Citizens Bank Cash Back Plus World Mastercard Review
Citizens Bank Cash Back Plus World Mastercard is providing a %1.8 cashback service for customers. It is unlimited and you will go on to earn with the card until you cancel your card. There is also awesome online customer help awaiting you when you enter the website. Travel services of the card is really awesome. You will get services like travel & baggage insurance, extended warranty protection, zero liability protection with this card.
There is no annual fee and there is also no foreign transaction fee in Citizens Bank Cash Back Plus. 24.49% Cash Advance APR is reasonable.
If you would like to rebuild your credits, Bank of Hope Visa Platinum Secured can be a good option for you. The card is also good for building credit. There are reasonable offers of the card with average APR and cash advance APR, 4% cash advance fee is not also bad at all.
You can take a look at similar cards, user reviews and rates of the card below. If you have any questions regarding this card, please don’t hesitate to ask us.
Rates & Fees
Interest Rate (APR)
Rewards ($1)
Annual Fee
FTF(*)
Late Payment Fee
Cash Advance Fee
Cash Advance APR
Balance Transfer Fee
Balance Transfer APR
Regular: 22.49%
None
$25
%3
$37
$15 or 4%
23.99%
$10 – 4%
Regular: 22.49%
FTF: Foreign Transaction Fee
Editor Scores
Type of Card
Editor Score
Overall Score
Total Cards
General
140
200
100
Credit Builder
106
127
10
For Bad Credits
162
165
10
No Credit History
148
168
10
You can also see optimizer card reviews by users below.
Bank of Hope Visa Platinum credit card is a low interest card which also provides many other good features for you. However if you are thinking getting a rewards card or cash back card, we don’t recommend this card for you. There is not any of those options on Bank of Hope Visa Platinum. However there are 0% APR, No Foreign Transaction Fee, No Annual Fee options in the card. There are also some extras. Low interest rate of the card is also very attractive.
You can see some rates of the card below. You can also click on Apply button above to get more information about the card. If you would like to feedback this review, please feel free contact us. You can also review this credit card in the review section below.
Rates & Fees
Interest Rate (APR)
Rewards ($1)
Annual Fee
FTF(*)
Late Payment Fee
Cash Advance Fee
Cash Advance APR
Balance Transfer Fee
Balance Transfer APR
0% for first 12 months.
Regular: 11.49%, 15.49% or 19.49%
Not Available
None
None
$37
$10 or 4%
23.99%
$10 – 3%
0% for first 12 months.
Regular: 11.49%, 15.49% or 19.49%
FTF: Foreign Transaction Fee
Editor Scores
Type of Card
Editor Score
Overall Score
Total Cards
General
213
200
100
Zero Interest
165
180
43
No Annual
155
166
60
Balance Transfer
235
226
50
Low Interest
179
173
24
No Foreign Transaction
145
178
40
You can read user reviews for the credit card below.
Bank of Hope Rewards Visa Signature is providing many rewards in different categories for you. The bank generally focused on spends on dining, travel and gas. You can gain 3x reward points through gas purchases, you can gain 2x reward points through dining and travel purchases. If you are going out to eat very often and if you love to travel, this card can be an awesome option for you. For other purchases, you are going to get 1x rewards points.
5000 bonus rewards points also available for the first $1000 purchase with the card. You are going to earn about $50 with that option. You can redeem these points with more 25% value for air travel purchases in PointQuest Rewards.
APR rates of the card is very reasonable. There is also no transaction fee and no annual fee for the card. Since it is a visa credit card, you can use many advantages of your card through travelling. 3% balance transfer fee is low when it is compared with similar cards.
Rates & Fees
Interest Rate (APR)
Rewards ($1)
Annual Fee
FTF(*)
Late Payment Fee
Cash Advance Fee
Cash Advance APR
Balance Transfer Fee
Balance Transfer APR
0% for first 12 months.
Regular: 14.49%, 18.49% or 22.49%
5000 rewards points bonus for first $1000 purchase.
Regular:
3 Rewards Points to Gas Purchases
2 Rewards Points to Travel and Dining Purchases
1 Rewards Points to all purchases at other categories
25% more redeem value at air travel purchases from PointQuest Rewards.
None
None
$37
$10 or 4%
23.99%
$10 – 3%
0% for first 12 months.
Regular: 14.49%, 18.49% or 22.49%
FTF: Foreign Transaction Fee
Editor Scores
Type of Card
Editor Score
Overall Score
Total Cards
General
228.5
200
100
Zero Interest
204
180
43
Sign-Up Bonus
207.5
199
44
No Annual
214
166
60
Rewards
239.5
189
64
Balance Transfer
217,5
226
50
No Foreign Transaction
184
178
40
You can read user reviews for the credit card below.
Bank of Hope Cashback Visa Signature is a card which provides you 5% cash back for $1000 purchases in first 3 months. It means you are going to earn about $50 with the first $1000 purchases. Regular cash back value of the card is 1,25% and it is not very bad at all. Other good opportunity of the card is that you don’t have to pay the annual fee. You don’t also have to pay to foreign transaction fee. %14.49, %18.49 or %22.49 will be APR of the card. Your creditworthiness will be decisive for APR but first 12 month you will not pay APR. 23.99% interest rate for cash advance is not also bad at all.
You can see rates and editor scores for Bank of Hope Cashback Visa Signature credit card below. You can also scroll/swipe down to usee user reviews for this card. Please let us know if you also have any questions.
Rates & Fees
Interest Rate (APR)
Rewards ($1)
Annual Fee
FTF(*)
Late Payment Fee
Cash Advance Fee
Cash Advance APR
Balance Transfer Fee
Balance Transfer APR
0% for first 12 months.
Regular: %14.49, %18.49 or %22.49
$50 cash back bonus for first $1000 purchase.
Regular: 1.25% cash back
None
None
$37
$10 or 4%
23.99%
$10 – 3%
0% for first 12 months.Regular: %14.49, %18.49 or %22.49
FTF: Foreign Transaction Fee
Editor Scores
Type of Card
Editor Score
Overall Score
Total Cards
General
223.5
200
100
Zero Interest
194
180
43
Sign-Up Bonus
192.5
199
44
No Annual
184
166
60
Rewards
204.5
189
64
Cash Back
119
123
26
Balance Transfer
217,5
226
50
No Foreign Transaction
179
178
40
You can read user reviews for the credit card below.
Optimizer Credit Card is a credit product of BBVA Compass. This card is for credit rebuild and improve the credit history. It is also good for bad credits and building credit.
Optimizer Credit Card has 20.24% APR for balance transfer and purchases. Cash Advance APR is 29.24%. The annual fee for the card is $40. Cash Advance and Balance Transfer fees are reasonable. It is 4% at the moment. The late payment is $27 maximum and foreign transaction fee is 3%
Rates
Interest Rate (APR)
Rewards ($1)
Annual Fee
FTF(*)
Late Payment Fee
Cash Advance Fee
Cash Advance APR
Balance Transfer Fee
Balance Transfer APR
Regular: 20.24%
None
$40
%3
$37
$10 or 4%
29.24%
$10 – 4%
Regular: 20.24%
FTF: Foreign Transaction Fee
Editor Scores
Type of Card
Editor Score
Overall Score
Total Cards
General
139
200
100
Credit Builder
110
127
10
For Bad Credits
153
165
10
No Credit History
160
168
10
You can also see optimizer card reviews by users below.
BBVA Select Credit Card is one of the other awesome products of BBVA. However, this card is only available for Texas, Alabama, Florida, New Mexico, California, Arizona, and Colorado. If you are living out of those states, you can also check alternative options of BBVA.
You can select your purchase category for rewards and you can start to earn 3x and 2x rewards. If you spend $5000, you are going to earn 1000 rewards points bonus as an additional bonus. There is no limitation at gaining rewards points with BBVA Select Credit Card.
The low-interest option of the card is also very attractive for consumers. Minimum APR is 15.24% and the maximum APR is 19.24%. Besides, you will not need to pay for foreign transaction fees. The card has a $125 annual fee. However, you will not pay it in the first year.
4% Cash Advance and Balance Transfer fees are good. Cash Advance APR rate is also very low: 24.24%.
Rates
Interest Rate (APR)
Rewards ($1)
Annual Fee
FTF(*)
Late Payment Fee
Cash Advance Fee
Cash Advance APR
Balance Transfer Fee
Balance Transfer APR
Regular: 15.24% – 19.24%
Regular: 1 – 2 – 3
You pick a purchase category for 2x and 3x rewards. Rest of purchases are 1x.
Bonus: Earn 1000 rewards points every month for $5000 purchase.
