Old Navy Visa Card Review Pros and Cons

The Old Navy Visa Card can be used at Old Navy and beyond! The Old Navy credit card can be used at Old Navy.

Old Navy Visa Card Review

Do you like to shop at Old Navy? Maybe you spend a lot there when it comes time for the kids to go back to school. Whatever the reason, you may want to consider the Old Navy Visa. This is the Visa version of the Old Navy credit card. Synchrony Bank issues both variations of this card. These cards make up Gap Inc’s family of branded cards, including Old Navy, Gap, Athleta, and the Banana Republic.

If you’re curious as to whether or not the Old Navy credit card has rewards that make it worth having, this is for you. We’ll outline the biggest pros and cons of the Old Navy Visa below. So this way, you’ll know if you should try for this card or look elsewhere.

Old Navy Visa Pros

1. Annual Fee

To start off, you have to know that this card has a $0 annual fee. This means you won’t have to pay for having the card in your wallet each year. Instead, you can use it as much or as little as you like. The rewards you earn are yours to keep. There’s no trying to balance them out with a large yearly fee. For people who only use this card sparingly, this is fantastic news.

2. Earn up to Five Points Per Dollar Spent

Unlike some cards where you have to stick to a single store; the Old Navy Visa is more flexible. Yes, you’ll earn five points per dollar at Old Navy and Gap stores. But it doesn’t stop there. Shop at GapBody, Gap Outlet, Gap Maternity, GapKids, Banana Republic, Gap Factory Store, Old Navy, Athleta, Old Navy Outlet, and Banana Republic Factory Store. When you shop here and use your Old Navy credit card, you’ll get five points for every dollar you spend.

3. Additional Points

Maybe you don’t frequent these stores often. If not, that’s okay. You can still earn one point per dollar at every other store that accepts Visa. You can use it in the grocery store, gas stations, malls, or any retailer that will take Visa cards. For every 500 points you earn, you’ll get a $5 credit. This can really add up if you shop a lot and use your card.

4. Points for Going Paperless

Almost everyone chooses to go paperless. It’s very convenient, better for the environment, and Old Navy rewards you for it. So if you go paperless with your billing, you’ll earn 500 points. Also, you get a second 500 points for giving your email and get offers and updates from the brands. This totals out to 1,000 extra points that adds up to $10 in rewards. It takes a few minutes, and you can spend your points immediately.

5. Combine Rewards

One very nice perk with the Old Navy Visa is the ability to combine your rewards. Say you have a discount coupon or two for 20% off. When you check out, you can stack this coupon with your rewards. In turn, you can save much more with this combination. Just make sure you pay attention to the terms of the coupons and your point balance before you check out.

6. Automatic Certificates

Some cards make you manually redeem your points before you can use them. The Old Navy credit card differs. Instead of waiting for you to request them, they’ll issue them every time you hit 500 points. If you use the card a lot, you’ll get a lot of $5 credits without having to do anything extra. This makes it hard to forget your point totals or forget to redeem them.

7. Additional Reward Tier

Anyone who earns 5,000 points in a calendar year hits a new reward tier called the Navyist. This tier entitles you to 20% additional rewards points every three months. When you shop online, you’ll get free shipping. You can also request free basic alterations on non-suede and leather Banana Republic merchandise. There is also a dedicated customer service line for Navyists only to address concerns or answer questions.

Learn About 10 Easy to Get Store Cards

Old Navy Visa Cons

1. Fast Expiration Date

One large drawback with the Old Navy Visa is the expiration date. You usually have 30 days to use your points once you get the $5 certificates. If you don’t use them in this allotted time, they’ll expire. This forces you to shop at least once a month if you have the certificates or face losing them and getting nothing.

2. Certificate Cap

There is a limit to how many rewards certificates you can use at one time. If you shop online, you can use five or less. If you shop in the store, the cap is three per visit. You can also only use them on a single item, and you can’t spread them out to multiple ones. This is very restrictive if you purchase more expensive items and have the points to help offset the cost.

3. Rewards Cap

Every billing cycle, there is a cap to how many rewards you can earn. The maximum amount you can earn in a single billing cycle is $250. If you earn more, your points won’t count or add to your account. To be fair, this equals out to getting 500 points 50 times in 30 days. For most people, this won’t be an issue because it’s a lot to spend.

4. APR

The APR is 26.49%. It’s also a variable APR that can fluctuate from one month to the next. This can quickly start to add up for anyone who carries a balance from month to month. Also, it can impact how much you end up spending overall by the time you pay your balance in full.

5. Points Will Expire

If you want to save your points longer, don’t transfer them to certificates. However, the points themselves have an expiration date attached. Once you don’t use your card in 24 months, your points will vanish. This isn’t a huge deal for most people, but you do want to keep an eye on it.

Learn More Directly From Old Navy Plus Old Navy Store Card Applications

Bottom Line On The Old Navy Credit Card

The Old Navy Visa is a unique card that works well for people who shop at the Gap family of stores. It works well both online and in-store, and you can use it with any merchant that accepts Visa. There are several drawbacks to it, but the benefits generally outweigh them.


Merrick Bank Secured Visa® from Merrick Bank

Rebuild credit with the Merrick Secured Visa Card

Merrick Bank Secured Visa

For people with a lower credit score, the Merrick Bank Secured Visa can be a solid way to start rebuilding your credit. You can use it to build up a strong history of on-time payments. But is the Merrick Bank Secured Card right for you? What are the advantages and drawbacks? Does Merrick Bank Secured Card graduate? We’ll answer all of these questions and more below.

Merrick Bank Secured Visa® from Merrick Bank

Merrick Bank Secured Visa – Pros

1. Application

The Merrick Bank Credit Card Application is very straightforward. You do have to be 18 years old at a minimum and have a valid social security number. They have to be able to verify your address in the United States. Additionally, you’ll pay a security deposit with this card. However, the entire application for the Merrick Bank Secured Visa is online. Once you complete it, they’ll let you know within minutes if you get it. If not, they’ll mail you a detailed reason why.

2. Set Your Credit Line

However much you pay for your deposit to open this card will be your new credit line amount. This is nice for people who don’t have a lot of money lying around. The minimum deposit is $200. But, this card has a unique feature. You can add to your initial deposit over time up to $3,000. The more money you add, the more your credit line rises. This looks good on your credit to have higher limits. Compare this Merrick Bank with other secured credit card offers.

