Blue Delta SkyMiles Credit Card Review

Blue Delta SkyMiles Credi card is a no annual fee credit card.

Blue Delta SkyMiles® Credit Card Review Pros and Cons

Do you routinely fly Delta airlines? If so, you want the best Delta credit card available. Having the Blue Delta SkyMiles card will help ensure that you get the best perks available every time you fly. Although this isn’t an extraordinary card, it’s a solid choice whether you fly a lot or sparingly with Delta. This Delta SkyMiles review will give the good and the not so good with this card. You’ll know whether or not the Blue Delta SkyMiles® Credit Card is a good choice for your travel style or not.

Blue Delta SkyMiles Pros

No Annual Fee

Did you know that the Blue Delta SkyMiles card is the only Delta card with no annual fee? This is excellent news for people who don’t travel a lot. It’s also good for people who frequently fly airlines other than Delta. You can earn rewards at your pace without trying to balance out the annual fee. Anyone who gets a reward card will tell you that no annual fee is fairly rare. This makes this no annual fee American Express Delta credit card a good choice for a first travel credit card.

Rewards Rate

The Blue Delta SkyMiles card has a lower end rewards rate, but the rewards don’t expire. You’ll earn two rewards points for every dollar you spend on eligible Delta purchases. You’ll also earn two points for every dollar spent at US restaurants and one point per dollar on everything else. You can stack these rewards for as long as you have an account open and in good standing.

In-Flight Savings

Delta encourages cardholders to use this card when they fly with them. Cardholders get a 20 percent credit for in-flight purchases. You use your card to purchase beverages, food, or headsets while you fly. Delta will give you a 20 percent statement credit on your next monthly bill. You don’t have to do anything but use your card while you’re flying with Delta.

Blue Delta SkyMiles Bonus Miles

Delta has a very doable bonus option for cardholders. You’ll get 10,000 bonus miles for spending $500 in the first three months. This works out to roughly $167 per month. The average person spends more than this on one trip to the grocery store. You can then use your sign up bonus miles on your next Delta flight.

Flexible Rewards Redemption

Along with stackable rewards, cardholders also enjoy a flexible redemption program. You can redeem your rewards for Delta flights. However, you can also redeem them at one of Delta’s partners. You can fly round-trip or one-way as well. This is unique because a lot of airlines won’t allow for one-way flight options. Your miles won’t expire either, and cash may be a redemption option on some flights.

No Blackout Dates

Trying to use your rewards can be frustrating, especially with blackout dates. However, the Blue Delta SkyMiles card takes that frustration away. There are no blackout dates to worry about or work around with this card. You can use your miles for any flight at any time without an issue. This is great for last-minute flights, emergencies, or holiday travel.

Additional Blue Delta SkyMiles Cardholder Perks

This card comes with several additional perks for any cardholders. You get car rental insurance and free roadside assistance with this card. Cardholders get the lowest hotel rate guarantee and access to event presales. Finally, cardholders also get return protection, extended warranties, and purchase protection. All of this can work to save you money. Additionally, these things entitle you to the 20 percent discount as well.

Blue Delta SkyMiles Cons

Flight Restrictions

Unfortunately, cardholders have some restrictions on this card. You’re not allowed to use your miles on flights with required stopovers. This can make it difficult to book certain flights. You’ll have to fly nonstop for more flights to get your miles. If you don’t, you’ll have to pay for your flight yourself.

Fuel Surcharges

You want to be sure to double check your flights when you book through Delta. Flying on a one-way flight from Europe with Delta partners can mean extra charges. Certain partners will add fuel surcharges to your final flight total. This isn’t every Delta partner, but you do want to double check before you fly.

Fees

Delta adds on fees for people who use their Blue Delta SkyMiles card to book through certain platforms. If you book your flight over the phone, you’ll pay a $25 fee. Cardholders who choose to book through a ticket office will pay a $35 fee. This can add up very quickly if you’re a frequent flier. It can also eat into your rewards fairly quickly.

Lower Rewards Rate

Unfortunately, the Blue Delta SkyMiles card has a fairly low rewards rate. It is harder to earn free travel this Delta airline credit card. Additionally, this rewards rate tends to fluctuate significantly. For this card, the miles typically average out to around $0.13 per mile. However, this can drop down to $0.05 and go back up to $0.29 per mile. Also, business class tickets tend to get the best rates with this card.

Blue Delta SkyMiles APR

If you carry a balance, this card has a higher APR. This includes people with higher credit scores. The APR starts at 17.49 percent and goes up to 26.49 percent. This rate has the potential to add a lot of excess money to your balance. It’s best to try and pay your balance off in full each month to avoid this APR altogether.

Deciding if the Blue Delta SkyMiles Card a Good Choice for You

This card is a good choice for people new to travel who fly Delta airlines frequently. It’s also a good choice for people who don’t want to pay an annual fee for their travel card. If you’re new to rewards cards, this card is slightly more flexible than other no annual fee travel credit cards.

People who fly frequently and need a higher rewards rate should check into other Delta-specific cards. You will pay an annual fee, but it usually evens out with the rewards you earn. For example, the Gold Delta SkyMiles card gives you priority boarding, and a waived checked bag fee. However, you pay a $95 annual fee, but it’s great for frequent Delta flyers.

Blue Delta SkyMiles® Credit Card Bottom Line

This Delta SkyMiles review gave you the pros and cons fo this card. It’s one of the best Delta credit card options available, even with the lower rewards rate. This card is a solid choice for anyone who is loyal to Delta airlines who doesn’t want to pay an annual fee. If this sounds like you, you may want to give this card a chance. Do your research, look around, and decide if you could benefit from the Blue Delta SkyMiles card.



CreditFast has reviewed the best travel credit cards on the market. Some of the credit card offers are from our advertising partners. CreditFast has objectively reviewed the features and benefits of each credit card. We have chosen travel and airline credit card offers based on our editor’s recommendations.

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Bank of America Travel Rewards Credit Card Review

Review the travel rewards credit card benefits from Bank of America.

Bank of America Travel Rewards Credit Card Review

For anyone who travels and who wants a solid card, try the travel rewards credit card from Bank of America. It’s a great rewards card for people who want something simple. However, this card also has drawbacks like any card. We’ll cover the pros and cons of the Bank of America Travel Rewards Credit Card. You’ll know by the end of the post if this is a good choice for you or not.

Bank of America Travel Rewards Credit Card Pros

1. Unlimited Rewards

You don’t have to travel to earn rewards with this card. You earn 1.5 points for every dollar you spend. These rewards are unlimited. This means that you can stack them and cash them in for larger purchases. Your rewards come back as statement credits or travel-related expenses. You have a great deal of flexibility with this card to earn free travel.

2. Bonus Offer

You get a bonus offer for signing up for this card. You have to spend $1,000 in the first three months. It breaks down to $333 per month to get the bonus. Do this, and the Bank of America card will give you points. This bonus works out to a $250 statement credit. This is very doable, especially if you use your card each day.

3. No Annual Fee

This travel rewards credit card is unique. The Bank of America Travel Rewards Credit Card is one of a few no annual fee travel credit cards. Having no annual fee is rare for a rewards travel card. This is why it’s good for people who don’t plan to use their card often. You won’t have to worry about justifying paying an annual fee if you don’t use it a lot. However, if you do use it a lot, all of the rewards you earn are pure profit.

4. No Foreign Transaction Fee

You don’t want a credit card with a foreign transaction fee when you travel. So with the Bank of America Travel Rewards Credit Card, you won’t have to worry. There is no foreign transaction fee. You can use this card at any vendor, bank, or ATM without paying extra. So this is huge for people who like to travel internationally.

5. Point Redemption Options

Do you like to stay in hotels? Perhaps you want to book a flight, rental car, or cruise. You can do all of this and more with your Bank of America card’s points. You redeem them as a statement credit and apply it to the category of your choice. This can save you money as you travel so you can use it on fun outings.