Earn $100 for qualifying purchases which is worth $20000.
First year: 0$
Regular: 125$
None
$37
$10 or 4%
24.24%
$10 – 4%
Regular: 15.24% – 19.24%
FTF: Foreign Transaction Fee
Editor Scores
Type of Card
Editor Score
Overall Score
Total Cards
General
219
200
100
Rewards
243
189
64
Low Interest
170
173
24
No Foreign Transaction
180
178
40
You can also learn more with read user reviews below. You can also add your reviews for this credit product too.
You can find detailed information on BBVA ClearPoints credit card below with our review. You can also leave a review at the bottom of the page and tell your thoughts and experiences about the card.
BBVA ClearPoints Rewards
BBVA Clearpoints is a no-interest credit card which will also give you various rewards. You can pick the purchase category for your x2 and x3 rewards. Besides, you will able to earn x1 rewards for the rest of your purchases. You can learn more about those rewards from the card page of BBVA. When you open a BBVA ClearPoints Credit Card, you automatically start earning rewards with your first purchase!
There are ten categories that you can pick for purchases. These are general categories that you can pick and this option can be quite profitable for you. You need to select a category for each quarter of the year. If you don’t select reward categories, you are going to earn 1x for your purchases. So don’t miss the opportunity.
APR and Bonus
There is no bonus for BBVA Clear Points.
The minimum APR for the card is 13.24%. This is a good rate for those who have an excellent credit score. However, the maximum APR of the card is too high. It is 31.24%. No APR for 13 months is a good opportunity for people. Cash Advance fees are also high with 24.24% – 31.24% rates at the moment.
It seems you need really a good credit history for a better APR. If your Purchase and Transfer APR is higher than 20, this card can be a serious problem for you about 13 months later.
Fees
There is no annual fee of the card and this is making this card valuable. We believe that rewards card with no annual fees is one of the best opportunities for consumers.
If you are purchasing from foreign shops/online stores, there is a downside to this card for you. You will need to make 3% more payment on foreign transactions. If you don’t have purchases from abroad very often, you can ignore this fee.
Cash Advance fee and balance transfer fee for the card is 4% and this is average. However, the minimum payment fee is $10 and this is too much for the card.
Thoughts
This is a short-term good card if you get a high-interest card. However, if you manage to get low APR which is lower than 18%, and if you pick correct categories for rewards this card can be very profitable for you in the long-term.
How do I redeem my BBVA Compass points?
Redeem via the rewards website, which can be accessed via Online Banking or the Mobile Banking App. Call the rewards center at 1-844-285-8383. Redeem rewards in real-time, up to the amount of the transaction, when you set-up Mobile Banking transaction alerts.
BBVA ClearPoints Rates & Fees
Interest Rate (APR)
Rewards ($1)
Annual Fee
FTF(*)
Late Payment Fee
Cash Advance Fee
Cash Advance APR
Balance Transfer Fee
Balance Transfer APR
0% for 13 first months
Regular 13.24 – 31.24%
Regular: 1 – 2 – 3
You pick a purchase category for 2x and 3x rewards. Rest of purchases are 1x.
You can find a detailed review of the card below. We investigated each feature of BBVA Rewards Card and we provide our own thoughts for you. If you have any experiences with the card, please leave a review.
Rewards and Bonus
BBVA Rewards Card is providing good options to get rewards points. The regular rate is 1.5 reward points at every purchase. However, if you ever deposit $1000 to your bank account, you will increase your rewards points to 2 for every purchase. There is no limit on this and you can gain 2% rewards points with depositing $1000 to your BBVA deposit account every month. I believe if you are going to work with BBVA for your financials, this opportunity can be very good for you. However, we recommend you to be careful about the interest rate of the card. We are going to mention this at APR and Fees section below. Earn hassle-free rewards across ALL purchase categories, every time and everywhere.
Unfortunately, there is not any good bonus for the card at this time. If BBVA can do a good sign-up promotion for this card, it will be more attractive for consumers.
BBVA Rewards Card Fees and APR
If your creditworthiness is not very good, the APR amount can be high with this card. If it is good, it is going to be very low. More than 30 percent annual interest rate can be quite problematic for consumers despite good rewards rates. APR is 13.24% to 31.24%. There is not 0% APR promotion of credit card for purchases but it is available for balance transfers for 13 months. However, if you would like to have %0 interest rate for balance transfers. This is available in BBVA Rewards Cards.
