Capital One Quicksilver vs Chase Freedom Unlimited

Capital One Quicksilver vs Chase Freedom Unlimited - Which is the better carsh back credit card?

Capital One Quicksilver vs Chase Freedom Unlimited Side by Side Comparison

The Capital One Quicksilver card and the Chase Freedom Unlimited card are similar. They identical rewards rates. This makes it even more difficult to decide which one is best for you. However, they do differ in a few of their features. This is what you’ll use to decide which card you prefer.

First, we’ll compare the cards at a glance and stack up their features. We’ll go into a short breakdown of the card’s differences as well. Our goal is to point out the main benefits and drawbacks with each card. This will give you a good idea on what card you should pick.

Comparing Capital One Quicksilver to Chase Freedom Unlimited
Capital One Quicksilver Chase Freedom Unlimited
Annual Fee None None
Balance Transfer 3-percent 3-percent
(Minimum $5)
Intro APR 0-percent
(First 15 months)
(First 15 months)
Other Benefits No foreign
transaction fee
$25 bonus for adding
an authorized user who makes a
$25 in the firs three months
Rewards Unlimited 1.5-percent
cash back
Unlimited 1.5-percent
cash back
Sign-Up Bonus $150 when you spend
$500 in the first
three months
$150 when you spend
$500 in the first
three months
Variable APR 16.24 to 26.24-percent 17.24 to 25.99-percent

Breaking Down the Chase Freedom Unlimited Card

The Freedom Unlimited card is the slightly newer of the two cards. It appeared in early 2016 as a solid cash back rewards card. It’s great for everyday spending and purchases inside US banks. You can redeem these rewards through statement credits or gift cards.

So you don’t have to keep track of any confusing categories or reward tiers. It’s a straight 1.5-percent cash back reward. Use it at the grocery store, dining, gas stations, entertainment, and more.

This card does come with a foreign transaction fee, and this is a drawback of the Chase Freedom Unlimited card. This means that you pay 3-percent of your purchase price for every item you buy through a non-US bank. It includes online purchases as well. So if you travel and use this card, it can stack up very fast. The total will appear on your statement next month.

Chase’s 5/24 Rule

A second large drawback of this card is at 5/24 rule. It can exclude quite a few potential customers, or delay them from opening an account. The Chase 5/24 Rule appeared to stop credit card churning. It’s very simple and straightforward.

Basically, if you’ve opened five or more credit card accounts in two years, you have to wait. Chase won’t allow you to open an account, even if you pass their credit requirements. This can result in an unnecessary ding on your credit report. If you’re an authorized user on someone’s account, this counts toward your five card limit. Business credit cards count if they’re on your personal credit report. Visa or MasterCards that are store-branded also count.

If you apply and get a denial, this won’t count toward your limit. So this rule just isn’t Chase either. Some other credit card lenders also restrict the number of cards you can open in a two-year period. It does turn a lot of people away who don’t or can’t wait to open a card, myself included. However, not all Chase cards follow the 5/24 rule. If you’d like to know which Chase cards don’t use the 5/24 rule, our Chase 5/24 Rule article.

Breaking Down the Capital One Quicksilver Card

Next up is the Quicksilver cash back card. You get this card by upgrading from the Capital One Platinum card if you have fair credit or average credit. If you don’t quite have the credit to apply for the Quicksilver card, try the Platinum one first. This way, you can upgrade to the Quicksilver card when your credit improves.

This card also comes with an unlimited 1.5% cash back rewards rate on every purchase. It’s not as restrictive as the Chase Freedom Unlimited card though.  Also, there is no foreign transaction fee with this card. This means it’s an excellent choice for travel. You can use your card anywhere in the world with no excess fees.

Also, there are numerous fringe benefits for traveling that come with this card as well. For example, it gives cardholders concierge service 24 hours a day, 7 days a week. So you get travel booking assistance and priority or VIP access to events. These events include sporting events, golf outings, and concerts.

Cardholders with the Capital One Quicksilver card get access to CreditWise. CreditWise helps you monitor your credit. So you’ll be able to catch fraudulent activity and monitor your score from the app. This is an entirely free perk for cardholders with the Quicksilver card.

My Experience Upgrading From Platinum to Quicksilver

Personally, I started out with the Capital One Platinum card to build my credit. The Platinum card was solid, but it didn’t offer any rewards. I wanted a card that was good for travel outside of the United States too. So I quickly upgraded to the Quicksilver card once my credit reached high enough levels. I wasn’t disappointed either!

I traveled outside of the United States twice with the Quicksilver card. Truly I enjoyed that it was straightforward and easy to use. I earned rewards for every purchase I made while traveling with no foreign transaction fee. Overall, I’d recommend both the Platinum and the Quicksilver card for building your credit.

Which Card is Better on a Day to Day Basis Quicksilver or Freedom Unlimited?

Since these cards are so similar, it can be hard to decide between them. Neither has bonus categories or limits, and they both have a 1.5-percent rate. However, their rewards redemption is where you start to see a difference.

Capital One Quicksilver
You get unlimited cash back. You’re able to redeem it for a check, gift cards, or statement credits. There is no minimum redemption, and you can stack rewards as long as you’d like.

Chase Freedom Unlimited
With this card, you earn Chase Unlimited Rewards Points. They’re equal to a penny apiece, and you earn 1.5 points for every dollar you spend. You can redeem them for gift cards, statement credits, or deposits into your bank account. You’re also able to transfer these points to other Chase cards that offer Ultimate Rewards points. If you do this, the points are worth 25-percent more. You can use them for flights and hotels at a 1:1 ratio.

Which Card Wins?
They’re both solid options. The Capital One Quicksilver is better for people who shop both inside and outside of the United States on a routine basis. The Chase Freedom Unlimited is better if you have other Chase cards you can transfer your points to.

Which Card is Better for Travel?

Again, both of these cards are solid for rewards. You can even make them both work to travel with a little finagling. It all depends on your preference.

Capital One Quicksilver
You’ll get no foreign transaction fees and a variety of perks for traveling with this card. It’s also a Visa card. This means that you have a wider acceptance around the world when you travel with it. You can use it as much as you want without worrying about paying for it later in additional fees.

Chase Freedom Unlimited
This card has foreign transaction fees. However, you can convert your points to another Chase card that has Unlimited Rewards points. This could be useful if you don’t mind going through the additional steps of transferring the points over. It could save you on hotel and flight costs.

Which Card Wins? Capital One Quicksilver or Chase Freedom Unlimited?
The Capital One Quicksilver card is the clear winner in the travel category. Along with the various perks, no foreign transaction fee puts in a league above Chase. So it’s a great option for a low-frills travel card.

CreditSoup® Cash Rewards Cards

Bottom Line: Capital One Quicksilver vs Chase Freedom Unlimited

Both cards are good options for people with decent credit. Chase Freedom Unlimited does toss in a few extra things for new cardholders. However, the Capital One Quicksilver is excellent for travel. Finally, it’s up to you to decide which card suits your lifestyle better and choose it.


Wells Fargo Propel Card Review – Amex Propel

Wells Fargo Propel Card Pros and Cons Amex Propel

Wells Fargo Propel Card

Most people who want a credit card don’t want to have to pay lots of money for said card. This rules out a lot of rewards cards because they come with large fees. However, Amex Propel is a different type of card. The Wells Fargo Propel Card is simple, straightforward, cheap, and yet very rewarding.