6. Chip Technology

Everyone worries about having their identity stolen or credit card fraud. However, this travel rewards credit card can help. It comes with EMV chip technology embedded into the card. This technology adds another layer of security each time you use your card. It’s much harder to steal your information because it’s encrypted into the card.

7. Introductory APR

Do you have a big ticket purchase in mind? If so, you can buy it when you first open this card. You get 12 billing cycles of zero percent APR. You can split your large bill into 12 even payments. This puts money back into your pocket. Additionally, you’ll pay less because you won’t pay additional interest charges.

8. Points Bonus

Bank of American makes it extremely easy to earn bonus points with the travel rewards credit card. When you open the line of credit, open a Bank of America checking or savings account. So this gets you a 10 percent customer points bonus on every purchase you make with your card. It goes up depending on how much you have in your account.

9. Widely Accepted

The Bank of America Travel Rewards Credit Card is widely accepted. It’s a Visa card, and this card is traditionally accepted worldwide. Since it’s widely accepted, you won’t have to carry a second card around with you. This reduces the risks of losing your cards or being a victim of identity fraud.

Bank of America Travel Rewards Credit Card Cons

1. Low Rewards Rate

You earn 1.5 points on every purchase. However, this is a lower rate for a rewards-based credit card. If you have decent credit, you should be able to find a card with a higher rewards rate. This lower rate makes it more difficult to earn enough rewards to cash in. Compare other credit cards with travel rewards.

2. Credit Needed

This is a rewards card, and it shows with the credit score. You’ll need a credit score of 700 and up to qualify for this card. Unfortunately, this requirement cuts out a lot of people who are rebuilding their credit scores. It’s also a lower-end rewards card for people who have an excellent credit score.

3. Balance Transfer Fee

This isn’t a good card if you plan to perform a balance transfer. It charges you each time you do a balance transfer to this card. You’ll pay either $10 or three percent of the total balance, whichever is higher. There are credit cards that offer 0 fee balance transfer fee intros. Even though 3% isn’t a huge fee it could be a balance transfer mistake. So if you’re trying to get out of debt, every little bit counts.

4. Caters to Bank of America Customers

If you don’t have a Bank of America account, you lose out on the bonus offer. You won’t be able to get the 10 percent more points on each purchase. You can open an account with them to get this offer. However, a lot of people will see this as an inconvenience, especially if they’re loyal to a particular bank.

5. Variable and Penalty APRs

Once the introductory offer is up, you get a variable APR. This APR ranges depending on your credit score when you apply for the card. It starts at 16.74 and goes up to 24.74 percent. There is also a penalty APR of 26.99 percent if you miss payments. You can avoid this by not carrying a balance.

6. Benefits Limits

This travel rewards credit card comes with some benefit limits and limits on travel discounts. The current benefits exclude car rental insurance, roadside assistance, or trip cancellation insurance. Since traveling is unpredictable, this is a large drawback.

Bank of America® Travel Rewards Credit Card Bottom Line

In conclusion, the travel rewards credit card is a solid rewards card. You get a lot of great perks and a few drawbacks. It’s a no-frills card with a flat rewards rate. Also, it’s also widely accepted and doesn’t have an annual fee. For people who don’t travel a lot, it’s worth checking into.



CreditFast has reviewed the best travel credit cards on the market. Some of the credit card offers are from our advertising partners. CreditFast has objectively reviewed the features and benefits of each credit card. We have chosen travel and airline credit card offers based on our editor’s recommendations.

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Top 5 Best No Annual Fee Travel Credit Cards

Best Travel Cards - Compare the Top 5 best no annual fee travel credit cards.

Comparing The Best No Annual Fee Travel Credit Cards

Do you like to travel? If so, do you know what the best travel cards are? Perhaps you only travel a few times a year. If that’s the case, you may want no annual fee travel credit cards to save on costs. Whatever the reason, I’ve rounded up the top five no annual fee travel credit cards.

You’ll be able to compare them and decide for yourself which one will suit your needs the best. We’ll give you a quick overview of each card. This will allow you to find a great travel card that matches your travel habits.

Reviewing the Five Best Travel Cards

What are the best travel cards? As there are hundreds of card choices available, it’s easy to get overwhelmed. My goal is to make choosing the no annual fee travel credit cards quick and easy.

1. Bank of America® Travel Rewards Credit Card

First up is the Bank of America® Travel Rewards Credit Card. To start, it’s a rewards card as well as a travel card. You earn 1.5 points for every dollar you spend, no matter where you spend it. You have to spend $1,000 in the first 90 days to get the signup bonus. This works out to just $333 per month. The signup bonus is 25,000 online bonus points.

These points add up to a $250 statement credit. So technically, you get the bonus by spending $750. You can redeem your points for miles, rental cars, hotels, and travel purchases. Additionally, cardholders with a Bank of America checking or savings account get an additional 10% bonus. Also if you make it to the Preferred Rewards level, you get an additional 75% points bonus.

You can use this card as little or as much as you want because there is no annual fee. This is huge for a rewards card. Also, there is no foreign transaction fee when you use this card at a non-US bank. You get an introductory 0% APR offer for the first 12 months as well.

2. Discover it® Miles

Second on our list of the best no annual fee travel credit cards is by Discover. The Discover it® Miles card gives you 1.5 miles for every dollar you spend. This includes any purchases you make online or in a store. You can make larger purchases when you first get this card due to the introductory offer.

Cardholders will enjoy 14 months of 0% APR. You can also perform balance transfers to this card, but the rate is 10.99% for the first 14 months. Discover also has a unique bonus for all new cardholders. At the end of the first year, they’ll match all of the miles you earned so far. If you earn 50,000 miles, Discover will add 50,000 miles to your account.

You’ll also enjoy a $0 annual fee. You can use the card as sparingly or as much as you want without having to justify it. There is also no foreign transaction fee. This means that you can use it as you travel without paying extra. You should note that Discover does have a more limited acceptance rate. However, it is still relatively well-known around the world.

3. Capital One® VentureOne® Rewards Credit Card

You’ll enjoy an unlimited amount of rewards with the Capital One® VentureOne® card. You can earn 1.25 miles on every purchase you make. There is also a very achievable signup bonus attached to this card. You have to spend $1,000 in the first three months or around $333 per month. If you do, you get a 20,000 mile bonus. This works out to around $200 in travel savings.

There is a flexible redemption program with this card. Redeem your earnings for airfare, rental cars, hotels, gift cards, cash back, statement credits and more. If you pay for your hotel with this card, you can earn up to 10 points per dollar. You can stack these rewards as long as the account stays in good standing.

So you won’t pay a foreign transaction fee with this card either. This is great for frequent travelers outside of the United States. You won’t get a penalty for using your card through a non-US bank. The $0 annual fee is another great perk for a travel rewards card. You won’t have to feel guilty about not using your card a lot throughout the year. Any rewards you earn are profit for you to keep.

4. Blue Delta SkyMiles® Credit Card from American Express

Are you a loyal Delta traveler? If so, the Blue Delta SkyMiles® Credit Card is an excellent choice. Each purchase you make at US-based restaurants or from Delta will earn you two miles per dollar spent. Everything else is one mile for every dollar you spend. It also comes with a very attainable bonus.

If you spend $500 in the first three months, you’ll get a bonus. Even with just everyday spending, you only have to spend $167 per month. You can use this bonus as a statement credit on your bill. It’s great for people on a tighter budget who still want to get the introductory bonus offer. Using this card on a Delta flight entitles you to additional savings as well.

Cardholders will enjoy an additional 20% off their in-flight purchases. This includes audio headsets, beverages, and food. This discount will appear as a statement credit at the end of the billing cycle. The no annual fee is another nice perk for cardholders to enjoy and save with. This card does have a foreign transaction fee. So you want to keep this in mind if you fly internationally.

5. Citi® Double Cash Card

The final card on my list of the best no annual fee travel credit cards is by Citi. The Citi® Double Cash Card is great for people who want flexibility. You get 1% cash back on all of your purchases. Also, you get another 1% cash back when you pay said purchases off. You can stack the rewards for 12 months before you have to use them. You’ll lose them if you don’t use them in this time period. You can take the rewards earned and apply them towards travel.

