCard™

The Target REDCard offers 5% off all your purchases at Target and Target.com, plus free shipping on most orders at Target.com and an extra 30 days to return items. There's also a debit card version of the REDcard, which works like a check and draws on your checking account. There is no annual fee for either card.

Walmart Credit Card

The Walmart credit card starts you off with a 10% (up to $25) savings on purchases when you open an account. Get 3% back on Walmart.com purchases, 2% back on Murphy USA and Walmart gas, and 1% at Walmart and anywhere else your card is accepted. You receive these savings as statement credit. There is no annual fee.

Amazon.com Rewards Visa Card

Amazon has everything you might expect at a superstore, and their credit card has a strong rewards program to boot. The Amazon.com Rewards Visa Card offers three rewards per dollar on purcahses at Amazon.com, plus two points at gas stations, restaurants, and drugstores. All other purchases are one point per dollar. There are no earning caps and no point expiration. You can use your rewards to pay for Amazon.com purchases, or redeem for cash back, gift cards, and travel. There is no annual fee.

Big Lots Credit Card

Big Lots is known for carrying a wide variety of closed out or overstocked merchandise. Here, you can buy packaged food and drinks, clothing, furniture, and electronics. If you're planning to make a large purchase (or a few large purchases), the Big Lots credit card offers special financing options that will make payment easier on your budget. There is no annual fee.

Wholesale Club Credit Cards

You need to pay a membership fee in order to shop at wholesale clubs, but the savings you reap can be well worth it, especially when you factor in the perks that come with wholesale club credit cards.

Sam's Club Mastercard

Part of the Walmart empire, Sam's Club ranks right up there with Costco when it comes to sales — and savings. With the Sam's Club Mastercard, you get 5% back at U.S. and Puerto Rican gas stations and on gas at Sam's Club (on up to $6,000 in purchases per year), 3% cash back is on dining and travel, and 1% on other purchases. Get a $45 statement credit when you open a Sam's Club consumer credit card and make a $100 purchase on the same day (offer ends March 31, 2016). There is no annual fee for this card.

BJ's Perks Mastercard

Rounding out the top three of wholesale clubs is BJ's Wholesale Club, and the BJ's Perks Mastercard is nothing to sneeze at. Get up to 5% back on most in-Club and BJs.com purchases, 2% back on dining and non-BJ's gas purchases, and 1% on other purchases. Use this card to save 10 cents per gallon at BJ's Gas and save up to $25 when you renew your membership fee.

This article is from Amy Lu of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

Best Department Store Cards

Kris Majaski — Fri, 27 Jan 2017 22:55:56 +0000

Department store cards are convenient for earning rewards and benefits while shopping for anything from housewares to clothing and other merchandise. The following cards are the best department store cards to use when you shop.

Barneys New York

Barneys New York stores provide merchandise for the home as well as clothing for everyone in the family. The Barneys New York credit card gives you a $50 credit toward alterations for every $500 you spend on full-price purchases with the card. You also get exclusive access to pre-sale shopping days and invitations to private in-store and online events.

Herbergers

Herbergers department stores have a long history, with 41 locations in the Midwest. These stores provide everything from handbags and fragrances, to household goods and furniture. The Herbergers credit card offers a $20 rewards card for every $200 you spend and a birthday celebration offer. You also get exclusive savings opportunities.

HSN

The Home Shopping Network (HSN) is a department store which allows you to purchase a number of products from your home. This card comes with ExtraFlex payment options on beauty, fashion, and jewelry. You also get VIP easy returns and VIP financing as well as exclusive discounts.

Younkers

This department store with roots in Iowa carries everything from clothing for men, women, and children, to furniture and bed and bath merchandise. The Younkers credit card offers a birthday celebration offer, exclusive savings opportunities, and a $20 rewards card for every $200 you spend.

Bealls Florida

At Bealls Florida, you can shop for everything from bed and bath merchandise, luggage, shoes and sandals, and more. The Bealls Florida card awards 1 rewards point for every dollar you spend. You also get a $10 reward for every 200 points you earn and Gold Customer status when you spend $500 or more annually.

