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Citizens Bank Clear Value Mastercard

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Citizens Bank Clear Value Mastercard

Citizens Bank Clear Value Mastercard Review

Citizens Bank Clear Value Mastercard has low APR rates without bonuses, rewards, and cashback rewards. However, you are not going to pay APR for 18 months. There is not any annual fee. 3% rate for balance transfers and %3 rate for cash advance fee is very good. If you don’t want to pay much for interest rates, this card will be very suitable for you.

Downsides of the card foreign transaction fee (3% rate is still good though) and it is without rewards at all. You can see some user reviews, all rates, and editor scores of the card below.

Rates & Fees

Interest Rate (APR) Rewards ($1) Annual Fee FTF(*) Late Payment Fee Cash Advance Fee Cash Advance APR Balance Transfer Fee Balance Transfer APR
0% for 18 months

Regular:

14.49%, 18.49% or 22.49%

 None None 3% $38 $10 or 3% 24.49% $10 or 3% 0% APR for first 18 months

Regular:

14.49%, 18.49% or 22.49%

FTF: Foreign Transaction Fee

Editor Scores

Type of Card Editor Score Overall Score Total Cards
General 223 200 100
Zero Interest 222 180 43
No Annual 137 166 60
Balance Transfer 270 226 50
Low Interest 190 173 24

You can read some users reviews of this card below.

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Originally posted 2018-12-16 17:20:40.

Bank of Hope Visa Platinum Secured

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CreditExpert
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Bank of Hope Visa Platinum Secured

Review

If you would like to rebuild your credits, Bank of Hope Visa Platinum Secured can be a good option for you. The card is also good for building credit. There are reasonable offers of the card with average APR and cash advance APR, 4% cash advance fee is not also bad at all.

You can take a look at similar cards, user reviews and rates of the card below. If you have any questions regarding this card, please don’t hesitate to ask us.

Rates & Fees

Interest Rate (APR) Rewards ($1) Annual Fee FTF(*) Late Payment Fee Cash Advance Fee Cash Advance APR Balance Transfer Fee Balance Transfer APR
Regular: 22.49% None $25 %3 $37 $15 or 4% 23.99% $10 – 4% Regular: 22.49%

FTF: Foreign Transaction Fee

Editor Scores

Type of Card Editor Score Overall Score Total Cards
General 140 200 100
Credit Builder 106 127 10
For Bad Credits 162 165 10
No Credit History 148 168 10

You can also see optimizer card reviews by users below.

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Originally posted 2018-12-16 15:11:42.

Bank of Hope Visa Platinum

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CreditExpert
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Bank of Hope Visa Platinum

Review

Bank of Hope Visa Platinum credit card is a low interest card which also provides many other good features for you. However if you are thinking getting a rewards card or cash back card, we don’t recommend this card for you. There is not any of those options on Bank of Hope Visa Platinum. However there are 0% APR, No Foreign Transaction Fee, No Annual Fee options in the card. There are also some extras. Low interest rate of the card is also very attractive.

You can see some rates of the card below. You can also click on Apply button above to get more information about the card. If you would like to feedback this review, please feel free contact us. You can also review this credit card in the review section below.

Rates & Fees

Interest Rate (APR) Rewards ($1) Annual Fee FTF(*) Late Payment Fee Cash Advance Fee Cash Advance APR Balance Transfer Fee Balance Transfer APR
0% for first 12 months.

Regular: 11.49%, 15.49% or 19.49%

 Not Available None None $37 $10 or 4% 23.99% $10 – 3% 0% for first 12 months.

Regular: 11.49%, 15.49% or 19.49%

FTF: Foreign Transaction Fee

Editor Scores

Type of Card Editor Score Overall Score Total Cards
General 213 200 100
Zero Interest 165 180 43
No Annual 155 166 60
Balance Transfer 235 226 50
Low Interest 179 173 24
No Foreign Transaction 145 178 40

You can read user reviews for the credit card below.

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Originally posted 2018-12-16 01:08:22.

Optimizer Credit Card

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CreditExpert
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Optimizer Credit Card

Review

Optimizer Credit Card is a credit product of BBVA Compass. This card is for credit rebuild and improve the credit history. It is also good for bad credits and building credit.

