Ducks Unlimited vs Chase Freedom: Gas Purchase Comparison

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Gas rewards and cash backs are one of main categories in credit card rewards since this is one of important expenses of consumers. We are going to compare a cash back card with a gas card on this page. Chase Freedom is a cash back card which offers 5% cash back at random categories quarterly. Gas included to this. Ducks Unlimited is a card which is focused on gas purchases only. It provide 5% for gas purchases.

All values on tables are calculated with minimum interest rates.

See our review for Chase Freedom Credit Card.

.Gas Purchase Comparison: Ducks Unlimited vs Chase Freedom

Ducks Unlimited vs Chase Freedom for Gas

We eliminated some other facts such as cash advance and balance transfers in this compare since we focused on gas purchases only.

Our annually purchase for Gas is $2400 only.

First 15 Months – Introductory Period

Since there is $150 sign-up bonus and no APR for Chase Freedom, this will certainly effect to profit and loss table.

Introductory Period Profit and Loss Table

In first 15 months Chase Freedom will be the good side in this comparison as we already expected.

After Introductory APR

The comparison above was just for introductory period of Chase Freedom. One year later, you are going to face with similar rates below.

First Year After Introductory APR

Average APR for Chase Freedom is 21 %.

After Chase Freedom introductory period done, Ducks Unlimited is going to be better choice in a year. However when there is gas quarter in Chase Freedom, things can change… Let’s see it…

When It is Gas Quarter in Chase Freedom (3 Months)

Average APR for Chase Freedom is 21 %.

It seems there is no winner whenever you able to get gas cash backs with Chase Freedom. However if you have lower APR than 21%, Chase is going to be better side. If your Chase Freedom Card APR is lower than 20%, we recommend you to use that card instead of Ducks Unlimited.

Thoughts and Result

For those who wants to get one of these cards: If you would like to have a gas card, we recommend Ducks Unlimited for you since it is providing long-term profit to you. However if you want to use one of those cards for short terms, Chase Freedom will be a better choice because of introductory APR and bonuses.

For those who have both cards: First 15 months, Chase Freedom is going to be your card. After introductory period, we recommend you to use Chase Freedom only at Gas quarter period if your card has APR less than 20%. If your APR is higher than 20%, it won’t worth it much. So Ducks Unlimited will be the better option.

Other Comparisons

Chase Freedom Unlimited vs Chase Sapphire Reserve

Originally posted 2019-01-03 14:52:38.

Capital One Platinum Preferred Card

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CreditExpert

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Review

Capital One Platinum Preferred Card is a new credit card product. The company has made a good card for those who has a good credit score. Besides the card is providing consumers to a chance to access a higher credit line when they make their first 5 payments on time. This is also awesome opportunity to improve credit score.

Capital One Platinum Preferred Card Interest Rates

Purchase APR: 16.49%, 21.49% or 25.49%

Balance Transfer APR: 16.49%, 21.49% or 25.49%

Cash Advance APR: 25.49%

Introductory APR: 0% for 9 months on Balance Transfers and Purchases.

We believe that these rates are fair for those who has good credit score. Besides there are additional opportunities of the card. We will also mention about those. Only maximum APR is a little bit high for Capital One Platinum Preferred Card.

Capital One Platinum Preferred Card Rewards & Bonuses

There is no sign up bonus with this card. Some banks are offering sign up bonus for good credit score but they are not much.

Capital One Platinum Preferred Card offers 2% unlimited cash back on gas and grocery. This is a good opportunity for those who are spending much on these purchase categories. You will also earn unlimited cash back to other categories.

Fees

You don’t have to pay extras when you purchase from abroad or purchase with foreign currency. There is no foreign transaction fee of the card.

There is no annual fee of the card which is a good advantage for those who wants to have a card without annual fee.

Cash Advance Fee and Balance Transfer Fee is maximum 3%. This is not bad at all. Generally cards in this category asks for 4% or more. Even 1% can make important difference on those fees. However minimum Cash Advance Fee is a little bit high.

Benefits

These are some benefits of Capital One Platinum Preferred Card:

Travel Accident Insurance
Security and Account Alerts
Purchase Notifications
Auto Rental Collision Damage Waiver
Zero Fraud Liability
Virtual Card Numbers
Extended Warranty
24-Hour Travel Assistance Services

Learn more benefits from the card issuer website.

Result

This card is not bad at all. If you have good credit score and if you would like to improve it, Capital One Platinum Preferred Card can be a good stepping stone for you. So you will able to get better opportunities. We recommend you to not to cash advance as much as you can because rates are high.