Big Lots

Big Lots often provides discounts and sales on a wide variety of products from toys to furniture and electronics. This credit card gives you special financing options with no annual fee. You also get 24/7 online account management.

Bon-Ton

Bon-Ton department stores provide apparel, furniture, jewelry, and more. Some stores even have hair salons. The Bon-Ton credit card allows you to earn a $20 rewards card for every $200 you spend along with a birthday celebration offer and exclusive savings opportunities.

Boscovs

At Boscovs stores, you can shop for clothing, shoes, beauty products, jewelry, and bed and bath products. This card gives you 15% off on all purchases on the day you activate your card. You also get 100 bonus rewards points when you open the account. Cardholders also get access to exclusive discounts and appreciation events.

Burkes Outlet

Burkes Outlet is a department store that offers up to 90% off household merchandise, beauty products, clothing, and shoes. The Burkes Outlet card awards 2 points for each dollar you spend on eligible purchases and a $5 reward for every 200 points you earn. You also get 15% off your entire purchase on Monday or Friday.

Carsons

Carsons department stores are known for being an upscale chain located primarily in the Midwest area. The Carsons credit card gives you benefits such as a birthday celebration offer and exclusive savings. You also get a $20 rewards card for every $200 you spend.

Haband

Haband department stores are part of the Blair Corporation which includes other popular brands such as Old Pueblo Traders and Bedford Fair. You can find men’s and women’s clothing as well as household goods at Haband stores. This credit card gives you hassle-free returns, a special birthday, anniversary, and holiday offers, and no annual fee.

This article is from Kris Majaski of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

Best Cards for Men & Women’s Apparel Stores

Kris Majaski — Fri, 27 Jan 2017 22:54:30 +0000

Some of the best credit cards are for men and women’s apparel stores. These cards usually offer rewards as well as special savings events for cardholders. The best cards for men and women’s clothing include the following.

Abercrombie & Fitch

Abercrombie & Fitch is an apparel store for men, women, and children. The store card offers benefits such as 25% off your first purchase and a special birthday surprise. You also get exclusive cardholder offers just for using the card.

Barney’s New York

At Barney’s New York, you can find a broad range of merchandise as well as men’s and women’s clothing. This card gives you exclusive access to pre-sale shopping days and invitations to private in-store and online events. You also get $50 credit toward alterations for every $500 spent on full-price purchases when you use your card.

Victoria’s Secret Angel Credit Card

Ann Taylor

Ann Taylor provides women’s apparel ranging from sweaters to shoes and accessories. The Ann Taylor credit card awards 5 Rewards Points for each dollar you spend in stores or online. You also get a $15 birthday gift during your birthday month.

J.Crew

J.Crew clothing fans get more for your money with the J.Crew card. This card gives you 15% off your first purchase and $25 rewards for every $500 you spend. You also get a special birthday surprise and complimentary personal shopping and styling services.

Lane Bryant

Get extra savings and rewards when you shop for Lane Bryant apparel. This card awards 2 points for every dollar you spend and gives you extra points with special monthly offers. You also get extended returns and cardmember exclusives.

LOFT

When shopping for LOFT women’s clothing, you will want to use the LOVELOFT card. You get 5 rewards points for each dollar you spend in stores on online, which equals a $20 rewards card for every 2,000 points. You also get a $15 birthday gift during your birthday month.

Ashley Stewart

Ashley Stewart clothing is a plus-sized clothing brand designed for women who love their curves. This card gives you 20% off the first purchase made with the card, a 20% off birthday coupon, and exclusive promotions and discounts.

Christopher & Banks

Express NEXT

For those who shop at Express clothing stores, the Express NEXT card offers 20 points for each dollar you spend and a $10 reward for every 2,500 points you earn. You also get monthly bonus point opportunities and a birthday gift.

Forever 21

You can shop a wide variety of women’s clothing at Forever 21. As a new cardholder, you can get a 15% discount on your first purchase with the card. You also get 3x points for each dollar you spend at Forever 21 stores, 2x points at restaurants, and 1x point on other purchases.

Hot Topic

Hot Topic cardholders get exclusive benefits when shopping such as two $20 off $50 shopping passes each year. As a new cardholder, you can get 15% off your first purchase. There are also exclusive offers available when you shop for Hot Topic clothing throughout the year.

