All posts by Leonard Kreicas

Shop Your Way Credit Card

shop your way credit card
Shop Your Way credit card

Shop Your Way credit card offers members introductory extra points on purchases at gas stations, grocery stores, restaurants, Sears, KMart.

New account holders earn a $20 statement credit when they spend $30 in eligible purchases within the first 30 days of getting a new card.

The bonus point offer applies only on eligible purchases made within 12 months with a new card according to the following schedule:

Shop Your Way Credit Card Bonus Categories

The points are not redeemable as statement credits, but towards purchases for select products in its online catalog.

Additional card features include

  • No annual fee
  • Zero liability on unauthorized purchases
  • Monthly savings and valuable coupons exclusive to card members
  • Accepted everywhere Mastercard is accepted.

Other Mastercard benefits are

  • Purchase Assurance
  • Extended Warranty Coverage
  • Identity Theft Solutions

Details and application is available at Shop Your Way.

AARP Rewards Card from Chase

AARP Rewards Visa Card

The AARP Rewards Visa credit card offers features 3% rebates on gas and dining purchases, and has no annual fee.

As an added incentive new cardholders receive a $100 bonus after spending $500 within the first three months of using the card.

In addition they pay no interest on purchases made during their first 12 billing cycles, if they decide to hold a balance until then 

Though co-branded with the American Association of Retired Persons (AARP), you don’t have to be over 55 or even a member for this credit card.

Upon approval Chase may issue either a Visa Signature Card with a credit line of at least $5,000, or a Visa Platinum Card with minimum credit line of $500. 

In effort to help those in Chase Bank will donate $0.10 for each purchase made at a restaurant to the AARP Foundation towards the support of Drive to End Hunger.

A summary of rates, fees, features and benefits follows below.

Interest Rates

  • Purchases – 0% for 25 days if statement balance is zero
  • Purchases – 17.99% to 24.74% if statement balance is greater than zero
  • Cash Advances – 26.74%
  • Balance Transfers – 17.99% to 24.74% (if available)

Fees

  • Annual Fee: $0.00
  • Balance transfer: 3% ($5 min)
  • Cash advance: 5% ($5 min) or 5% at ATM
  • Foreign transaction: 3.0%
  • Late payment: up to $15 or $35
  • Returned payment: up to $35

Earn Rewards

  • 1 Member Reward point per dollar on eligible purchases
  • 3 Member Reward points per dollar on eligible gas stations or restaurants

Redeem Member Reward Points

  • Minimum to redeem: 2,000 points
  • As a statement credit or direct deposit checking or savings account
  • Gift cards such Walmart, Amazon, and more
  • Travel, including flight, hotels, cruises, etc.

Purchase Services

  • Theft and accidental damage protection, including cell phones
  • Return protection within 90 days of purchase
  • Free extended warranties (up to 2 years)

Travel Benefits

  • Roadside Assistance Hotline
  • Car rental and damage insurance (excludes liability coverage)
  • Global Assist Hotline (doesn’t pay for third-party costs)
  • Travel accident insurance on common carriers

Security Features

  • Fraud Protection
  • Advanced secure chip technology
  • Text alerts

Other Card Benefits

  • Mobile banking
  • Text and/or email alerts on purchases, balances, reminders, etc.
  • Monthly summaries

AAA Member Rewards review, benefits and features

AAA Member Rewards Visa Card

The AAA Member Rewards Visa Signature credit card offers cardholders competitive benefits as the go-to choice for most purchases.

Though co-branded with American Automobile Association (AAA), you don’t have to be a member of AAA to get a card.

The rewards of 3% on travel and AAA purchases, 2% at grocery stores, gas stations, and drugstores, and 1% for all other eligible net purchases make the card a sensible choice for people who prefer to keep their lives as simple as possible.

The introductory offer of a $75 statement credit after you make at least $500 in purchases within the first 90 days of account opening is modest, though the dollar amount to qualify is fairly easy to reach.

A more potentially rewarding feature is the offer of 0% APR for 12 months on balance transfers.

People holding large balances on their current cards at the current average rate of 17.23% APR can save a significant amount of money, even with the 3% balance transfer fee.

  • $1,000 at 14.23% means keeping $142.30 in your pocket.
  • $5,000 at 14.23% means keeping $711.50 in your pocket.
  • $10,000 at 14.23% means keeping $1,423.00 in your pocket.

Once the introductory period expires though, because the APR can jump up to as high as 21.99%, i.e. the monthly payment of interest alone, on a $5,000 transfer, can go from $12.50 to $91.63 per month.

Also note during the introductory period, all transactions and balances, including purchases, will be charged interest.

While saving money helps, paying off the balance in full before the introductory period ends is essential to keep the money in your pocket where it belongs.

A summary of rates, fees, features and benefits follows below.

Interest Rates

  • Purchases – 0% for 25 days if statement balance is zero
  • Purchases – 14.99% to 24.99% if statement balance is greater than zero
  • Cash Advances – 17.99% to 26.99%
  • Balance Transfers – 14.99% to 24.99% starting on transfer date
  • Late payments – 29.99% (for at least 6 months)

Fees

  • Annual Fee: $0.00
  • Fee on balance transfer: 3% ($5 min)
  • Cash advance: 3% ($5 min) or 5% at ATM
  • Foreign transaction: 0.0%
  • Late payment: up to $38
  • Returned payment: up to $27

Earn Rewards

  • 1 Member Reward point per dollar on eligible purchases
  • 2 Member Reward points per dollar on eligible travel purchase at grocery stores, gas stations or drugstores/pharmacies
  • 3 Member Reward points on travel or AAA items

Redeem Member Reward Points

  • Minimum to redeem: 2,500 points for air, 3,500 points for gift cards, 5,000 points for cash
  • Merchandise such as electronics, fashion, home goods
  • Gift cards
  • Travel, including airfare, hotels, luggage

Purchase Services

  • Theft and accidental damage protection, including cell phones
  • Return protection within 90 days of purchase
  • Free extended warranties (up to 2 years)

Travel Benefits

  • Roadside Assistance Hotline
  • Car rental and damage insurance (excludes liability coverage)
  • Global Assist Hotline (doesn’t pay for third-party costs)
  • Travel accident insurance on common carriers

Security Features

  • Fraud Protection
  • Advanced secure chip technology
  • Text alerts

Other Card Benefits

  • Mobile banking
  • Text and/or email alerts on purchases, balances, reminders, etc.
  • Free FICO credit score
  • Apple Pay
  • Entertainment Access for cardholder-only events and places
  • Monthly summaries

American Express Blue Card

American Express Blue Card
Blue Card from American Express

The classic American Express Blue Card provides cardholders a worry-free Amex credit card for everyday use.

Its basic package includes an effective 1% rebate on eligible purchases, some special discounts, monthly and yearly statements to track spending habits, and world-class American Express customer service.

Interest Rates

  • Purchases – 0% for 25 days if statement balance is zero
  • Purchases – 16.99%, 19.99%, 21.99% if statement balance is greater than zero
  • Cash Advances – 26.99%
  • Balance Transfers – 14.24% to 25.24% starting on transfer date
  • Late payments – 29.99% (for at least 6 months)

Fees

  • Annual Fee: $0.00
  • Fee on balance transfer: 3% ($5 min)
  • Cash advance: 3% ($5 min)
  • Foreign transaction: 2.7%
  • Late payment: up to $38
  • Returned payment: up to $38

Earn Rewards

  • 1 Membership Reward point per dollar on eligible purchases
  • 2 Membership Reward points per dollar on eligible travel purchase at AmexTravel.com 
  • Minimum to redeem: 2,000 points

Redeem Membership Rewards

  • Cash back on eligible purchases
  • Merchandise such as electronics, fashion, home goods
  • Online shopping at amazon.com, bestbuy.com, walmart.com, grubhub.com, and more 
  • Gift cards
  • Travel, including airfare, hotels, luggage
  • Entertainment
  • Donate to selected charities

Purchase Services

  • Theft and accidental damage protection, including cell phones
  • Return protection within 90 days of purchase
  • Free extended warranties (up to 2 years)

Travel Benefits

  • Roadside Assistance Hotline
  • Car rental and damage insurance (excludes liability coverage)
  • Global Assist Hotline (doesn’t pay for third-party costs)
  • Travel accident insurance on common carriers

Security Features

  • Fraud Protection
  • Advanced secure chip technology
  • Text alerts

Amex Card Benefits

  • Exclusive savings with Amex Offers
  • Amex mobile app
  • ShopRunner program members receive free 2nd-day shipping from participating merchants.
  • Guaranteed savings off MSRP on new vehicles using the TrueCar service, with some dealers allowing cardholders to place the entire purchase on their Amex card, up to their credit limit
  • Entertainment Access for cardholder-only events and places
  • Monthly and annual summaries
  • Free authorized users cards

For all the fine print and application visit the American Express Blue Card site.