Optimizer Credit Card has 20.24% APR for balance transfer and purchases. Cash Advance APR is 29.24%. The annual fee for the card is $40. Cash Advance and Balance Transfer fees are reasonable. It is 4% at the moment. The late payment is $27 maximum and foreign transaction fee is 3%

Rates

Interest Rate (APR) Rewards ($1) Annual Fee FTF(*) Late Payment Fee Cash Advance Fee Cash Advance APR Balance Transfer Fee Balance Transfer APR
Regular: 20.24% None $40 %3 $37 $10 or 4% 29.24% $10 – 4% Regular: 20.24%

FTF: Foreign Transaction Fee

Editor Scores

Type of Card Editor Score Overall Score Total Cards
General 139 200 100
Credit Builder 110 127 10
For Bad Credits 153 165 10
No Credit History 160 168 10

You can also see optimizer card reviews by users below.

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Originally posted 2018-12-15 00:42:59.

BBVA Select Credit Card

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CreditExpert
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BBVA Compass Select Credit Card

BBVA Select Credit Card – Credit Card Karma Review

BBVA Select Credit Card is one of the other awesome products of BBVA. However, this card is only available for Texas, Alabama, Florida, New Mexico, California, Arizona, and Colorado. If you are living out of those states, you can also check alternative options of BBVA.

You can select your purchase category for rewards and you can start to earn 3x and 2x rewards. If you spend $5000, you are going to earn 1000 rewards points bonus as an additional bonus. There is no limitation at gaining rewards points with BBVA Select Credit Card.

The low-interest option of the card is also very attractive for consumers. Minimum APR is 15.24% and the maximum APR is 19.24%. Besides, you will not need to pay for foreign transaction fees. The card has a $125 annual fee. However, you will not pay it in the first year.

4% Cash Advance and Balance Transfer fees are good. Cash Advance APR rate is also very low: 24.24%.

Rates

Interest Rate (APR) Rewards ($1) Annual Fee FTF(*) Late Payment Fee Cash Advance Fee Cash Advance APR Balance Transfer Fee Balance Transfer APR
Regular: 15.24% – 19.24% Regular: 1 – 2 – 3

You pick a purchase category for 2x and 3x rewards. Rest of purchases are 1x.

Bonus: Earn 1000 rewards points every month for $5000 purchase.

Earn $100 for qualifying purchases which is worth $20000.

 First year: 0$

Regular: 125$

 None $37 $10 or 4% 24.24% $10 – 4% Regular: 15.24% – 19.24%

FTF: Foreign Transaction Fee

Editor Scores

Type of Card Editor Score Overall Score Total Cards
General 219 200 100
Rewards 243 189 64
Low Interest 170 173 24
No Foreign Transaction 180 178 40

You can also learn more with read user reviews below. You can also add your reviews for this credit product too.

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Originally posted 2018-12-15 00:03:31.

BBVA ClearPoints Credit Card

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CreditExpert
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BBVA Compass ClearPoints Credit Card

BBVA ClearPoints Credit Card Review

You can find detailed information on BBVA ClearPoints credit card below with our review. You can also leave a review at the bottom of the page and tell your thoughts and experiences about the card.

 

BBVA ClearPoints Rewards

BBVA Clearpoints is a no-interest credit card which will also give you various rewards. You can pick the purchase category for your x2 and x3 rewards. Besides, you will able to earn x1 rewards for the rest of your purchases. You can learn more about those rewards from the card page of BBVA. When you open a BBVA ClearPoints Credit Card, you automatically start earning rewards with your first purchase!

There are ten categories that you can pick for purchases. These are general categories that you can pick and this option can be quite profitable for you. You need to select a category for each quarter of the year. If you don’t select reward categories, you are going to earn 1x for your purchases. So don’t miss the opportunity.

APR and Bonus

There is no bonus for BBVA Clear Points.

The minimum APR for the card is 13.24%. This is a good rate for those who have an excellent credit score. However, the maximum APR of the card is too high. It is 31.24%. No APR for 13 months is a good opportunity for people. Cash Advance fees are also high with 24.24% – 31.24% rates at the moment.

It seems you need really a good credit history for a better APR. If your Purchase and Transfer APR is higher than 20, this card can be a serious problem for you about 13 months later.

Fees

There is no annual fee of the card and this is making this card valuable. We believe that rewards card with no annual fees is one of the best opportunities for consumers.

If you are purchasing from foreign shops/online stores, there is a downside to this card for you. You will need to make 3% more payment on foreign transactions. If you don’t have purchases from abroad very often, you can ignore this fee.