Capital One Platinum Preferred Card Rates & Fees

Interest Rate (APR)	Rewards ($1)	Annual Fee	FTF(*)	Cash Advance Fee	Cash Advance APR	Balance Transfer Fee	Balance Transfer APR
0% APR for 9 Months 16.49%, 21.49% or 25.49%	2% unlimited cash back on gas & grocery. 1% unlimited cash back at all other purchase categories.	None	None	$10 or 3%	25.49%	3%	0% APR for 9 Months 16.49%, 21.49% or 25.49%

Interest Rate (APR)

Rewards ($1)

Annual Fee

FTF(*)

Cash Advance Fee

Cash Advance APR

Balance Transfer Fee

Balance Transfer APR

0% APR for 9 Months

16.49%, 21.49% or 25.49%

2% unlimited cash back on gas & grocery.

1% unlimited cash back at all other purchase categories.

None

$10 or 3%

25.49%

3%

0% APR for 9 Months

16.49%, 21.49% or 25.49%

FTF: Foreign Transaction Fee

Editor Scores

Type of Card	Editor Score	Overall Score	Total Cards
General	220	200	100
Rewards	192	189	64
Cash Back	115	123	26
No Foreign Transaction	169	178	40
Zero Interest	159	180	43
No Annual	179	166	60
Balance Transfer	210	226	50

Similar Credit Cards

User Reviews are decisive at rankings of credit cards in our website. If you like/dislike this card, please let other consumers know with review it.

Originally posted 2019-01-03 03:11:27.

Capital One VentureOne Card

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CreditExpert

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Review

As same as many other one cards of Capital One, VentureOne is a credit card with less rewards and also less interest rate. We are going to review Capital One VentureOne Card on this page for you. You can find detailed information below.

Capital One VentureOne Card Interest Rates

Purchase APR: 13.24%, 21.24% or 25.24%

Cash Advance APR: 25.24%

Balance Transfer APR: 13.24%, 21.24% or 25.24%

Introductory APR: 12 Months 0% for Purchase and Balance Transfer.

We believe that current interest rates of the card is not that bad. Especially we like the minimum APR rate. However 25.24% maximum interest rate is too high for someone with excellent credit score. 1.25x miles for purchase is also below average.

Capital One VentureOne Card Worth It?

If you have too much hotel purchases, this card will worth it. You will need to book from hotels.com though. Otherwise it is not going to be beneficial much for you. We recommend you to try Capital One Venture Card which we have reviewed on Credit Card Center recently.

Rewards & Bonus & Fees

You are going to get 1.25x miles per $1 with this card and actually we didn’t like it much. It is below the average. However 10x miles from hotels.com purchases is awesome opportunity. Additionally you can also get 20000 bonus points with only spending $1000 in first three months. Except regular miles rate, we liked all other rewards and bonuses of the card.

Fees are quite good in Capital One VentureOne Card. No foreign transaction fee, no annual fee are very good. 3% balance transfer fee and cash advance is very good for cards at this level.

You can see all rates and fees of Capital One VentureOne Card below. There is also editor scores of the card.

Capital One VentureOne Card Rates & Fees

Interest Rate (APR)	Rewards ($1)	Annual Fee	FTF(*)	Cash Advance Fee	Cash Advance APR	Balance Transfer Fee	Balance Transfer APR
0% for 12 months 13.24%, 21.24% or 25.24%	10x miles on hotels.com purchases. 1.25x miles on purchases for all categories. 20000 bonus when you spend $1000 in first three months.	None	None	3%	25.24%	3%	0% for 12 months 13.24%, 21.24% or 25.24%

Interest Rate (APR)

Rewards ($1)

Annual Fee

FTF(*)

Cash Advance Fee

Cash Advance APR

Balance Transfer Fee

Balance Transfer APR

0% for 12 months

13.24%, 21.24% or 25.24%

10x miles on hotels.com purchases.

1.25x miles on purchases for all categories.

20000 bonus when you spend $1000 in first three months.

None

3%

25.24%

3%

0% for 12 months

13.24%, 21.24% or 25.24%

FTF: Foreign Transaction Fee

Editor Scores

Type of Card	Editor Score	Overall Score	Total Cards
General	250	200	100
Sign-Up Bonus	238	199	44
Miles	198	189	64
Travel	240	196	8
Hotels	362	356	5
No Foreign Transaction	195	178	40
No Annual	205	166	60
Balance Transfer	230	226	50
Zero Interest	215	180	43

Similar Credit Cards

You like/dislike Capital One VentureOne Card. Our visitors can determine rank of cards on Credit Card Center with review them. You can leave a review below and let other consumers to know about the card.