So if you’re curious as to what the Wells Fargo Propel American Express card can do for you, you’re in the right place. We’re going to go over the pros and cons of the Wells Fargo Propel card in this article. You’ll know if the Amex Propel Card is a good card for you or not by the end of this post.

Wells Fargo Propel American Express Card Pros

1. Introductory Bonus

The Wells Fargo credit card has an excellent introductory sign-up bonus offer for new members. To reach it, you have to spend $3,000 within the first three months. However, this sign up bonus can be worth it to do this. You’ll earn 30,000 bonus points. This works out to around $300 in redemption value. As long as this aligns with your normal spending habits, it’s worth it.

2. No Annual Fee

This is a rewards card that keeps on giving. The Wells Fargo Propel card comes with absolutely no annual fee. This means that any rewards you earn are yours. You’ll never have to justify keeping this card around. It also removes the pressure that comes with trying to get enough rewards to match the annual fee.

3. Large Rewards Opportunities With the Wells Fargo Propel Card

The Wells Fargo credit card comes with very large rewards opportunities in a lot of categories. For example, you earn three-times the points for ordering out and dining in. You’ll get another three times the points for gas stations and transit. Another three times the points come from travel. This includes airfare, homestays, hotels, and car rentals. It comes with one times the points on everything else.

4. Introductory APR

The introductory APR on this card is another big draw for people looking for a simple but rewarding card. What’s more, it applies to both purchases and balance transfers. You’ll pay zero percent on balance transfers and purchases for the first 12 months. There are balance transfer fees. However, you can even these out with the interest you’ll save.

5. Travel Insurance Options

Travel and auto insurance come with the Wells Fargo Propel card. This is excellent for people who plan to travel. You’ll get travel accident insurance when you book your travel with the Wells Fargo Propel card. It also comes with auto rental insurance. This can help to save you a little money when you rent a car at your destination.

6. Cellphone Insurance

All you have to do to get the cellphone insurance is to pay your bill with Propel Amex card. This allows you to opt into their cellphone insurance. They’ll cover the costs associated with losing, replacing, or damaging your phone. This does have a maximum amount of times you can use it per year though.

7. Zero Fraud Liability

If someone uses your card without your consent, you won’t pay a dime. This card covers cardholders with zero fraud liability. You do have to report this within a set amount of time, but it’s worth it. With all of the fraud that goes on, it gives you peace of mind knowing you’re not liable.

8. No Foreign Transaction Fees

This card is excellent for travel, including international travel. You’ll be able to use your card with non-US banks and not pay extra. There are no foreign transaction fees with this card. This can help you avoid sticker shock when you come back from a vacation. Use your card as much as you want without worry.

9. Free Credit Score

You want an excellent credit score. In order to get this, you have to monitor it. The Wells Fargo Propel card comes with free credit score monitoring. You’ll be able to log in whenever you like. This can help you understand which factors go into your credit score. You’ll also be able to catch fraud faster to mitigate the damage.

10. Wells Fargo Go Far Rewards Portal

Redeeming your rewards is fast and easy with the Wells Fargo Go Far Rewards Portal. It keeps track of your rewards as you earn them. You simply log in and choose how you’d like to redeem. You can redeem them for cash, gift cards, or travel through the portal whenever you’d like.

Wells Fargo Propel American Express Card Cons

1. Variable APR

The APR on this card is variable. This means that it can fluctuate if you miss a payment. The APR starts at 14.74-percent and goes up to 27.24-percent. This can be extremely high if you plan on carrying a balance from month to month. It can potentially add thousands on to your bill before you pay it off.

2. Lower Acceptance Rate

The Wells Fargo Propel card features a lower acceptance rate. It’s an American Express card. While this isn’t terrible, it’s not as widely accepted as Visa or MasterCard. You may want to bring a backup card with you in case the Amex Propel doesn’t work at your chosen vendor.

3. Credit Rating

As this is a rewards card, you need a higher credit score to qualify. Currently, you need excellent credit to get the Wells Fargo Propel card. If you don’t have it, your chances of successfully getting it are lower. This limits the pool of applicants who will apply for this card. It can negatively impact your credit score when they check it too.

4. Restrictions on Redemption

It is relatively easy to redeem your rewards, but you have to have a certain amount in points to be eligible. For ATM redemption, you need at least 2,000 points or $20. For online or phone redemption, you need 2,500 points or $25. You can’t redeem your rewards until you have at least 2,000 points in your account. This can take a while if you don’t routinely use your card.

5. Fewer Travel Perks with the Amex Propel

Other cards give you very high travel perks. It won’t entitle you to airport lounge access. You also can’t transfer your rewards to participating partners for flights or hotel stays. Additionally, there is no checked bag reimbursement by using the Wells Fargo Propel card.

Other Wells Fargo Credit Card Offers to Compare

Wells Fargo Platinum Visa® Card
Wells Fargo Cash Wise Visa® Card

CreditSoup® Rewards Cards

Bottom Line Amex Propel

The Wells Fargo Propel card is a solid travel rewards card. So it has a large rewards rate of return with no annual fee. Additionally, it’s also flexible when it comes to the way you redeem your points. So if you have good or excellent credit, you should apply for this Amex Propel card.


Personal Finance Tips 2019 – 7 Easy Tips

Learn seven essential personal finance tips 2019.

The Top Seven Personal Finance Tips 2019

It’s 2019, and you should make it a goal to get your personal finances in order. If you’re not sure where you’d like to start with this goal, you’re in luck. I’ve put together seven personal finance tips 2019 that I’ve tried because I wanted to verify that they work. Follow them, and you could find yourself going into 2020 with a healthier financial outlook!

Get Your Personal Finances in Order by Following These 7 Tips

Personal Finance Tips 2019 One – Consolidate Credit Card Debt

Did you know that credit card debt can be one of the most expensive forms of debt you can have? Cards with high, variable interest rates can add hundreds or thousands of dollars onto your total balance before you pay it off. One fast way to avoid this interest is to consolidate all of your credit card debt with a personal loan. A credit card consolidation loan is an unsecured loan that ranges in price from $1,000 up to $100,000. You typically have between two and seven years to repay it. You pay off all of your credit card balances with the loan. Then, you pay the loan. Don’t use your credit cards while you pay the loan off.

Personal Finance Tips 2019 Two: Use Your Tax Refund to Pay Your Debt

Yes, getting a larger tax refund is exciting. But, you really should use it to pay off your debt instead of extravagant spending. Whether you have credit card debt, student loan debt, or mortgage debt, putting a large payment toward it can help reduce the number of interest charges you pay. You do want to contact whichever agency holds your debt and make sure that your lump-sum payment goes toward your principal balance. Otherwise, they may apply it toward your next month’s payment. If you have no debt, consider starting an emergency fund to plan for any unexpected expenditures.

Personal Finance Tips 2019 Three: Pay Off Your Holiday Bills

The holidays can be an expensive time in anyone’s life, and you could quickly find yourself with a lot of debt left over. For many people, this means charging gifts. You want to pay off any of last year’s holiday debt as quickly as possible. This will help you avoid interest charges. The last thing you want to do is drag your payments out and still pay on it when this holiday season comes around. Put extra payments toward this debt if you’re able to in order to pay it off quicker.

