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2015 Best Buy Credit Card Review – CardHub Editors

Best Buy Credit Card Review

Rating: 5144 / 5

The Verdict:  Rewards or low rates? Best Buy’s credit cards are a microcosm for this fundamental question of credit card philosophy. There are two cards, a store credit card and a Visa. And while their shared application means you can’t decide which one to get (that ultimately depends on your creditworthiness), both give you the choice between earning 5% back on Best Buy purchases and potentially avoiding interest for 6 to 18 months with a promotional 0% financing offer.

2015 Walmart Credit Card Review – CardHub Editors

Walmart Credit Card Review

Rating: 512.52.5 / 5

The Verdict:  A Walmart credit card would make a fine addition to your wallet if you already pump your gas at Walmart stations, or if you’re looking for a low-cost means of improving upon fair credit. That’s because Walmart plastic doesn’t provide terms valuable enough to distinguish it from your average general-purpose credit card.

2015 Discover it Card Review – CardHub Editors

Discover it Card Review

Rating: 513.33.3 / 5

The Verdict:  Discover it is a decent everyday credit card for people with excellent credit who want to earn rewards without paying an annual fee, yet might need more than a month to pay off certain expenses. In both respects, it’s particularly beneficial during the first year that you have it.

2015 SPG Credit Card Review – CardHub Editors

SPG Credit Card Review

Rating: 5144 / 5

The Verdict:  The Starwood Preferred Guest Credit Card is the perfect travel companion for fans of hotel brands such as Westin, Sheraton, St. Regis and the seven other members of Starwood’s luxury lodging portfolio.  The most striking feature of this card is the fact that its rewards currency, dubbed “Starpoints,” is worth nearly three times as much as Marriott’s and nearly five times as much as Hilton’s.  So while the SPG Credit Card’s 25,000-point initial bonus might not seem all that impressive, it’s actually worth an average of more than $600 in SPG reservations, according to CardHub’s analysis of the Starwood Preferred Guest loyalty program.

2015 Citi Diamond Preferred Review – CardHub Editors

Citi Diamond Preferred Review

Rating: 5155 / 5

The Verdict:  If you’re planning a big-ticket purchase that will take months to pay off, you’d better make sure Citi Diamond Preferred is in your wallet first.  OK, that might be a bit of hyperbole, but this card is indeed an excellent ally in the fight against finance charges, not charging an annual fee and offering 0% on new purchases for 21 months.  That’s just about the longest 0% term on the market, giving you ample time to get out from under your forthcoming debt before a regular APR that can be as high as 21.99% takes effect.

2015 Starwood Preferred Guest Review – CardHub Editors

SPG Rewards Review

Starwood Preferred Guest (SPG) is the brand name used for the Starwood Hotels & Resorts loyalty rewards program.  Starwood is among the largest hotel chains in the world, featuring 1,200 properties in roughly 100 countries across its 10 individual brands, which include luxury names such as Westin, Sheraton and W Hotels.

In addition to earning so-called Starpoints for each dollar spent on Starwood reservations and on-property purchases, SPG members also have the ability to accrue free nights while flying, riding or staying with Starwood’s travel partners.  Considering these Starpoints are provided on top of any rewards doled out by the partners, which include Delta Airlines and Uber, SPG membership represents an especially significant savings opportunity for strategically minded frequent travelers.

What Is A CPN? Fraud Just Waiting to Happen

CPN Number

A credit privacy or profile number (CPN) is a fraudulent means of diversion marketed as a way to help people with damaged credit hide from their financial past in order to obtain new credit cards and loans.  Like wearing gloves to mask fingerprints during a burglary, a so-called CPN is entered into the Social Security Number field on a financial application as a means of obscuring the connection between an applicant’s name and the actual contents of their credit reports.

These nine-digit fill-ins, which also go by the alias “secondary credit number,” actually tend to be stolen Social Security Numbers or SSNs that have not yet been assigned (which puts the term “cradle robbing” into a whole new context). But despite how overtly illegal this numerical subterfuge may seem, a great deal of confusion still shrouds the topic.

2015 Southwest Credit Card Review – CardHub Editors

Southwest Credit Card Review

Rating: 513.93.9 / 5

The Verdict:   The current iteration of the Southwest Rapid Rewards Premier Credit Card is a decent, if unspectacular, offer for frequent travelers who are comfortable flying only with Southwest Airlines.  Its 25,000-point initial bonus is slightly below average for an airline rewards credit card, and only Rapid Rewards-family purchases will earn you more than the market average of 1 point per $1 spent on an ongoing basis.

2015 Capital One Quicksilver Review – CardHub Editors

Capital One Quicksilver Review

Rating: 514.44.4 / 5

The Verdict:

2015 IHG Credit Card Review – CardHub Editors

IHG Credit Card Review

Rating: 514.14.1 / 5

The Verdict:  The IHG Credit Card is perhaps the best hotel rewards card on the market, offering attractive benefits capable of satiating the appetites of IHG loyalists and people testing the hotel-affinity waters, at a price point neither group can quarrel with.