Originally posted 2019-01-03 02:26:53.

Capital One Venture Card

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CreditExpert

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Contents

Review

Capital One Venture Card is a nice miles card that you can get 2x miles on every purchases and 10x on hotels.com purchases. We are going to provide a detailed review for each features of the card on this page.

Capital One Venture Card Interest Rates

Purchase & Balance Transfer APR: 15.24%, 21.74% or 25.24%

Introductory APR: None

Cash Advance APR: 25.24%

Since you need an excellent credit score to get this card, you can pay 25.24% APR for it maximum. This is actually very high for excellent credit score. Since there is not already any introductory APR, you will feel the highness of interest rates when you receive your first bill. We will make an calculation and compare rewards and expenditure to understand if this card worth it. Let’s see.

Capital One Venture Card Worth it?

Scenario 1-)

Without Cash Advance & Balance Transfer.

My monthly overall purchase is $1200.

I go to vacation for 10 days in a year with my family to abroad. This year we are planning to go to Italy. I will pick a 4 stars hotel from Rome for 10 nights. Here: Radisson Blu es. Hotel. 2 adult and a child (2 year-old). 01.02.2018 price is $209. For ten nights I will pay $2090.

I need to pay $25 for interest every month.

I earn $24 worth miles every month from purchases.

Finally, I earn $17.5 worth monthly miles from my hotel.com purchase. (Totally $209 worth miles annually.)

$16.5 profit monthly.

With Bonus in First Year: $58.16 profit monthly.

With Annual Fee After a Year Later: $8.5 profit monthly.

(I am not using cash advance and balance transfers with Capital One Venture Card. If you will use those, you will need to add extra fees and interest rates. See below for example.)

Scenario 2-)

With Balance Transfer and Cash Advance.

Monthly Purchase: $1200 (Overall)

Monthly Cash Advance: $500 (Overall)

Hotel Purchase: $2090 (Once in a year)

Monthly Balance Transfer: $100 (Overall)

Purchase : I need to pay $25 monthly.

Cash Advance: I need to pay $10.42 interest + $15 fee monthly.

Balance Transfer: I need to pay $2 interest + $3 fee monthly.

Total extra payment: $55.42

Rewards from Purchase: $24

Monthly profit from hotels.com purchase: $17.5

Total rewards: $41.5

$13.9 loss monthly.

With Bonus in First Year: $27.75 profit monthly.

With Annual Fee After a Year Later: $21.81 loss monthly.

Result

Consumers are generally lose at all rewards and expenditure compare of course. However $21.81 maximum lose with current rates is very good. If you need a hotel card and if you spend hotels for a few times in a year, Capital One Venture Card is going to be fully profitable for consumers. If you don’t also use this card for cash advance, it is also going to be very beneficial for consumers.

Besides there is also $100 worth travel credit for you in Capital One Venture Card. We haven’t add it to our compare.

Capital One Venture Card Rewards & Bonus

You care going to earn 50000 bonus miles just after you spend $3000 in three months after account opening. 50000 miles worth $500 and it is really good bonus which will help you to book hotel rooms free.

You are going to gain 10x miles from hotels.com purchases and you can gain 2x miles from all other purchases with Capital One Venture Card.

Annual Fee

First year is waived for Capital One Venture Card. Then you will need to pay $95. This is very good for such a card which is providing high bonuses and rewards.

No Foreign Transaction Fee

If you go abroad or if you buy products from abroad with other currencies, you are not going to pay extra fees for foreign transaction. This is a very good feature for a hotel & travel card. This is also another upsides of Capital One Venture Card.

Cash Advance and Balance Transfer Fee

You are going to pay %3 maximum for your cash advance and balance transfer fee. This is also very good. These fees can be serious problem for consumers. Especially when you calculate all fees that you paid in a year. 3% is a good rate for Capital One Venture Card.

Capital One Venture Card Rates & Fees

Interest Rate (APR)	Rewards ($1)	Annual Fee	FTF(*)	Cash Advance Fee	Cash Advance APR	Balance Transfer Fee	Balance Transfer APR
15.24%, 21.74% or 25.24%	10x miles on hotels.com purchases. 2x miles on purchases for all categories. 50000 bonus when you spend $3000 in first three months.	First year is waived. $95	None	3%	25.24%	3%	15.24%, 21.74% or 25.24%

Interest Rate (APR)

Rewards ($1)

Annual Fee

FTF(*)

Cash Advance Fee

Cash Advance APR

Balance Transfer Fee

Balance Transfer APR

15.24%, 21.74% or 25.24%

10x miles on hotels.com purchases.

