Wells Fargo is one of the oldest banks offering banking services to individuals and businesses. Started in 1852 by Henry Wells and William G. Fargo as a money delivery service through stagecoaches. It is helping customers go further by providing innovative financial services and helping them get ahead. Wells Fargo provides banking, investment, and mortgage products and services, as well as consumer and commercial finance.

Wells Fargo serves one in three households in the United States. It is placed at No. 30 in the list of Fortune 100 in 2020. It currently manages more than $2 trillion assets.

Wells Fargo Rewards

Customers get an automatic Wells Fargo Rewards account on opening a Wells Fargo Credit Card. Wells Fargo provides rewards in the form of cashback using their rewards credit cards. They  can redeem Wells Fargo Rewards in multiple ways including:

Credit cardmembers can redeem their rewards as a statement credit to a qualifying Wells Fargo credit card. They can also get the rewards deposited directly to the checking account or mortgage. They can also visit a Wells Fargo ATM and redeem in cash $20 increments with their ATM or Debit Card.

Cardmembers can sign on to their Wells Fargo account and use their rewards to make purchases online. They can use their rewards to book airline tickets with no blackout dates. They can also go to the EarnMall online portal by Wells Fargo to redeem the rewards. The “Pay with Rewards” feature allows members to redeem their available Wells Fargo Rewards online. They can redeem them through participating merchants towards qualifying purchase transactions.

Credit Cardmembers can also share their rewards with charities or organizations they value. They can transfer these rewards to gift cards in multiple of $25. They can redeem their Wells Fargo Rewards to support disaster relief. These donations can help the American Red Cross provide shelter, food, and health and mental health services during emergencies.

#1 Card Name: Active Cash Card

Fees: Wells Fargo Active Cash Card is available for $0 in annual fees.

APR: This credit card offers a 0% intro APR for 15 months from account opening. This intro APR is valid on purchases and qualifying balance transfers. After that, the variable APR will be 19.49%, 24.49%, or 29.49%. To qualify for this introductory rate, balance transfers should be made within 120 days from account opening.

Rewards: Cardmembers earn a $200 cash rewards bonus when they spend $1,000 in purchases in the first 3 months. They also earn an unlimited 2% cash reward on all purchases on this credit card. This rate of 2% is flat for all purchases on this credit card.

Pros of this Card: The best part of this credit card is its flat and easy reward structure. Cardmembers earn 2% flat cash back on all purchases, without worrying about categories to track. There are no categories to activate to earn rewards. 

This credit card also provides cell phone protection. If cardmembers use this credit card to pay their cell phone bills, they get free insurance of $600. They can use this insurance against damage or theft to the device. There is a $25 deductible on the insurance. 

Wells Fargo also provides free access to the FICO score to all their online customers. Members can track, maintain, or monitor their FICO score. They also provide monthly personalized credit insights to the members. Cardmembers also get full access to their credit report from Experian. This report provides full access to the credit history and insights in the credit history of the member.

#2 Card Name: Wells Fargo Autograph Card

Fees: Wells Fargo Autograph Card is available for $0 in annual fees. 

APR: This credit card offers a 0% intro APR for 12 months from account opening. This intro APR is valid on purchases and qualifying balance transfers. After that, the variable APR will be 19.49%, 24.49%, or 29.49%. To qualify for this introductory rate, balance transfers should be made within 120 days from account opening.

Rewards: Cardmembers earn 20,000 points when they spend $1,000 in purchases in the first 3 months. These points can be redeemed for $200 in value in cash. 

Pros of this Card: Cardmembers earn 3x points on travel categories including airline bookings, hotels, car rental bookings, and cruises. They also get 3x points on dining out in restaurants, takeout, or food delivery. Other categories which provide 3x points include gas, transit like trains, rideshares, parking, tolls, popular streaming services, and phone plans. Furthermore, they also earn 1x points on the rest of their purchases.

Cardmembers get access to the Visa Signature concierge. They also get access to the Visa Signature Hotel collection. They can use their card to make reservations for the best deals in the lap of luxury. 

This credit card also provides cell phone protection and access to the My Wells Fargo deals program. 

Cardmembers can redeem their rewards for a large number and variety of rewards. They can redeem rewards on flights, car rentals, and hotel stays for the next vacation. They can also redeem their rewards for a $25 gift card. Members can also redeem their points against eligible purchases in the card account. Customers can also Pay with Rewards through PayPal.

#3 Card Name: Bilt Mastercard Credit Card

Fees: This credit card charges $0 in Annual fees and foreign currency conversion fees

APR: 20.24% – 28.24% of variable APR

Rewards: BILT MasterCard lets the cardmembers earn points on paying rent. This card provides a 1% reward for paying the rent. This credit card does not charge any transaction fees. There is a limit to the total 50,000 points which members can earn from rent.

Pros of this Card: Bilt Mastercard offers 2x points on travel purchases. Card members earn points on flights, hotels, rental cars, and cruises. In order to qualify, the travel is to be booked directly with airlines, hotels, and car rental agencies. 