3. Free Credit Score

You can’t fix your credit score unless you know what it is and any issues you have with it. With the Merrick Bank Secured card, you’ll have access to your free credit score. This allows you to log in and monitor it whenever you like. It’s great for spotting fraud and seeing how new accounts impact your credit score as a whole. You’ll have access to your credit score for as long as you have the card in good standing.

4. $0 Fraud Liability

If someone gets your card and makes fraudulent purchases, Merrick Bank won’t make you pay them. You do have to report the fraudulent activity to them. They’ll freeze your card to prevent any other purchases. Once they finish their investigation, they’ll wipe out any balances that aren’t yours. Finally, they’ll authorize you a new card that you can set up and use however you like.

5. Auto Rental Insurance

Merrick has a form of auto rental insurance you can use when you travel and need to rent a car in the United States. This can save you both time and money, especially if you travel a lot. This doesn’t cost you anything extra, either. All you have to do is book your car rental with your Merrick Bank Secured Visa card. Everything else will be automatic.

6. Credit Increases

Does Merrick Bank Secured card graduate? The answer is no. After you rebuild your credit score you will need to apply for unsecured line(s) of credit.

7. Reports to All Credit Bureaus

Some credit card companies only report to one or two credit bureaus. Merrick is different. They report to all major credit monitoring bureaus. This means it can help your credit score increase much quicker. However, this also means it’ll drag your score down faster if you miss payments. Double-check all of the credit bureaus and make sure they all have your card information.

8. Available to Low Credit Scores

People with low credit scores usually have a tough time getting credit cards and loans. However, the Merrick Bank Secured Visa comes designed for these lower scores. Since it’s a secured card, you have to pay for your credit line. However, it’s useful for helping you re-establish your credit. Additionally, you can get this card without having a credit history.

Merrick Bank Secured Visa – Cons

1. High APR

The lenders see you as a high-risk borrower. They believe that there is a good chance you won’t repay your balance. To offset this risk, they assign a higher APR to the card. Each month you carry a balance on your card, you’ll pay this rate. So the variable APR starts at 17.45% and goes up.

2. Annual Fee

One thing about the Merrick Bank Secured Visa is that it has an annual fee. Many secured cards don’t have this feature, but this one does. For the first year, you’ll pay $36 for the annual fee. Every year after, the lender charges $3 per month. While this isn’t a huge amount, it can be an expense you don’t necessarily need. The OpenSky Visa Secured Card is very similar to the Merrick Bank Secured Card.

3. Minimum Security Deposit

It is true that the Merrick Bank Secured Visa card has a unique security deposit. However, it does have a minimum. This minimum deposit is $200. If you don’t have it, you can’t open a line of credit with this card. For some people, this could be a struggle to come up with.

4. No Rewards

This is a very basic card with no frills. There’s no rewards program attached to it. This means you won’t get any points you can redeem when you use it. While this isn’t terrible, it’s not convenient. You can use it as a vehicle to learn about controlling your spending and building a solid credit history.

5. Fees

The good news is, there aren’t a lot of fees attached to the Merrick Bank Secured Visa. You will pay an annual feel as we mentioned, and this card has a late payment fee of up to $40 for every late payment. The foreign transaction fee is 2% each time you use your card. You’ll pay a variable cash advance fee of 22.45% as well. These fees can really add up to an unpleasant surprise, especially if you travel with it.

Merrick Bank Secured Visa® from Merrick Bank

Bottom Line on the Merrick Bank Secured Visa Card

The Merrick Bank Secured Visa is a straightforward card for helping people build or re-establish their credit. We recommend starting with it and applying for an unsecured card when your credit score increases. This way, you could potentially get a better card with rewards and make it more worthwhile to use it.


Carter’s Credit Card Pros and Cons Review

Earn rewards and discounts with the Carter's Credit Card.

Carter’s Credit Card Review Pros & Cons

For those people who do a lot of shopping for children, the Carter’s credit card is a great store-branded card to try. If you’re considering signing up for the Carter’s store card, we’ll outline everything you need to know. This way, you’ll be able to decide if this is a good or bad investment in your financial future.

Carter’s Credit Card – Pros

1. Points Per Purchase

The Carter’s store card rewards members with points for every purchase. You earn two points for every dollar you spend, and 150 points are $10. You can use these rewards to purchase more items on store credit. Finally, you can redeem your points for statement credits, gift certificates, and rebates.

2. Special Offers

Rewarding Moments members and Carter’s credit cardholders get a host of special options. At certain points throughout the year, cardholders will get special rewards. This could mean you get bonus points or extra rewards for using your card. You could also get flash sales and special discounts mailed to you. On your child’s birthday, you’ll get a special surprise offer mailed to you.

3. Early Access to Sales

Carter’s is a store that routinely has huge sales throughout the year. If you have the Carter’s store card, you earn early access. The store will send you sneak peeks to their biggest sales and events. You can use this information to plan what you want to buy. Additionally, you get to shop hours before people who don’t have the store card for even more savings.

4. First Purchase Discount

Once you get the card, you get rewards for your first purchase. Buying something with the card will earn you 25% off. Additionally, you can use this on clearance and doorbuster items. If you shop on Black Friday, imagine how much you could save.

5. Easy Application Process

The application process for this card is very straightforward. You can apply online for the Carter’s Card or in the store. A sales associate will help you with the in-store application process. It only takes a few minutes, and you’ll know right away if you can get it or not. You’ll fill in your necessary information and submit it. It accepts people with average, fair, and excellent credit scores. So this widens the applicant pool a bit.

6. Grace Period

If you don’t have enough money to pay your Carter’s credit card balance, you get a nice grace period. Each month, the grace period is 25 days. During these 25 days, you won’t pay additional interest. Instead, you can focus on paying off your card’s balance with your next check. This is great news because the interest on this card can stack up very fast.

7. Free Shipping

When you shop with your card, you don’t have to worry about paying shipping costs. Cardholders get free shipping on all of their orders. This is especially nice around the holidays or when you want to purchase a few items. They’ll ship throughout the United States with quick shipping times.

8. Extra Gift for Signing Up

Carter’s gives cardholders their “Special Hello” offer when you first sign up. This reward comes into play after you make your first purchase. When you do, Carter’s will send you your gift. This gift could be anything from a small gift certificate to points that you can redeem however you like. The gift does rotate and change throughout the year.