2x miles on purchases for all categories.

50000 bonus when you spend $3000 in first three months.

First year is waived.

$95

None

3%

25.24%

3%

15.24%, 21.74% or 25.24%

FTF: Foreign Transaction Fee

Editor Scores

Type of Card	Editor Score	Overall Score	Total Cards
General	250	200	100
Sign-Up Bonus	275	199	44
Miles	290	189	64
Travel	276	196	8
Hotels	426	356	5
No Foreign Transaction	220	178	40

Similar Credit Cards

Ratings in Credit Card Center is based on consumer reviews. If you like or dislike this card please review it, this will affect rankings of the card and also let other consumers to know how it is good/bad…

Originally posted 2019-01-02 23:39:55.

Capital One SavorOne Rewards Credit Card

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CreditExpert

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Capital One SavorOne Rewards Credit Card

Contents

Review

Capital One SavorOne Rewards Credit Card is similar credit card with Capital One Savor Rewards. The card has many advantages for consumers who wants to have credit card for dining, restaurants and entertainment. You are going to earn 3% cash back on your dining and entertainment purchases with this card. You are not going to pay interest rate for 15 months except cash advance. There is also no foreign transaction fee for the card.

Rate of balance transfer and cash advance fee is 3%. This is very good amount for consumers. There is also no annual fee. There is almost no downsides of SavorOne Rewards, cash advance APR is reasonable when you compare it with other similar cards. However 25.74% is always a high rate though. So we recommend you to avoid cash advance with this card.

You can check rates & fees of Capital One SavorOne Rewards in the table below. There are also editor scores which we prepared with our own algorithm. We recommend you to avoid credit cards which are below overall score.

Capital One SavorOne Rewards Credit Card Rates & Fees

Interest Rate (APR)	Rewards ($1)	Annual Fee	FTF(*)	Cash Advance Fee	Cash Advance APR	Balance Transfer Fee	Balance Transfer APR
0% APR for 15 Months 16.74% or 22.24% or 25.74%	3% unlimited cash back on dining and entertainment purchases. 2% unlimited cash back on grocery. 1% unlimited cash back at all other purchase categories. Spend $500 in three months from account opening, earn $150.	None	None	$10 or 3%	25.74%	3%	0% APR for 15 Months 16.74% or 22.24% or 25.74%

Interest Rate (APR)

Rewards ($1)

Annual Fee

FTF(*)

Cash Advance Fee

Cash Advance APR

Balance Transfer Fee

Balance Transfer APR

0% APR for 15 Months

16.74% or 22.24% or 25.74%

3% unlimited cash back on dining and entertainment purchases.

2% unlimited cash back on grocery.

1% unlimited cash back at all other purchase categories.

Spend $500 in three months from account opening, earn $150.

None

$10 or 3%

25.74%

3%

0% APR for 15 Months

16.74% or 22.24% or 25.74%

FTF: Foreign Transaction Fee

Capital One SavorOne Rewards Credit Card Editor Scores

Type of Card	Editor Score	Overall Score	Total Cards
General	243	200	100
Restaurant	210	220	3
Sign-Up Bonus	230	199	44
Rewards	228	189	64
Cash Back	160	123	26
No Foreign Transaction	187	178	40
Zero Interest	237	180	43
No Annual	198	166	60
Balance Transfer	242	226	50

Similar Credit Cards

Starbucks Credit Card

User reviews are very important at rankings of credit cards on our website. If you like or dislike this card please let other consumers know.

Originally posted 2019-01-02 17:54:42.

Regions Bank Secured Credit Card

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CreditExpert

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Contents

We have provided every credit cards of Regions Bank in Credit Cards Center. However we are getting questions from some of our visitors for Regions Bank Secured Credit Card. Since it doesn’t include “secured” in the name of the card, it is hard to find. The card you are looking for is Regions Explore Visa. However you can find all features of the card below on this page. This card is good for build credit and also rebuild credit.

Fees & Rates of Regions Bank Secured Credit Card

Interest Rate (APR)	Rewards ($1)	Annual Fee	FTF(*)	Late Payment Fee	Cash Advance Fee	Cash Advance APR	Balance Transfer Fee	Balance Transfer APR
Regular: 24.74%	None	$29	None	$38	$10 or 4%	26.99%	$10 – 4%	Regular: 24.74%

FTF: Foreign Transaction Fee

Apply

Features of Regions Secured Credit Card

Since the card is secured, you will not get any miles, rewards and bonuses from it. However this will help you to build credit fast. I believe you are not also expecting it. Balance transfer fee and cash advance fees are reasonable with 4% rate. Interest rate is a little bit high but it is also expected for all cards for rebuild credit. See more detailed review below.