The card also offers the members 3x points on dining. On the rest of the purchases, the card offers 1 point. All the expenses on the 1st day of every month offer double the rewards. Members get 6x points on dining, 4x on travel, and 2x on other purchases. Further, rent payments on the 1st do not qualify for this offer. 

Bilt has been ranked as one of the most valuable reward points by Bankrate. It has been ranked above American Express cards and Chase Rewards cards.

Bilt offers up to $5,000 reimbursement for a non-refundable passenger fare. If for any covered reason the trip is interrupted or canceled. Bilt also offers reimbursement for expenses incurred on delayed trips over 6 hours. Covered reasons include Weather, aircraft breakdown, or air traffic control delays. In order to, qualify for this offer the card members need to book the entire trip on the Bilt Mastercard. 

This card also offers Auto Rental Collision Damage waiver for any rental car charged on the card. BILT MasterCard offers better points as a rent or travel card. We have covered it as part of our best travel cards.

#4 Card Name: Wells Fargo Reflect Card

Fees: This credit card has a $0 annual fee but it charges 3% of foreign transaction fees. They also charge 3% or a minimum of $5 on balance transfers during the introductory period of 120 days. Post the introductory period the fees increase to 5% or a minimum of $5.

APR: This card has an Introductory Balance Transfer APR. It offers 0% introductory APR for 21 months on balance transfers and purchases. There is 18 months of normal intro period and 3 months of extension of 0% APR on-time payments. Thereafter, a regular APR of 17.24% to 29.24% variable APR applies.

Rewards: This credit card qualifies for My Wells Fargo Deals. This is a program offering cashback to customers. Further, it gives access to personalized deals from a variety of merchants. My Wells Fargo Deals target a range of purchase experiences from traditional brick-and-mortar stores. They offer deals from stores like Starbucks and PetSmart to more experiential merchants like Airbnb. 

Pros of this card: Wells Fargo Reflect Card is one of the best 0% APR credit cards. It offers the longest term of 18 months. This term can further increase by 3 months if the customer pays the minimum balance on time. This effectively takes the 0% introductory period to 21 months on paying the minimum monthly balance.

Additionally, this credit card also provides $600 protection against cell phone theft or damage. To qualify, the cell phone bills must be paid using this credit card.

Finally, the Cardmembers also get access to a 24/7 on-demand referral dispatch network. They provide emergency roadside assistance, towing, or locksmith service. 

American Express Centurion Credit Card is one of the top credit card. This credit card is from American Express Bank. This card offers some of the best rewards in the industry. This is an invite only card. It offers personal conceirage, elite membership, lounge access and more. This is amongst the most coveted credit card which takes you to the elite category.

There is a small downside to this card it comes with a hefty annual fee. Further, this is an invite-only credit card. It is unlikely that a regular person will be approved for this credit card.

American Express Centurion Black Card

Card Membership: American Express Centurion Black Card is an invite-only credit card. Nonetheless, existing Amex members can apply online for the Centurion Black card. There is no guarantee that Amex will accept your membership request.

Fees: Annual membership fee of this credit card is $5,000

Spend: On average card members spend from $250,000 – $1,000,0000 per annum on this card.

Rewards: Card members are eligible for 1 Membership rewards points for every $1 they spent. Members can redeem these points for statement credits. They can also redeem them for gift cards, book flights, and shopping at stores. 

Advantages of American Express Centurion Credit Card

Firstly, the biggest attraction of this credit card is its exclusivity. This card is not built for providing big rewards. This credit card help with exclusivity and access to personalised services. 

Card members have access to 24×7 personal concierge services. The concierge service is a dedicated point of access for all the needs of card member. The concierge can help them with various requests. For example, travel, dinner reservations, flowers delivery, and other requests.

This credit card also provides reservations at select exclusive restaurants. Centurion members also get complimentary access to Centurion Lounges at the US Open. Further, they also get access to dedicate Amex areas in baseball games.

Membership benefits with American Express Centurion Card

Centurion elevates the card members’ status in hospitality reward programs. These rewards programs are spread across multiple hospitality companies. For instance, hotel chains, airlines, and car rentals. They cover all the travel needs of a card member. This is one of the best advantage of this credit card.

Here is a list of the elite membership status card members can enjoy. All these are complimentary with American Express Centurion Black Card membership. Card members need to enrol in the programs using their Card.

1. Hilton Honors Elite Diamond Status. Card members receive the elite Hilton Honor status. They can use it to book any of the 14 Hilton brands. They get access across the world for perks and privileges. Although, the bookings need to be made directly with the Hilton website.
2. Delta SkyMiles Medallion Status. Members earn 100% of bonus miles with Medallion status on Delta. In order to, qualify all the bookings should be on the airline website. Use Centurion Credit Card to earn these rewards. Further, they are also eligible for unlimited upgrades on economy-published rates.
3. MeliáRewards Platinum. Enjoy privileges at participating Meliá Hotels International properties.
4. Hertz Gold Plus Rewards President’s Circle. Enjoy complimentary access to the highest elite-tier status. Furthermore, enjoy exclusive benefits when renting with Hertz. Benefits include discounts, upgrades, and priority service. 
5. Marriott Bonvoy Gold Elite Status. Card members also enjoy an Elite status. They can use it to book and enjoy over 29+ brands in over 6500 properties. Marriott has properties around the world in 127 countries.
6. IHG Rewards Club Platinum Elite. Members enjoy exclusive benefits in over 350 properties in 7 brand hotels.
7. Sixt Advantage Circle Diamond. Enjoy access to Sixt’s exclusive rewards by enrolling in their program. In order to enroll use the Centurion Card. 