However, this card has a very flexible redemption program. You can redeem them for a balance credit, gift card, or a check when you reach $25 in rewards. You get an 18-month 0% APR on balance transfers. So this lets you pay down your debt without adding more to it. It also accepts good credit as well as excellent credit for cardholders.

You’ll also enjoy purchase protection. Report your damaged or stolen items within 120 days, and Citi will reimburse you. You get $0 fraud liability if someone makes unauthorized purchases with your card. This gives you a greater peace of mind if you lose your card or if someone steals it.

Bottom Line in Finding the Best Travel Cards

Finally, when it comes to no annual fee travel credit cards, it pays to compare them. So this way, you’ll ensure that you’re getting a good card to suit your lifestyle. My roundup of the top five best no annual fee travel credit cards makes it quick and easy to compare them. Use them wisely, and you should see the rewards stack up quickly.



CreditFast has reviewed the best travel credit cards on the market. Some of the credit card offers are from our advertising partners. CreditFast has objectively reviewed the features and benefits of each credit card. We have chosen travel and airline credit card offers based on our editor’s recommendations.

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Lose your credit card? What to Do With a Lost Credit Card?

What do you do if you lose your credit card?

Lose Your Credit Card? What to Do?

Part of a credit card’s charm is the small, slender, and compact size. However, this also makes it very easy for you to lose your credit card. When you notice that it’s gone, you experience a high level of panic.

This is very common because most people don’t carry extra cash with them. They use their credit card for everyday purchases. If you lose your credit card, there are several things you want to do. This can help to ensure that you get your card back with minimal fuss.

What To Do If You Lose Your Credit Card

Your first instinct may be to panic when you lose your credit card. However, this is one of the worst things that you can do. Federal laws are in place to protect how liable you are for a lost or stolen credit card. It caps at $50. Also, your credit card company could have zero-liability policies in place. Even if you don’t find your card, you most likely won’t lose much.

Take a Second Look

Perhaps you simply misplaced your card at home. If it’s not in the usual spot, you may automatically think it’s lost. The last thing that you want to do is report it as lost and find it a few hours later. Go through your purse or wallet calmly and methodically. Look in every card slot, pocket, or compartment. Take everything out of your purse or wallet as well. Make sure to check through your coat pockets as well and around your home and car.

Check Your Account

Monitoring and checking your account can give you a good idea on where you used your card last. Log into your account and see the time and place you made your last purchase. You can then call this place and see if someone turned a credit card in. If they did, you could go get it without having to get a replacement. It’s also a good way to monitor for fraudulent purchases after you get it back.

Call Your Card Issuer

If you’re sure you lost your credit card, contact your card issuer. You should only do this after you’ve searched everywhere in your home and car for it. Once you contact the card issuer, they’ll deactivate the card. They’ll send out a replacement card in the mail very quickly. This replacement card will minimize the risk of experiencing credit card fraud.

If you have a Discover account, you can freeze your card and temporarily deactivate it until you find it. Great news! Now American Express starting this month of August 2019 offers this same credit card account freezing option. You can now freeze both your Discover and American Express Card accounts. Maybe you can freeze your Visa and MasterCards in the same way? This could depend on each individual credit card company. Before losing your credit card you can call each credit card company and see if there is a freeze option.

A lost debit card is a slightly more complicated story. You have a two-day window to report the debit card lost to keep the $50 liability cap. If you miss this window, you have 60 days to report it lost. However, your liability cap goes up to $500 for unauthorized purchases. Anything beyond 60 days can mean that you pay all of the unauthorized purchases. Prepaid cards also work similarly. Learn more with this prepaid card guide to see how much you are left liable for.

What To Do After You Lose Your Credit Card and Get A New Card Issued

Update Your Account Numbers

When you get your new card, you may have to update your card numbers. This will help to ensure that your automatic payments still go through. The last thing that you want to do is take a hit on your credit score because your payment stopped. Go through your account and make sure that all of the card numbers match.

Ways to Avoid Problems Going Forward

Once you lose your credit card, you don’t want to repeat this mistake. Not only is it stressful, but it’s also inconvenient when you have to wait on the replacement card.

Keep the Issuer’s Number on Hand

Your card issuer’s phone number is on your credit card. If you lose your credit card, you could scramble to find it. Program the number into your phone or put it in your address book. You want to have it somewhere that is easy to remember and reach. When you’re panicking, you may not think straight. Being able to contact your issuer will remove a lot of stress from the process.

Quick emergency list of common credit card company phone numbers to report if your credit card is lost or stolen:

American Express: 1-800-528-4800 – Amex International Collect: 336-393-1111
Capital One: 1-800-CAPITAL (227-4825) – Capital One International Collect: 804-934-2001
CitiBank: 1-855-473-4583 – Citi Card International Collect: 904-954-1202
Discover Card: 1-800-347-3085 – Discover International Collect: 801-344-1000
First National Bank: 1-888-530-3626 – 1st National Bank International Collect: 402-346-1553

Have a Backup Payment Method

You may rely on your credit card for everything. But, if you lose your credit card, you don’t want to get stuck with no money. Have a backup payment method in place. Do you have an emergency fund? Whether this is a small stash of cash, an additional credit card, or a debit card, they all work. This will help to tide you over until you find your card or get a replacement in the mail.

Bottom Line

When you lose your credit card, it can be panic-inducing. However, there are steps that you can take to minimize the damage. Start by taking a deep breath and calming down. If you can’t locate your card, contact the card issuer. They’ll help to sort out any unauthorized activity. They’ll also get your replacement card on the way. You’ll get your new card in the mail, and get back to your life.

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Who is a Secured Credit Card Good For?

Who is a Secured Credit Card Good For?

Who is a Secured Credit Card Good For?

Are you someone who wants to establish your credit? Perhaps you have to start rebuilding your credit after a few costly mistakes. Whatever the reason, a secured credit card can be useful. Using them responsibly will help you build a solid credit history. Learn who is a secured credit card good for?

Potential lenders will look at this credit history and decide whether or not to work with you. The higher your credit score goes, the more financial opportunities you have. You’ll potentially be able to get larger loans or better interest rates with your credit cards. For a lot of people, it all starts with a secured credit card. If you want to know more and decide if this is a viable option for your situation, read on.

Defining a Secured Credit Card

The first thing that you have to understand is what a secured credit card is. It differs from a traditional credit card in several key ways. These differences are why secured credit cards are available to people with no or poor credit. You apply for a secure credit card with a traditional application. However, the card will ask for a deposit. This deposit ranges from $49 up to over $200.

This deposit will usually become your line of credit. You won’t be able to spend anything more than this amount. This restriction can start to teach you responsible use because you don’t have a choice when it comes to spending. The creditor holds this security deposit until you close your account in good standing. When you do this, they’ll refund the deposit amount.

Do Secured credit cards help build credit?

The lender will report your secured card use to the three credit bureaus each month. As long as you pay your bill on time, your score should start to rise. Usually, it takes about a year of responsible use before you can get an unsecured card. This does depend on what your score was when you first got your card.

Secured cards are a higher risk for the lenders. It’s not uncommon to see high interest rates and miscellaneous fees with a secured card. You may have to pay a fee to open an account. Monthly maintenance fees, late fees, and an annual fee all add up as well. You want to avoid carrying a balance to avoid the higher interest rates.

It’s also important to note that a secured credit card is very basic. They typically don’t offer rewards or perks for the users. One exception is the Discover it® Secured Credit Card which offers cash back rewards.  If you do find a secured card with rewards, pay attention to the fees. They’re generally higher. This may not make a lot of sense if you can’t make the rewards balance out.

Using Your Secured Credit Card

So be very careful when you use your secured credit card. Ideally, you want to charge only what you can pay off per month. Perhaps make one or two smaller purchases a month. As long as your credit history shows that you’re using the card responsibly, your score will go up. You want to keep an eye on your credit utilization ratio as well.