Review

Regions Bank Secured Credit Card is a good card with a few advantages and disadvantages. We will mention about these facts for consumers here. There are generally our thoughts on interest rates, annual fee, other fees and rewards of the card. If you have any question regarding the card please feel free to ask us via commenting this page below. We are going to answer you in a few hours.

Regions Bank Secured Credit Card Interest Rates

The card has 24.74% Balance Transfer APR, Purchase APR. When we compare it with other secured cards, it is a little bit high. However we can’t say that there are too much differences. This is one of disadvantages of the card.

Cash Advance APR is not bad for a secured credit card. It is very hard to find low cash advance APR in these credit cards for rebuild credit.

Regions Bank Secured Credit Card Annual Fee

Annual fee of the card is one of good advantages for consumers. It will help you to save a little bit money. For secured credit cards, annual fees are generally $35 or above.

No Foreign Transaction Fee

The other upside of Regions Bank Secured Credit Card… You are not going to pay additional fees for foreign transactions. If you don’t know what is foreign transaction fee, let’s give you an example about this.

You want to purchase a product from an online store which is based in Canada. All products prices are determined with Canadian Dollars. When you buy this product you will need to pay extra fee (It is generally 3% of the price) to purchase it. These extra fees can be a serious problem when you visit abroad or when you purchase from abroad regularly.

Regions Bank Secured Credit Card Cash Advance Fee & Balance Transfer Fee

We believe that minimum fee ($10) is a little bit high for the card. If it was $5, it could be reasonable. However the maximum fee (5%) is very good because secured cards generally asks for 5%.

Result

We have reviewed 10 credit builders or credit rebuilders like Regions Bank Secured Credit Card. We believe that it is not that bad at all. However the cad is below the overall rates of secured cards at the moment. We believe it will get much better very soon as we review more secured cards on Credit Cards Center. We can still recommend you to apply this card for rebuild credit.

For more information:

Regions Credit Card Customer Service: 1-800-253-2265

Similar Credit Cards for Rebuild Credit or Build Credit

If you have any questions regarding this credit card, please feel free to ask us!

Originally posted 2019-01-01 02:46:31.

Capital One Savor Rewards Credit Card

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Contents

Review

Capital One Savor Rewards credit card is generally focused on purchases on dining and entertainment. The card is an awesome restaurant card for consumers because of high cash back rates. Besides it can be very useful for general usage too. We prepared a detailed review for you below about advantages and disadvantages of the card.

Capital One Savor Rewards Credit Card Interest Rates

Interest rates of the card is 16.74% or 22.24% or 25.74% and you can get this card if you have excellent credit score. It means while you are having very good credit score you can face with high interest rates with this card such as %25.74. Let’s think about the worst scenario and see if you can have any benefit from the card despite of high interest rate.

Worth it?

Let’s Calculate Rewards + Interest Rate +Annual Fee of Capital One Savor Rewards Credit Card for a month.

My monthly expenditure for dining is about $1200 dollar. I am not going to include bonus cash backs and annual fee. I generally pay all my debts in the next month. This is how I increase my credit score effectively. For this situation, you are going to have this result:

1200 USD = 48 USD cash back. (Earned)

1200 USD = 26 USD monthly interest (Paid)

95 USD = 8 USD monthly payment (Paid)

Profit = 14 USD

Consumer wins.

It seems if you even have the worst APR, you are going to have profit with Capital One Savor Rewards Credit Card. The situation can change if you cash advance or transfer balance. However these are actions which consumers do with their own decision. Besides 3% Cash Advance Fee and Balance Transfer Fee are very good rates for such cards with high cash back values. If the card had introductory APR for 12 months, your profit could be very high. However cash advance APR of the card is high.

Rewards/Interest Rate Balance: Good

Rewards

Capital One Savor Rewards Credit Card is a dining/restaurant and entertainment card. The card allows you to earn 4% unlimited cash back to these features and this is very good. Additionally for grocery purchases, you are going to earn 2%. Grocery purchases are important part of our expenditures. So additional 2% cash back for a general purchase category is a good opportunity for consumers.

Besides your rewards will not ever expire in your credit card.

Rewards: Excellent

Sign Up Bonus

$500 sign up cash back bonus is very good opportunity. At normal situation you can earn $500 cash back with $12500 worth dining/entertainment purchase.

Fees

You will need to pay $95 annually one year later after your card is approved. First year is waived. $95 annual fee is very good for Capital One Savor Rewards Credit Card.