There is no annual fee of the card and we always like no annual fee cards. Because no annual fee cards are always making rewards more beneficial for consumers.
If you are purchasing abroad very often, you will need to make 3% extra payments with the card for each of your foreign transactions. The maximum cash advance fee and the balance transfer fee is average. Their rate is 4%. However minimum payment is $10 and this is above the average.
Thoughts
BBVA Rewards Card is not a bad card if you have a good credit score. It depends on your APR much. If you get this card with APR more than 20 percent, it won’t worth it despite 2x rewards. We recommend you to talk to a banker of BBVA before applying to the card and learn possibilities about APR rates first. If there was an introductory period on purchases, this card could be a good opportunity for consumers.
BBVA Rewards Card Rates & Fees
Interest Rate (APR)
Rewards ($1)
Annual Fee
FTF(*)
Cash Advance Fee
Cash Advance APR
Balance Transfer Fee
Balance Transfer APR
13.24 – 31.24%
Regular: 1.5x
If you deposit $1000 to your account regular Rewards is: 2x
Wells Fargo Secured Credit Card is one of the most popular credit cards in United States. This card helps you to rebuild credit and build credit. There are some good advantages and also some disadvantages of the card for consumers. We are going to mention about those for in our reviews.
Wells Fargo Secured Credit Card Interest Rates
The card’s purchase APR is 20.99% and this is not a bad rate for secured credit card. Of course there are better options but this is almost below average and this is good. If you want a card for rebuilding credit quick, this card can be a good option for you with this purchase rate.
Balance transfer interest rate is same with purchase and this rate is not also bad as well. However there can be small promotions for interest rates of the card for making it beneficial for consumers. Discover it Secured has good opportunities at credit build credit cards. There can be some good options similar to Discover cards.
Cash Advance Rate is unfortunately is very high. We recommend you to not to have this service with your card. Cash Advance APR is 25.99% of Wells Fargo Secured Credit Card. This can be a serious problem for you when you want to pay your bills.
Bonus, Rewards & Cash Backs
Secured credit cards are not generally providing bonus, rewards and cash backs to consumers. There are a few exceptions though. However Wells Fargo Secured Credit Card doesn’t also provide any bonus, rewards or cash backs. If you are seeking these options in secured card, you don’t have much options though.
Fees
Annual Fee of the card is $29. This is not very much. Actually it is good for consumers when you compare it with other secured cards in United States.
Foreign transaction fee of the Wells Fargo Secured Credit Card is 3%. We don’t like foreign transaction fees at credit cards. However this feature is very optional for your choice. I mean if you are purchasing from abroad very often, you will need to pay 3% extra for your each payments. So this card won’t be very beneficial for you. If you don’t purchase from abroad or online shops with foreign currency, you can ignore this feature of the card.
Cash advance fee is minimum $10 and maximum 5%. These fees are very high and sometimes they can be much higher than interest rates. We recommend you to no to use this card for cash advances.
Balance transfer is also same with Cash Advance. Just the minimum fee is $5 which is average.
Thoughts
If you want to build a credit history or if you are seeking to rebuild your credit, Wells Fargo Secured Credit Card is going to help you about that. However you will need to think about foreign transaction, cash advance, balance transfer fees before applying the card. The cash advance APR is also very high.
We believe that Wells Fargo should make some improvements for the card. Since Discover it has released secured cards with very good bonus and rewards opportunities, consumers are interested with that card more than Wells Fargo Secured. However purchase APR and Balance Transfer APR are still making this card very attractive for consumers. If you have no business with transfers and cash advances, this card can be a good choice for you. It is because both operations have very high interest rates. Please don’t forget to consider foreign transaction fee of the card, if you purchase from abroad very often.
You can watch the video below which has been published by company to learn more about this product.
You will need to deposit some cash to create your credit limit with this card. Eg: If you deposit $300 , your credit limit will be 300 dollars with secured credit card. $25 dollars annual fee is very reasonable for a secured credit card. $600 worth phone protection is also available and there are also travelling goods.
You can see Wells Fargo Secured Credit Card reviews below. You can also leave a review if you would like to share your experiences and thoughts about the card. All credit card rankings and scores are completely user-based. So please leave an honest review for the card to help other consumers. If you also have any questions related the card.
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