This ratio means that you only use around 30 percent of your available credit limit. This also may not be feasible if you only have a $200 limit. You’d only have around $60 to spend and pay off each month. Find a good balance between making small purchases and keeping your utilization ratio low.

During this time, you want to monitor your credit score. Look for any errors and report them. You want your credit score to reach around 630. When it reaches this level, you can start to apply for traditional credit cards. Your secured card company may offer you an upgrade to an unsecured card as well. Make sure that the card you choose lines up with your spending habits. This will allow you to get the most out of your new card.

Deciding if a Secured Credit Card is the Right Choice

Now it’s time to consider if a secured credit card is a good choice for you. You’ll generally have a pretty good idea based on past experiences. However, if you’re not sure, look and see if any of these situations relate to your life.

1. Lenders Have Denied Past Loan or Credit Card Applications

Have you ever applied for a credit card or a loan? If so, did the lender deny you because of your credit? Lenders look at your credit score and your credit history. If you have a history of failing to make your payments, they see you as high-risk. A secured credit card has minimal risk for the lender. You’re losing your deposit if you don’t pay your balance.

2. You’ve Made Costly Mistakes

Have you ever missed a few payments or filed for bankruptcy? Things like overdue balances, foreclosures, and accounts in collections are all red flags. To make matters worse, they can sit on your credit report for up to 10 years. It can negatively impact your credit score this entire time. A secured card gives you the chance to change your spending habits. You can pay your bills on time, pay off your balance, and build your credit.

3. You’ve Never Had a Credit Card

Maybe you’re afraid that you’ll use your credit card irresponsibly. This fear has stopped you from having a credit card. It turn, your credit history may be very slim. A secured credit card is a great place to start. It restricts your spending because you have a low credit line. Additionally, the higher interest rates can encourage you to pay off your balance each month.

Bottom Line

Who is a Secured Credit Card Good For? Secured credit cards are useful tools for building or repairing your credit history and score. It will take some work on your part. Maybe you’ll have to reevaluate your spending habits and make them healthier. But, it’ll pay off because more financial opportunities will present themselves to you. Finally take a look, apply for a secured credit card, and build a healthy credit score.


CreditFast has reviewed the best secured credit cards on the market. Some of the credit card offers are from our advertising partners. CreditFast has objectively reviewed the features and benefits of each secured credit card. We have chosen credit card offers based on our editor’s recommendations.

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How to Pay Your Credit Card Bill and 2 Payment Myths

How to Pay Your Credit Card Bill? Learn four ways to pay credit card bills. Avoid payment myths.

How to Pay Your Credit Card Bill

When it comes to credit cards, you have flexibility. You can pay several different ways each month. You may also get to decide what you want your due date to be. There is also some flexibility with the amount that you pay each month. You generally don’t get these options with traditional bills. The best way on how to pay your credit card bill depends on your financial situation. Also, learn to avoid two very common payment myths that will not increase your credit score.

How to pay your credit card bill depends on your situation and your finances. There are also several payment myths that come with having and using a credit card. We’re going to go over how to pay your credit card bill. We’ll also touch on minimum payments. Finally, we’ll talk about a few common credit card payment myths.

How to Pay Your Credit Card Bill in Four Ways

Generally, you have four options when it comes time to pay your credit card bill. You want to have a good understanding of all of them. This will help you decide on which option works best for your circumstances.

1. Minimum Credit Card Payment Due

The minimum payment is the amount the lender will accept each month to keep your account in good standing. This minimum payment usually only adds up to a small fraction of your overall balance. This payment amount may fluctuate depending on your balance. If it goes up, expect to pay a higher minimum payment.

So, is it better to pay the minimum on credit cards? The answer is yes and no. For people with financial issues, paying the minimum amount can get them through the month. However, you want to pay more than the minimum amount as long as you can. This can stop you from getting stuck with a payment that you can’t afford. It can also help you pay off your debts quicker. This means less money spent on interest.

2. Paying the Credit Card Statement Balance in Full

The total charge amount you get during one billing cycle plus any outstanding balance is your statement balance. You’ll see this every month on your bill. You pay in full when you pay the statement balance. This essentially wipes out all of the charges that you have on your credit card.

Is it better to pay off a credit card in full? The short answer is yes. There is usually a grace period between the bill date and the end of the billing cycle. In this grace period, previous billing cycle purchases won’t gain interest. If you’re deciding how to pay your credit card bill, this is a smart option.

3. Paying the Current Credit Card Balance in Full

The current balance is your most up-to-date total. These are charges that have cleared your account, but you haven’t paid them yet. This is the balance that’ll differ from your statement balance. This is because your statement balance total is behind your current balance’s total.

So this is another excellent way how to pay your credit card bill. You’ll be able to avoid any interest on your charges. Additionally, it’ll take your credit card balance to zero up until the payment date. If the lender hasn’t cleared a charge, it won’t shop up on your current balance.

4. Choosing Your Own Custom Credit Card Payment Amount

Some lenders allow you to pay a customized amount. This can be a good option if you plan to pay more than the minimum balance due. It’s also good if you choose to pay several smaller amounts throughout the month. However, you do want to make sure that you don’t pay late.

This is a good strategy if you’re in a bind and can’t pay the minimum amount due. It does take a little planning on your part though. You want to have at least the minimum payment amount in before the due date.

So Which credit Card Bill Payment Method is Best?

Again, this depends on your personal situation and finances. Your goal should be to avoid any interest payments. You also want to keep your balance on credit card low. The best way to do this is to pay the current balance or the statement balance each month. If you can’t do that, cut back on your spending and make the minimum payments. When you get into a better financial situation, you can concentrate on paying more each billing cycle.

Credit Card Payment Myths

There are dozens of credit card payment myths floating around. However, two popular myths seem to come up again and again. This popular myths about how to pay your credit card bill are as follows:

Payment Myths: Credit Card Bill Payment Myth Two – Should You Carry a Balance on Your Credit Card?

Many people fall under the false belief that they only build credit if they carry a balance. This is false. In fact, it can even hurt your credit if your balance gets too big. Your minimum payment will go up. You may find yourself having difficulty paying. It may also cause you to miss a payment and hurt your credit score. If you’re wondering, should I carry a balance on my credit card? The answer is no.

You can get out of this situation by comparing the best balance transfer credit cards. Look for one that gives you a zero percent introductory offer. For example, the Citi® Diamond Preferred® Card offers 21 months of 0 interest on balance transfers. This perk allows you to pay off your existing balances without any additional interest. Just make sure you don’t wrack up more charges on this card before you pay it off.

  • The Truth: You want to avoid carrying a balance from month to month. Carrying a balance opens you up to interest charges. This can quickly stack up on top of your balance amount. If you can’t pay the total amount, pay the minimum payment. This will keep your account in good standing.

Payment Myths: Credit Card Bill Payment Myth Two – Paying Credit Card Bill Before the Due Date Increases Your Credit Score

Another popular myth is that paying your bill before the due date will increase your credit score. People believe that if they pay their bill early, the lender won’t report it to the credit bureaus. However, this is false. The lender reports the card’s statement balance to the credit bureaus. If you remember, this is the most up-to-date balance you can get.

  • The Truth: Paying early won’t hurt your credit score. However, it won’t help it a lot either. It’s just like paying your bill on the due date. It can give you peace of mind knowing that you paid it though. Paying early and also encourage you to pay more than the minimum amount owed.

Bottom Line

How to pay your credit card bill? You should have a good idea about the method that will work for your situation. Just remember to pay it by the due date. This will stop it from having a negative impact on your credit score.