Cash Advance Fee and Balance Transfer Fee is very good with 3% rate. Similar credit cards are generally requiring 5% fee for those actions. This is creating much difference with them if you think about yearly transactions. You can save lots of money with those rates.

There is no foreign transaction fee of the card. So you will not worry about purchasing at abroad or purchasing products online from abroad. This is especially very good when you travel abroad.

Fees: Very Good

Benefits

Price Protection
Auto Rental Collision Damage Waiver
Travel and Emergency Assistance
Extended Warranty
Virtual Card Numbers
Music Event Opportunities
Concierge Service
Travel Accident Insurance
Sports Event Opportunities.
Zero Fraud Liability
7/24 Customer Support.

You can see more at the official website. You can click on apply button above to go to Capital One Savor Rewards Credit Card page.

Benefits: Excellent

You can see all rates and fees of the card below. There is also editor scores points of the card which has given with special & specific algorithm for each categories.

Result

Our team members liked the new card of Capital One. This is creative and consumer friendly credit card despite of high interest, you can earn with Capital One Savor Rewards Credit Card. Fees are also well-balanced for consumers. This is really a good work. If you have important amount expenditure for dining, restaurant and entertainment, we can recommend this card to you without any hesitation. If you also would like to get this card for general purchases, you will need to compare it with other opportunities very well.

Rates & Fees of Capital One Savor Rewards Credit Card

Interest Rate (APR)	Rewards ($1)	Annual Fee	FTF(*)	Cash Advance Fee	Cash Advance APR	Balance Transfer Fee	Balance Transfer APR
16.74% or 22.24% or 25.74%	4% unlimited cash back on dining and entertainment purchases. 2% unlimited cash back on grocery. 1% unlimited cash back at all other purchase categories. Spend $3000 in three months from account opening, earn $500.	$0 for the first year. Regular: $95	None	$10 or 3%	25.74%	3%	16.74% or 22.24% or 25.74%

Interest Rate (APR)

Rewards ($1)

Annual Fee

FTF(*)

Cash Advance Fee

Cash Advance APR

Balance Transfer Fee

Balance Transfer APR

16.74% or 22.24% or 25.74%

4% unlimited cash back on dining and entertainment purchases.

2% unlimited cash back on grocery.

1% unlimited cash back at all other purchase categories.

Spend $3000 in three months from account opening, earn $500.

$0 for the first year.

Regular: $95

None

$10 or 3%

25.74%

3%

16.74% or 22.24% or 25.74%

FTF: Foreign Transaction Fee

Editor Scores of Capital One Savor Rewards Credit Card

Type of Card	Editor Score	Overall Score	Total Cards
General	240	200	100
Restaurant	263	220	3
Sign-Up Bonus	239	199	44
Rewards	240	189	64
Cash Back	190	123	26
No Foreign Transaction	210	178	40

Similar Credit Cards

You can find use reviews below for Capital One Savor Rewards Credit Card. Please don’t forget that user reviews are decisive at our card rankings. If you think that this card should get a better place or worse place in our rankings, please leave a review.

Originally posted 2019-01-01 01:21:31.

AARP Chase Credit Card

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CreditExpert

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Contents

Review

AARP Chase Credit Card is a card with cash back rewards. You are going to save 3% on your gas, restaurant, fast food and dining purchases with AARP. ou will also save 1% on other purchases with this card. Additionally you are going to get $100 cash back bonus with the card. Minimum APR of the card is very high, so this card won’t be good for those who has excellent or good credit card score. Disadvantages of this card is high balance transfer fee and APR, foreign transaction fee. The sign up bonus could be higher since $100 cash back bonus is not attractive at all.

3% Unlimited Cash Back on Gas, Restaurant, Dining and Fast Food

3% unlimited cash back opportunity for Gas, Restaurant, Dining and Fast Food is an amazing opportunity for consumers. There are still downsides of the card but these opportunities are very good for those who are purchasing from gas stations, restaurants and fast foods very often. I believe you should seriously think about these features first and then make a fair calculation. If it will be beneficial for you, you shouldn’t miss the opportunity. However high interest rates is something you should consider seriously too.

AARP Chase Credit Card Worth It?

We think that you have much better choices than AARP Chase Credit Card since this not very beneficial. 3% unlimited cash back on those categories are still considerable. However it is very hard to get benefits from the card with current APRs. Yearly interest rate for Balance Transfer and Purchase is maximum 24.99% and minimum 18.24%. Maximum rate can be good if you don’t have a good credit score but maximum interest rate disappointing. Besides, if you ever cash advance or balance transfer with this card, it won’t worth it at all. If you even spend for significant amount of cash for gas or another 3% cash back category, with current interest rates it won’t be profitable for you.

