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2016 Blue Cash Preferred Review – CardHub Editors


Blue Cash Preferred Review

Rating: 514.64.6 / 5

2016 Credit One Credit Card Review – CardHub Editors

Credit One Credit Card Review

Rating: 5133 / 5

The Verdict: The Credit One Platinum Visa Card is one of the most popular credit cards for people with bad credit, thanks largely to its position as one of the few unsecured cards that will even approve applicants who are working their way back from damaged standing. In addition to a $300 minimum credit line, Credit One’s Platinum Visa offers rewards and regular credit-limit increases, or at least the potential for both. You’ll earn 1% cash back on gas and groceries as long as your account is not delinquent, and though you will be regularly considered for a higher credit limit, you are by no means guaranteed of actually receiving one. It all depends on how responsibly you use the card and how generous Credit One Bank is feeling.

2016 Barclaycard Ring Review – CardHub Editors

Barclaycard Ring Review

Rating: 513.83.8 / 5

The Verdict: The Barclaycard Ring MasterCard doesn’t charge an annual fee and features one of the lowest APRs (8.25%) on the market. That makes it a great option for people with excellent credit who use plastic relatively infrequently but occasionally carry a balance from month to month.

2016 Amex EveryDay Credit Card Review – CardHub Editors

Amex Everyday Credit Card Review

Rating: 5144 / 5

The Verdict: The American Express EveryDay Credit Card wouldn’t be our first choice for an everyday credit card, but it’s nevertheless a great all-around option for people with excellent credit.

2016 Capital One QuicksilverOne Review – CardHub

Capital One QuicksilverOne Review

Rating: 514.74.7 / 5

The Verdict: If you’re a newcomer or have fair credit, you certainly don’t want the Capital One QuicksilverOne Cash Rewards Credit Card to become the one that got away. Much like its more mature sibling, the Capital One Quicksilver Card, which is among the best available “good-credit” credit cards, the version with “One” at the end is in rarefied air for its particular segment of the market.

2016 American Express Gold Card Review – CardHub Editors

American Express Gold Card Review

Rating: 5122 / 5

The Verdict: Although its metallic moniker might fool you, the standard American Express Gold Card is far from a top-of-the-podium choice for your wallet. It’s a charge card – meaning you have to pay your bill in full every month – that requires excellent credit for approval and begins assessing a $160 annual fee in the second year your account is open. In return, you will receive exceedingly average rewards: up to 2 points per $1 spent and the promise of modest hotel discounts.

2016 American Express Platinum Card Review – CardHub

American Express Platinum Card Review

Rating: 5133 / 5

The Verdict:  The American Express Platinum Card actually costs more than its weight in platinum. Standard plastic credit cards such as Amex Platinum tend to weigh about 5 grams each, you see, and platinum was priced a bit under $27 per gram as of Jan. 15, 2016. That equates to roughly $135, or less than one-third of the Amex Platinum Card’s $450 annual fee. While this card is therefore unquestionably expensive, the ultimate question still remains: Is it worth it?

2016 Capital One Platinum Review – CardHub Editors

Capital One Platinum Review

Rating: 5155 / 5

The Verdict: The Capital One Platinum MasterCard is one of the best starter credit cards on the market, particularly for those who lack an active college or university email address. Access to student-branded offers expands your options quite a bit in an otherwise uncompetitive segment of the market, but that could be construed as a moot point when you consider that Capital One Platinum offers the very two things that people with limited credit need most: approvability and no annual fee.

2016 Barclaycard Rewards MasterCard Review – CardHub

Barclaycard Rewards Mastercard Review

Rating: 514.84.8 / 5

The Verdict: The Barclaycard Rewards MasterCard is rewarding in more than just the “points, miles or cash back” sense. Sure, this particular Barclaycard does indeed offer at least one point per dollar spent – two when you’re paying for gas, groceries or utilities – but its real value stems from the lack of an annual fee and the fact that it’s attainable for people with fair credit. That combination makes it one of the best options for low-cost credit improvement available today – particularly for those who don’t plan to carry a balance from month to month.

2015 Citi Simplicity Review – CardHub Editors

Citi Simplicity Review

Rating: 514.94.9 / 5

The Verdict:  You don’t need to be a civil engineer to enjoy Citi Simplicity. Rather, urban planning jokes aside, you need to have excellent credit and either big-ticket spending in your plans or a significant balance already accruing interest at a high rate in order to benefit. That’s because the Citi Simplicity Credit Card is most notable for offering 0% introductory interest rates on new purchases and balance transfers for an astounding 21 months.

2015 Citi Prestige Review – CardHub Editors

Citi Prestige Review

Rating: 513.93.9 / 5

The Verdict:  You can’t spell “Prestige” without the letters in “trip.” And you might be able to take a few of those for free, thanks to the Citi Prestige Credit Card. That is, of course, if you can handle one to the bank to fetch some cash for the card’s steep annual fee. Indeed, this travel rewards card costs a whopping $450 per year – a fact that alone limits its use to wealthy frequent travelers who charge a significant amount to plastic.

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 six 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:

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