Which is the best credit card?

cards225Everyone wants to know what the best credit card is, but nobody wants to hear the real answer: there is NO best credit card, only the best credit card for you. Consider:

  • If you have a balance on your credit card, the best card for you is the one with the lowest interest rate.
  • If you pay your full balance every month, the best credit card for you is a rewards credit card, BUT…
  • The best rewards card for you depends on… you. Do you want airline miles, cash back or gift cards, points toward merchandise rewards, or some other rewards scheme?

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Review: Capital One Quicksilver

The is a cash back credit card that gives you a 1.5% cash back rebate on all of your card purchases. This is true regardless of what you purchase, and there are no spending caps, meaning you’ll get that same 1.5% cash back rate no matter how much you spend with the card. (Some credit cards offer cash back rates that go down after you’ve spent a certain amount per year or per quarter.)

You can also earn a $100 bonus if you spend at least $500 with the card in the first three months you have it, which is a pretty do-able hurdle for most cardholders.
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Review: J. Crew Credit Card

The , offered in partnership with Comenity Bank, offers a variety of rewards and discounts to frequent J. Crew shoppers. Our overview / review of the card is below:

The J. Crew credit card is a store-only credit card, meaning you can only use it at J.Crew stores or online, not at any other retailers. This is a downside, as it means opening a new credit line that can only be used sparingly. If you have a good credit history, this is no problem. But if your credit history is not so good, getting this card could hurt your credit score, especially in the short term.
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How to Apply for a Dick’s Sporting Goods Credit Card

After recently mentioning my Dick’s Sporting Goods credit card, I saw an influx of visitors searching for how to apply for such a card. So, as a public service, I will tell you that you can only apply online for a Dick’s credit card if you — otherwise you must visit a Dick’s Sporting Goods store in person and fill out your application there. (You can also apply inside Field & Stream stores.)

The Dick’s MasterCard is now officially called the Rewards of Sport MasterCard due to added acceptance at Field & Stream and Golf Galaxy. When I got my card I was buying a treadmill and applying for the card got me a sizable discount. I applied on the spot and they managed to get me approved and get me that discount immediately. I don’t know if you will receive instant approval like I did, but I do believe they will try and will likely make it happen if you have decent credit.
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Review: Stoneberry Credit Card

Stoneberry, a catalog retailer, tries to get you coming and going when it comes to making profits off of your purchases. Our overview / review of is below, including a review of the catalog itself, which is necessary in order to give you the whole picture of what you’re getting into here:

Stoneberry’s target customer seems to be someone who can’t afford to pay for its offerings all at once. So, Stoneberry helpfully offers you credit that will allow you to pay over time. Nothing new there, right?
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Discount Tire Credit Card Payment, Login, and Customer Service Information

discount-tire-credit-cardThe Discount Tire credit card is issued in partnership with Synchrony Bank (formerly GE Capital Retail Bank), and it is Synchrony Bank you will interact with in order to pay your bill online or by mail, or to get customer service information. Below you’ll find all of the information you need to complete any of these tasks:

  • If you’d like to pay your Discount Tire credit card bill online, to make a payment.

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Review: First Citizens Bank Credit Cards

first-citizens-bank-credit-cardFirst Citizens Bank , one of which gives you the potential for one of the lowest interest rates in the country. Our review of all 3 cards is below:

  • The is a no-frills credit card that is all about the interest rate. If your credit is good, you can get a rate as low as 8.74%, which is one of the lowest rates in the country. (See our Low Interest Credit Cards page for more.) However, note that the interest rate on this card can still go as high as 19.74% if your credit history isn’t so good. No annual fee.

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Sam’s Club Credit Card Payment, Login, and Customer Service Information

sams-club-mastercardSam’s Club consumer and business credit cards are issued in partnership with Synchrony Bank (formerly GE Capital Retail Bank), and you will interact with Synchrony Bank in order to pay your bill online or by mail, or to get customer service help. You can access all of those options below:

  • To pay your Sam’s Club consumer credit card, . (If you are a business card customer, .)

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QVC Credit Card Payment, Login, and Customer Service Information

qvc-credit-cardIf you are a holder of the QVC QCard credit card and want to make a payment online or by mail, or need customer service help, you will go through QVC’s issuing partner, Synchrony Bank (formerly known as GE Capital Retail Bank). All of the info you’ll need is below:

  • If you’d like to pay your QVC credit card bill online, . If this login does not work, .

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Phillips 66, Conoco, and 76 Credit Card Payment, Login, and Customer Service Information

phillips-66-conoco-76-credit-cardThe Phillips 66, Conoco and 76 credit cards are issued in partnership with Synchrony Bank (formerly known as GE Capital Retail Bank), and it is Synchrony Bank you will interact with in order to pay your bill online or by mail, or to get customer service assistance. Below you’ll find all of the information you need to accomplish any of these tasks:

  • If you’d like to pay your bill online, and make a payment.

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P.C. Richard & Son Credit Card Payment, Login, and Customer Service Information

pc-richard-credit-cardThe P.C. Richard & Son credit card is offered in partnership with Synchrony Bank (formerly known as GE Capital Retail Bank), and you will interact with Synchrony Bank in order to pay your credit card bill online or by mail, or when you need customer service help. Below you’ll find all of the information you need to complete any of these tasks:

  • If you’d like to pay your P.C. Richard & Son credit card bill online, and make a payment.

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