New York & Company

The NY&C Rewards card gives you a $10 reward when you spend $200 with your card, or $20 reward if you are a Platinum Card member. You also get a $10 off birthday coupon as well as exclusive cardmember and free shipping perks.

Buckle

Buckle clothing stores offer apparel and accessories for men, women, and children. This card offers 10% off your first Buckle Card purchase, B-Rewards Card for every 300 points earned, and exclusive mailings and special offers.

Eddie Bauer

Eddie Bauer clothing includes outerwear, clothing, and shoes for men, women, and children. The Eddie Bauer credit card awards an additional 2% in Rewards on every purchase made with the card when you join Adventure Rewards. You also get exclusive cardholder promotions. Plus, you save an extra 10% when you open and use your new card.

Mandee

Mandee offers women’s clothing such as dresses, outerwear, loungewear, and others. The Mandee card gives you advance notice of sales and special offers. You also get rewards points when you shop and a 20% coupon when your card arrives.

Marisota from JD Williams

JD Williams is a British women’s apparel company that provides apparel, lingerie, and footwear delivered to your door. This card gives you 15% off your first order when you apply for the card and use your account. You also get $20 off your second order when you spend $100, and exclusive offers and discounts.

Old Pueblo Traders

Old Pueblo Traders sells a number of popular clothing brands including Alfred Dunner, Easy Spirit, and Clarks. This card offers up to $200 in savings and benefits as well as birthday, anniversary, and surprise offers throughout the year.

Torrid

Torrid stores provide women’s clothing for sizes 10 to 30. The Torrid credit card gives you a $20 welcome offer and 15% off your first purchase. You also get two 30% off shopping passes each year and other exclusive offers.

Venus

Venus clothing includes women’s shoes, outerwear, pajamas, and jewelry and accessories. With this card, you get $15 off with your new card and $5 in rewards for every $100 you spend. You also get a $15 gift certificate during your birthday month and other special offers.

WinterSilks

WinterSilks stores provide silk clothing and accessories for men and women. This card gives you a $10 reward certificate for every $150 you spend. You also get an extra 25% savings on the first order of your birthday month.

Woman Within

Woman Within stores provide women’s clothing ranging from tops and bottoms to lingerie and shoes. The Woman Within card offers $10 rewards for every 400 points you earn at FULLBEAUTY brands and 20% off birthday coupon.

This article is from Kris Majaski of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

Best Credit Cards for Home & Kitchen Stores

Amy Lu — Fri, 27 Jan 2017 21:29:41 +0000

Whether you're furnishing a new home, replacing a few items, or starting a renovation project, it makes sense to check out store credit cards that offer rewards or special financing that can lessen the burden on your wallet when you shop for home and kitchen goods.

Bed Bath & Beyond

Bed Bath & Beyond is the place to go for your home and kitchen needs. Better yet, the Bed Bath & Beyond credit allows you to earn 5% back in rewards for every dollar you spend at any of their family of stores, including Bed Bath & Beyond (of course), buybuy BABY, and Cost Plus World Market. You also get 2% back on gas and groceries, and 1% on all other purchases. When you get your card, you'll receive a $25 off $100 coupon as well.

Crate & Barrel

Crate & Barrel offers a variety of stylish furniture, kitchenware, and other home essentials. Cardholders of the Crate & Barrel credit card can earn 10% back in reward dollars or 6 months special financing. If you choose the rewards option, you get $20 in rewards for every $200 spent in-store and online. Earn and redeem rewards at Crate & Barrel, CB2, and The Land of Nod.

Williams Sonoma

Williams Sonoma's earliest offerings were classic French kitchen equipment that Americans had never seen before. Today, they've expanded to include hundreds of exclusive products from around the world. With the Williams Sonoma credit card, you get 5% back on Williams Sonoma purchases, 2% back on dining, and 1% back everywhere else. Get a $25 reward certificate every time you earn $25 in rewards. You also get a $20 certificate after you receive your new card, a $25 certificate during your birthday month, and free standard shipping.

