If you've got the Barclays-issued. It has no annual fee and earns 2% cash back on purchases: 1% when you make the purchase and an additional 1% as you pay your balance off. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. It was supposed to help me, I could have settled on the principles of this amount and not paid interest and the whole point was to get away from interest and now I'm paying 23.99%. Our partners cannot pay us to guarantee favorable reviews of their products or services. The less-good news is that the redemption process can be somewhat confusing because the value of your points varies depending on what you choose and/or the amount of your purchase. The interest rate is fixed, and there are no prepayment penalty fees and no late fees. # 1536381. It has some flexible payment terms, but its APRs go up to 29.99%, and its loan max is $10,000. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners. Frequently shop at the same place and would like to get more discounts and rewards. However, this does not influence our evaluations. You can select how youd like to receive your rewards: You may also set up automatic redemptions to either a Bank of America or a Merrill account, given that those redemptions are worth at least $25. Quick Read. Commissions do not affect our editors' opinions or evaluations. : For people with bad credit. For example, TJX, Saks Fifth Avenue and Sears all give savings and perks that are worth looking at. Click Content settings in the Privacy section. 3% cash back in the eligible category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases, $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening, 0% introductory APR for 18 billing cycles for purchases and balance transfers, 17.74% - 27.74% variable APR applies thereafter. Her work has been featured by The Associated Press, New York Times, Washington Post and USA Today. That means you could earn 3.75%-5.25% cash back on purchases in your choice category. WalletHub is not a financial advisor, law firm, lawyer referral service, or a substitute for a financial advisor, attorney, or law firm. You might be using an unsupported or outdated browser. Theyre store cards that you can use only for purchases within their affiliated catalog. I called new credit and the rep tried to tell me they get everything settled at once so it stops affecting to my credit. Editorial disclaimer: Opinions expressed here are the authors alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. ." She explores these topics and others in, NerdWallet's monthly credit card tips column. is TPG's Director and Senior Industry Analyst of points & miles and the credit card industry. You can redeem points by phone from 9 a.m. 3. Other benefits include a 0% introductory APR for 15 months from date of account opening on purchases and from date of first transfer for balance transfers completed within 4 months of account opening. With 3% cash back in the eligible category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases, earning rewards with the Bank of America Customized Cash Rewards credit card provides decent earning options. You don't have to worry about your credit score and the first payment is typically due 30 days after the time of purchase. Information on WalletHub Answers is provided as is and should not be considered financial, legal or investment advice. All rights reserved. Interest rates are also clearly disclosed in our loan documentation. Just another high interest rate scam company. The cashier at your favorite retailer should be able to give you more information. But when you look closer, you see that this card is Citi AT&T Points Plus Credit Card Review: Up To $240 In Statement Credits And A $100 Welcome Bonus.

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