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Sportsman’s Guide Visa Review Shopping Cart Trick

Sportsman's Guide Visa Review and Why Use the Shopping Cart Trick When Applying

Sportsman’s Guide Visa Review + Comenity Shopping Cart Trick

Are you an outdoor fanatic that finds themselves continually looking for new tools, equipment, or gear? Have you heard of the Sportsman’s Guide Buyer’s Club Rewards Visa Credit Card? If not, you’re in luck. We’ll go over the benefits and drawbacks of the Sportsman’s Guide Visa. You’ll get a perfect understanding on whether or not this is a card you want by the end. The second part of this article will go over my personal experiences as a Sportsman’s Guide Visa cardholder. Yes, I have this credit card, and I will share my first-hand account of what the benefits are. I will explain how I avoided a hard credit inquiry when I applied for this credit card. Also, I will explain why I used the Comenity Shopping Cart Trick when applying for the Sportsman’s Guide Buyer’s Club™ Rewards Visa® Credit Card. At the bottom of this review, I am providing a link to the Shopping Cart Trick Sportsman Guide Visa application.

What is the Sportsman’s Guide Visa and How Does it Work?

This brand-specific Visa card allows you to get rewarded for shopping at Sportsman’s Guide. Sportsman’s Guide is an outdoor gear store that carries everything from fishing, hunting, and outdoor camping gear. The Sportsman’s Guide Visa credit card offers cardholders unique saving opportunities.

Once you apply and receive your card, you can shop for all of your outdoor gear at Sportsman’s Guide. Each purchase you make with the Sportsman’s Guide Visa will earn you one percent toward rewards certificates.

You can opt into their Buyer’s Club for even more savings. Buyer’s Club members get 10 percent off every purchase. Additionally, Buyer’s Club Visa cardholders also earn another 2.5 percent discount on every purchase. Please note Buyer’s Club members pay a $40 annual fee. So if you buy a lot from the Sportsman’s Guide catalog, the benefits will quickly outweigh the cost.

Regular Sportsman’s Guide Visa cardholders without Buyer’s Club membership don’t pay this annual fee. However, they also don’t get the 10 percent with an additional 2.5 percent off their purchases. They only get the flat one percent rewards rate.

You can redeem your earnings as Rewards Certificates toward purchases at Sportsman’s Guide.

Sportsman's Guide Visa Card Art

Sportsman’s Guide Visa Benefits

Bonus for Signing On

The Sportsman’s Guide Buyer’s Club Rewards Visa Credit Card has a nice bonus for signing up. Cardholders who spend $500 outside Sportsman’s Guide in the first three months get a bonus. You’ll get a $40 Reward Certificate toward any purchase at Sportsman’s Guide. Earning this bonus works out to spending just $167 per month. It’s very doable, especially when you consider all of the small things you buy each month. Use it in the grocery stores, at gas stations, to pay bills, and more.

Optional Buyer’s Club

This $40 bonus for signing on equals your $40 annual fee to become a Buyer’s Club member. You can save up to 12.5 percent on every purchase you make at The Guide. You’re eligible for 10 percent off every purchase you make along with five percent off ammo and guns.

Members also get access to the Buyer’s Club 4-Pay Plan. This plan gives you four months of interest-free payments on orders over $150. Finally, Buyer’s Club members also get an instant rebate each year. You’ll automatically get two $10 coupons when you renew your membership. With these coupons, it is like getting half off your Buyer’s Club membership each year.

One Percent Cash Back

The Sportsman’s Guide Visa gives you a flat one percent cash back rate. It applies to every purchase you make on everyday items outside of the Sportsman’s Guide store. As long as the vendor accepts Visa, you can use your card. Your points stack up to Rewards Certificates that you spend at Sportsman’s Guide.

No Annual Fee

Regular cardholders won’t pay an annual fee unless they upgrade to the Buyer’s Club. This means that you get a rewards card with no annual fee. Finding a rewards card with no annual fee is rare. Yes, it’s only one percent on everyday purchases, but it can stack up.

Sportsman’s Guide Visa Drawbacks

Brand-Specific Card

Although you can use this card for everyday purchases, it restricts how you redeem them. The Sportsman’s Guide Visa is a company branded card. This means that you have limited options when it comes to using your rewards. You must use them to purchase items through the Sportsman’s Guide online catalog and nowhere else. If you don’t spend a lot on outdoor gear, this could be difficult.

Restricted Savings

You do save by having this card. But, Buyer’s Club members save the most and have the most opportunities. Buyer’s Club members get huge savings, exclusive discounts and deals, payment plans, and more. Regular cardholders are not offered these perks. To get them, you have to pay the $40 annual fee and become a Buyer’s Club member.

Only One Physical Sportsman’s Guide Outlet Store Location

Sportsman’s Guide has exactly one physical Sportsman’s Guide Outlet store location. It’s connected to their warehouse in St. Paul, Minnesota. Otherwise, you have to shop the Sportsman’s Guide online catalog. While this isn’t terrible, you don’t have the convenience of trying things on before you buy them. You can travel to the Sportsman’s Guide Outlet Store, but this could be hours from your residence.

Who Would and Wouldn’t Benefit from the Sportsman’s Guide Visa

You would benefit from having the Sportsman’s Guide Visa card if:

  • You don’t mind shopping the Sportsman’s Guide online catalog.
  • You’re a buyer of a lot of outdoor gear.
  • You pay to become a Buyer’s Club member.
  • You want a flat rewards rate on everyday purchases.

Individuals who would not benefit from applying for and getting the Sportsman’s Guide Visa include:

  • People who don’t buy a lot of outdoor gear.
  • People who can’t or won’t pay to become Buyer’s Club members.
  • You like flexibility when you redeem your rewards.
  • You want a higher reward rate.

Bottom Line on the Sportsman’s Guide Buyer’s Club™ Rewards Visa® Credit Card

The Sportsman’s Guide Visa is a solid retail card for outdoor enthusiasts. You have the potential to save a lot of money on purchases you would have made anyway. However, people who want more flexibility might want to look elsewhere due to the restrictions.

My personal experience as a Sportsman’s Guide Visa Cardholder

I grew up as a kid whose family would plan fishing trips. Mainly my Father and Brother would often go fishing. Many times our family vacations would be planned around places that both offered attractions and fishing spots. So I was pretty much the younger kid tagging along on their fishing trips. I have fished myself and know my way around fishing gear and basic casting. So you probably think the Sportsman’s Guide Visa is not the right credit card for my lifestyle. For the most part accurate but that is not the reason I applied for this credit card.

The Sportsman’s Guide Visa Card is one of the most popular credit cards offered by Comenity Bank. Comenity bank is very well known for providing a soft credit inquiry technique known as the Shopping Cart Trick. All is required to get approved for some (not all) Comenity Bank-issued credit cards is the last four digits of your social security number. The reason this Visa credit card was right for me was that I was rebuilding my credit. This is one of the few major issued credit card offers that work using the Shopping Cart Trick.

How I used the Shopping Cart Trick to Get Approved for the Sportsman’s Guide Buyer’s Club™ Rewards Visa® Credit Card

I Started first by identifying which Shopping Cart Trick offers were the best for me. I did so much research that I wrote an entire blog post article about it. This Shopping Cart Trick article has been my most viewed article on CreditFast.com by far. I explain the whole Shopping Cart Trick process. If you want to know the steps you need to take I recommend that you read this article. Not only that but most important I listed specific Comenity store credit card offers that I was able to get a soft pull application pop-up. This I consider my Shopping Cart Trick credit fast track approval list. I did the hard work of finding the easiest approved Shopping Cart Trick Comenity cards, so you don’t have to!

Caution When Using the Shopping Cart Trick Offered by Comenity Bank

Please note I only completed two of these credit card applications. I picked the two Comenity store credit cards that were most useful for my needs. I only open accounts which I will use long term. Please also note if you open too many credit card accounts some or all may be closed down by Comenity. So wisely choose when applying the Shopping Cart Trick.

