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Rei Mastercard

Rei Mastercard

Rei Mastercard Reviews

 

With the new Rei Co-Op Mastercard, now you can help the outdoors easily and for free! Do you want to protect nature? Then you are looking for the rightest credit card you can ever find! Here the details you may wonder.

Save the World with Rei Mastercard Credit Card

If you want to be an environment saver, this credit card is just for you because all around the world people want to save the world and these people use only Rei Co-Cop Mastercard. How? Let’s see how.

Every single year, Rei credit card helps the world with its donation. National Forest Foundation gets a donation from REI every year via this credit card users. So you have a chance to save the world with a credit card! With these donations, you can save the rivers, forests, and nature!

It is very hard to find credit cards that are protecting nature. So if you are caring for nature, you can consider this card.

Get more information on Rei: https://www.rei.com/

Earn Gift Card and Dividend via Rei

If you make a shopping transaction with your Rei Mastercard within 60 days, you will directly earn 100 dollar gift card! All you need to do is making a purchasing transaction as soon as possible and 100 dollars gift card will be yours!

Earn Dividend with Rei Co –Op Mastercard

5% Back

By using your Rei Co –Op Card, you can now grow your dividend! 5% back at REI. Anything about the sale rack to the latest kayak shopping. 5% is a very good deal for a card. If you are interested in shopping in the related of course. You should consider applying to Rei MasterCard if you are spending on these fields.

1% Back

Lattes, entertainment spending, and your monthly regular bills will make a great difference on this opportunity!

You can plus REI member dividend.

Generally, it is valid on %10 eligible shopping transactions.

Dividend

After a year later, you can see how much you have got with your Rei Co-op Mastercard.

All you need to do is now apply to the new Rei Co-op card to save the world and earn unique gifts and dividends. If you want to learn more details about the Rei Credit Card, all you need is to contact the bank. For more information about Rei Mastercard, stay tuned to us.

You can find APR rates, rewards, interest rates, annual fees, and other fees of the card below. If you think that this is not accurate information, please leave a comment below or contact us. Our Credit Card Karma staff is going to respond to you as soon as possible.

Rei Credit Card Rates & Fees

Interest Rate (APR) Rewards ($1) Annual Fee FTF(*) Cash Advance Fee Cash Advance APR Balance Transfer Fee Balance Transfer APR
Regular: 12,99 – 24,99 5% back from purchases at REI. There is additionally 2% back from mobile wallet purchases.

1% back at all other purchases.

No Annual Fee. No Foreign Transaction Fee. $5 or 4% 25.99% $5 or 3% Regular: 12,99 – 24,99

FTF: Foreign Transaction Fee

Editor Scores for Rei Mastercard

Type of Card Editor Score Overall Score Total Cards
General 202 200 100
No Annual 180 166 60
Cash Back 175 123 26

Similar Credit Cards

You can find user reviews below. If you are already owning this card and want to review it, you can do it by leaving a comment. Please, don’t forget to give numbers to each feature of the card and be realistic about it. We don’t accept reviews that rated by 0 for each feature. If you like or dislike Rei Mastercard, please let other consumers know about it. This will help people to decide about applying for the card or not.

Originally posted 2019-09-06 18:03:47.

Regions Bank Secured Credit Card

Regions Bank Secured Credit Card

We have provided every credit cards of Regions Bank in Credit Cards Center. However we are getting questions from some of our visitors for Regions Bank Secured Credit Card. Since it doesn’t  include “secured” in the name of the card, it is hard to find. The card you are looking for is Regions Explore Visa. However you can find all features of the card below on this page. This card is good for build credit and also rebuild credit.

Fees & Rates of Regions Bank Secured Credit Card

Interest Rate (APR) Rewards ($1) Annual Fee FTF(*) Late Payment Fee Cash Advance Fee Cash Advance APR Balance Transfer Fee Balance Transfer APR
Regular: 24.74% None $29 None $38 $10 or 4% 26.99% $10 – 4% Regular: 24.74%

FTF: Foreign Transaction Fee

Apply

Features of Regions Secured Credit Card

Since the card is secured, you will not get any miles, rewards and bonuses from it. However this will help you to build credit fast. I believe you are not also expecting it. Balance transfer fee and cash advance fees are reasonable with 4% rate. Interest rate is a little bit high but it is also expected for all cards for rebuild credit. See more detailed review below.

Review

Regions Bank Secured Credit Card is a good card with a few advantages and disadvantages. We will mention about these facts for consumers here. There are generally our thoughts on interest rates, annual fee, other fees and rewards of the card. If you have any question regarding the card please feel free to ask us via commenting this page below. We are going to answer you in a few hours.

Regions Bank Secured Credit Card Interest Rates

The card has 24.74% Balance Transfer APR, Purchase APR. When we compare it with other secured cards, it is a little bit high. However we can’t say that there are too much differences. This is one of disadvantages of the card.

Cash Advance APR is not bad for a secured credit card. It is very hard to find low cash advance APR in these credit cards for rebuild credit.

Regions Bank Secured Credit Card Annual Fee

Annual fee of the card is one of good advantages for consumers. It will help you to save a little bit money. For secured credit cards, annual fees are generally $35 or above.

No Foreign Transaction Fee

The other upside of Regions Bank Secured Credit Card… You are not going to pay additional fees for foreign transactions. If you don’t know what is foreign transaction fee, let’s give you an example about this.

You want to purchase a product from an online store which is based in Canada. All products prices are determined with Canadian Dollars. When you buy this product you will need to pay extra fee (It is generally 3% of the price) to purchase it. These extra fees can be a serious problem when you visit abroad or when you purchase from abroad regularly.

Regions Bank Secured Credit Card Cash Advance Fee & Balance Transfer Fee

We believe that minimum fee ($10) is a little bit high for the card. If it was $5, it could be reasonable. However the maximum fee (5%) is very good because secured cards generally asks for 5%.

Result

We have reviewed 10 credit builders or credit rebuilders like Regions Bank Secured Credit Card. We believe that it is not that bad at all. However the cad is below the overall rates of secured cards at the moment. We believe it will get much better very soon as we review more secured cards on Credit Cards Center. We can still recommend you to apply this card for rebuild credit.

For more information:

Regions Credit Card Customer Service: 1-800-253-2265

Similar Credit Cards for Rebuild Credit or Build Credit

If you have any questions regarding this credit card, please feel free to ask us!

Originally posted 2019-01-01 02:46:31.

Amazon Rewards Visa Signature Card

Amazon Rewards Visa Signature Card

Review

Amazon Rewards Visa Signature Card is a credit card which you can earn good rewards from purchases on Amazon and Whole Foods Market. The card is also providing many good profits to users. We are going to mention about features of the card, rates and benefits in this review. There are also downsides of the card, you will also find detailed information about those facts here.

Amazon Rewards Visa Signature Card Sign Up Bonus

The only sign-up benefit of this card is $50 worth Amazon gift card. You are going to earn this card just immediately after your card approved by Chase. This is not very high sign-up bonus but if you are spending too much on Amazon.com and Whole Foods Market, this can be a good option for you.

Amazon Rewards Visa Signature Card Cash Back Rates

You are going to earn 3% cash back for items/products/services that you purchased from Amazon.com and Whole Foods Market. This is a good opportunity. You will also get 2% cash back on restaurant, gas and drugstore purchases. All other purchases will help you to gain 1%.

You can redeem these cash back for cash, gift cards and travel on chase. You will able to redeem them while you are purchasing from Amazon too.

No Annual Fee & No Foreign Transaction Fees

You will not need to pay annual fee for Amazon Rewards Visa Signature Card. It will help you save with the card more. The other good side of the card is foreign transaction fees. You will not also pay extras when you purchase items from abroad or another currency.

Benefits and Services

These are some benefits and services of the card:

  • Travel and Emergency Assistance
  • Luxury Hotel Collection Advantages
  • Travel Accident Insurance
  • Zero Fraud Liability
  • Concierge Service
  • Lost Luggage Reimbursement
  • Purchase Protection
  • Baggage Delay Insurance
  • Roadside Dispatch
  • Rental Collision Damage Waiver

You can see more at Amazon or Chase website.

Interest Rates

When we compare card’s interest rate with other chase cards, it is a little bit better. However Cash Advance APR is still very high for Amazon Rewards Visa Signature Card too. Minimum purchase and balance transfer APR are considerable. If you have excellent credit score and if you are purchasing much, you will need to compare this card with others based on your yearly expenditure. This card can be quite expensive for you if you get APR more than 20% rates.

Balance Transfer and Cash Advance Fee

The minimum & maximum cash advance fee, maximum balance transfer fee is too much for the card.

You can see rates & fees of Amazon Rewards Visa Signature Card. There are also editor scores for the card.

Amazon Rewards Visa Signature Card Rates & Fees

Interest Rate (APR) Rewards ($1) Annual Fee FTF(*) Cash Advance Fee Cash Advance APR Balance Transfer Fee Balance Transfer APR
16.24% – 24.24% %3 back on purchases from Amazon.com and Whole Foods Market.

%2 back on purchases from restaurant, gas and drugstore.

%1 back on all other purchases.

$50 Amazon Gift Card after your card approved.

None None $10 or 5% 26.99% $5 or 5% 16.24% – 24.24%

FTF: Foreign Transaction Fee

Editor Scores

Type of Card Editor Score Overall Score Total Cards
General 185 200 100
Shopping 206 206 1
Sign-Up Bonus 162 199 44
No Annual 202 166 60
Rewards 228 189 64
Cash Back 143 123 26
No Foreign Transaction 182 178 40

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Originally posted 2018-12-31 14:22:42.

Starbucks Credit Card

Starbucks Credit Card

Review

If you are visiting Starbucks regularly, this card can be a good option for you. However we should admit that we are not pleased with the rewards rate of Starbucks Credit Card. Especially 1 star point per $4 purchase outside of Starbucks stores doesn’t look like a fair rate at all. However points that you will earn from stores are not bad.  If you get a membership from Starbucks Rewards™ Member and if you also have this card, you gain 3 star points per $1 purchases. You also earn an extra food or drink when you gain 125 star points as a Gold Member.

Starbucks Credit Card Worth It?

Let’s see how things will work with this card…

I am also visiting Starbucks regularly  and I generally drink White Chocolate Mocha at Venti size. It costs me $4.75. (May be this price can change by time or location). So with a White Chocolate Mocha, I earn 14.25 points. To get a free White chocolate mocha with my rewards points at Venti size, I need to collect 475 star points. It means I need to order 34 WCM at venti size which will cost me 161,50 USD.

34 White Chocolate Mocha is almost equal my monthly purchases from Starbucks stores. With maximum purchase APR, I will need to pay $3.35 interest for all purchases from store.

Annual fee of the card is $49, it means it will cost you $4,10 monthly.

So I have a gold membership and I need to order 9 White Chocolate Mocha to gather 125 star points. It means $42,75. So it is more than 10% savings. It depends on what you love to drink though.  If you drink Venti size Freshly Brewed Coffee with your rewards points, so the saving percentage is going to be about 5%. I can use this opportunity 3 times in a month.

So lets calculate expenditures other than I already purchase from stores regularly.(I already order those coffees without the card too.)

Payments

Monthly Interest: $3.35

Monthly card fee: $4.10

Total Spent: $7.45

Rewards and Extras

Rewards: $4.75

Free drink or food that I can get a month: $14,25

Total Rewards and Extras: $19

Total Profit: $14.25

Result: Excellent

Please note that we didn’t add bonuses to our calculation.

This is one of those rare results which consumer can win against the credit company.

However You Should Be Careful About These Facts:

  • Should use this card only Starbucks, otherwise Starbucks Credit Card will cause a serious loss to you.
  • Shouldn’t try gather rewards points out of Starbucks stores.
  • Shouldn’t use cash advance, balance transfers since fees and interest rates very high.
  • Should get membership from Starbucks if you don’t have already.

If you will do one of those options that we provided above, a low APR credit card can be more profitable for you than Starbucks Credit Card.

You can see rates & fees, editor scores of Starbucks Credit Card below.

Starbucks Credit Card Rates & Fees

Interest Rate (APR) Rewards ($1) Annual Fee FTF(*) Cash Advance Fee Cash Advance APR Balance Transfer Fee Balance Transfer APR
17.99% – 24.99% 3x on purchases from Starbucks stores. (with membership)

0.25x star points on all other purchases.

4500 star point bonus when you spend $500 in 3 months from the account opening.

250 star points when you make the first purchase.

 

$49 3% $10 or 5% 26.99% $5 – 5% 17.99% – 24.99%

FTF: Foreign Transaction Fee

Starbucks Credit Card Editor Scores

Type of Card Editor Score Overall Score Total Cards
General 212 200 100
Restaurants 189 220 3

Similar Credit Cards

You can find some user reviews of Starbucks Credit Card below.

Originally posted 2018-12-31 12:52:19.

Credit Card Karma