Personal Finance Tips 2019 Four: Invest in a Retirement Account

You’re never too young to start adding to a retirement account. As of 2019, an individual under 50 can contribute a maximum amount of $6,000 to their IRA. People over 50 can contribute a maximum of $7,000. You may want to start smaller and slowly increase your monthly contributions until you get used to living without the additional money. If you can, stick away a little more each year to ensure that you give yourself a comfortable retirement, no matter when you retire.

Personal Finance Tips 2019 Five: Refinance Those Student Loans

Most student loans have very high interest rates, and you may be shocked at how much of your monthly payment actually goes to interest instead of the principal balance. Refinancing allows you to consolidate all of your existing loans into a single loan. This single loan usually has a much lower interest rate, and you only have to make a single payment a month instead of multiple ones. You can pick from a variable or fixed interest. Also, repayment terms vary from 5 to 20 years.

Personal Finance Tips 2019: Six: Schedule Your Vacation in Advance

Typically, most people plan their vacations well in advance. However, the further out you plan it, the better it will be when it comes to managing your finances. Often you can find more travel discounts by planning early. Ideally, you should schedule at least six months out. This gives you six months to put money away to use to fund your vacation. Additionally, it also gives you six months to take the time off work, arrange for a pet sitter if you need one, and get your house in order for when you’re away. This can help reduce your stress levels, and you’re less likely to turn to a credit card for last minute expenses.

Personal Finance Tips 2019 Seven: Transfer to a Zero Percent APR Credit Card

Yes, we just told you not to add any more credit card debt. But, a 0-percent APR card can help with your existing credit card balances. Look into the two best balance transfer cards; check the 0-percent APR terms. They’re usually 12 months. You can transfer your existing balances to one of these cards. Once you do, you’re just paying on the balance. You won’t pay any additional interest charges. Just make sure you can pay off most or all of your existing debt by the end of the promotional period.

Personal Finance Tips 2019 Bottom Line

You can make 2019 the year you start getting out of debt. These seven personal finance tips 2019 can help you reduce your debt, pay less to get out of debt and get you well on your way to a happier and healthier financial future.


Comenity Wayfair Credit Card Review and Application

Comenity Wayfair Credit Card Review Pros and Cons Issued by Comenity Bank

Comenity Wayfair Credit Card Review

Have you ever shopped on Wayfair? If so, did you know about Comenity Wayfair? The Wayfair credit card is issued by Comenity Bank, and cardholders get access to perks. In this Wayfair credit card review, we’re going to outline everything this card can do. We’ll also cover what the Comenity Wayfair card can’t do. Can you apply for the Wayfair credit card using the Comenity Bank Shopping Cart Trick? You’ll get a good idea whether or not you could benefit from this card by the end.

Comenity Wayfair Credit Card Pros

1. Cash Back

Comenity Wayfair gives you a decent rewards rate on each eligible purchase. You’ll earn three-percent cash back each time you use it at Wayfair, AllModern, Joss & Main, DwellStudio, and Birch Lane. These rewards are good for all purchases that don’t use special financing. You can redeem these Reward Dollars for future order credit.

2. Bonus for Signing Up

The bonus for signing up is extremely easy to get. All you do is make a purchase of $250 or more once Wayfair Comenity approves your application. You’ll immediately get a $40 bonus. So you can apply this bonus to future orders. However, you can’t use special financing means to make your order. If you do, you won’t get the $40 bonus because the order doesn’t count.

3. Special Financing or Rewards on Each Purchase

Comenity Wayfair has a unique perk that you don’t see on a lot of cards. You can choose two different options for each purchase you make. If you choose rewards, you’ll earn three-percent back on that purchase. Special buy now pay later financing is the second option you can choose if you don’t want three-percent back. Spending $250 will qualify you for six months of special financing. Spending $500 will qualify you for one year of interest-free financing.

4. Free Shipping

The Wayfair card gives you free shipping on all orders that are over $49. This is great because you can buy large items on Wayfair and not have to worry about shipping costs. Buy that sofa or dining room table and ship it to your door for free. This free shipping doesn’t count on returns though.

5. Builds Credit

Comenity Wayfair is a retail card. Retail store credit cards offer credit building perks. For one, they’re easier to get. There are less strict approval criteria attached. It also reports to all of the credit bureaus. Each on-time payment can help boost your credit score and build your credit history.

6. No Annual Fee

If you’re smart with the Wayfair card, you can make it work for you. Unlike a lot of reward cards, you won’t pay an annual fee. If you can avoid the deferred interest as well, there are huge potential for savings. Every credit and bonus you earn is yours to put toward future purchases.

7. No Hard Credit Inquiry

When you have lower credit, every point counts. Hard inquiries can drop your score three to five points each. You won’t have to worry about this with Comenity Wayfair. There is no hard inquiry as long as you use a pre-qualification link to apply. Instead, you’ll get a soft inquiry. So this doesn’t drop your credit score at all.

8. Optional Furniture Assembly

Do you dread putting furniture together once you buy it? If so, you’re in luck! Comenity Wayfair offers furniture assembly for online purchases. Since you’re not buying it pre-assembled, this is huge. Wayfair partnered with Handy to give Wayfair customers assembly and installation services. You can add this option when you check out. Also, they offer hassle-free returns. If you’re not thrilled, send it back. You do pay return shipping though.

Comenity Wayfair Credit Card Cons

1. Deferred Interest

Using the special financing option comes with deferred interest attached. This can add hundreds or thousands onto your balance if you don’t pay it off in time. Each time you buy an item, you’ll get six months or a year to pay it off with no interest. If you miss the deadline, you’ll get backdated interest. This could be six months or a year of interest all at once.

2. High Interest Rate Charged by Comenity Bank

The Wayfair card comes with a high interest rate. While this isn’t new for retail cards, it can be unpleasant if it backdates for a purchase. You’ll pay 28.49-percent a month with this card. This can put a huge dent in your budget if you get hit with it. This includes only having around $50 to pay on your original purchase and missing the cutoff deadline a single day.

3. Restricted Use

The Wayfair card isn’t co-branded like a Visa or MasterCard. You can only use it at Wayfair or the partner sites. This includes Wayfair, AllModern, Joss & Main, DwellStudio and Birch Lane. If you don’t shop at these stores a lot, the card isn’t much use. You won’t be able to effectively build your credit.

4. Restricted Rewards Redemption

Yes, three-percent back seems like an excellent opportunity. But, stop and think about it for a minute. Comenity Wayfair only lets you redeem your rewards for purchase credits at Wayfair itself or on affiliated sites. If you find a table or sectional on another site and fall in love, you’re out of luck with this card.

Comenity Wayfair Credit Card Approval Odds

Fortunately for people with lower credit, Comenity Bank Wayfair as more lenient approval odds. The Wayfair credit card approval score hovers around fair credit levels. Typically, this means between 580 and 669. However, it’s critical that you apply with a pre-qualification link. This way, you won’t get a penalty for checking your eligibility status because it’s a soft pull.