Sportsman’s Guide Visa Pre Approval

Soft pull credit card applications were important to me because I was in the process of rebuilding my credit. I needed new lines of credit to rebuild my credit. I did not want hard pull credit inquiries to lower my credit score. After reviewing the best offers available to me, I decided that the Sportsman Guide Visa would be the best credit card offer. Is this method a Sportsman’s Guide Visa pre approval? No not in a traditional sense, but it works in a similar way. Much like with a traditional pre approval Comenity will do a look see or soft inquiry on your credit report. You receive no hard credit inquiry and credit approval tends to be much easier than with other major credit cards.

Did the Sportsman’s Guide Visa Credit Card Prove Useful to Me Beyond Building My Credit?

The answer to this was yes. This card offered further perks that go beyond the benefits I listed at the beginning of this article. I honestly thought this would only be a no annual fee major credit card that would rebuild my credit. I did not think I would have much use after that other than keeping this card active on my credit report and helping with my age of accounts.

SportsMan’s Guide Cardholder Benefit 1:

During the Christmas holiday season of last year, I received the opportunity to earn even more reward points. This special offer was to earn even more points for just dining at restaurants. This is the thing most people don’t understand about their reward credit cards. Many of these reward cards offer special promotion periods to earn even more credit card rewards. So you shouldn’t just cut up some credit cards because you believe that that they have outlived their usefulness. I have many other credit cards that have offered me additional benefits at no cost to me. Further, I am earning free rewards faster as with this example.

3X Reward Points Towards Dining With Restaurants Using The Sportsman's Guide Visa Credit Card

SportsMan’s Guide Cardholder Benefit 2:

So I am saving the very best for last! What is one of the most sought after offer credit card deals on the Internet? The answer to this is a balance transfer credit card offering a 0 interest intro with no balance transfer fees. Typically the vast majority of all balance transfer credit cards require that you pay a 3% balance transfer fee. If you are a Sportsman’s Guide Visa cardholder, they will periodically offer this extraordinary 0 fee balance transfer promotion.

I only was presented with this balance transfer offer last May of 2018. I wanted to know more about it, and the Comenity Sportsman’s Guide representative told me that they periodically offer this 0 balance transfer fee on the Sportsman’s Guide credit card. So I believe that I was only offered this now because I was a cardholder for over a year. My account was also in good standing. For me, this was the best benefit that the Sportsman’s Guide Visa Card has offered.

Sportsman's Guide Visa 0 Balance Transfer Fee 0 Interest

The Sportsman’s Guide Visa Helped Build My Business

You see I have built my entire business with the use of credit cards. I am a credit card blogger and vlogger (YouTube Channel CreditFast). I should know how to use credit cards correctly right??? Yes, and I have built my entire blog/vlog portion of my business using credit cards. I am not going to lie and say it is easy. You need to carefully plan all spending and make all your payments on time and avoid interest. Credit cards like the Sportsman’s Guide Visa offer special 0 interest promotions, but you need to follow the terms carefully.

How I Exactly Used the Sportsman’s Guide Visa Card to Build My Business

I used my Sportsman’s Guide credit card to help purchase camera equipment. First I use reward earning credit cards to make the purchases. For example, I bought camera gear from Amazon on my Amazon Rewards Visa Signature Card from Chase. Then I transferred my balance to my Sportsman’s Guide Visa Card. So this is one example of how I earned 3% rewards on my purchases and 0 interest at the same time. This same principle can be applied if you are a consumer and need to make a large purchase(s) with any reward credit card.

Consumers Can Benefit With a Balance Transfer Using Their Sportsman’s Guide Visa Card

Again you don’t need to be a business owner. These same principles can be applied to anyone offered the Sportsman’s Guide Visa Card balance transfer offer. Balance transfer offers when utilized correctly can help reduce interest charges or obliterate them. So I recommend significantly having in place a plan to pay down your balance before the 0 APR intro ends. If you do this and follow through with your plan, this will be a brilliant way of handling credit debt.

Comenity Bank Shopping Cart Trick Application for the Sportsman’s Guide Visa

Sportsman’s Guide Credit Card Application

Final Thoughts On My Experience with the Sportsman’s Guide Buyer’s Club™ Rewards Visa® Credit Card

I am happy to report that the Sportsman’s Guide Visa card has gone far beyond my initial expectations. This card proved more useful than just being a major credit card to help rebuild my credit. Now that I have restored my credit and have good credit I plan to keep the Sportsman’s Guide credit card. Who knows? Sometime soon I may even return to the lake. Most likely with a new fishing pole I received by redeeming points earned through my Sportsman’s Guide Visa Card!

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Capital One Quicksilver Card Review

Capital One Quicksilver Card Compared With Capital One Platinum

Capital One Quicksilver Card Review

The Capital One Quicksilver Card is a great way for people to maximize their rewards. This simple card has a straightforward 1.5 percent cash back on everyday purchases. There are also very few hoops to jump through to get this card. We’ll cover the pros and cons of having the Capital One Quicksilver Card below. This will help you figure out if this card is a good choice for your lifestyle.

Capital One Quicksilver Benefits

Rewards Rate

One of the biggest Capital One Quicksilver card benefits is the rewards rate. You get a generous 1.5 percent cash back. This includes each purchase you make. This is higher than quite a few rewards cards. They usually offer rotating categories or one percent cash back. This higher rate means that you can earn rewards at a quicker pace. It also encourages you to use your card more often.

Limitless Rewards

Your rewards don’t expire as long as you have an account open and in good standing. This is great news for people who like to stack their rewards. You can save your rewards all year and cash them out when you want to make a larger purchase. Redeem your rewards as a paper check, gift card, or statement credits. You can also set up automatic redemption when you reach $25, $50, $100, or $200 in rewards.

No Annual Fee

Another point that makes the Capital One Quicksilver Card stand out is no annual fee. Every reward you earn will be pure profit. It’s great for people who don’t plan to use their card frequently. This makes the Capital One Quicksilver MasterCard a good no annual fee low usage credit card. You won’t have to worry about earning enough rewards to justify the annual fee. No annual fee is rare for a rewards card. They usually range between $50 and $100 and up.

Introductory APR

You get zero percent APR for the first 15 months. This introductory offer is good for every purchase and balance transfer you make with this card. You’ll be able to buy a more expensive purchase and pay it off over 15 months. It’s also a great time to pay down some of your debts with a balance transfer.

CreditWise Access

The Capital One Quicksilver Card gives cardholders access to Capital One CreditWise. CreditWise is a variety of tools that help you improve and understand your credit. You also get free credit score monitoring. It’ll show up on your dashboard with your monthly statement. CreditWise is an easy way to learn about your credit. It also teaches responsible use.

Fringe Benefits

Cardholders with the Capital One Unsecured MasterCard get access to several fringe benefits. These benefits are nice perks for people who like to travel or use the card for entertainment. Frequent travelers get 24/7 concierge service and travel booking assistance. There is also emergency card replacement available for stolen or lost cards. Finally, cardholders get VIP or priority access special golf outings, concerts, and sporting events.

Bonus for Signing Up

The Capital One Quicksilver Cash Rewards Credit Card comes with a bonus for signing up for the card. You have to spend just $500 in the first three months after you open an account. You’ll get a $150 statement credit for doing so. That works out to around $167 per month. That’s more than most people spend on groceries alone.

No Foreign Transaction Fee

The Capital One Quicksilver Card can use it when they travel. There is no foreign transaction fee attached to this card. This means that you can use it through non-US banks without a penalty. It’s also great for people who do a lot of international shopping or shipping.

Capital One Quicksilver Card Drawbacks

Credit Needed

One of the biggest drawbacks of this card is the credit requirements. You want to have very good or excellent credit before you apply for it. The Capital One Quicksilver approval odds fall drastically if you have fair/average credit or lower. You want to save your credit and not apply if you don’t meet the credit requirements.

Reward Redemption Restrictions

You do have the potential to earn a lot of rewards with this card. However, it restricts you on your redemption options. Also, you can’t redeem your rewards for travel, merchandise, or non-cash options. So this can make it difficult to get the most out of your card. You could redeem your rewards as a paper check and apply them that way.

