Sallie Mae Credit Card

Introducing the sallie mae credit card

The Sallie Mae credit card is a MasterCard service that is basically a rewards card that even students may be able to apply for. It offers cashback rewards for regular purchases which may include gas stations, grocery stores and even bookstores. There are incentives offered to entice applications for the card which include cashback bonuses which can be redeemed within three months and there is a standard reward rate of 1% on purchases.

Sallie Mae Credit Card fees

The APR on the Sallie Mae credit card is variable, typically between parameters of 14 to 23% on average. This will be dependent upon current credit rating worthiness. It should be noted that if the consumer is likely to buy gas, groceries and books on a regular to frequent basis, these are areas that the consumer can use the card to the greatest benefit. Also, if the consumer is a regular traveller, there are also air miles bonuses to be gained.

Conclusion on the Sallie Mae credit card

In summary, the Sallie Mae credit card by MasterCard is worthy of consideration if the desire is to have a card cashback rewards available, even as your spending habits are not in the extreme. As always, good money management skills are a necessity, as the penalties can range up to 27% if bills are not paid in a timely manner.

Amex Everyday

Amex Everyday Credit Card Information

The Amex Everyday credit card is a relatively new service from American Express. The card comes in two main variants, the AMEX everyday credit card and the AMEX everyday preferred credit card. These cards are firmly in the reward card category. The main benefits of using the cards on a very frequent basis will allow you to accumulate points, which are then redeemed at a later date. So it is clear that the service would be worth consideration if you are a self-confessed shopaholic!

Amex Everyday Fees

The AMEX everyday credit card is available for no annual fee which is in keeping with a lot of recent card releases, a tactic introduced to encourage applications further. The standard card has more basic features, there is a 0% APR which is valid for the first 15 months on purchases and also balance transfers, after this period the APR is variable, subject to credit rating. You will get additional points purchases at supermarkets, so it is worthy of consideration if you are a frequent shopper at the supermarkets supported by the card. By comparison, the AMEX everyday preferred credit card offers bonus points for consumers who spend up to $1000 within a three-month period.

Amex Everyday Credit Card conclusion

In summary, the AMEX everyday credit card offers a low entry point with no annual fee. The preferred card offers bonus points for people who spend a lot of money with the card, the only caveat is that the preferred card does charge an annual fee of $95. So when considering these cards, it will be important to consider your spending levels and habits.


milestone credit card

Introducing the milestone credit card

The milestone credit card is a MasterCard service offered by Genesis bankcard services. It is typically a middle-of-the-road solution for people with a reasonable credit history. It must be said however, the typical APR on this card can be quite high. As with many of the cards, there are advantages and disadvantages compared to other services, and this card is no different.

Fees for the milestone credit card

There is an annual fee for the milestone credit card, which is typically anything between $35 and hundred dollars. This is generally subject to the credit history of the applicant. Whilst this is not the highest in the market, it is certainly pricey. So it is important to shop around before deciding if this card is right for you. One disadvantage of the milestone credit card is that it does not offer many rewards. Due to this, it is important to consider your typical purchasing behaviour pattern. If you are someone who regularly makes a lot of purchases at branded retail stores, then you may be better off applying for one of their cards instead.

Summary of the milestone credit card

One of the main advantages of the milestone credit card, indeed one that probably encourages a lot of applications, is the quick approval process. Decisions are made very quickly when applying for this card. Initial reports on the customer service and general information have been favourable, giving the impression of a quick and streamlined application process. So in summary, if you’re purchasing behaviour is not particularly exclusive to only a few retail brands and is more diverse, then the lack of rewards can be sacrificed in favour of a mid range credit card with good customer service and information available.

first savings credit card

About the first savings credit card

The first savings credit card, which is also known the firstsavingscc card is a product of first savings bank. There are currently four different varieties of card available, which will have different benefits and variable APR rates available. The headquarters and offices for the first savings credit card, are based in South Dakota. The cards are available for people who generally have poor or impaired credit histories. Due to this, quite often the APR rates that are offered can be high. In fact, it is not uncommon for an APR rate of 20% or higher to be offered as a standard rate.

First savings credit card fees

The first savings credit card by firstsavingscc can be expensive to acquire, as there is typically a $75 annual fee to be paid in addition to monthly charges. Although it could be argued that it is important for the services to be available to people with poor or impaired credit histories, it must be stated that money management skills take on an even greater importance for users of this company services.