Pier 1 Rewards

Pier 1 Imports specializes in imported home furnishings and decor. The Pier 1 Rewards credit card offers 1 point per dollar spent at Pier 1 Imports, and you get a $10 rewards certificate with every 200 points you earn. Other benefits include 20% off when you receive your new card, a special gift on your birthday, and exclusive savings and discounts all year long. You'll get even more perks if you upgrade to Platinum status.

Pottery Barn

Pottery Barn has a wide range of stylish indoor and outdoor furniture for every room in the house. When you apply for their credit card, you can choose to receive 12 months special financing or 10% back in rewards — you'll receive a $25 reward for every $250 you spend.

Wayfair

Shop online at Wayfair for home goods spanning all styles and budgets. New cardholders of the Wayfair credit card can get $40 off your first order (order total must exceed $250), and no interest on orders over $500 if they are paid in full within 12 months. You earn reward dollars on every order.

West Elm

West Elm features contemporary furniture designs and other housewares. With the West Elm credit card, you can choose between rewards or special financing. If you choose rewards, you'll get 10% back in reward dollars, which can be redeemed for a $25 reward for every $250 you spend. Alternatively, get 12 months special financing if you spend $750 or more.

Big Lots

Big Lots sells a wide variety of closed out or overstocked merchandise. Besides furniture and housewares, you'll also find clothing, toys, small electronics, and packaged food and drinks. If you're planning to make a large purchase (or a few large purchases), the Big Lots credit card offers special financing options that are worth checking out.

Design Within Reach

Design Within Reach offers a large selection of authentic modern furniture, lighting and accessories from designers past and present. Their credit card offers advance notice of cardholder-only offers and special financing options with convenient monthly payments.

BrylaneHome

BrylaneHome brings style and value together in their home furnishings and décor. With the BrylaneHome Platinum card, you earn $10 rewards for every 400 points earned at all Fullbeauty brands, which includes fullBeauty, BrylaneHome, Roaman's, ellos, and more. You also get a 20% off birthday coupon and double points during your birthday month, and free shipping four times a year.

Arhaus Archage

Arhaus Archage boasts high quality pieces made with natural and recycled materials. The Arhaus credit card offers special financing and exclusive savings events for cardholders.

Restoration Hardware

Restoration Hardware focuses on upscale hardware and home furnishings. The RH credit card offers special financing, customized credit card payment options, and preferred financing options for RH Grey Card members.

LinenSource

LinenSource focuses on bedding, bath, and window treatments, but they also carry décor and other furnishings. With the LinenSource credit card rewards program you'll receive a $10 certificate for every $150 you spend and 25% off on the first order made during your birthday month. As a welcome offer, you get a 25% off coupon and free shipping to use separately on future orders.

El Dorado Furniture BLUCard

El Dorado Furniture is based in Florida and delivers outside the Sunshine State to Texas, Georgia, New Jersey, Pennsylvania, and New York. The El Dorado Furniture BLUCard includes a $100 gift offer with your mailed welcome kit, and the card itself offers convenient monthly payments, special savings for cardholders, and access to special private events.

The Tile Shop

Let's not forget about flooring! The Tile Shop has over 4,000 quality tile selections, free design services, and showrooms for inspiration. You'll get 15% off when you use the store's credit card to pay for your purchases at The Tile Shop. You can also get special financing or revolving credit and 20% off your entire first purchase.

This article is from Amy Lu of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

Best Credit Cards for Bad Credit

Jason Steele — Fri, 26 Aug 2016 10:30:10 +0000

You don't have too many credit card options when you have bad credit. One solution is to get a secured credit card, which requires a refundable deposit before an account can be opened. If you want an unsecured card, then there are a few good choices. In both cases, be prepared to deal with high interest rates, low credit limits, substantial annual fees, and more. This reflects the greater risk of loaning money to individuals who have had serious financial difficulties. But when you use these cards responsibly, you can quickly improve your credit, and will be able to qualify for a different card with more favorable terms in the future.

Unsecured vs. Secured Credit Cards

There are both unsecured and secured credit cards for bad credit that can help you rebuild your credit. The primary difference between the two types of cards is secured credit cards require a security deposit, usually at least $200, that the card issuer holds in case you default on your account. In exchange, you get a credit card with a limit in the amount of the security deposit that you can use as you would any credit card. Some credit card issuers will refund your security deposit after you manage your account responsibly for a certain amount of time, and allow you to continue using the card as an unsecured card.