9. Works at Carter’s Owned Companies

Carter’s is a parent company of OshKosch B’gosh and Skip Hop. People who frequently shop at any of these stores can use the Carter’s credit card to make their purchases. You’ll earn points from shopping at each store. Additionally, you can shop in person or online and earn your rewards.

10. Mobile App

The mobile app for the Carter’s credit card is very user-friendly. You can download it on your phone to help you track your purchases and rewards. The app works on both Android and iOS systems. You create an account from Carter’s and can check your orders on your tablets and PCs too.

11. No Annual Fee With the Carter’s Store Card

There is no annual fee attached to this card. This is a very nice perk if you’re someone who only uses it once or twice a year. You won’t have to worry about trying to earn enough rewards to justify paying the fee. However, many store-branded cards don’t have an annual fee because they’re restrictive.

Carter’s Credit Card – Cons

1. Store-Branded Card

The Carter’s credit card is store-branded. This means that the rewards you earn aren’t good anywhere but at the store. You also can’t use this card anywhere but at Carter’s, Skip Hop, or OshKosch B’gosh. If you don’t have kids or anyone you routinely buy children’s clothing for, this is extremely restricting.

2. APR

As this is a store-branded credit card, it comes with a higher APR attached to it. You’ll pay an APR of 27.49%. If you routinely carry a balance from month to month, this can add up very fast. One way to avoid this APR is to pay off your balance each month. So this way, it helps to reduce the sting of the higher rate.

3. Have to Add the Kids to the Account

If you want to get the birthday surprise each year, you have to register your kids in your account. If you don’t, Carter’s will skip sending out the surprise on their birthday. This isn’t a huge thing; it’s very easy to miss. It can also be difficult to register in the first place.

What bank is Carter’s credit card?

Carter’s® Credit Card Accounts are issued by Comenity Capital Bank.

Another popular store card is the Wayfair Card. The Wayfair credit card is ideal for parents looking to buy baby furniture and decor.

Learn about the ten easiest store cards to get.

Bottom Line on the Carter’s Store Card

The Carter’s credit card is a good choice for people who have kids or do a lot of shopping for kids. It has several perks and relatively few shortcomings that make it an attractive offer. It’s also easier for people with average credit to get. This makes it a solid choice for many people.


BankAmericard Secured Credit Card Review

The BankAmericard Secured Credit Card helps build credit.

BankAmericard Secured Credit Card

Are you trying to establish, build, or rebuild your credit? If so, the BankAmericard secured credit card can help. It has several highlights and benefits for cardholders that takes the sting out of it being a secured card. These points also make it a solid choice for anyone who is trying to decide between one card and the other.

BankAmericard Secured Credit Card Pros

1. Better Approval Odds

The Bank of America secured credit card comes designed for people with bad credit. You make a deposit before you get the card. Whatever this amount, it ends up being your line of credit. If you make a $500 deposit, you’ll have $500 to spend. Depending on your credit, you may get your deposit back. This increases your approval odds, even if you have bad credit.

2. Monthly FICO Score Access

You can’t fix your FICO score if you can’t monitor it. One of the first things you should do is take a look. Dispute any errors you see. If you have accounts in collections, try to pay them off. Check your score every month once you get this card. It’s free to cardholders. Eventually, your payments will help raise your score. However, you don’t want to be late with them because this can hurt you.

3. Flexible Credit Limit

Your maximum credit limit depends on your income, ability to pay, and the security deposit. It ranges from $300 up to $4,900. You decide how much you can reasonably afford. You can always ask for a credit increase later after you establish your ability to pay. This flexibility allows people of all economic situations to take advantage of this card.

4. Bank of America Mobile Online Banking App

The BankAmericard secured credit card comes with a mobile banking app. You can opt in to get monthly updates on the factors that impact your credit score. For example, they’ll send you information and tips to keep your score healthy. For people who have no idea what goes into maintaining your credit, this is very helpful.

5. Free Credit Education

Building your credit is so much more than just making your payments on time every month. Instead, there’s a host of things you have to do. Do you know how to use your credit card responsibly? How about how interest works? Can you create and stick to a budget? All of these small things really add up. Using the free credit education this card offers can make you more financially responsible.

6. No Annual Fee

The BankAmericard secured credit card comes with a $0 annual fee attached. This is excellent news for people who don’t plan to use their card a lot. You don’t have to try and justify paying an annual fee if you use the card sporadically. Additionally, many people who need secured cards don’t have the extra money laying around to pay an annual fee. Not having one if the first place removes the stress.

7. Return the Deposit at Any Time

Traditionally, you’d have to close out your account in good standing to get your deposit back. However, the BankAmericard secured credit card differs here. Bank of America will periodically review your account. They can choose to return your deposit at any time, usually after the year mark. This is why it’s important to use the card responsibly and make on-time payments.

8. $0 Fraud Liability

There are security features with this card. For example, it comes with a $0 fraud liability. If someone uses your card without your permission and you report it, you won’t pay the balance. Bank of America will give you a new card with a clean slate. There are email and text alerts you can enable as well.

BankAmericard Secured Credit Card Cons

1. High APR

Since the Bank of America secured credit card targets people who have bad credit, you’ll pay a higher APR. What’s worse, you’ll pay this fee each month you carry a balance. The APR for this card is 24.99% each month. If you carry a balance for several months, this can really add up. You can avoid the APR by paying your balance in full each billing cycle.

2. Foreign Transaction Fee

You shouldn’t use this card through a non-US bank. There is a foreign transaction fee attached of 3%. Bank of America will apply this 3% fee each time you make a transaction through one of these banks. You’ll see your total at the end of the billing period. So if you’re not careful, you can end up with hundreds of extra dollars to pay. Also, if you don’t pay it off right away, you’ll pay the APR too. The Capital One Secured Card charges no foreign transaction fee.

3. No Bonus or Rewards

The BankAmericard secured credit card is very basic. It works well to build or reestablish your credit. However, this is no bonus for signing up. There is also no reward program like you can get with other types of cards. There are even secured cards with bonus programs available. You can upgrade to more robust cards once you build your credit a bit.

4. Not Guaranteed a Deposit Back

Most secured cards will give you your deposit back if you close the account out in good standing after at least a year. However, this one is different. Bank of America reviews every applicant to see if they’re worthy of getting their deposit back. It’s not a guarantee. So, you could be out hundreds of dollars when you close the account. The Discover it Secured Card offers cash back.