These Way Fair credit card requirements are why retail cards are so popular for rebuilding credit. It’s a great tool for learning responsible use as well because you want to plan your budget to avoid the deferred interest.

Comenity Wayfair Payment Options

You get flexible payment options with Comenity Wayfair. However, it’s a good idea to use the Wayfair credit card because you get special financing or rewards. Possible Wayfair credit card payment options include:

  • Credit or Debit Cards (Wayfair, American Express, Discover, MasterCard, or Visa)
  • Wayfair Gift Cards and Store Credit
  • Wayfair Rewards
  • PayPal
  • Affirm
  • Personal Checks, Cashiers Checks, and Money Orders
  • Purchase Orders
  • Wire Transfers
  • Wayfair

Payment Considerations

Keep the following payment considerations in mind when you pay your bill. This will help ensure that you don’t forget a payment or get stuck halfway through.

Accepted Payment Options in the Account Center
If you plan to pay online through the Account Center, have a checking account ready. You currently can’t use a debit card to make a payment. You’ll need to input your checking account number and routing number. You can find this number on your monthly statement, on the bottom of your check, or your bank will give it to you.

Comenity Bank Fees for Paying Online
Comenity Wayfair doesn’t charge any extra fees for paying your bill online. Additionally, it’ll store your preferred payment method for future use. Since the site comes encrypted, you don’t have to worry about your sensitive information going anywhere. So you can switch it out whenever you like.

Wayfair Store Locations

Wayfair also has one brick and mortar outlet stores available. However, you have to know one critical piece of information involving the Wayfair outlet.

IMPORTANT: You are NOT ALLOWED to use your Wayfair credit account at the Wayfair outlet location. You’re ONLY allowed to use the this account online.

However, you’re free to make whatever purchases you’d like with another card or cash. For people who have the Wayfair outlet by their home and need something right away, this is great. The outlet address, hours, and phone number is:

Wayfair Outlet
5101 Renegade Way
Florence, KY 41042

Store Hours:
Friday and Saturday – 10AM to 6PM
Sunday – 10AM to 4PM

Telephone: (857) 559-4994

Can you apply for the Comenity Wayfair store credit card using the Shopping Cart Trick?

See if you Pre-Qualify for the Wayfair Credit Card Without a Hard Credit Inquiry

Important! Click the – “Do you pre-qualify?” – Wayfair credit card application link option
Wayfair Card Application
Or Compare Major Credit Card Offers
CreditSoup® Fair Credit
CreditSoup® Secured Cards

Wayfair Card and the Shopping Cart Trick from Comenity Bank

The Wayfair card is issued by Comenity Bank. This Wayfair Comenity line of credit can potentially be approved without a hard credit inquiry. Learn more about the Comenity Shopping Cart Trick. The Sportsman’s Guide Visa Card is another example of a Comenity Bank issued store credit card.

Conclusion – Comenity Wayfair Credit Card and the Shopping Cart Trick

Finally, Comenity Wayfair is a solid retail card with a lot of unique perks. As long as you pay attention and use it responsibly, you stand to gain a lot. However, there are some definite drawbacks to consider. Make sure that you can make this card work for you before you apply. Also, it may still be possible to use the Comenity Bank Shopping Cart Trick when applying for this store credit card. In addition, you may want to shop around and compare other retail cards before making a final decision. If you shop at Wayfair, this card can be an excellent choice.


Blaze MasterCard Review – Blaze Credit Card Pre Qualify

Pros and Cons Blaze MasterCard Review - Blaze Credit Card for Fair Credit

Blaze MasterCard Review – Blaze Credit Card Pros and Cons

The Blaze MasterCard is an option for people with poor to fair credit. It’s a very straightforward and no-frills card. The Blaze credit card isn’t a secured card, but the terms are almost identical to other secured options. However, it an option if you want to start building or repairing your credit. We’ll cover the pros and cons of the Blaze MasterCard next. This way, you can decide for yourself if this card is a viable option for you.

CreditSoup® Fair Credit

Blaze MasterCard Pros

1. Blaze Credit Card Approval Odds for the Blaze MasterCard

One of the biggest hurdles in building your credit is getting approved for a credit card. If you don’t want a secured credit card, this is even more difficult. The Blaze credit card offers excellent approval odds for poor and fair credit. So this can reduce the number of inquiries on your credit report. Since these lower your score a few points, this is a good sign.

2. No Money Down

The Blaze credit card requires no money down when the lender approves you. This isn’t a secured card. You won’t have to worry about coming up with additional cash to use as your credit line. However, your credit line will fluctuate until you prove that you’re able to use it responsibly.

3. Premium Club Membership

You can also pay $4.95 per month to have access to a Premium Club membership. This is completely optional for cardholders. You’ll get several perks for enrolling and paying the monthly fee though. These include access to an online mall that gives you cash back rewards. It also gives you lost key protection, hotel, rental car, and prescription discounts.

4. Blaze Credit Card Credit Increase

The Blaze MasterCard rewards cardholders who prove that they can use their card responsibly. You’ll be able to get a credit line increase after six months of on-time payments. This increases your spending capabilities. Also, it can boost your credit score. You do want to keep your credit utilization below 30-percent though.

5. No Miscellaneous Fees

Many cards for poor or fair credit add a lot of miscellaneous fees. These can be things like a setup fee, monthly maintenance fee, and more. The Blaze credit card is different. It doesn’t charge cardholders any additional fees. This is great news if you don’t have a lot of extra cash to spare.

6. Alert System

There are security features built into this card. For example, you can sign up for credit card text or email alerts. They can warn you when you’re approaching your spending limit. You can also set them for every purchase you make. The alerts can warn you when your payment due date is coming up. This can help to ensure that you don’t miss it or pay late.

7. Credit Bureau Reporting

The Blaze MasterCard reports your activity to all three credit bureaus. As long as you make your payments on time, this is great. However, it can quickly drop your credit score if you miss payments. Lenders also look at how much of your credit line you regularly use. So going over 30-percent will drop your score as well.

8. No Penalty APR

The APR on this card doesn’t move if you miss payments. Everyone pays a fixed fee of 29.9-percent. You won’t have to worry about paying more each month if you accidentally miss one. It is on the higher end, but you should expect this for poor and fair credit scores.

9. Excellent Customer Service

The Blaze credit card comes with highly rated customer service. Reviews show that cardholders are happy with the service they receive. The customer service team make it easy to work with this company. They’re also very responsive to customer questions and concerns.

Blaze MasterCard Cons

1. Blaze Credit Card Annual Fee

The Blaze credit card comes with a slightly higher annual fee. Cardholders will pay an annual fee of $75 each year. This can be very hard to swallow if you get a lower credit line. There are no rewards to balance out this fee either. You pay it every year to be able to use the card to build your credit.

2. Low Credit Lines

The Blaze MasterCard does offer credit lines up to $1,500 at the maximum. However, most people start out with a $350 credit line. You keep this credit line for at least six months. This means that you should only spend $105 per month. So it won’t help you very much in emergencies.

3. Higher APR

The APR on this card is 29.9 percent. If you carry a balance from month to month, this can add up. Even if your credit is slightly higher, you’ll end up paying it. It won’t be a problem if you don’t carry a balance. However, most people do for at least one or two months.

