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What’s the best credit card for me?

cards225Everyone wants to know what the best credit card is, but nobody wants to hear the real answer: there is NO best credit card, only the best credit card for you. Consider:

  • If you have a balance on your credit card, the best card for you is the one with the lowest interest rate.
  • If you pay your full balance every month, the best credit card for you is a rewards credit card, BUT…
  • The best rewards card for you depends on… you. Do you want airline miles, cash back or gift cards, points toward merchandise rewards, or some other rewards scheme?

See? There is no best credit card. But we are happy to give you our ideas on the top credit card or cards in various categories, in order to help you choose which card is best for you:

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American Eagle Credit Card Payment, Login, and Customer Service Information

American Eagle credit cards are issued by Synchrony Bank (formerly GE Capital Retail Bank), and you will go through Synchrony Bank in order to make payments, reach customer service, or otherwise manage your account. Below is all the info you need to pay your bill or get questions answered:

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Mercury Credit Card Payment, Login, and Customer Service Information

If you are a Mercury Mastercard credit card holder, either through a direct approval from CreditShop/First Bank & Trust, or through the transition of former Barclays Bank cards to the Mercury credit card, below you will find all of the information you need to pay your card bill online, by mail, or by phone, or to get customer service assistance:

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Credit Cards with Global Entry and/or TSA Pre Credit

One of the more common perks on high-end travel credit cards is a credit for your paid application to the Global Entry or TSA Pre Check programs (which let you move through airport security more quickly). The following credit cards will credit the cost of your Global Entry or TSA Pre application to your card, assuming you have used that card to pay for the application in the first place. Your “membership” to Global Entry or TSA Pre lasts for multiple years, so you will see that the credits are only available to the cardholder once every 4 to 5 years.

  • American Express Platinum Card – Receive one statement credit every 4 years after you apply for Global Entry ($100) or every 4.5 years after you apply for TSA Pre✓ ($85).
  • Bank of America Premium Rewards Visa – “Get up to $100 Airport Security Statement Credit towards TSA Pre✓ ® or Global Entry Application fee, every four years.”
  • BB&T Spectrum Travel Rewards Card – Offers an $85 statement credit every 4 years for TSA Pre or Global Entry, which covers the complete cost of TSA Pre ($85) but not Global Entry ($100).
  • Capital One Venture Card – Get a credit of up to $100 when you use this card to pay for your Global Entry or TSA PreCheck application.

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Justice Credit Card Payment, Login, and Customer Service Information

The Justice credit card is issued in partnership with Capital One, and it is Capital One you will deal with in order to make a payment online or by mail, or to get customer service assistance. Below you’ll find all of the information you need to accomplish any of these tasks:

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Talbots Credit Card Payment, Login, and Customer Service Information

The Talbots credit card is issued in partnership with Comenity Bank, and it is Comenity you will deal with when it comes to making a payment online or by mail, or if you need customer service help. All the information you need to complete any of these tasks is below:

  • If you want to make a payment on your Talbots credit card balance online, log in here to access your account and pay.

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KingSize Direct Credit Card Review

Men’s big & tall retailer KingSize Direct, in partnership with Comenity Bank, offers a credit card that allows you to finance your payments over time and get some cardholder-only discounts. Is that enough to make this card worth it? Our overview / review of the KingSize Direct credit card is below:

The first thing to know about the KingSize Direct credit card is that it has very limited acceptance outside KingSize Direct. In fact, the only other stores that accept it are KingSize’s sister stores Brylane Home, SwimsuitsForAll, Jessica London, Roaman’s, Woman Within, and FullBeauty.com, most of which are women’s stores. This is a strike against the KingSize card — do you really want to open a new credit line just for this one retailer?
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The Ultimate Credit Card List

Review: Forever 21 Credit Card

forever-21-credit-cardClothing retailer Forever 21, in partnership with Comenity Capital Bank, offers a credit card that gives you the opportunity to earn rewards toward future Forever 21 purchases every time you use it. But is it worth a place in your wallet? Our overview / review of the Forever 21 credit card is below:

The first thing to understand about the Forever 21 credit card is that there are actually two different credit cards being offered: a Forever 21 Visa or a Forever 21 store-only card. When you apply, you will be considered for the Visa first, but if your credit history is not good enough, you will get the store-only card. In our opinion, it doesn’t really matter which one you get, because we wouldn’t recommend using the card outside of Forever 21 anyway. (You can get better and more flexible rewards outside of Forever 21 with different cash back cards.)

That said, let’s look at the Forever 21 reward program to see if this card is worth the trouble at all. The card offers you points with every purchase, and for every 300 points you earn you get a $5 rewards certificate for a future purchase. (You can collect multiple rewards certificates and use them on the same purchase, so the $5 value of each certificate does not limit you, but instead simply lets you get your rewards faster. Note, however, that reward certificates are only good for 60 days, so you can’t save them up for long.)
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Walmart Credit Card Payment, Login, and Customer Service Information

Walmart credit cards are issued in partnership with Synchrony Bank (formerly GE Capital Retail Bank), and it is Synchrony you will interact with when it comes to paying your bill online or by mail, or to get customer service assistance.

Below is all the information you need to complete any of these tasks:

  • To access your account and make a Walmart credit card payment online, you can log in here.

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Bergdorf Goodman Credit Card Review

PrintBergdorf Goodman, in partnership with Capital One, offers a credit card with a rewards program that may entice frequent Bergdorf shoppers (as well as Neiman Marcus and Horchow shoppers). Our overview / review of the Bergdorf Goodman credit card is below:

The Bergdorf Goodman credit card is only accepted at Bergdorf Goodman and its sister stores Neiman Marcus and Horchow. If you are a frequent shopper at these stores, the card could makes sense, but, if you’re not, you need to ask yourself if opening a new credit line with limited acceptance is a good thing for your financial picture and your credit score.
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