5. High Late Payment Fee

Missing a payment can do more than hurt your credit score. If you miss a payment with the Bank of America secured credit card, you’ll pay a high late payment fee. This fee is $40 each time you miss one. They’ll add it on top of your current balance. If you habitually miss payments, you could end up spending hundreds.

Bottom Line

Who could benefit from having the BankAmericard secured credit card? Anyone that needs to rebuild their credit or learn how to use a card responsibly can benefit. It’s a good beginner card with solid benefits and not a lot of drawbacks. So if you need to rebuild, build, or reestablish your credit, we recommend you take a look.


Auto Loan Refinancing 5 Things To Know

Auto Loan Refinance - Five Things to Consider Before Refinancing Your Car Loan

5 Things to Know When Refinancing an Auto Loan

Refinancing your auto loan is a major decision, but it’s often the best way to deal with car-related debt. Without refinancing, you could be forced to pay late fees or even default on the loan if you’re unable to make payments.

This article will cover some of the most important things you should know if you’re considering refinancing your auto loan. Keep in mind that every situation is different—this strategy is good in some circumstances, but in others refinancing could result in a higher total cost compared to making on-time payments toward the original balance.

1. How Auto Refinancing Works

Refinancing an auto loan is similar to refinancing any other form of credit—you are essentially taking out a new loan to pay off your existing balance.

This could be because you’re having trouble keeping up with your payments.  While you’ll likely spend more in interest, you’ll save money by avoiding the costs that come with making late payments.  In this case, you might be able to find a loan with a longer term, allowing you to make smaller payments each month over a longer period of time.

Of course, if you’re a strong borrower, you could also potentially save money in the long run if you can refinance at a significantly lower interest rate than exists on your current loan.

If you’re thinking about refinancing, make sure to shop around and compare offers from several different options before committing to a specific lender.

2. When Auto Loan Refinancing Is a Good Idea

Refinancing can save you a lot of money, but that doesn’t mean it’s always the right thing to do. You should generally consider refinancing for one of two reasons—this is a major financial decision, so it’s important to think carefully about the pros and cons of each option.

You Can’t Make Payments

The most obvious time to refinance your auto loan is when you’re having trouble making the payments you agreed to when you took out the original loan. High monthly payments can make your budget much more difficult to manage and cut into other areas of your life.

Paying more in interest is a small price to pay to avoid more serious obstacles like defaulting on a loan. Late and missed payments will also hurt your credit score and prevent you from accessing lines of credit later on, so you should refinance as soon as possible if you know you’re not going to be able to make payments.

You Found a Better Offer

Interest rates fluctuate constantly, so the best available offer when you purchased your car may not be as good as the one you could get now. Paying a lower interest rate will allow you to pay off your balance with less money and help you save more cash for other areas of your budget or even put together an emergency fund.

Even a slightly lower interest rate could save you hundreds or even thousands of dollars depending on the size and term of your loan, so you should always be looking at refinancing options to see if there’s a better offer. Car dealerships typically offer loans with higher interest rates compared to more conventional lenders.

3. When to Avoid Auto Loan Refinancing

These are two of the best signs that refinancing could be right for you, but there are also some situations in which you should stick to the original loan. These are a few of the most important drawbacks that lead people to pay off their balance rather than refinancing with a new loan.

You’ve Made Progress on the First Loan

Interest payments can be incredibly frustrating, and they often lead people to feel like they aren’t making progress on their loans. That said, you typically pay more interest over the first half of a loan than the second—as the balance decreases, less interest compounds each month.

If you’ve already paid off the majority of your original auto loan, you probably won’t save much money by refinancing, even if you’re able to find a loan with a lower interest rate. Refinancing earlier on gives you the opportunity to save more on interest while reducing your monthly payment and freeing up cash flow.

Your Auto Loan Carries Prepayment Penalties

You might assume that paying off a loan as quickly as possible is the best way to minimize interest, but many loans charge prepayment penalties designed to give lenders as much interest as possible. These fees remove the incentive to pay off your balance and make refinancing a less attractive option.

Other loans calculate all interest upfront and require you to pay the entire bill regardless of when you finish paying off the principal. Refinancing fees for things like re-registration and lien holding can also add to your costs, although they typically make up a small payment compared to how much you could save by refinancing.

Your Car Has Already Depreciated

Cars depreciate more quickly during the first few years of ownership than at any other time, so most lenders are reluctant to offer refinancing loans after this period. It’s generally easiest to refinance within the first three to five years of owning your car, although some lenders may be willing to work with you later.

4. The Importance of Credit

Interest rates fluctuate naturally based on market conditions, but your refinancing options are mainly determined by your credit report and your history as a borrower. People with a higher credit score have access to more loan offers and more options with competitive interest rates.

If you have a poor credit history, lenders see you as less reliable and will charge more in interest to compensate for the additional risk. Refinancing is a great option if your credit has significantly improved since you purchased the car, as you may be able to find a loan with a substantially lower interest rate.

With that in mind, you should do everything possible to maximize your credit score if you know you’ll need to consider refinancing options. Some of the easiest ways to improve your credit include making on-time payments, using less than 30 percent of your credit limit, and regularly checking your report to identify irregularities and inaccuracies.

Keep in mind that refinancing itself may hurt your credit score, although the impact shouldn’t be more than a few points. You should avoid refinancing and other types of credit if you know that you’ll be applying for a new line of credit in the near future. This is especially critical for mortgages, auto loans, and similar loans—the larger the balance, the more important it becomes to find the lowest possible interest rate.

5. How to Find the Right Auto Loan

If you’ve decided to refinance your auto loan, the next step is comparing your options and looking for a loan that meets your needs. You should start shopping around well before you need the money—the longer you wait, the less time you’ll have to look at offers and wait for the perfect opportunity.

The interest rate is the most obvious factor to consider when comparing loans, but there are a number of other important criteria that should affect your decision. A longer term, for example, gives you more time to pay off the loan and increases your cash flow by requiring smaller payments each month.

On the other hand, shorter terms give you the chance to pay off the balance more quickly and avoid more interest. You should look for a long-term loan if you need cash flow immediately, but short-term loans are better if you’re simply looking to save money relative to the original loan. Remember that everyone is in different circumstances—the right answer for you depends on your unique financial situation and goals.

Refinancing an auto loan for the first time can be confusing, and it’s often difficult to determine which strategy gives you the chance to save as much money as possible. With so much to consider, it’s easy to feel overwhelmed and simply stick to the original loan. These tips will help you identify the best refinancing options for you and pay off your debt as quickly as possible.