You can see rates and fees of the card below. There is also editor scores for the card.

AARP Chase Credit Card Rates & Fees

Interest Rate (APR)	Rewards ($1)	Annual Fee	FTF(*)	Cash Advance Fee	Cash Advance APR	Balance Transfer Fee	Balance Transfer APR
18.24% – 24.99%	%3 cash back on restaurant, dining, fast food, gas purchases. %1 cash back to other purchases. $100 bonus cash back when you spend $500.	None	3%	$10 or 5%	26.99%	$5 or 5%	18.24% – 24.99%

Interest Rate (APR)

Rewards ($1)

Annual Fee

FTF(*)

Cash Advance Fee

Cash Advance APR

Balance Transfer Fee

Balance Transfer APR

18.24% – 24.99%

%3 cash back on restaurant, dining, fast food, gas purchases.

%1 cash back to other purchases.

$100 bonus cash back when you spend $500.

None

3%

$10 or 5%

26.99%

$5 or 5%

18.24% – 24.99%

FTF: Foreign Transaction Fee

Editor Scores

Type of Card	Editor Score	Overall Score	Total Cards
General	171	200	100
Sign-Up Bonus	140	199	44
No Annual	178	166	60
Cash Back	140	123	26

Similar Credit Cards

Please feel free to add your review for AARP Chase Credit Card. You can also read user reviews below.

Originally posted 2018-12-31 23:07:33.

Amazon Rewards Visa Signature Card

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CreditExpert

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Contents

Review

Amazon Rewards Visa Signature Card is a credit card which you can earn good rewards from purchases on Amazon and Whole Foods Market. The card is also providing many good profits to users. We are going to mention about features of the card, rates and benefits in this review. There are also downsides of the card, you will also find detailed information about those facts here.

Amazon Rewards Visa Signature Card Sign Up Bonus

The only sign-up benefit of this card is $50 worth Amazon gift card. You are going to earn this card just immediately after your card approved by Chase. This is not very high sign-up bonus but if you are spending too much on Amazon.com and Whole Foods Market, this can be a good option for you.

Amazon Rewards Visa Signature Card Cash Back Rates

You are going to earn 3% cash back for items/products/services that you purchased from Amazon.com and Whole Foods Market. This is a good opportunity. You will also get 2% cash back on restaurant, gas and drugstore purchases. All other purchases will help you to gain 1%.

You can redeem these cash back for cash, gift cards and travel on chase. You will able to redeem them while you are purchasing from Amazon too.

No Annual Fee & No Foreign Transaction Fees

You will not need to pay annual fee for Amazon Rewards Visa Signature Card. It will help you save with the card more. The other good side of the card is foreign transaction fees. You will not also pay extras when you purchase items from abroad or another currency.

Benefits and Services

These are some benefits and services of the card:

Travel and Emergency Assistance
Luxury Hotel Collection Advantages
Travel Accident Insurance
Zero Fraud Liability
Concierge Service
Lost Luggage Reimbursement
Purchase Protection
Baggage Delay Insurance
Roadside Dispatch
Rental Collision Damage Waiver

You can see more at Amazon or Chase website.

Interest Rates

When we compare card’s interest rate with other chase cards, it is a little bit better. However Cash Advance APR is still very high for Amazon Rewards Visa Signature Card too. Minimum purchase and balance transfer APR are considerable. If you have excellent credit score and if you are purchasing much, you will need to compare this card with others based on your yearly expenditure. This card can be quite expensive for you if you get APR more than 20% rates.

Balance Transfer and Cash Advance Fee

The minimum & maximum cash advance fee, maximum balance transfer fee is too much for the card.

You can see rates & fees of Amazon Rewards Visa Signature Card. There are also editor scores for the card.

Amazon Rewards Visa Signature Card Rates & Fees

Interest Rate (APR)	Rewards ($1)	Annual Fee	FTF(*)	Cash Advance Fee	Cash Advance APR	Balance Transfer Fee	Balance Transfer APR
16.24% – 24.24%	%3 back on purchases from Amazon.com and Whole Foods Market. %2 back on purchases from restaurant, gas and drugstore. %1 back on all other purchases. $50 Amazon Gift Card after your card approved.	None	None	$10 or 5%	26.99%	$5 or 5%	16.24% – 24.24%

Interest Rate (APR)

Rewards ($1)

Annual Fee

FTF(*)

Cash Advance Fee

Cash Advance APR

Balance Transfer Fee

Balance Transfer APR

16.24% – 24.24%

%3 back on purchases from Amazon.com and Whole Foods Market.