Fixed Reward Rate

There are no rotating categories with high reward percentages like with the Discover it® Card and Chase Freedom® Card. Everything is a flat 1.5 percent cash back. It may take you a long time to earn a decent amount of rewards. This is especially true if you only use the card sporadically. However, they don’t ever expire. You could let them stack for years and then redeem them.

Higher APR

Your APR will start once the promotional period ends. This is a variable rate that starts at 14.74 percent and goes up to 24.74 percent. This can add up quickly if you plan to carry a balance from month to month. Also, the APR amount depends on your credit score. Even people will excellent credit will pay slightly more for this card. It’s typical to have a higher APR on a reward card like the Capital One Quicksilver Card.

Approval Odds With the Capital One Quicksilver Card

We mentioned that you need good to excellent credit to qualify for this card. This makes the Capital One Quicksilver approval odds lower for a lot of people. It dings your credit report each time you apply for it. The lenders look for any outstanding accounts, large credit problems, and your payment history. They’ll deny your application if they see any large issues or patterns.

Capital One Quicksilver vs Platinum

You should have a good idea on whether or not you want to apply for the Capital One Quicksilver Card. I’m now going to tell you about my experience with both of these cards. Hopefully, this will solidify whether or not the Capital One Quicksilver MasterCard is right for you.

I had poor to fair credit when I received an invitation offer for the Capital One Platinum MasterCard. This was good enough to start with the Capital One® Platinum Credit Card and receive a $300 credit limit. This gave me all of the tools that I needed to build my credit score. This is also a great first credit card because it’s straightforward with few frills.

Upgrade to Capital One Quicksilver Card and Receive a Credit Line Increase

There are no rewards or a bonus for signing up with the Capital One Platinum. However, there is also no annual fee with this Capital One MasterCard. It also gives you the opportunity to upgrade. So this is what sold me on these particular credit cards. All I had to do was make five payments in a row on time. Also after five on-time payments, I received a generous credit line increase. I went from a $300 credit line to $2300.

Capital One reviewed my account after a few short months. I was eligible for an upgrade at this point. So I decided to stay with Capital One because they initially gave me a great deal with the Capital One Platinum Card.

I decided to upgrade Capital One Platinum to Quicksilver. I loved that this card was also very straightforward and easy to understand. The Capital One Quicksilver benefits were also significant for a rewards card. I’m able to get 1.5 percent cash back on my everyday purchases. I can also let the rewards stack up for as long as I want.

Overall, I’m extremely happy with my Capital One experience. The Capital One Platinum Card is a great foundation to build your credit. Additionally, the upgrade to the Capital One Quicksilver Card was fast and easy.

Comparing the Capital One Quicksilver Card to the Capital One Platinum Card

Capital One
Quicksilver
Capital One
Platinum
Annual Fee $0 $0
Bonus for
Signing Up
$150 $0
Credit Needed Good & Above Fair
Foreign Transaction
Fee
None None
Reward Program 1.5% Cash Back None
Penalty Rate None None

Capital One Quicksilver Card is Best For:

  • This card is best for people with good to excellent credit. People who want a straightforward cash back card like this card. It’s also good for people who routinely travel or ship outside the United States.

Capital One Platinum Card is Best For:

  • This card is best for people with fair credit. Anyone who wants to build their score and upgrade to a card with the same lender can benefit. It’s also a great choice for people who want a simple credit card.

Comparing the Capital One Quicksilver Card and Capital One Platinum Card Bottom Line

The Capital One Quicksilver MasterCard is a solid choice. It’s very simple to use. You get access to a variety of tools to help you build and monitor your credit. You also get rewards for using it on everyday purchases. So anyone with excellent credit can benefit from having and using this card.

The Capital One Platinum Card is a solid choice for people who want to build their credit. It’s simple to use. Also, the opportunity to upgrade to the Capital One Quicksilver Card is a huge perk. Both of these cards can help you achieve excellent credit.

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Airline Credit Card Offers – Are Airline Credit Cards Worth It?

Are airline credit card offers the best way to earn free travel?

Airline Credit Card Offers and Answering the Question – Are Airline Credit Cards Worth It?

Do your summer plans include travel? Perhaps you’ve spent time in an airport recently. If you have, you’ve most likely seen airline credit card offers. This can lead you to wonder are airline credit cards worth it or if you should just skip it. So the simple answer is that it depends on how often you travel with the credit card’s airline.

In reality, this is more complex, but it boils down to brand loyalty. How often do you fly one particular airline? If the answer is a lot, airline credit card offers may be worth it for you. We’ll go over when airline credit cards are worth it. We’ll touch on the best travel credit cards to earn free travel as well.

How Do Airline Miles Work?

So the first thing you have to understand is how airline miles work. This will help you choose the best airline miles credit cards to suit your needs. Airline-branded credit cards work for the specific airline that’s linked to them. When you fly this airline and use this card, you gain rewards.

You can use these rewards for free tickets, seat upgrades, meals, in-flight entertainment, and more. So you typically earn around one mile for every dollar that you spend. You have chances to earn more for purchasing things directly from the airline or its partners.

Are Airline Credit Cards Worth It?

Airline credit card offers are good choices if:

  • You Check Bags: The typical cost of one checked suitcase is around $25 one way. If your airline credit cards give you a free checked bag, you save $50 round trip. So say that your card’s annual fee is $95. Two trips with a checked bag will give you enough rewards to pay for the airline card annual fee.
  • You Fly With a Specific Airline: Frequent flyers that are loyal to one airline benefit from airline credit card offers. You get more opportunities to earn more perks, discounts, and miles. Bonuses and easier more frequent redemption periods can pay for a trip.
  • You Need Travel Perks for Your Frequent Travels: The best travel credit cards that are airline specific give extra rewards. Also, you may gain access to airport lounges as you travel. Seat upgrades, priority boarding, and discounts are other perks that you get for frequent travels.

Airline Credit Card Considerations and Drawbacks

There are a few pieces that you want to consider when you’re shopping for the best credit card for airline miles. Keeping these in mind will help to ensure that you don’t get a nasty surprise later on.

1. Sign-Up Bonus Spending Amount

Many credit cards with airline miles offer a nice sign-up bonus. This entices people to sign up for the card in the first place. The average value hovers around $400. However, you want to pay attention to what you have to spend. The average amount you’ll spend to get your bonus is around $1,380. Some cards require you to spend between $3,000 and $5,000. In this case, the bonus doesn’t outweigh what you spend to get it.

2. Annual Fee

Even the best miles credit card has an annual fee. This is a rewards card, and this means that the annual fee is usually higher. So a lot of airline credit cards have an annual fee that ranges from $90 to $130. You pay this every year whether you actually use the card or not. The goal is to make the rewards outweigh the fee. This can be easy if you travel a lot and this will make paying the annual fee worth it.

3. Interest Rates

Carry a balance from month to month, and you’ll pay interest. Again, this is a rewards card. This means that both the annual fee and the interest rates are usually higher. This applies even if you have excellent credit. Generally, your interest rates range between 15 to 22 percent. If you carry a balance, this can add up very fast. It can also eat into your rewards because you pay more.

4. First Year Value Drop

The time to use your airline miles credit card the most is in the first year. This is when most lenders waive the annual fee and give you bonuses. After the first year is up, the reward value drops significantly. You’ll have to earn enough rewards to justify the annual fee. Also, you won’t have any bonuses to fall back on if you fall short. This can put a large dent in the travel discount value of your airline miles credit card.

Airline Miles Credit Card Examples

If you’re curious about airline-specific credit cards, we have two for you.

United TravelBank Credit Card

  • If you frequently fly United Airlines, look into the United TravelBank Chase Visa. It stands out because it has no annual fee. You get TravelBank cash at a rate of 2 percent for every dollar spent on airline tickets through United. You also get 1.5 percent TravelBank cash for everything else. Pay for food and beverages on your flight and get a 25 percent statement credit. You also get price protection, travel insurance, and no foreign transaction fee.