Citi Prestige Card Review Pros and Cons

Citi Prestige - Reviewing Pros and Cons

Citi Prestige Card Review

The Citi Prestige card is one of the more expensive options available. However, it comes with benefits that can be huge for cardholders. Is the Citi Prestige card worth it? We’ll outline the pros and cons below. This way, you’ll know whether or not this is a card you want to add to your wallet.

Citi Prestige Card Pros

1. Priority Pass

Cardholders with the Citi Prestige get Priority Pass. This service makes traveling and waiting in airports more convenient. You’ll get access to hundreds of airport lounges across the country free of charge. This is great for frequent flyers who want a chance to rest in comfort and style between flights. So all you have to do is show your card, scan it, and you’ll gain access.

2. Bonus

You get bonus points if you spend $4,000 in the first three months of having the card. Depending on where you fly, that’s like two or three ticket purchases. You can use these points to redeem rewards whenever you like. If you don’t make the spending limit in four months, you won’t get your sign up bonus.

3. Rewards Rate

This card has a very generous rewards rate for their cardholders, but how much are Citi Prestige points worth? You earn five points for every dollar you spend at restaurants and for air travel. You earn three points per dollar on cruises and hotels. Every other purchase will earn you one point per dollar spent. The points never expire, and you can stack them as long as you want.

4. Complimentary Hotel Stay

Twice a year, Citi Prestige cardholders get two complimentary fourth-night hotel stays. You do have to book four consecutive nights in a row for this to work. Additionally, you have to book through the ThankYou.com portal. However, this can quickly add up to hundreds of dollars in savings each year.

5. No Blackout Dates

One of the most frustrating things about traveling and using points is blackout dates. However, the Citi Prestige card makes this a thing of the past. There are no blackout dates with this card. This means you can book flights 365 days of the year without a problem. It’s especially useful for holiday travel.

6. Several Redemption Options

Unlike some cards, you have a host of ways to redeem your points with this card. You can use them for travel and airfare. However, you can also redeem cash, merchandise, and dozens of gift cards. Since the points don’t expire, you could easily stack them for larger redemption offers. You can pool them with other Citi cards too!

7. Transfer Points

There are 13 travel partners connected to Citi. You can transfer your points to any of these 13 partners. The points transfer at a 1:1 ratio. This is convenient if you don’t normally travel with one specific airline or travel agency. You’ll still get to use your points when you travel, no matter the airline.

8. Annual Travel Credit

Each year that you use your Citi Prestige card and keep it in good standing, you get a credit. This is a $250 credit, and Citi will apply it automatically. It’ll show up each year and apply to your eligible travel purchases. The great thing is that you don’t do anything extra for this credit.

9. Cell Phone Protection

If you pay your cell phone bill each month with your Citi Prestige card, you’ll get additional protection. This protection doesn’t cost you anything. They’ll reimburse you the cost to repair or replace your phone if it gets stolen or damaged. So this protection plan works for up to five phones and $1,500 in yearly benefits. Another credit card that offers this is the Wells Fargo Propel American Express® card.

10. Banking Annual Credit

If you’re a qualifying Citigold client, you’ll earn $145 in statement credits each year. To get this credit, you have to have a Citigold account. Every authorized user you have on your account will earn you a $25 statement credit. Again, you do nothing but keep your card in good standing to automatically earn it. Review travel offers for TSA PreCheck and Global Entry credit cards.

11. Security

Fraud and identity theft are huge problems. However, the Citi Prestige card protects cardholders. They monitor your account and sent you early fraud warning signs. They’ll also reimburse you for fraudulent purchases. This will help you get your life back on track much quicker.

Citi Prestige Card Cons

1. Annual Fee

This card is one of the most expensive available on the market today. Each year, you’ll pay $495 just for having the card open. It doesn’t matter if you use it all of the time or not. You’ll pay this fee. This makes you spend more in order to justify the high annual fee amount.

2. Have to Book Through the Citi ThankYou Portal

In order to earn points, you have to book all of your travel through the Citi ThankYou Portal. If you forget or don’t do it, you won’t earn points on your purchase. While this isn’t the worst thing in the work, it can be inconvenient.

3. ThankYou Point Value

Although you can earn a lot of points, ThankYou Point values are relatively low compared to other cards. They’re roughly one cent per point with airline points being 1.25 cents per point. So, 100 points is a dollar. If you travel a lot, you can make this work for you. However, it also means your signup bonus is on $50.

Is the Citi Prestige Card Worth It?

The short answer is that it depends. If you travel a lot, you could outweigh the steep annual fee. You also earn some great luxury travel benefits. So, we’d say that it is worth it for higher spenders and frequent travelers.

However, if you don’t travel or spend a lot, it’s going to be difficult to offset the fee. It’s also difficult to combine your points due to the relatively low point value. Finally, take a look at your spending and travel habits while you weigh the pros and cons. This will help you decide if the Citi Prestige card is a good fit or not.

Advertiser Disclosure for the CreditFast website – CreditFast.com, provides information about the best credit card applications, as well as other financial products and services. Our goal is to provide you with fair, balanced reviews. Some credit offers that appear on our website are from companies from which CreditFast receives compensation, and some are not.


TSA PreCheck and Global Entry – Best Credit Cards

Airport Security Best Credit Cards - TSA PreCheck and Global Entry

What are the best credit cards for Global Entry and TSA PreCheck?

For frequent travelers, TSA PreCheck services can be invaluable. For low-risk passengers, global entry is another excellent service that can speed checking in along. Did you know that some credit cards offer reimbursement for global entry or TSA PreCheck services just for having it? We’re going to go over what these two things are before listing a few credit cards you can compare below.

Defining TSA PreCheck

If you enroll for TSA PreCheck, you get a few benefits. First, you go through a special security line. You won’t have to remove your jacket, belt, laptop, or liquids from your bag. The lines are also significantly shorter than traditional TSA lines. This can help you get on your flight quicker with less hassle.

You do have to renew your TSA PreCheck every five years. So without a credit card that reimburses you, you’ll pay $85 for the service. There are over 200 airports that accept this service, and there is no age limit to use it. It’s open to U.S. citizens, U.S. nationals, and permanent residents.

Defining Global Entry

The second perk travelers can use is the Global Entry system. If you enroll in this system, you’ll automatically enroll in the TSA PreCheck. Participants get expedited clearance using special kiosks when they arrive in the United States. You go to the machine, present your passport, scan your fingerprints, and sign a customs declaration.