%2 back on purchases from restaurant, gas and drugstore.

%1 back on all other purchases.

$50 Amazon Gift Card after your card approved.

None

$10 or 5%

26.99%

$5 or 5%

16.24% – 24.24%

FTF: Foreign Transaction Fee

Editor Scores

Type of Card	Editor Score	Overall Score	Total Cards
General	185	200	100
Shopping	206	206	1
Sign-Up Bonus	162	199	44
No Annual	202	166	60
Rewards	228	189	64
Cash Back	143	123	26
No Foreign Transaction	182	178	40

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Originally posted 2018-12-31 14:22:42.

Starbucks Credit Card

By

CreditExpert

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0

Contents

Review

If you are visiting Starbucks regularly, this card can be a good option for you. However we should admit that we are not pleased with the rewards rate of Starbucks Credit Card. Especially 1 star point per $4 purchase outside of Starbucks stores doesn’t look like a fair rate at all. However points that you will earn from stores are not bad. If you get a membership from Starbucks Rewards™ Member and if you also have this card, you gain 3 star points per $1 purchases. You also earn an extra food or drink when you gain 125 star points as a Gold Member.

Starbucks Credit Card Worth It?

Let’s see how things will work with this card…

I am also visiting Starbucks regularly and I generally drink White Chocolate Mocha at Venti size. It costs me $4.75. (May be this price can change by time or location). So with a White Chocolate Mocha, I earn 14.25 points. To get a free White chocolate mocha with my rewards points at Venti size, I need to collect 475 star points. It means I need to order 34 WCM at venti size which will cost me 161,50 USD.

34 White Chocolate Mocha is almost equal my monthly purchases from Starbucks stores. With maximum purchase APR, I will need to pay $3.35 interest for all purchases from store.

Annual fee of the card is $49, it means it will cost you $4,10 monthly.

So I have a gold membership and I need to order 9 White Chocolate Mocha to gather 125 star points. It means $42,75. So it is more than 10% savings. It depends on what you love to drink though. If you drink Venti size Freshly Brewed Coffee with your rewards points, so the saving percentage is going to be about 5%. I can use this opportunity 3 times in a month.

So lets calculate expenditures other than I already purchase from stores regularly.(I already order those coffees without the card too.)

Payments

Monthly Interest: $3.35

Monthly card fee: $4.10

Total Spent: $7.45

Rewards and Extras

Rewards: $4.75

Free drink or food that I can get a month: $14,25

Total Rewards and Extras: $19

Total Profit: $14.25

Result: Excellent

Please note that we didn’t add bonuses to our calculation.

This is one of those rare results which consumer can win against the credit company.

However You Should Be Careful About These Facts:

Should use this card only Starbucks, otherwise Starbucks Credit Card will cause a serious loss to you.
Shouldn’t try gather rewards points out of Starbucks stores.
Shouldn’t use cash advance, balance transfers since fees and interest rates very high.
Should get membership from Starbucks if you don’t have already.

If you will do one of those options that we provided above, a low APR credit card can be more profitable for you than Starbucks Credit Card.

You can see rates & fees, editor scores of Starbucks Credit Card below.

Starbucks Credit Card Rates & Fees

Interest Rate (APR)	Rewards ($1)	Annual Fee	FTF(*)	Cash Advance Fee	Cash Advance APR	Balance Transfer Fee	Balance Transfer APR
17.99% – 24.99%	3x on purchases from Starbucks stores. (with membership) 0.25x star points on all other purchases. 4500 star point bonus when you spend $500 in 3 months from the account opening. 250 star points when you make the first purchase.	$49	3%	$10 or 5%	26.99%	$5 – 5%	17.99% – 24.99%

Interest Rate (APR)

Rewards ($1)

Annual Fee

FTF(*)

Cash Advance Fee

Cash Advance APR

Balance Transfer Fee

Balance Transfer APR

17.99% – 24.99%

3x on purchases from Starbucks stores. (with membership)

0.25x star points on all other purchases.

4500 star point bonus when you spend $500 in 3 months from the account opening.

250 star points when you make the first purchase.

$49

3%

$10 or 5%

26.99%

$5 – 5%

17.99% – 24.99%

FTF: Foreign Transaction Fee

Starbucks Credit Card Editor Scores

Type of Card	Editor Score	Overall Score	Total Cards
General	212	200	100
Restaurants	189	220	3

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You can find some user reviews of Starbucks Credit Card below.

Originally posted 2018-12-31 12:52:19.