On the other hand, unsecured cards for bad credit don't require a security deposit. However, because they are designed for those who may have had credit problems in the past, these cards typically carry higher APRs and higher fees, sometimes even higher than the fees you will find with secured credit cards. In both cases, the APR can be, at least, 20%, making it even more important, in either case, to pay your balance in full every month.As you use your unsecured or secured credit card, the card issuer reports to the credit bureaus, which, if managed responsibly, can help you establish a better credit rating. As your credit score increases, you will be able to qualify for credit cards with lower fees and lower interest rates.

Additional Tips for Rebuilding Bad Credit

In addition to getting either an unsecured or secured credit card for rebuilding bad credit, you can work to improve your credit score over time by keeping the following tips in mind when you use your cards.

Check credit reports annually and correct any errors
If you have to carry a balance and pay interest, choose the card with the lowest APR available
Always make your payments on time
Keep balances manageable
Enroll in credit monitoring to keep an eye on your credit score and credit reports
Avoid extra rewards and benefits if the card has extra fees or if you have to carry a balance

This article is from Jason Steele of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

Best Credit Cards that Give Back to Charity

Kris Majaski — Thu, 11 Aug 2016 22:18:23 +0000

Credit cards provide a broad range of perks, benefits, and rewards, which can add up to be rather valuable reasons to use your card. In addition to these bonuses, there are credit cards which include another incentive - the opportunity to give back or donate to various organizations, just for using your credit card. Although you can use your credit card to make virtually any donation you choose, certain credit cards allow you to give back a little more, just for becoming a cardmember and using your credit card. If you are looking for a credit card that allows you to support or donate to charity, here are some great credit cards that give back.

Charity Charge World Mastercard® Credit Card

The Charity Charge World Mastercard® Credit Card is one of the only cards which is specifically for donating and giving back. This card awards 1% cash back on all purchases, which can be used to support up to three local or national nonprofit organizations. Your donations with this card are tax deductible. This card also underwrites cardholder donation processing fees, so that all your donation goes to your charity of choice. Because it is a World Mastercard, you also get the card benefits you would get with any other Mastercard, including ID theft protection, price protection, and extended warranty. There is no annual fee for this card.

Susan G. Komen® Cash Rewards Visa® credit card

Bank of America® has donated more than $8.0 million to Susan G. Komen since its Pink Ribbon program for credit cards and bank accounts was created in 2009. When you sign up for the Susan G. Komen® Cash Rewards Visa® credit card from Bank of America, Bank of America donates $3, plus 0.08% of the retail purchases made with the credit card. Bank of America guarantees $3.0 million to Susan G. Komen from June 2015 to December 2020. This card provides card holders an opportunity to support the organization’s breast cancer efforts, at no additional cost to the cardholder.

Cardholders also get 3% cash back on gas and 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined gas/grocery/wholesale club purchases each quarter, and 1% cash back on other purchases. There is also an online cash rewards bonus offer of $150 after making at least $500 in purchases in the first 90 days of account opening. There is no annual fee for this card.

World Wildlife Fund Credit Card

Another credit card that gives back is Bank of America’s World Wildlife Fund Credit Card. The World Wildlife Fund (or World Wide Fund for Nature) focuses on supporting over 1,300 environmental projects and conservation of the world’s oceans, forests, and freshwater ecosystems, and protection of endangered species. Bank of America donates a minimum of $3 for each new opened and activated World Wildlife Fund Credit Card, plus 0.08% of all retail purchases. When you renew your card account, Bank of America donates an additional $3. This card also awards 3% cash back on gas and 2% on groceries and wholesale club purchases for the first $2,500 in combined gas/grocery/wholesale club purchases each quarter, and 1% cash back for other purchases. As a new cardholder, you can earn an online cash rewards bonus of $150 after making at least $500 in purchases in the first 90 days of your account opening This is a great card for supporting and giving to an important effort to protect and preserve the world’s natural environment. There is no annual fee for this card.

This article is from Kris Majaski of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread: