Review: Zions Bank Credit Cards

zions-bank-credit-cardZions Bank offers 3 main consumer credit cards, allowing you to choose between lower interest rates or rewards programs. Our review of Zions Bank credit card offerings is below:

  • The is a standard no-frills credit card for those who care more about a low interest rate than rewards. It offers a rate as low as 9.49% and up to 15.49% if your credit isn’t quite as good. (Even the 15.49% rate isn’t bad in today’s market.) There is no annual fee for this card or any of the other Zions Bank cards. This card stacks up favorably to the lowest interest credit cards on the market today.

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Review: State Farm Bank Credit Cards

state-farm-credit-cardWhile thought of mainly as an insurance company, State Farm also offers a number of other banking products through its State Farm Bank, including the we review below:

  • The is a rewards card that gives you points to be used in the State Farm Loyalty Rewards program. You get 3 points per dollar on State Farm insurance premiums paid with the card and 1 point per dollar on all other card purchases. You can use your points toward gift cards, travel rewards, and other State Farm financial products. If you save up your points over the 25,000-point level, you can get redemption bonuses when you redeem your points into certain State Farm deposit accounts. Nevertheless, it’s not a very noteworthy rewards program — we’d suggest looking at other cash back credit cards.

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Review: GameStop Credit Card

gamestop-credit-cardPopular video game retailer GameStop, in partnership with Comenity Capital Bank, you can use to buy games and equipment on credit, but it offers little else and comes with a very high interest rate. Our overview / review of the GameStop credit card is below:

The first thing to understand about the GameStop credit card is that it can only be used at GameStop, nowhere else. This limited usage is a strike against it — opening a line of credit can hurt your credit rating, especially if your credit history is not so great, and to do so for purchases at just one retailer is always questionable.
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Review: Chase Sapphire Credit Cards

Chase offers two travel reward credit cards under the “Sapphire” banner. Below we review each offering and give our opinion on which card would be better for each type of traveler:

Chase Sapphire Preferred

The first “Sapphire” card to be introduced was the . It has a $95 annual fee after the first year you have it, but no fee for the first 12 months. It offers points that are generally worth one penny each, but if you redeem your points for travel via the Chase Ultimate Rewards program, the points are worth 1.25 cents each. (For example, 10,000 points would equal $125 in travel rewards.) You earn 2 points per dollar on travel and dining purchases charged to the card, and 1 point per dollar on all other card purchases.

You can also earn a nice upfront point bonus: If you use the card for at least $4000 in purchases within the first 3 months of having it, you’ll get 50,000 bonus points (worth $625 in travel if redeemed through Chase Ultimate Rewards).

The travel perks with the Sapphire Preferred include 1-to-1 conversion of points into airline miles or hotel points with United, Southwest, Marriott, Hyatt, and others. There are also no foreign transaction fees on purchases outside the United States.
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Review: REI Credit Card

REI offers that its paid members can use to get REI rewards. While anyone can buy from REI, the company offers memberships that entitle members to discounts and offers such as the REI credit card — you must be a member to get the card. ($20 gives you a lifetime membership to REI.)

The first thing to note about the REI credit card is that it is a MasterCard, meaning it is accepted widely, a plus in our book. If you’re going to open a new credit line and potentially ding your credit rating, it’s better to do so for a card that can be used widely like this. Many other retail credit cards like this are good only at the single retailer, so being a MasterCard is a good thing.
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AAFP Credit Card

aafp-credit-cardThe American Academy of Family Physicians (AAFP) offers a number of financial products to its members, including an AAFP personal credit card issued in partnership with Bank of America.

The offers 1% cash back on all purchases, and 3% on gas purchases and 2% on grocery store purchases. Note that this is the exact same offer as the standard BankAmericard Cash Rewards Visa, the only difference being the AAFP logo on the card.
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Review: What is Visa Checkout and why would I use it?

Visa Checkout is a payment tool that makes it quicker to make payments online. The easiest comparison is to say that it is Visa’s version of PayPal.

To get started, you create a Visa Checkout account that has all your relevant information such as name, address, phone number, credit card number, etc. (Note that you can add any credit card to your Visa Checkout account, not just Visa cards.) When you shop at an online merchant that offers Visa Checkout as a payment option, you can choose Visa Checkout instead of going through the process of supplying your name, address, credit card, etc., because that information is already stored in your Visa Checkout account. (You do have to log in to your Visa Checkout account, though, so you’ll have to remember your login!)
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Review: Fidelity 529 Credit Card

fidelity-529-visaThe is the Fidelity credit card that now acts as the 529 rewards card of old. While the 529 name is no longer attached to the card, this card actually expands the ways you can use your rewards, including depositing into a Fidelity 529 plan. For purposes of this article, we are going to focus only on the 529 rewards aspect.

This Visa Signature Card offers you the opportunity to earn rewards that go toward your children’s (or grandchildren’s or nieces’ and nephews’, etc.) 529 education plan. And it’s a generous reward — 2% of all your purchases with the card can go into your Fidelity 529 plan account.
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Review: Chase Credit Cards

Below is a rundown of the current credit cards in the Chase Bank lineup, with brief reviews of each to help you understand what is being offered:

  • – The newest addition to the Chase credit card lineup is also the best Chase card (in our opinion). It’s a simple cash back credit card that gives you 1.5% back on every purchase. No limits, no special spending categories to remember. And you can get a bonus $150 if you use the card for at least $500 in purchases in the first 3 months. Also has a 0% interest rate on purchases for the first 15 months you have it. (It also has a 0% rate on balance transfers for 15 months, but the hefty 5% balance transfer fee is the highest such fee we’ve ever seen.)

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Review: Academy Sports Credit Card

Academy Sports + Outdoor, in partnership with US Bank, you can use to acquire rewards points toward discounts on future Academy Sports purchases. Our overview / review of the Academy Sports credit card is below:

The first thing to note is that the Academy credit card is a Visa card, which means you can at Academy Sports AND anywhere else Visa is accepted. This is a plus in our eyes, because if you’re going to open a new credit line, it is better to open it for a card that has wide usage versus being accepted at only one store chain.
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