The only drawback I can see to this card is the fact that one needs ‘excellent’ credit in order to qualify. Overall, if you have the excellent credit needed in order to be approved for this card, I would go with the offer. This Penfed card is a great for someone who wants to use a credit card to accumulate points and get gift cards or other benefits from trading in their points. I like the better rewards for common purchases like gas and groceries, although that means that big, one-time purchases like plane tickets or appliances won't be earning maximum rewards. Cash loan offers. If you can pay it off every month and use it on everyday household items such as groceries, the benefits will be worth it. My discovercard only gave me a lower APR rate for the first year. All the different point tiers for different places may be a little hard to remember what place gives what amount of points. If you travel this is not a bad card. Just use the card and pay the bill. That, I think, is a really nice feature especially since there is no annual fee. The APRs applicable to your account will be determined by our review of your credit report, information you provide on your application, and other relevant information available to us.U.S. I do like to keep things simple. I'll stick with my Citi Credit Card. If you have very good credit, you can probably get a card with better interest rates, rewards, and perks, but this is good to get you to that point. If we need more time to review your application, you will receive an application ID and a phone number that you can call to check your application status. This protection is only available when cell phone bills are paid from your Wells Fargo Consumer Credit Card. It also has a great rewards system. Plus these additional features and benefits: helps protect your cell phone from damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo consumer credit card. You also have to have an excellent credit rating also. If you don't and pay inside, no points. Another notable plus with the PenFed Platinum Rewards Credit Card is there is no annual fee. Prime Rate to determine your standard variable APR. The Chase and Citi cards did offer a bonus for initial purchases. Besides that, they can only be used for that company's gas. I currently use a discover card that gives me cash back but it is only in percents so it takes forever to really get a good amount of cash back. You can earn points on purchases. The interest rate is great, and the rewards program is good, although it could be better. This card does come without an annual fee though which is very nice. It’s nice to know you can call and talk to someone at any time of day if you have questions; people take services like that for granted. My credit is nowhere near excellent, and therefore I would never even attempt to apply for this card. In my book this is a great card if you can get it. to track purchases and receive notifications of irregular or suspicious activity. The PenFed Platinum Rewards Credit Card is ideal for those of us who are sick of getting almost nothing out of our gas cards. If I had excellent credit, I would absolutely apply for this card. The rewards will make it very worthwhile and the introductory fee is a great kick start to letting you use the card without overpaying. The rates are a little high but they can be dealt with. It wouldn't be worth the risk to have my credit hit with an inquiry when I know I’ll be denied. Subject to credit qualification. All in all it looks like a good card. Honestly if you're looking for credit card to reward your gas and supermarket habits look no further. Five points per dollar spent on gas is the highest I've ever seen and doesn't limit you to only one gasoline company. They do not charge an annual fee but do require an excellent credit score to apply. The special savings and discounts from top retailers sounds about the same as my Bank of America card but unlike my Bank of America card I am not offered golf benefits, sporting events, and complimentary wine tastings. I have the Citi Simplicity Credit Card which is like the complete opposite. If you had this card and used it only for gas purchases I would highly recommend it. The reward points are typical of reward-point oriented cards. Even more beneficial than that, you can use this card wherever you want! It is on the Visa network so it can be used in plenty of places. The APR is kind of high, but there are ones that are much higher. I would definitely recommend this to those with big families. If you already have a Wells Fargo credit card, but you do not have a Wells Fargo checking account: apply for a checking account and select the Overdraft Protection box on the application. It's a really good card to use in such times as we're in and will definitely help the lower class. They offer you really good rewards. While there are other cards like the Chase Freedom that reward these categories, they do not last all year long like the PenFed card. The cash advance rate is equal to the regular rate which is uncommon in cards, but a great feature. Rewards cards are getting very competitive and it's hard to believe it's not offered. I'm surprised they don't have a initial points offer. They have a good rewards point system which allows members to earn money at common places like the grocery store and gas station. However, with a little research, I feel that there are better offers out there. You do need decent credit to qualify but the card is definitely worth it. The holiday shopping season is almost upon us so The PenFed Credit Card is a good way to consolidate your balance before you splurge on Christmas gifts. But when you want to redeem them, PenFed turns around and devalues your earned points at its whim. I am currently a holder of a Capital One Journey Student Rewards Credit Card. The coverage does not apply if the cell phone bill is paid from a Wells Fargo Debit Card, Wells Fargo Business Credit Card, Wells Fargo Commercial Card or from the card that is linked to a Line of Credit. I don't have to deal with all the point stuff either.