4. Murky Terms and Conditions

The terms and conditions say that you could get a higher line of credit after six months. However, it doesn’t say how you go about getting it. You can wait to see if the lender raises it on their own. You could also call the customer service team and ask them to increase it for you.

5. Low Maximum Credit Lines

Credit lines start at $350 for most people who apply. However, it can only go up to a maximum amount of $1,500. For most people, this isn’t able to help them a lot. Once you max the card out, you’ll have to apply for another with less strict terms. This can cause the cycle to start all over again.

6. Pay Extra for a Premium Membership

You can get access to a premium membership. This will allow you to get a few perks and cash back options. However, you have to pay extra for it. You’ll pay $4.95 every month you want to have the premium membership option. This isn’t a lot, but it can be hard to outweigh the other fees.

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Blaze MasterCard® Credit Card Bottom Line

The Blaze MasterCard is a good option if you don’t have any other options available. You can also try for the Capital One® Platinum Credit Card. You won’t pay an annual fee with this option. You’ll get outstanding customer service, access to increased credit in five months, and it’s also geared towards fair credit. Together with both easy approval fair credit cards, this can help build your credit fast.

Blaze Credit Card Application Status

Received a Pre Qualified Blaze MasterCard Offer in the Mail?

Enter your Blaze MasterCard reservation number and access code:

If you have not received a Blaze MasterCard pre qualify letter in the mail do not worry.

The Blaze MasterCard is easier to get approved for. It is easy to learn your Blaze credit card status. Please keep in mind that not all applications get approved. Credit approval is easier than other credit card offers geared towards poor to fair credit but not guaranteed.
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So no matter which option you choose, the Blaze MasterCard can help to build your credit. You can see your credit score rise in as little as a few months. Additionally, it’ll allow you to upgrade to a better card when your credit score rises. Finally, the Blaze credit card has lower fees compared to other credit card offers in the poor/fair credit category.


Using Credit Card Points – How to Use Credit Card Points

14 Ways on How to Use Credit Card Points - Earn Great Rewards Using Credit Card Points

Using Credit Card Points in 11 Different Ways

You do all of the work to earn rewards when you use your credit card, but you might be lost what to do after this. So how do credit card points work? How to use credit card points? If this is you, you’re not alone. We’re going to go over several easy ways of using credit card points. No matter how you end up redeeming them, we’ll help you get the most out of them.

1. Gift Cards

One of the most popular ways of using credit card points comes in the form of gift cards. You can typically redeem them for Amazon cards, retail cards, and more. This is a great option because you usually get more back for the gift card than you’d get for cash back. So make sure you check to see which retailers your card partners with to get the best deal.

2. Statement Credit

Using credit card points to help pay your credit card bill can save you in a pinch if money is tight. Also, this can help to improve your credit score because it’ll lower your credit utilization amount. If you can stack your rewards, you could potentially pay off a good chunk of your bill to save even more money. Do check the number of points you need for a decent statement credit before you redeem though.

3. Spend on One Card

You might also want to do your spending on different cards to try and get more rewards. However, it’s a good idea to concentrate on the card that gives you the most bang for your buck. This is the card you want to use the most because it’ll give you the most back in rewards to redeem. It’s also easier to keep track of payments with one card instead of two or three. So this strategy works well with people who have low usage credit cards.

4. Travel Discounts

One popular way of using credit card points is to get discounts on your hotels or airfare. Some credit cards partner with certain hotel chains or airlines and offer their customers deals to use their rewards points with them. You could also get discounted hotel stays, miles, access to lounges, free baggage checks, travel insurance, and more. Try looking into the IHG® Rewards Club Select Credit Card and the Marriott Rewards® Premier Plus Credit Card.

5. Student Loans

Are you struggling to pay off your student loans? If so, the Citi Premier card can help you pay down a significant portion of them. All you do is get the card, spend enough to earn the bonus, and redeem it for cash. You can send this check to your student loan company. The Citi Thank You program has a specialized option just for student loans.

6. Shop Online

Shopping online is very convenient and fast. It’s also an excellent avenue for using credit card points. Some issuers will let you use your points to pay for a portion of your online purchases, shipping, or even the entire order. Your issuer will have the acceptable retailers listed on their site. This is another way on how to use credit card points.

7. Exclusive and VIP Event Access

If you get certain credit cards, you’ll get automatic access to exclusive or VIP events just for having the card. If you earn enough reward points, you can use them to take some or all of the money off of any purchases you make at these events. Again, check your card to see what your specific issuer offers. Visa and American Express are well known for offering VIP events.

8. Bonus Offers

When it comes to getting and using credit card points, you want to make every point count to maximize your return. To do this, look for bonus offers. Some cards come with rotating reward tiers that offer up to four-percent rewards points on purchases. Other issuers have special times during the month or year where everything is eligible for bonus points. Two great credit cards that offer special bonus rewards categories is the Discover it® Card and the Chase Freedom® Visa.

9. Pay Off Your Balance

You don’t want to dig yourself into a hole that you can’t get out of by trying to get the most points possible. It’s important that you make a conscious effort to pay off your balance. Make your payments on time and keep your utilization low. So this will enable you to use your points without fear of sliding into debt. This is one of the best ways on how to use credit card points most effectively.

10. Charity Donation

Everyone wants to pay it forward or give to their favorite charities. The Discover It card has a program that allows cardholders to donate their points to over 1.5 million charities all over the world. It’s fast, easy, convenient, and you can feel good about using credit card points to make a small difference.

11. Cash Back

Another simple way to redeem your points is by getting cash back. Most lenders set a specific amount of points you have to have before you redeem them. However, they offer fast cash back in the form of checks or direct deposit. Each lender is different, so it’s important that you double check your specific card’s terms and conditions.

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CreditSoup® Cash Rewards Cards
CreditSoup® Travel Rewards Cards

Bottom Line on How to Use Credit Card Points

Finally, using credit card points varies by lender to lender. However, it’s easy for cardholders to maximize their points and redeem them in a variety of ways. Double check your terms and conditions, find out how to maximize your earnings, and use your credit card points in a way that impacts your life the best. This will show you how to use credit card points in the best possible way.


Starbucks Credit Card Review – Starbucks Visa

Earn Starbucks Visa rewards. Learn pros and cons in this Starbucks Credit Card Review.

Starbucks Credit Card Review Starbucks Visa Pros and Cons

Do you drink Starbucks every day? Maybe you buy Starbucks for your coworkers, and your company reimburses you. If so, the Starbucks credit card can be a great option to check. It’s a fast and easy way to earn each time you use it to fuel your Starbucks addiction. However, this card does come with downfalls. This shouldn’t be surprising though since every card has pitfalls and benefits. So we’re going to highlight the good and the bad that comes with the Starbucks Visa.

Starbucks Credit Card – Starbucks Visa Pros

1. Bonus for Signing Up

All you have to do to get the bonus for signing up is spend $500 in the first three months. Since Starbucks can be more expensive, this is doable. You’ll earn a bonus of 2,500 stars when you hit this goal. You can use these stars to get money off your future purchases. Each star is around four cents each when you use them for more expensive items.