The kiosk will then print you a receipt, and you’re free to go to the baggage claim. You renew your enrollment every five years, and the cost by itself is $100. You won’t go through processing lines, and it reduces your wait times. There is no age limit for this program. It’s open to U.S. citizens, U.S. permanent residents, and citizens of certain countries.

The Eight Best Travel Cards That Come With Global Entry or TSA PreCheck Reimbursement

Now that you know what both perks are, we’ll go over a few cards that offer reimbursement. Remember, if you have Global Entry, you automatically have TSA PreCheck enrollment. Before applying it is important to read all terms and conditions of each offer. The best cards include:

1. Capital One Venture Rewards Card

Capital One Venture card gives you a $100 credit every four years for either fee. All you have to do is pay for them with your card. Additionally, you get 50,000 miles for spending $3,000 in the first three months. You can earn unlimited double miles on each purchase. If you stay at certain hotels and pay for it with the card, you get bonus miles. The first year has no annual fee; then it goes to $95.

2. Citi Prestige Card

You can earn up to $250 in travel credit each year with the Citi Prestige® Card. You get five times the points on airlines and three times at hotels and cruises. If you spend $4,000 in the first three months, you get a 50,000-mile bonus. This card does have a steep $495 annual fee attached to it. However, extensive travelers can balance it out with rewards.

3. Bank of America Premium Rewards

With the Bank of America® Premium Rewards® credit card, you’ll get two points for every dollar spent on travel. One point for everything else. There is a 50,000-mile welcome bonus for spending $3,000 in the first three months. There is no foreign transaction fee, and this makes it excellent for global use. The $95 annual fee is very reasonable for a rewards card as well.

4. American Express Platinum Card

Every four years, this card will reimburse you $100 for Global Entry or TSA PreCheck fees. Every flight you book directly through the airport and pay for with this card earns five points per dollar. So if you book hotels through amextravel.com, you’ll earn five points per dollar. Every other dollar spent is one point. You’ll get 60,000 points for spending $5,000 in the first three months. There is an annual fee of $550.

5. United Explorer Card

The United Explorer Card launched in 2018, will reimburse your fees once every four years. There is a $95 annual fee they waive the first year. Credits post within 24 hours, and this makes it extremely quick. You’ll earn double points for United purchases and double points for hotel and restaurant accommodations. Priority boarding, free checked bag, two lounge passes for United, and 25% back on in-flight purchases are available.

6. Chase Sapphire Reserve Card

With the Chase Sapphire Reserve®, you’ll get $100 back once every four years for your application fees. Each year, you’ll get a $300 statement credit to cover your travel expenses. The card gives you 50,000 points if you spend $4,000 in the first three months. It also comes with triple points per dollar spent on travel and dining purchases. The annual fee is $450.

7. Citi AAdvantage Executive World Elite MasterCard

Every five years, you’ll get a reimbursement for your fees. If you spend $5,000 in the first three months, you’ll get a 50,000-mile bonus. There is a full Admirals Club membership that gives you access to 120 lounges across 90 countries. Since an Admirals Club membership is $500 by itself, this makes up for the $450 annual fee. You’ll earn priority boarding, 25% reimbursement for in-flight purchases, and Elite Qualifying Miles.

8. MasterCard Black Card

This card offers one point for each dollar you spend. You can redeem them at a rate of 2% for airline credit or 1.5% for cash back. It comes with a $100 annual travel credit and no foreign transaction fee. The Luxury Card VIP Travel Program is another perk. It gives you upgrades, complimentary food and beverages, car rental, and spa credits. It has a $495 annual fee.

Bottom Line on the Best Credit Cards for TSA PreCheck and Global Entry

For travelers, having the correct cards can result in huge savings year after year. So Global Entry and TSA PreCheck service reimbursement alone can save you hundreds of dollars. We invite you to compare the various cards we laid out for you above side by side. This will help you match the best card for your preferences to maximize your savings. Safe travels!

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 travel credit card. We have chosen travel credit card offers based on our editor’s recommendations.


Deserve Edu Mastercard – International Students

International students apply for the Deserve Edu Mastercard

Deserve Edu Mastercard Review

Building your credit and learning to manage your finances early is essential. The Deserve Edu card can help with both these goals. As a credit card for international students, the Deserve Edu Mastercard comes with several unique perks. So we’ll outline all of them for you below. This way, you can decide if the Deserve Edu credit card is a good choice for your situation or not.

Deserve Edu

Deserve Edu Mastercard Pros

1. The Deserve Edu Card Helps Build Credit

This Mastercard comes specifically designed for students. This means that it has requirements suited for students for the approval process. When you start making payments, you build your credit. As long as you don’t miss any, it lays the foundation for a solid credit score. Lenders will look favorably on this, and it makes them open for offering other credit lines.

2. No Annual Fee

Since you’re just learning how to use a credit card, you may not use it as much. The Deserve Edu Mastercard doesn’t come with an annual fee. This is great news for anyone who uses it. You can use it as much or as little as you need without trying to justify paying a fee. It also lets you keep all of the rewards you earn throughout the year.

3. No Co-Signer or Deposit

Many credit cards for young applicants require a deposit or co-signer for approval. Most college kids don’t have much money so that a deposit would be out of the question. You don’t have to worry about this with the Deserve Edu Mastercard. You can apply on your own for this student credit card, and you don’t need additional money to secure it.

4. Scholarship Opportunity for International Students

If you’re an international student with this card, there are scholarship opportunities. There will be 10 scholarships for $10,000 each with the Deserve International Student Scholarship. For many people, this could help get through at least two semesters, or it could cover room and board. It’s very quick and easy to apply for them too.

5. No Social Security Number Required

Many international students don’t have a credit history or social security number. This stops them from getting virtually any type of credit card. However, the Deserve Edu Mastercard is different. It doesn’t use a traditional route to check your creditworthiness. It uses your major, U.S. bank account balance, student visa, and how easy it will be for you to find a job. So if you pass that check, they’ll extend a line of credit. This helps you avoid being rejected for a student credit card.

6. No Foreign Transaction Fee

If you want to go home for a vacation, you can use your card abroad. There is no foreign transaction fee with this card. It makes sense since Mastercard designed it for international students. You can use it at virtually any ATM or non-US bank in the world without additional fees.