DKB Cash with Visa Credit Card – Free …. The interest rates are lower than my current cards as well, however, I make sure to spend only what I can actually afford. If we are able to provide you an approval, the confirmation page and email will also display your credit limit. The rewards feature is very nice it appears that one can get quite a bit of cash back bonuses. Overall this card has some positives and negatives, but I wish the rewards program was structured a little differently--that would make it great. Target visa cash advance. If you already have a Wells Fargo checking account, call to enroll.
HSBC Advance - HSBC HK. Also if you have a balnce to transfer you APR gets dropped low on that so it would be best if you have a balance to transfer onto this card. The interest rate is comparable to the card i currently hold and the cash advance interest rate is very reasonable. I used to drive a truck for work and The PenFed Rewards Card would have really come in handy then. Checkless payday loans kansas city. You should always make your purchases directly with the PenFed credit card. If you can qualify for this card I highly recommend it, especially if you are interested in using a credit card for regular necessities like gas and grocery shopping. Very clever gimmick---if not downright faulty advertising. Auto Rental Collision Damage Waiver provides auto coverage for damage due to collision or theft. For each billing period we will use the Prime Rate, or the average of the Prime Rates if there is more than one, published in the Money Rates column of The Wall Street Journal three business days prior to your billing statement closing date. They have a nice grace period. I have a USAA World Mastercard and do a lot of traveling and the foreign transaction fee kills me. I really like the point system compared to my cash back program because I feel like I can get more out of it. I would recommend this card to friends and family. The APR is high, but that is why with reward cards one should always pay off the entire balance. It is great that they offer rewards on the things that people buy most often. This fact may limit their customer base in light of the current economic times. Altogether if you want low interest rates but don't care too much about a rewards system then this a great card for you. As an added benefit, cardholders have access to premier golf benefits which is something that’s not offered with the Citi Thank You Preferred card. Compared to my Discovercard, you get lots of opportunities to earn points with this PenFed Platinum Rewards card. There are no late fees, no overdraft fees, and no annual fees. A lower rate on such an incredible card would be nice. Sure, you earn a ton of points for gas and groceries. This protection may not be equivalent to or better than other applicable coverage. This card reminds me of the New York & Company store card because theres so many points for your spending and then you get rewards except this card is used for overall spending. I love that they offer higher bonus points on gas purchases, as gas has become very expensive. You get a ton of points for common items we shop for everyday like gas and groceries, which we're never going to stop buying. You understand and agree that you will be liable for payment of all amounts owing on the account. Though some may thing it's a little complicated to understand, but if you sit there and just go over the terms you'll understand it pretty easily. There's no cash advance fee, and the interest rates on cash advances are somewhat low. YOu also get a lot of other travel benefits with this card. But with this you'll be able to do basic household needs and other basic stuff without worries. All this with no yearly fee and that little bit of extra interest is looking pretty good. for better protection against counterfeit fraud when used at a chip-enabled terminal. Coverage does not apply to cell phones that are rented, borrowed, or received as part of a prepaid plan. Use this card for your groceries and gas, and something else like the VentureOne card for everything else to get a little extra cash back. Rates and fees are sort of standard stuff for this card, but what really stands out to me as positive is that there's no Foreign Transaction Fee. This APR will vary with the market based on the Prime Rate. Considering everybody needs food and gas, this is a rather generous offer. I typically hate point rewards and much prefer cash rewards like my BoA rewards card. Their main problem is the non-customer service. Electronic failure or issues related to the software of the device are not covered. Overall, I do like what they are offering. You earn five points on gas purchases, three points on supermarket purchases, and one on everything else that is nice if you travel a lot. Though no other intro rate which seems odd like the no initial points offer. Credit card subject to credit qualification.
There's no annual fee which is very appealing and low transfer APR rates.
Cash Wise Visa® Card - Cash back …. PenFed Platinum Rewards Credit Card is very competitive in comparing to other credit cards. They have some other benefits, but I don't see anything I would use that often honestly. I like what they're giving though there are better cards out there, but this one is definitely not off the recommended list. The PenFed Platinum Rewards Credit Card is not for me. What this means for you: when you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. Target visa cash advance. My favorite thing since I am close to Canada is there is no foreign transaction fees. Trying to call "customer service" is as bad as going to the dentist.After pushing an endless string of numbers you finally are ready to stand inline and wait,wait,wait,wait for someone to pick up the phone. Emergency Card Replacement and Cash Disbursement. Call the number on the back of your card when you need an emergency cash advance or a replacement card delivered to you