Cash Advance fee and balance transfer fee for the card is 4% and this is average. However, the minimum payment fee is $10 and this is too much for the card.

Thoughts

This is a short-term good card if you get a high-interest card. However, if you manage to get low APR which is lower than 18%, and if you pick correct categories for rewards this card can be very profitable for you in the long-term.

How do I redeem my BBVA Compass points?

Redeem via the rewards website, which can be accessed via Online Banking or the Mobile Banking App. Call the rewards center at 1-844-285-8383. Redeem rewards in real-time, up to the amount of the transaction, when you set-up Mobile Banking transaction alerts.

BBVA ClearPoints Rates & Fees

Interest Rate (APR) Rewards ($1) Annual Fee FTF(*) Late Payment Fee Cash Advance Fee Cash Advance APR Balance Transfer Fee Balance Transfer APR
0% for 13 first months

Regular 13.24 – 31.24%

 Regular: 1 – 2 – 3

You pick a purchase category for 2x and 3x rewards. Rest of purchases are 1x.

 None 3% $37 $10 or 4% 24.24% – 31.24% $10 – 4% 0% for 13 first months

Regular: 13.24 – 31.24%

FTF: Foreign Transaction Fee

BBVA ClearPoints Editor Scores

Type of Card Editor Score Overall Score Total Cards
General 222 200 100
No Annual 183 166 60
Rewards 236 189 64
Balance Transfer 185 226 50

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Originally posted 2018-12-14 22:47:52.

BBVA Rewards Credit Card

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CreditExpert
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BBVA Compass Rewards Card

BBVA Rewards Credit Card Review

You can find a detailed review of the card below. We investigated each feature of BBVA Rewards Card and we provide our own thoughts for you. If you have any experiences with the card, please leave a review.

Rewards and Bonus

BBVA Rewards Card is providing good options to get rewards points. The regular rate is 1.5 reward points at every purchase. However, if you ever deposit $1000 to your bank account, you will increase your rewards points to 2 for every purchase. There is no limit on this and you can gain 2% rewards points with depositing $1000 to your BBVA deposit account every month. I believe if you are going to work with BBVA for your financials, this opportunity can be very good for you. However, we recommend you to be careful about the interest rate of the card. We are going to mention this at APR and Fees section below. Earn hassle-free rewards across ALL purchase categories, every time and everywhere.

Unfortunately, there is not any good bonus for the card at this time. If BBVA can do a good sign-up promotion for this card, it will be more attractive for consumers.

BBVA Rewards Card Fees and APR

If your creditworthiness is not very good, the APR amount can be high with this card. If it is good, it is going to be very low. More than 30 percent annual interest rate can be quite problematic for consumers despite good rewards rates. APR is 13.24% to 31.24%. There is not 0% APR promotion of credit card for purchases but it is available for balance transfers for 13 months. However, if you would like to have %0 interest rate for balance transfers. This is available in BBVA Rewards Cards.

There is no annual fee of the card and we always like no annual fee cards. Because no annual fee cards are always making rewards more beneficial for consumers.

If you are purchasing abroad very often, you will need to make 3% extra payments with the card for each of your foreign transactions. The maximum cash advance fee and the balance transfer fee is average. Their rate is 4%. However minimum payment is $10 and this is above the average.

Thoughts

BBVA Rewards Card is not a bad card if you have a good credit score. It depends on your APR much. If you get this card with APR more than 20 percent, it won’t worth it despite 2x rewards. We recommend you to talk to a banker of BBVA before applying to the card and learn possibilities about APR rates first. If there was an introductory period on purchases, this card could be a good opportunity for consumers.

BBVA Rewards Card Rates & Fees

Interest Rate (APR) Rewards ($1) Annual Fee FTF(*) Cash Advance Fee Cash Advance APR Balance Transfer Fee Balance Transfer APR
13.24 – 31.24% Regular: 1.5x

If you deposit $1000 to your account regular Rewards is: 2x

 None 3% $10 or 4% 24.24% – 31.24% $10 – 4% 0% for 13 first months

Regular: 13.24 – 31.24%

FTF: Foreign Transaction Fee

BBVA Rewards Card Editor Scores

Type of Card Editor Score Overall Score Total Cards
General 191 200 100
No Annual 168 166 60
Rewards 215 189 64
Balance Transfer 143 226 50

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Originally posted 2018-12-14 20:28:46.

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