2. Additional Bonus

Starbucks credit card holders also become eligible for an additional bonus. All you have to do is use your card to load a registered Starbucks card onto the mobile app. This will earn you 250 additional stars. You can use these stars for purchases on food and drink at Starbucks. Again, you want to use them on more expensive items to get the most bang for your buck.

3. Annual Barista Picks

The Starbucks credit card rewards loyal shoppers. So you want to keep your card active and in good standing. If you do this, you’ll get eight Barista Picks each year. This will be random food and drink items. Cardholders get them completely free each year.

4. Starbucks Rewards Rate

Any food or drink item over $5 you buy will give you the maximum $0.04 per star rate. If you use your stars on cheaper items, the rewards rate will go down. You also get one star for each dollar you load digitally into the app from your card. You also earn two stars for every dollar you spend with your registered card. This adds up to three stars per transaction.

5. Instant Starbucks Gold Status

Cardholders also get treated to instant Gold status when they open a card. This status comes with double star days for added earning potential. You’ll get a personalized gold card as well. Finally Gold status members a free drink reward for every 125 stars they earn. This adds up to a 12-percent rewards rate on Starbucks purchases.

6. Birthday Reward

Starbucks will reward Starbucks Visa cardholders with an annual birthday reward. This reward is typically a free drink or food item of your choice. You do have to register and prove your date of birth to be eligible. Also, you have to go in on your birthday to get the reward.

7. Members-Only Offers and Events

Starbucks hosts members-only events each month. They also send out exclusive offers like coupons for a percentage off your next order to members. So again, you do have to sign up for these things. Once you get a card, you’re automatically enrolled. You’ll get things by mail and online.

8. Free In-Store Refills

Starbucks wants you to stay once you make a beverage purchase. Cardholders get free in-store refills. The catch? It has to be in the same visit that you purchased an item to qualify. You can’t buy something, leave, come back later, and redeem your free drink.

Starbucks Credit Card – Starbucks Visa Cons

1. Starbucks Credit Card Approval

In order to get Starbucks credit card approval, you need good credit to be eligible for this card. The application process itself takes several steps. Once you sign up and wait for approval, you have to download the app. Download the app and register your card. This is how you earn additional stars and bonuses.

2. Low Starbucks Visa Rewards Rate

The rewards rate on the Starbucks credit card is on the low end. You have to spend just over $40 to earn enough stars to get a free beverage or food item. You’ll spend more if you buy cheaper items that are less than $5 per item as well. For people who don’t spend a lot at Starbucks, this can take months to accumulate.

3. Starbucks Visa Annual Fee

This card comes with an annual fee on top of the lower rewards rate. You’ll pay $49 each year to have this card. If you don’t use it a lot, it’ll be difficult to get enough rewards to outweigh it. You’ll end up paying each year simply to carry this card.

4. Restricted Reward Redemption

Unlike many rewards cards, the Starbucks credit card has a lot of restrictions. For example, you can only redeem your stars for Starbucks items or merchandise. You’re not able to transfer them to other dining or drink establishments. You can’t cash them out for gift cards or money. You use them for food and drink directly from Starbucks.

5. Expiration Period

Your unused credit card rewards expire every six months with this card. This makes it very easy to forget about them and lose them. The clock starts as soon as you make purchases and earn your stars. You’ll have to keep a very close eye on them to ensure you use them before they disappear.

6. Cumbersome to Earn Starbucks Visa Rewards

You want to earn three stars per dollar spent to maximize your rewards. However, this is cumbersome and time-consuming. You’ll also need an additional credit card. You take this card and load funds onto your Starbucks card. However, you have to load this money to your card online or through the app. If you don’t, you miss out. Loading them in the store only earns you one star per dollar spent. You might want to consider a simple cash back credit card.

7. Need a Separate Card for Bonus Rewards

Along with the Starbucks credit card, you’ll need a Starbucks membership card to earn bonuses. So you have to refill your membership card by loading funds through the app. It’s easy to waste money this way if you’re not a big spender. For example, say you load $100 but only spend $25. You’ve wasted $75 now.

Who Should and Shouldn’t Consider the Starbucks Credit Card?

This card isn’t all bad. If you’re someone who routinely buys Starbucks for your company in bulk and they’ll reimburse you, you have earning potential. This is especially true if your coworkers like more expensive food or drinks. Maybe you buy lunch or snacks for meetings from Starbucks and get reimbursed. If so, it’s a good choice.

So people who don’t routinely visit Starbucks would have a hard time justifying this card. It takes dedicated and routine use to earn significant rewards. If you’re simply looking for a dining rewards card, there are better options available. Finally take a look around, compare credit cards, and pick one that fits your situation.


Best Credit Cards for Ride Sharing – Uber and Lyft 2019

Best Credit Cards for Ride Sharing With Uber and Lyft

Finding the Best Credit Cards for Ride Sharing When Using Uber and Lyft

Gone are the days of fearing getting a ride from strangers. Technology has come a long way in recent years. With these advancements came the popularity of ride sharing using Uber and Lyft. You can call a company to have a stranger show up at your location. You pay them, and they’ll take you wherever you want to go. The best credit cards for ride sharing can help ensure that you don’t have to carry cash. We’re going to cover a few of these cards including an Uber credit card review below.

Best Credit Cards for Ride Sharing One: Uber Visa Signature

First up on our list of the best credit cards for ride sharing is the Uber Visa card. This card comes with a variety of features that make it perfect for services like Uber and Lyft. First up is the cash back opportunities. As one of the best credit cards for ride sharing, it offers one of the highest cash back rewards.

You’ll get four-percent cash back each time you use it for dining. It also offers three-percent cash back for hotels, airfare, Uber, online purchases, and streaming video and music. Finally, you get one-percent cash back on everything else.

Spend $500 in the first 90 days of having the card to get the $100 bonus. This works out to roughly $167 per month. You get rewards for spending up to $5,000 annual as well. You’ll earn a $50 bonus toward streaming services including Netflix, Sirus XM, Amazon Prime, and more.

This card also offers up to $600 in damage protection for your phone just for paying your bill with the card. There is no foreign transaction fee and no annual fee. This means that each reward you earn is profit. You can redeem your rewards for cash, gift cards, or Uber credits.

Cardholders also become eligible for the Uber Visa Signature benefits. You’ll get auto and travel insurance. It also comes with extended warranties on specific products. Cardholders are also eligible for hotel discounts when they travel along with other perks.

You also can earn even more rewards with Uber by using the Sears Shop Your Way program.

Best Credit Cards for Ride Sharing Two: Chase Sapphire Preferred Visa

Do you like to travel and earn bonus rewards for doing so? Maybe you find yourself using rideshare programs like Uber or Lyft. Either way, the Chase Sapphire Preferred can help you save. You’ll get double points for each travel and dining expense that you use your card for. This includes Uber, Lyft, airlines, and hotels.

You get one times the points for every other purchase. You’ll get 25-percent more points if you book your travel using the Chase portal. Also, you get a bonus for spending $4,000 in the first three months. You’ll earn 50,000 points for spending $1,333 per month for the first three months.

You do pay an annual fee of $95 for using the Chase Sapphire Preferred card. However, you won’t pay this fee for the first year that you have the card. This means that anything you earn in the first year is profit. So you don’t need to worry about offsetting the annual fee. Also, traveling a lot with this card makes it relatively easy to earn enough rewards to offset this fee.