7. Roadside Assistance

Cardholders get roadside assistance when they get this card. Roadside assistance protects you if your car should break down. A tow will come to get your car and give you a ride. They do this without charging you money for it. For most cards, it also includes flat tires, battery services, lockouts, fuel delivery, and extrication. You can call 24 hours a day.

8. Price Protection

You should make your expensive purchases on the Deserve Edu Mastercard. If you do, it entitles you to price protection. If the cardholder finds the item for a lower price, they’ll refund you the difference. This is great if you have to buy a tablet or a computer for your school.

9. ID Theft Protection

If you lose your card or someone steals it, Mastercard will protect you. If someone steals your ID, any charges won’t be your responsibility. Mastercard will close out your card and reissue it. They’ll wipe out any charges that aren’t yours to protect your money. Since ID theft is so common, this is an extremely important feature to have on any card.

10. Deserve Edu Credit Card Waiver for the First Late Payment

If you miss a payment or forget to pay it, Mastercard will forgive it. This can protect your payment history. Even a single late payment can result in damage to your credit score. However, they won’t forgive more than one payment. If you can, put your card on automatic payments. This way, you’ll never have to worry about missing another one.

11. Deserve Edu Card Rewards

This card is a rewards card, and this is rare for a beginner credit card. You’ll earn 3% back on entertainment and travel. There’s 2% cash back at restaurants, and 1% back on everything else. Once you get $25 in rewards, it turns into a statement credit. This can help you pay the bill.

Deserve Edu Mastercard Cons

1. The Deserve Edu Credit Card is Only for Students

If you can’t produce of enrollment in a college or college program, you can’t get this card. The Deserve Edu Mastercard requires you to provide your school when you apply for it. This shuts out a huge amount of potential applicants. Fortunately, the Deserve Pro Mastercard® is an option for those who not students.

2. High APR

You’ll pay an 18.74% Variable APR each month you carry a balance. This can quickly add a decent amount of money to your balance. It’s also a way to get deeper into debt if you’re not careful. The APR is also variable. This means that it can change over time. However, this is usually very gradual and slow.

3. Deserve Edu Credit Card Credit Limit

The Deserve Edu Mastercard has a credit limit that tops out at $5,000. While this isn’t terrible, it’s something to consider. If you only want to use 33% at the most, you can’t go over $1,650. In an emergency, this wouldn’t be difficult to blow past this amount.

Bottom Line on the Deserve Edu Card for International Students

Finally, for international students, the Deserve Edu Mastercard is a solid option. Vendors around the world accept it, and it has a host of perks associated with it. It’s worth a look, even if you only use it in an emergency.

CreditFast has reviewed the best student 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 college credit card. We have chosen student credit card offers based on our editor’s recommendations.


Credit Card Application Denied – 10 Reasons

Credit card application denied!

Credit Card Application Denied – Why Did I Get Denied a Credit Card?

Have you ever applied for a credit card and got a denial? If you have, you’re not alone. There are literally thousands of people who have had their credit card application denied. Whether it was a denied credit card too many inquiries or something else, it can be discouraging. There are other factors that can result in your credit card application denied, and we’ll outline them for you below.

1. Thin Credit History

Lenders look at your credit history to see how reliable you are with your finances. They like to see a mix of accounts with a long history of on-time payments. If you don’t have a limited credit history, they’re hesitant to lend to you. Also, they see you as a riskier client that has a high probability of not paying them back.

2. Credit Balances Are Too High

Ideally, you only want to utilize 33% of your credit card’s limits at the most. If your balances go beyond this amount, it’s a red flag to lenders. You may be living beyond your means. You could easily end up with your credit card application denied. So the best thing to do is to pay down your balances. Work to keep your credit utilization below 33% across all of your cards.

3. Unemployed or Low Income

Your income can also play a significant role in your acceptance or denial when you apply for a new credit card. Lenders have to see that you have the income required to make your payment each month. Unemployed or low-income people may have trouble paying on time. Some lenders may even ask for proof of income before they accept your application for a credit card.

4. Denied Credit Card Too Many Inquiries

When you apply for a credit card or loan, an inquiry goes on your credit report. They can stay on your credit report for two years. They only lower your score a few points. However, denied credit card too many inquiries is very common. If lenders see a sudden cluster of inquiries, it’ll make them worried. They’ll wonder what’s happening right now that is so urgent. Minimizing your inquiries is the best way to avoid getting your credit card application denied.

5. Too Many Credit Cards

While it’s good to have a mix of accounts, too many credit cards isn’t good. Each credit card issuer has a different amount of credit cards they’ll accept. If you fall over their limit, they’ll deny your request. Having a lot of credit cards is another red flag that you’re living beyond your means. It also increases your chances of missing payments or forgetting them entirely.

6. Missed Payments

Your payment history makes up the bulk of your credit score. Even one late payment can cause your score to drop significantly. Credit lenders take your payment history into careful consideration when they approve or deny credit. Ideally, they like to see no or very few missed payments. If you have them, concentrate on not missing any going forward and build your payment history.

7. Recent Public Record or Collections

If an account sits in collections long enough, it’ll eventually become a public record. They hurt your score less over time. However, they can drop your score when they first appear on your credit report. These are serious delinquencies that ward off credit card lenders. It can result in your credit card application denied because the lender doesn’t think you have enough money for your debts. Paying these off can help. You can also negotiate to remove them from your credit file.

8. Errors on Your Credit Report

Errors on credit reports are extremely common. This is especially true if you’ve never checked it. Errors can drop your score and ruin your chances of getting a credit card. If you see errors, dispute them with the credit bureaus. They’ll do an investigation. If they are errors, they’ll remove them from your credit report. This can boost your score. It also cleans up your credit history. In turn, lenders will be more willing to work with you.

9. Charge-Offs on Your Credit Report

A charge-off is a huge issue for lenders. It’s a credit card balance that you didn’t pay for at least six months. If you didn’t pay another card, there’s no proof you’d pay this one. New credit card companies will hesitate to extend you a line of credit. You can try to negotiate to pay it off for removing it from your credit report. However, most will leave it on but update that you paid in full.

10. Recent Delinquency

Maybe you have a solid payment history, but you recently missed a payment. A popular reason for your credit card application denied is due to having recent delinquency. Even if you made your next payment on time, lenders would look at it. They may wonder if you’re slowly losing the ability to pay your debts. You should wait a few months, pay everything on time, and try again.