JetBlue® Plus MasterCard Barclaycard

  • For anyone who flies JetBlue, this card has huge earning potential. You get six points per dollar you spend with JetBlue. You get two points for everyday spending, and it’s unlimited rewards. There is no blackout dates and no foreign transaction fee with the JetBlue® Plus MasterCard. You’ll also get a 50 percent statement credit for any entertainment, cocktails, or meals you purchase in-flight. If you spend $50,000 per year, you’re eligible for the TrueBlue Mosaic rewards program.

Question Answered: Are Airline Credit Cards Worth It?

General Travel Cards

If you don’t fly a lot, you may want a general travel card. They don’t offer the specific perks that you get with airline credit card offers. However, they do have greater flexibility for rewards. You can earn rewards with every purchase you make. This includes everyday items.

A general travel card is a good choice if:

  • You Budget When You Travel: If you like traveling on the cheapest rate, this card can help. You simply book the flight and use your rewards to cover the cost. Depending on the card, you can earn two miles for every dollar you spend.
  • Match the Rewards to Your Travel Style: Strategy when you travel pairs very well with general travel cards. If you like to figure out how to maximize your rewards with a flexible card, a general travel card is a good choice.

General Travel Card Examples

If the answer to the question: Are airline credit cards worth it is no then CreditFast has other credit offer recommendations. We have what is arguably some of the best general travel rewards credit cards.

Chase Sapphire Preferred® and Chase Sapphire Reserve® Card

  • These general travel cards from Chase come with huge perks. Compare the Chase Sapphire Preferred® and Reserve® Cards to learn which card is best for you. These two Sapphire travel reward cards from Chase offer some of the best travel rewards. Sapphire cards can earn rewards that can be redeemed for airline travel. Sapphire Reserve offers $300 travel reimbursement each year. Your Reserve card grants you complimentary lounge access at most major airports. Also, Chase will reimburse Reserve cardholders for TSA Precheck or Global Entry fees. So these can be huge airline travel perks. Depending on your needs a Chase Sapphire card can be better than any of the airline credit card offers discussed.

Capital One® VentureOne® Rewards Credit Card

  • This general travel card comes with no annual fee. Once you get your bonuses, you keep them. They don’t expire, and you can’t lose them unless you close your account. You can earn unlimited miles and rewards. The Capital One® VentureOne® Rewards Credit Card gives you 1.25 miles for every dollar you spend on everyday purchases. Additionally, you can use your miles on any airline and hotel. Finally, you also get 20,000 bonus miles by spending $1,000 in the first three months.

Airline Credit Card Offers Bottom Line

So, are airline credit cards worth it? If you choose the correct airline credit card offers, yes. Furthermore, the rewards can outweigh the costs very easily if you do your research. So take your time and look over different airline credit card offers. Finally, match the offer that fits your spending the closest and enjoy the air travel rewards.



CreditFast has reviewed the best travel credit cards on the market. Some of the credit card offers are from our advertising partners. CreditFast has objectively reviewed the features and benefits of each credit card. We have chosen travel and airline credit card offers based on our editor’s recommendations.

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Citi Secured MasterCard Review Pros and Cons

The Citi Secured MasterCard helps to repair credit.

Citi Secured MasterCard Pros and Cons

The Citi Secured MasterCard is a simple card for people who have poor credit. It doesn’t come with a lot of extras, but it’s a solid card. If you have poor credit, it’s a good way to start rebuilding your credit score. We’ll go over the pros and cons of the Citibank Secured Card, so you know if it’s an option you want to consider. If not, there are other secured cards available.

Top 3 Secured Credit Cards

Citi Secured MasterCard Pros

No Annual Fee

The CitiBank Secured Credit Card doesn’t have an annual fee. This is great because you have a lower credit limit with this card. Justifying an annual fee with this card would be hard. Citi understands this, and they don’t charge one with this card. You can use the card sparingly and not have to worry about getting money to pay extra fees.

Flexible Starting Deposit

Unlike a lot of secured cards, the Citi Secured Credit Card has a flexible starting deposit. The minimum amount is $200 to open a card. But, this deposit amount goes up to $2,500 depending on your credit. This is huge for a secured card because a lot of them max out at $500 to $1,000 for a maximum deposit. It gives you more freedom and a higher spending limit.

Reports to Three Credit Bureaus

You need a card that reports to all three major credit bureaus. With the Citi Secured MasterCard, you’ll get it. Each month, Citi will report your credit card activity. As long as you’re using the card responsibly, your FICO score can improve. It may take a few months of on-time payments, but it will start to go up. Because it reports to all three credit bureaus, you’ll get consistent improvement.

Insurance Perks

If you travel, you want to take the Citi Secured Credit Card with you. It’ll help you get a few perks while you’re traveling. These perks include things like travel accident insurance and rental car insurance. You won’t have to pay extra for these perks either. Citi gives them to you for having and using this card. So this allows you to free up a little more of your travel budget for recreational spending.

Citi Concierge Service Access

Another great perk you get with this card is access to Citi Concierge service. This free service will help you as you travel. It gives you access to 24 hours a day, 7 days a week hotel booking help. Citi will help you find a hotel at the best rate available and book it for you for free. It also helps you book tickets to events.

Price Rewind

Another great perk is the Citi Secured MasterCard Price Rewind program. You make your purchases and register them with Citi online. For the next 60 days, Citi will look for lower prices. If it finds them, you’ll get the difference. This can appear as a statement credit on your account.

Introductory APR

Another thing that sets the Citibank Secured Card apart is the introductory APR offer. For the first 12 months, you’ll pay a zero percent APR on every purchase you make. It also applies to balance transfers. So, if you have a small amount of debt you can transfer and pay it off. This is great for people who want to make purchases and make sure they can pay them off without interest.

Free FICO Score

The Citi Secured MasterCard gives you free access to your FICO credit score. This allows you to monitor your credit as your build it. It also gives you a chance to monitor your credit history and look for fraud. You’ll be able to watch your score rise as Citi reports your card usage habits.

Wide Acceptance

As a MasterCard, a lot of vendors accept the Citibank Secured Credit Card. Vendors all over the world accept MasterCard. You can use it online or in-person. It’s good for entertainment, dining, transportation, shopping, and much more. This stops you from having to carry two different cards around. It also gives you more opportunity to use it and build your credit.

Citi Secured MasterCard Cons

High APR

Once the introductory offer ends, you’re subject to a high APR. This rate will vary between 14.49 percent and 23.99 percent. The rate depends on your credit score. It can add up quickly if you carry a balance. There is also a penalty APR if you miss a payment of 29.99 percent. You can avoid this by not carrying a balance from month to month.

No Rewards

This is a secured card, and it doesn’t have any rewards. So, you won’t enjoy anything like cash back for spending. This is typical of a secured card because you’re trying to build your credit. Once your credit is good enough, you can apply for various rewards cards. It might take a while, but it’s worth it.

Restricted Spending

Secured credit cards come with quite a few restrictions. You’ll have a very restricted spending limit. So you only want to use 30 percent of your card’s available balance. If your credit line is $200, you should only spend $60 at the most. This limits how useful the card is to you. It won’t be very useful in emergencies.

Cash Advance Fee

This card also comes with a very large cash advance fee. If you decide to take out a cash advance, you’ll pay a 26.74 percent fee. This goes for each time you take out a cash advance. This fee means that you’ll have to pay it back as well as the amount you took out for the advance. It can add up very quickly. This is also a fast way to slide into debt and have trouble getting back out.

Bottom Line on the Citi® Secured Mastercard®

The Citi Secured MasterCard is a no-frills option for people who need to rebuild their credit. It gives several perks that are unusual for secured cards. There are a few drawbacks, but every card has drawbacks. So if you’re considering rebuilding your credit, check out the Citi Secured MasterCard. It can help you get your credit back on track.




CreditFast has reviewed the best secured credit cards on the market. Some of the credit card offers are from our advertising partners. CreditFast has objectively reviewed the features and benefits of each secured credit card. We have chosen credit card offers based on our editor’s recommendations.

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