You can redeem your points for gift cards, statement credits, merchandise, or travel. Chase allows you to transfer your points to airline and hotel partners at a 1:1 ratio. So this can help you pay less for your hotels or airlines each time that you travel with this card.

Cardholders gain access to several exclusive travel perks from this card. It gives you trip cancellation or interruption insurance, trip delay reimbursement, and baggage delay insurance. Also, you get primary rental car insurance, extended warranty protection, and purchase protection as well.

Best Credit Cards for Ride Sharing Three: American Express Platinum

The final card on our list is from American Express. You’ll get a $15 credit each month for Uber rides in the United States. Each December will automatically get you a $20 bonus credit for Uber. This card also rewards you with five times the points when you book airfare through the Amex Travel site. Cardholders get access to 1,200 airport lounges, TSA or Global Entry precheck credit, and $200 in airline fee credits annually.

Cardholders earn 60,000 bonus points when they spend $5,000 in the first three months. This works out to spending $1,667 per month. If you travel, you know that this is easy to hit that credit card sign up bonus. You can use these points to book travel, buy merchandise, redeem gift cards, and transfer to hotel or airline partners.

So You do receive a large $550 annual fee with this card. However, you can offset it if you travel smart. Each dollar you spend on eligible hotels or flights earns you five points per dollar. You do have to book through American Express’s travel portal to get this rate. Also, new perks include an annual $200 baggage fee credit at certain airlines and free Wi-Fi access.

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Bottom Line With Finding the Best Credit Cards for Ride Sharing Using Uber and Lyft

Finally, researching and using the best credit cards for ride sharing can help save money. The cards come with several perks for cardholders that can save time and money. So each card we highlighted is great for Uber and Lyft uses and general travel. We invite you to take a look. You may just find your next travel credit card and save money each time you use it.


Apply for a Credit Card – Best Time and Worst Time

apply for a credit card

Best Time and Worst Time to Apply for a Credit Card

When people think of timing being everything, a credit card is low on the list. With so many other things on your mind, your credit can wait. Right? Unfortunately, timing is critical with it comes to applying for credit cards. So when is the best time to apply for a credit card?

Applying at a bad time or putting off applying can take a long time to fix. We’re going to make sure that your timing is perfect. We’ll give you both good and bad times to apply for credit cards. This will help you start building your credit the right way.

Eight Best Times to Apply for a Credit Card

1. You Have a Preapproval List of Cards

Your credit takes a small hit each time you apply for a credit card. While this is typically only a few points, they can add up quickly. Banks can usually give you your preapproval odds for certain credit cards. Also, it helps if you’ve had an active account in good standing. They will usually give you your preapproval odds in a few minutes plus a list of cards. So you can compare the credit cards and find the one that suits your needs.

2. You’ve Turned 18

Ideally, you want to start building your credit as early as possible. This will give you a solid foundation to build up your score. Your credit history length counts for around 15-percent of your FICO credit score. You do want to have a stable income and use it wisely though. Also, switch to a lower interest card as soon as you can. Your first credit card will most likely have a higher rate and stricter terms.

3. You’ve Compared Cards

Not all credit cards are the same, and this is why you want to shop around. So you want to compare interest rates, terms, contracts, balances, and more. Do you want rewards for using your cards? Perhaps you want a no-frills and basic credit card for emergencies. Either way, comparing the different credit cards ensures that you’ll get one that matches your spending habits.

4. You’re Repairing Your Credit

Maybe you had a bankruptcy or got behind on your payments due to a medical issue. Your credit can take a huge hit if this is the case. A credit card is a useful tool for repairing or rebuilding your bad credit. You do want to pay attention to interest rates and terms though. You’ll typically have to get a secured card or a card with a high interest rate at first. This is because you’re now a higher risk. Compare the top three secured credit cards to find a low fee credit card for repairing bad credit.

5. You Have Good Credit

Do you have fair credit but not good credit? A good credit card can help push your credit up a few points. With responsible use, you may even break into excellent credit territory. As always, you do want to keep your credit utilization ratio even. It’s also important to pay off your debt and keep good records.

6. You Need to Consolidate Debt

There are credit cards that can help you pay off your balances without paying interest. If you can pay off your debt within 12 or 18 months, consider one of these balance transfer cards. These cards usually have an introductory APR offer of 0-percent for a set amount of months. Anything you pay in this time will be your balance without any additional interest charges.

7. You Need to Add Variety or Credit Mix to Your Credit Report

Banks and investors like to see a variety of accounts or a credit mix on your credit history. This includes things like loans, credit cards, and other revolving accounts. If you don’t have a credit card, it may be worth it to open one. You could even use it for a small monthly subscription if you don’t want to use it for everyday use. As long as you pay it off every month, it’ll help your credit.

8. You’re Buying a Big Item

You may think that buying a big item on a credit card is a bad idea. This entirely depends on the card in question. For example, some cards offer no interest for a set period. You could buy your item buy now and pay later and pay it off during the grace period. Doing this can potentially save you hundreds in interest costs. It can also help you get a bonus for opening your card if the card offers one.

Five Best Times to Avoid Applying for a Credit Card

1. You Have Large Existing Balances

Creditors look at your available credit compared to your debt levels. If you have large balances, don’t open another credit card. This is a quick way to get too deep into debt. It can damage your credit quickly. Additionally, it can make lenders wary of giving you a loan or a line of credit.

2. You Plan to Apply for a Mortgage or Large Loan

Is a new mortgage or a large loan on the horizon? If it’s coming in the next six months, don’t open a credit card. You lose a few points and get a temporary drop each time you apply for a credit card. This could potentially hurt your chances of getting your loan or mortgage. It’s especially true if you’re right between “good” and “great” credit scores.

3. You’ve Lost Your Job

Credit is not a good idea if you have no means to pay it back. Many people make this mistake and charge thousands to their cards if they don’t have the cash. You’ll end up paying hundreds or thousands more than you really spend due to interest. Make sure you have a steady job and emergency fund before you apply for a credit card. This way you’ll ensure you can pay it each month.

4. You’re Impulsively Applying

Maybe you want a credit card, and you don’t want to research. You impulsively sign up for a few different credit cards. This is a bad decision that could impact your finances and put you in debt. Each credit card has different interest rates and maximum credit lines. The last thing you want to do is end up with a card that doesn’t suit your spending habits.

5. You’re Living Outside of Your Means

Credit cards are not a good way to support your lifestyle. So you’ll pay what you owe plus interest. If you’re already having trouble paying your bills, credit can make it worse. You’ll get yourself into a hole that you can’t get out of. If it gets bad enough, you could declare bankruptcy. This could last up to seven years.

Bottom Line When You Apply for a Credit Card

Finally, applying for a credit card takes timing and planning. You do want to do your research. Researching will allow you to compare different credit cards. It’ll help ensure that you match your credit card to your lifestyle. In turn, you should see your credit start to rise and move in the right direction.


Shop Your Way Sears Credit Card Application

Shop Your Way Sears Credit Card Application Review

Do you have a Sears credit card? Perhaps you have no idea about the Sears reward points you can earn. What about the Shop Your Way program? If these are new for you, you’re in luck. We’re going to go over how to apply for Sears credit card application and how to redeem Sears points. We’ll also talk about the Shop Your Way program. By the end, you’ll have a great understanding of how this card works.