Conclusion on the first savings credit card

In summary, it may seem that the first savings credit card by firstsavingscc has a lot of disadvantages and high costs to users, however, for people who have limited options when it comes to obtaining finance, it is better to have a choice or choices available, than no choice at all.

Meijer Credit Card

Introducing the Meijer Credit Card

The meijer credit card is typically only available for people living in US states that have meijer stores. It is definitely an option for those consumers who have managed to maintain a balanced credit rating. It does, of course, offer awards to customers who frequent the meijer stores on a regular basis. It is worthy of consideration due to the fact that meijer stores have a wide range and diverse categories of goods on offer. This list includes things such as, groceries, furniture, clothing and many different types of household items. The meijer credit card is provided by MasterCard and as such, provides many of the facilities and services associated with MasterCard products.

Pros and Cons of the Meijer Credit Card

You will be pleased to hear that the meijer credit card by MasterCard is available without having to pay an annual fee. One of the advantages of the meijer credit card which consumers may find most appealing, are the fuel savings on offer. You will be able to save money on each and every gallon of fuel buy, using the card. As always, there are advantages and disadvantages with every credit card on the market and this card is no exception. Users of this card must ensure that they exercise good money management skills as the typical APR can range from 20 to 27%. This is clearly not a service consumers that may experience difficulty in paying their monthly bill.

Rewards and summary of the Meijer Credit Card

In summary it should be stated that the meijer credit card is primarily an awards card with a generous accumulation points accrued on all purchases. Your loyalty is definitely awarded with points for each dollar that you spend using the card and also each dollar spent in meijer stores. The meijer credit card by MasterCard is by no means that rewards card on the market, but is worth considering if you are a frequent visitor to meijer stores.

Hawaiian Airlines Credit Card Information

Introducing the Hawaiian Airlines Credit Card

The Hawaiian airlines credit card is a relatively new service, provided by Barclaycard, which offers a reward program benefit frequent users of the airline. A good incentive is provided upon joining the program, with a 35,000 mile sign up bonus included. Barclaycard is not the only partner for the Hawaiians airlines credit card, as Bank of America also support the card. This is a MasterCard service. The only stipulation in be able to acquire the 35,000 miles would be to make at least $1000 worth of purchases within the first 90 days. So if you are a frequent flyer with Hawaiian airlines, and you plan to travel with them in the near future, this card may be worthy of consideration.

Hawaiian airlines credit card benefits

Other benefits of the Hawaiian airlines credit card include the cruel of 2 miles for every dollar spent on direct purchases from the airline. There are also additional incentives, such as the 50% off companion discount for coach travel. There is also the opportunity to earn up to 10 miles for every dollar spent with participating partners of the programme. There is an $89 annual fee for the card, which may be considered pricey, so it is imperative that applicants for the card know that it is highly likely that they will be using the airlines services in the near future. Another benefit of the service is the ability to share miles between friends and family. Smart chip technology is used in the Hawaiian airlines credit card, like many other similar cards in the market. There are no foreign transaction fees are using the card, which is seen as a welcome benefit. Transaction fees this card are at a similar rate to other services in the market. Overall, there are benefits to be had from using the Hawaiian airlines credit card, particularly if it is your airline of choice.

Alaska Airlines Credit Card Information

Introducing the Alaska Airlines Credit Card

The Alaska airlines Visa Signature credit card is an awards card which allows you accumulate air miles for use in travel. Typically, you will earn one a mile as a reward on all general purchases. If however, you can delete any purchases on Alaska airlines tickets, then the rewards are greater, typically offering three and miles for purchases of airline tickets or vacation packages. There are lots of bonuses to be had with using this card. For example, you can earn up to 5 miles for every dollar spent using mileage plan dining. Unlike other similar cards, there is no cap on the amount of miles that you can accrue using the Alaska Airlines credit card. It must be noted that Miles accrued are not a redeemable against Alaska Airlines, but also against a panel of a dozen or so additional carriers.

Alaska Airlines Credit Card Rates

The typical APR for the Alaska Airlines credit card is around 14 to 15% on purchases, with an annual fee which can range from $35 up to a maximum of $70. The balance transfer fees are typically 3%. Many of the security options that are available to other similar cards are provided for the Alaska Airlines card, such as account alerts, mobile banking, text banking and chip card technology. Overall, the Alaska Airlines credit card is recommended for consumers from the this is their airline of choice, and will enable them to further enhance the benefits of travelling with Alaska Airlines.