2015 IHG Rewards Review – CardHub Editors

IHG Rewards Review

The IHG moniker may not be as familiar as Hilton or Marriott, but if you’ve heard of either Holiday Inn or Crowne Plaza, then you’re better acquainted with the chain than you probably thought. The InterContinental Hotels Group – IHG for short – owns and operates roughly 4,900 properties in nearly 100 countries under the banner of at least 12 different sub-brands, including all four members of the Holiday Inn family.

The chain’s loyalty program, IHG Rewards Club, is free to join and provides a host of perks to visitors – ranging from a complimentary newspaper at your door when you wake up in the morning to points for every dollar spent at IHG hotels that you can redeem for free nights.  It’s not all mints on your pillow, though. There are advantages and disadvantages to any hotel rewards program, and members always have to act strategically in order to maximize their earnings.

2015 American Express Serve Review – CardHub Editors

American Express Serve Review

Rating: 5155 / 5

The Verdict:  This is neither your parents’ checking account nor a credit card.  Rather, American Express Serve is simply one of the best prepaid cards on the market right now.

2015 Capital One Secured Credit Card Review – CardHub

Capital One Secured Credit Card Review

Rating: 5155 / 5

The Verdict:  Capital One’s Secured MasterCard is hands down the best credit card for bouncing back from bad credit.  In fact, it’s the most inviting means of credit repair there is.

2015 Marriott Rewards Program – CardHub Editor’s Review

Marriott Rewards Review

While some of its sub-brands may not be top of mind, the Marriott name is familiar to most people. It’s one of the oldest and most expansive in the hotel industry, carrying with it an aura of legitimacy and expectations for a certain level of quality at the chain’s more than 4,000 worldwide locations.

What frequent travelers must determine, however, is the extent to which Marriott’s loyalty rewards program contributes to the chain’s overall popularity. In other words, does Marriott Rewards have 49 million members because it’s particularly lucrative or consumer-friendly relative to other hotel loyalty programs, or simply because Marriott is a dominant industry name to begin with?

2015 Amazon Credit Card Review – CardHub Editors

Amazon Credit Card Review

Rating: 514.54.5 / 5

The Verdict:  The Amazon Credit Card figures to become increasingly popular, not to mention more valuable, as strives to canopy the farthest reaches of digital-age commerce.

2015 Chase Sapphire Preferred Review – CardHub Editors

Chase Sapphire Preferred Review

Rating: 514.54.5 / 5

The Verdict:  Chase Sapphire Preferred is one of the best rewards credit cards on the market, yielding the average person roughly $1,200 over the course of two year’s use. The core of this offer is the combination of a $400 to $500 initial rewards bonus and a first-year fee waiver, which makes the card somewhat akin to an open house that you get paid to attend. If you enjoy your experience and are a frequent traveler who doesn’t mind booking accommodations through Chase, a $95 annual fee starting in year two shouldn’t scare you away from keeping your account open past the 12-month mark.

2015 Chase Freedom Card Review – CardHub Editors

Chase Freedom Review

Rating: 5133 / 5

The Verdict:  The Chase Freedom brand name connotes fun, excitement and independence – primarily the financial variety.  But instead of freeing you from budgetary concerns, this card requires hands-on account maintenance to live up to its potential and, even then, would provide less value than numerous other available credit cards for people with excellent credit.

2015 Capital One Venture Card Review – CardHub Editors

Capital One Venture Card Review

Rating: 5155 / 5

The Verdict:  It’s already in the travel rewards hall of fame and continues to be one of the best offers out there.  The Capital One Venture Card has long served as the standard-bearer for a more straightforward credit card market, with its “No Hassle” double miles, lucrative initial rewards bonus and lack of foreign transaction fees helping to set pro-consumer trends amid a landscape previously characterized by general shadiness.

2015 Citi Double Cash Review – CardHub Editors

Citi Double Cash Review

Rating: 5155 / 5

The Verdict:  As its commercials and name make clear, the Citi Double Cash Credit Card effectively offers 2% cash back across all purchases and doesn’t muck things up with an annual fee (note: Citi is a CardHub partner). While this might not sound that great – especially when juxtaposed with offers for 5, 10, even 15 points or miles per dollar spent in certain categories – the average person would actually accrue more net value with Double Cash than any other general-purpose rewards card on the market, according to CardHub research.

2015 Marriott Credit Card Review – CardHub Editors

Marriott Credit Card Review

Rating: 513.83.8 / 5

The Verdict:  There’s no better credit card than Marriott Rewards Premier for brand-loyal customers who have excellent credit, pay their balances in full every month and spend at least $1,000 through the chain each year.  In fact, the more one spends at Marriott locations, the better the deal gets.  But superior options may exist if you have some flexibility in terms of which hotel chain you patron – especially if you’re just looking for a few free nights up front and aren’t as concerned with ongoing use.

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