Understanding the Shop Your Way Program

First up is the Shop Your Way program from the Sears credit card. It’s unique, and one huge reason why Sears has such a loyal customer base. Sears rewards points act as your virtual currency. Shop at The Great Indoors, Kmart, Sears, My Gofer or Landers’ End and earn 10 base points for every $1. When you earn 1,000 points, you’ll earn $1 to redeem.

Important: Know When Your Shop Your Way Reward Points Expire

You’ll earn points every single time you shop with your Sears card. They can take up to a week to appear in your account. Once you earn your points, you have one year to redeem Sears points. If you don’t use them within a year, the points will expire. Sears will send you a notification before they expire. So this will allow you to use them up.

Additionally, any Sears reward points you earn from special offers expire before a year. You’ll get an online account where you can view your points. You want to check this account often for Sears reward points expiration dates. When you have a group of Sears reward points that expire at different times, the online app is extremely valuable.

To find your point information, start by logging into your account. Navigate to your Account History page and check your points. You can also click on your username in the upper right-hand corner of the app. Then click on the “My Orders” tab to view your points.

How Do You Earn Sears Reward Points and Where Can You Spend Them?

You can earn Shop Your Way rewards points by first shopping at the stores we mentioned earlier. If you’re shopping in person, give your phone number, Member number or email at checkout. They’ll add your points to your account. If you shop online, you can add your Member number to your profile or add it at checkout.

You can also earn points on layaway. Just provide your Shop Your Way information when you set up the initial layaway. You’ll get your points when you make your final payment.

Do you use the Kmart pharmacy? If so, you can earn 500 points for every qualified prescription you fill or refill. However, they are restrictions to using the Kmart pharmacy. Prescriptions paid for by the state or Federal government aren’t eligible. Prescriptions you buy in AL, AR, MA, MS, NJ, and NY also aren’t eligible. Controlled substance prescriptions bought in LA also aren’t eligible.

How to Shop Your Way rewards points

You may wonder how to redeem your Shop Your Way rewards points. Luckily, there are several easy ways redeem Sears points. You can redeem them either online or directly in person. Places where you can use your Shop Your Way rewards points include:

  • Sears
  • Sears Grand
  • Sears Essentials
  • Sears Hometown Stores
  • Sears Home Appliance Showroom
  • Sears Hardware
  • Sears Outlet
  • Sears Auto Centers
  • Kmart
  • Lands’ End
  • MyGofer

Currently, you MAY NOT redeem your Shop Your Way points Sears on Sears Home Services.

Additionally, you can use your points with any other special offers or discounts you may have. They also work with checks, credit card, and cash purchases. You won’t need to use your PIN if you redeem $25.00 and under in points and can show a valid ID. Anything over $25.00 requires a PIN. You get your PIN by logging into your account, clicking your username and clicking the “Membership” button.

These are Some Helpful Sears Links:

Sears Store Locator
Kmart Store Locator
Sign Up for Shop Your Way Rewards
Sears Store Ads
Kmart Store Ads

Sears Credit Card Application

The Sears credit card application process is very straightforward. You can fill out the Sears credit card application online or in your local Sears store. You’ll need your relevant information like your name, social security number, address, etc.

Once you fill out the Sears credit card application, you’ll know within minutes if you can get the card. The Sears credit card application is a good choice for people with not so perfect credit. You’ll be able to use your card right away once you get approval. Sears will mail your Sears credit card to your home within 7 to 10 business days.

Shop Your Way® Sears Mastercard® Application

Shop Your Way points are easy to earn with the Shop Your Way MasterCard Citi Sears credit card application.

Reviewing the Sears Credit Card

Now that you know what the Shop Your Way program is, you have a good understanding of this card. We talked about earning and redeeming points as well. We’ll do a quick review of the Sears credit card next.

Citi Sears MasterCard Pros

Statement Credit
You’ll earn a $40 statement credit when you purchase $50 in items within 30 days of opening the card. This is extremely easy to earn, and it’s a great incentive to use your card right away. You do have to do an online application for it to count. This offer is valid from 11/1/18 through 1/31/19. So if you don’t have a Sears card, now is an excellent time to open an account.

Monthly Deals

Cardholders also get access to exclusive events and monthly deals through their email. So you’ll be eligible for special Shop Your Way bonuses and in-store specials. Also, you’ll get coupons and discounts linked directly to your account. Finally, you can find all of these deals by checking every month.

Purchase Protection and Account Protection

Worried about fraudulent purchases or not getting the best deal? With the Citi Sears MasterCard, you don’t have to worry. This card comes with $0 fraud liability for all cardholders. You’ll get Citi Identity Theft Resolution as well. If you find the item for a lower price, you’ll get price protection. Finally, cardholders get an extended warranty on certain purchases.

MasterCard Global Acceptance

You can use the Citi Sears MasterCard all over the world. MasterCard is one of the most widely recognized credit card companies. This means that it’s very easy to find a vendor that accepts this card. You’ll be able to use it to travel without a problem.

Shop Your Way Rewards Points

Your Shop Your Way points can stack up very quickly depending on where and how you use your credit card. You get a $10,000 cap for purchases on gas, grocery stores, and restaurants. Once you hit it, the below percentages drop to one percent. Current Shop Your Way redemption percentages include:

Purchase Percentage of
Points Back
Gas Stations
Five Percent 100,000 $100
Grocery Stores
Three Percent 120,000 $120
Three Percent 30,000 $30
Sears and Kmart
Two Percent 40,000 $40
Other Items
One Percent 10,000 $10

Easy to Complete the Sears Credit Card Application

The Sears credit card application is very simple and straightforward. So you can fill it out online or in the store. It only takes a few minutes to fill it out. You’ll get your approval or denial within minutes. Additionally, you can use your card straight away after approval.

Citi Sears MasterCard Cons

Reward Percentage Drops

Unfortunately, your Shop Your Way rewards have a cap. Once you hit $10,000 between gas, groceries, and restaurants, the rewards percentage drops. You’ll go from five and three percent for these categories down to one percent. While this isn’t a terrible rate, it can take longer to earn points.

Rewards Expire

For base points, you have one year to use them before they expire. Special points can have shorter expiration dates. This means that you have to pay extremely close attention to expiration dates. If you don’t, you’re in danger of losing your points. It can be difficult to track all of your points if you shop a lot. Avoid letting these credit card rewards from expiring.

Prescription Restrictions

While you can earn huge points at the Kmart pharmacy, there are several restrictions. Only certain classes of medications count for your rewards. Therefore certain states don’t participate. You also can’t get your points if the Federal or state government covers part or all of your costs. You need private insurance, or you pay out of pocket to use your card on non-controlled substances.

Shop Your Way® Sears Mastercard® Bottom Line

Finally, the Sears credit card is a solid choice for people who do a lot of everyday shopping. So if you spend a lot of money at Sears, you may want to consider this card. The Sears credit card application is very straightforward as well, and this makes it popular. Finally, the Shop Your Way program is an excellent incentive for new customers to sign up and use this card.