Lord and Talor Credit Card Information

Introducing the Lord and Taylor Credit Card

The Lord and Taylor credit card is a relatively new service, which offers rewards to consumers who are loyal and frequent purchasers of their products. Lord Taylor is a fashion retailer catering to men and children, selling fashionable clothing and accessories. Their credit card offers numerous benefits and discounts, some of which are limited, others which are more permanent. Typically, there is a standard 15% discount on all products that are purchased in the store. There are also special birthday savings during your birthday month. The Lord and Taylor credit card is basically a loyalty card which can be recommended to frequent purchasers of their products, in order to enable savings and provide easier ways to pay.

Lord and Talor credit card benefits and allowances

Regular rate of APR on the Lord and Taylor credit card is typically around 25%. It must be noted that balance transfers are not permitted when using this card, so customers who generally use multiple credit cards and store cards will not be able to benefit by this method. It is therefore recommended all loyal customers only. It is easy to acquire the card as there is no annual fee, minimising the barriers to entry on the programme. At this time, the maximum rate fee charged is around $35 with a 23 day grace period. The Lord and Taylor credit card offers many of the online features common to similar store cards including online statements and electronic payments.

American eagle credit card Information

Introducing the American Eagle credit card

The American Eagle credit card is a product produced by American Eagle outfitters, the casual clothing high Street retailer for both men and women. There are three different brands of card available, which can be applied for. These include, platinum card, the platinum awards card and the signature card. Each of these have different characteristics which will appeal to the differing spending habits of consumers.

Different options for the American Eagle Credit card

The platinum version of the american eagle credit card is targeted at people who wish to rebuild their credit rating at the same time as making purchases. This version has the lowest APR of three, currently capped at 9.9%. It has the lowest credit limits of the three, ranging between $500 to a maximum of $25,000. Other benefits include travel accident insurance up to a maximum of $400,000. By comparison, the Platinum rewards card offers more overall awards, but typically has a higher APR of approximately 11.9%. It is clear that this version of the card is targeted at the average shopper purchasing American Eagle products in-store and online. Lastly, the signature version of the American Eagle credit card, targets both the frequent shopper and frequent traveller. The APR is typically 10.9%. The travel accident insurance cover offered covers up to $1 million. It has the highest credit limit of the three ranging from $5000-$30,000. Other benefits include increased member offers and discounts. Additional online security and purchase protection is included with this premium version of the American Eagle credit card.

Insights on Making Payments Using Walmart Credit Card

It has never been easier to make payments using the Walmart credit card. This card is the responsibility GEMB when it comes to issuance to Walmart clients. GEMB stands for General Electric Money Bank and it has a wide coverage when it comes to providing Walmart credit card in the United States of America. The following set of information will clearly guide one on how to make payments on one’s Walmart credit card.

what is required to make Walmart Credit Card payments

For this to be made possible one is required to be equipped with the following; one crucial thing that is required for Walmart credit card process is account number related to the credit card. The second thing that is required entails one’s bank information, but this is optional at this particular case.

Making online payments

Online payments are made each and every minute across the globe, hence this is also a possibility when it comes to the Walmart credit card. The process entails first that the user to visit financing page on Walmart homepage. This action will result in the user being forwarded to a page where one is required to click on link depicting one’s account.
After accessing ones account the next process is to click on “register here” where one will be prompted to enter his/her Walmart credit card number. This number entails 16-digits; this process is followed by the user entering his/her name together with the billing information. A strong password is required to be entered so that the account can be difficult to be hacked.
After making good process one will be able to have access to the account and be able to make secure payments in a touch of a button. The process is simple by clicking on payments link which will guide the user on which information is needed to make online payments.

what about in-store payments

The second part involves making payments that are categorized as in-store; in this particular case; one is required to find out if his/her Walmart credit card is accepted in money center present in various stores that one is interested in. The best way to know this is to ask the store that one is in for this kind of information.
The representatives that are present in the store are very legible to carry out payments for the customers where they will guide the customer in-person. It is a quick and easy process that is undertaken the minute one has selected goods and services that he/she is interested in. Although this payment may not process within the same day those that are interested in making payments and be processed the same day are advised to make use of online payment processing.
The rules and regulations governing the Walmart credit card are simple and clear, hence it is highly recommended that the user goes through the terms and conditions governing issuance and usage. This document is accessed when one first applies for the Walmart credit card.
Also one is required to know that some stores require one to be a member of that particular store before they can accept any form of credit bill to exist between the customer and them.