How to Improve Your Credit Score

If you got your credit card application denied, improve it before you apply again. There are a few ways you can do this, and they include:

  • Authorized User – You can become an authorized user on a family or friend’s account. You’ll get the positive parts of their payment history. Basically, you’ll get your friend or family member’s line of credit. However, they’ll be responsible for the bill if you don’t pay for it.
  • Don’t Miss Payments – Put everything on auto-pay if you can. This will ensure that you don’t miss any more payments. In turn, it helps you build a strong payment history.
  • Pay Down Debt – Start paying down your debt. This will look good to lenders. It’ll also improve your debt-to-income ratio. They’ll be more willing to extend you a line of credit.

Bottom Line – Credit Card Application Denied

A credit card denial can be discouraging. However, there are things you can do to fix your credit before you apply again. Finally, take a look and see why they denied your application. You’ll get a starting point to fix your credit and get the next card you apply for.


Deserve Pro Mastercard Review and Benefits

What is Deserve Pro Mastercard and the benefits of the Deserve Pro credit card?

What are the Deserve Pro Mastercard benefits?

Are you considering adding a solid rewards card to your wallet? If so, have you heard about the Deserve Pro MasterCard? If not, this could be a solid option for you to try. We’re going to round up the biggest pros and cons of the Deserve Pro credit card. This way, you can decide if this card is a viable option for you.

Deserve Pro MasterCard Benefits

1. Generous Welcome Offer

To get the welcome offer with this rewards card, you have to spend $1,000 in the first three months. This totals out to $333 per month. Most people spend this amount in the grocery store! So if you spend this amount, you’ll earn a full year of Priority Pass from MasterCard. You can use your Priority Pass to gain access to thousands of airport lounges around the world. For people who travel a lot, this is an excellent bonus.

2. Strong Rewards

You’ll earn rewards in multiple categories when you use the Deserve Pro credit card. First, you earn 3% back on all travel and entertainment purchases. You get 2% back on all dining up to $500 per billing cycle. Everything else is 1% back, including any dining purchases over $500. However, this resets each billing cycle. So, you have a lot of reward potential.

3. No Annual Fee

Unlike many rewards cards, the Deserve Pro MasterCard has no annual fee attached to it. If you don’t use the card a lot, you won’t have to justify an additional cost. For cardholders who use it a lot, you’ll get to keep all of your rewards. This allows you to get the most out of every purchase and reward point you earn. So it works out for everyone, no matter your spending style.

4. No Foreign Transaction Fee

Since this card offers Priority Pass, it makes sense that it doesn’t have a foreign transaction fee. You’ll be able to travel anywhere in the world and use your card. It works through non-US banks, and you won’t pay extra for it. So this is great news for travelers who don’t want to carry a lot of cards with them. You can carry this one and use it anywhere.

5. Wide Acceptance

Along with Visa, MasterCard is the most widely accepted credit card lender available. This is especially important when you travel. Almost all vendors accept this type of credit card. Again, this reduces the number of cards you have to bring with you. It also makes it easy to buy everything you need, anywhere in the world.

6. Rewards Never Expire

As long as your account is in good standing, the Deserve Pro MasterCard will let you stack rewards. They never expire. This is for people who don’t use their credit cards as much and are looking for a low usage credit card. They can slowly accumulate points. So if you have something big coming up, stacking your rewards for a few months can be very helpful.

7. Cellphone Protection

If you pay your cellphone bill with this card, it’ll give you extended protection. This protection works against damage or lost or stolen phones. It’ll also cover one problem with your cellphone every year. If you sign up for Mint Mobile with the card, you’ll get a $45 statement credit. This is good for unlimited talk and text.

8. Rebate for Lemonade Insurance

Lemonade is renters and property insurance. They’ll give you a rebate if you pay three consecutive months with your card. When you do, you’ll get a $10 statement credit. Since Lemonade starts at just $10 to $15 per month, it’s like getting a deeply discounted or free month.

9. Feather Furniture Rental Rebate

If you have a Feather Furniture Rental company around you, the Deserve Pro MasterCard can get you a rebate. All you have to do is rent furniture using your card. When you checkout, use the code DESERVE100. This code will give you $100 off your first month’s rental price.

10. Extended Warranties

Buying products with this card gives you access to extended warranties. Typically, it’ll add an additional year of protection to your electronic devices. The original warranty has to be under three or five years, though. If it’s not, you won’t get an extended warranty.

11. MasterCard Platinum Benefits

MasterCard Platinum benefits include a host of perks. First, you get zero-fraud liability. You get emergency assistance almost everywhere you go. Also, it gives you early access to tickets for events, shows, and dining experiences. Hotel deals, travel deals, rental car assistance, and booking destination limos are benefits you can claim.

Deserve Pro MasterCard Drawbacks

1. Credit Score

This is a reward credit card, so it has higher credit score requirements. So this blocks out a lot of potential cardholders. You’ll need a credit score right below or at 700 to qualify. The closer your score is to 700, the higher your APR will be. Ideally, your credit score will be well beyond this point. They look for established credit. Deserve offers the Deserve® Edu Mastercard for students who are new to credit.

2. High APR

Again, a higher APR isn’t a surprise since this is a rewards card. However, the APR ranges between 17.74% and 24.74%. It’s also variable, and this means it can fluctuate. If you start with a lower APR, it can rise quickly. For anyone who carries balances, this can be problematic. It can quickly add a lot of additional money to your monthly balance until you pay it off.

3. No Balance Transfers With the Deserve Pro Credit Card

The Deserve Pro MasterCard doesn’t allow you to transfer balances to it. However, since the APR starts the first month, you have the card, this isn’t necessarily bad. You do want to avoid this card if you wish to transfer balances and pay them down, though.

Bottom Line on the Deserve Pro MasterCard

Annual Fee: $0
Credit Recommended: Fair/Good/Excellent
Regular APR: 17.74%-24.74% Variable
Foreign Trans Fee: $0
Late Payment Fee: Up to $25, First Late Fee Waived
Return Check Fee: Up to $37

Is the Deserve Pro MasterCard a good choice for you?

As you can see, the Deserve Pro Credit Card has a host of benefits with a few drawbacks. So it does largely hinge on your credit score and your habits. For people who travel, it can be a solid choice. For people who don’t spend a lot in the set categories, looking elsewhere is a good idea. Finally, you’ll mostly earn 1% in rewards, and this takes a while to stack up. Overall, this is a solid card you should take a look at.


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