![]() As for the credits, I'm easily able to use the dining credit each month, and I use the airling credit to buy Delta Giftcards effectively cutting the annual fee down to $30. I don't try as hard to find deals as other people, but I commonly get at least 1.5 cpp of value from transferring my points which translates to 6% back on grocery stores and dining. With cash back cards like the Uber visa, you are capped at 4% back, but with airline transfer partners, you can often get more than 1 cent-per-point value which would leader to higher returns. "For me, the appeal of the Amex Gold is the transfer partners that accompany MR points. The purchase must be made in the US and have been made with your American Express Gold card. But there is a maximum $1,000 per calendar year. American Express may refund you the full purchase price. If you try and return a product within 90 days of buying it and the merchant will not take it back. Return protection is also included with this card. These events include concerts, Broadway shows, sporting events and many more. And each year you are able to select one airline and receive $100 in incidental fees.Īt participating hotels if you book with American Express you can receive a $100 hot3el credit and be eligible for a room upgrade.Īs an American Express card holder you will gain exclusive access to pre-sale tickets for events near you. There are no foreign transaction fees when you decide to go abroad. Along with the unique features mentioned above the American express Gold card offers 3X membership reward points on flights that are booked directly through American Express. This credit card has the most expensive annual fee on our list. As a way to prevent anyone from gaining access to your real credit card. ![]() One of the more unique characteristics of this card is that Capital One will provide you with a fake credit card number for purchases online. 24 hour travel assistance and if you rent a vehicle that is eligible you will be covered for the damage from a collision or theft. You will have automatic travel accident insurance. When traveling abroad with the Capital One Secured credit card you will have no foreign transaction fees. You are able to place a lock on your card if you notice it has been stolen, as a way to prevent anyone from charging it. Like most credit cards Capital One also offers $0 fraud liability if your card is lost or stolen. After you have made your first five monthly payments on time you are given the opportunity to have a higher line of credit. Based on your security deposit Capital One will choose a credit limit for you. I never really use the pay over time feature, but I suppose it could come in handy if you ever need to make large purchases that you can't afford to pay off right away I try not to get in the habit of doing that though.Capital One Secured credit card is different than the other credit cards in our list for one major reason. 5% is a lot, and really adds up quick if you shop at Amazon a lot. ![]() I got it 2 years ago, and have already gotten well over $1,000 back from my Amazon purchases. I have the store card, because I don't need an Amazon card that works outside of amazon, and because I'm already overextended with Chase and don't want to get another card from them (and I'm not sure if they'd even give me another card anyways). The store card is issued by Synchrony and does offer 0% pay over time on larger purchases (in lieu of 5% back you can only get one or the other on each purchase, and you decide which option to use during checkout), but it can only be used at Amazon, nowhere else (maybe it works at whole foods too, I can't remember) It does offer some other perks though, and since it's a Visa it can be used anywhere. To be clear, the Amazon Visa is issued by chase, and does not offer 0% pay over time terms usually. Seems like a lot of people here are mixing up the Amazon store card with the Amazon Visa. ![]() No promotion of illegal, fraudulent, or nefarious activities No self-promotional content with prior mod approval. No referrals in posts, comments, or private messages. PIN, Signature).Ĭapital One Upgrade Link - Check PC eligibility for your existing card List of credit card company phone numbersĬredit Card Tuneup or CreditIntro to help you find the right cardĮMV CVM Database - Find a card's Cardholder Verification Method list (e.g. Template for Card Recommendation Requests Suggestions, Ideas, and Feedback - Post your suggestions hereĬreditKarma - Uses TransUnion and EquifaxĬreditSesame - May use Transunion or Experian depending on service Official User Flairs Thread - Learn how to customize your user flair
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