Insurance benefits of American Express Centurion Credit Card

This credit card also offers Insurance coverage for some incidents. This insurance covers for any inconvenience to the card members in case of travel cancellation. Further, all these insurance only triggers if the travels are charged to the Centurion Card. The card offers the following benefits to card members.

1. A $250 per person travel inconvenience coverage for personal expenses. This covers members for missed departures or connections. They also cover delayed flights, and canceled, or overbooked flights.
2. Comprehensive medical assistance program for US$100,000 for medical services in the event of an emergency,
3. Travel accident insurance coverage of up to US$ 1 Mn. This insurance covers any case of accidental death or dismemberment while traveling on a plane, train, ship, or bus.
4. Car Rental Loss and Damage Insurance Plan for coverage up to $75,000 for car rentals. All the car rentals need to be paid using the Centurion Credit Card.
5. Baggage reimbursement of up to $1,200 per trip. This covers any bags lost in transit by a scheduled air carrier.

Other benefits of the Amex Centurion Black Card

American Express also offers an extended warranty on purchases. These should be made using the Centurion Credit Card. Card members get an extended warranty equal to the existing warranty. The duration of this warranty is up to a max of 5 years. Further, this card also offer Purchase Protection for up to 90 days. This plan covers any lost, stolen, or damaged goods purchased using the Centurion Card. Though, this Purchase Protection plan is available only in the USA.

Card members can also add their family members for supplementary cards. The first supplementary card is free of charge. But, there is a charge of $1,500 for 2nd card onwards. Alternatively, they can opt for the Platinum credit cards available at $0.

Finally, the Centurion Card also offers Centurion Lounge access to card members. American Express also has a tie-up with multiple partner lounge operators. These include Plaza Premier, Delta Lounges, Airspace lounges, and Escape Lounges. This privilege also permits the card members can bring their immediate partner or spouse to the Lounge. Further, they can bring up to two companions to the lounges.

Some disadvantages of the American Express Centurion Card

One of the most obvious drawbacks of this credit card is its high annual fee of $5,000. Unless, a person spend $400,000 to $800,000 annually, it’s almost impossible to recoup this amount. The exclusivity of this credit card also limit the number of members.

In our opinion, the American Express Platinum Credit Card serves the purpose. They do not need the Centurion Credit Card. The card is more for the “WOW” factor. Unless a member need a personal concierge or travel a lot around the world. They do not need Centurion Credit card

Know more about some of the best business credit cards and best rewards credit cards. 

Medical and healthcare expenses are some of the biggest expenditure items in a US household. As per an estimate from “The National Health Expenditure Account (NHEA)”, healthcare spending in the USA has grown to 2.7% in 2021 to $12, 914 per person. The total healthcare spending in the USA has grown to $4.3 trillion in 2021. As a share of the national Gross Domestic Product (GDP), health spending accounts for 18.3%.

Credit cards offer good rewards on purchases made on grocery stores or drugstores. Major retailers like Costco, Walmart, Whole Foods, or Target also have drugstores or pharmacies in their stores. Customers can fill their prescritons or they can buy over the counter medicines, nutraceuticals, or other healthcare related purchases from these stores as well. Do read fine print of your credit card for the applicable terms on your card. The merchant need to post the correct Merchant Code for the applicable cash rewards. 

Apart from these credit cards, customer can look for best rewards cards or best retailer cards for their shopping needs.

Best credit cards for healthcare expenses from drugstores

If you are someone, who get their prescriptions filled from traditional drugstores like Walgreens,Rite-aid, or CVS. These below credit cards can help you provide best value for your money. Though they do not provide a considerable cash back. But every buck counts.

#1 Card Name: CITI Custom Cash Card 

Fees: This card has no annual fee. But, there is a 3% balance transfer fee is applicable.

APR: This credit card offers 0% Intro APR on purchases and balance transfers. All the purchases and balance transfers should be made within 15 months. After that, the variable APR applicable will be 18.24% – 28.24%,

Rewards: Card members can earn $200 in cashback rewards. In order to, qualify for the card members to have to spend $1,500 in eligible purchases in the first 6 months of card opening. The cash back rewards are in form of Thank You points. This credit card also offers 5% rewards on their selected eligible category of choice for each billing cycle up to a spend of $500. Drugstores or Pharmacy is an eligible categories for this credit card.

Our Rating: 5 / 5

Pros and Cons of this Card: This credit card offers a maximum reward of $25 on pharmacy purchases every month if a user reaches the limit of $500. Once the maximum limit is hit, the rewards will reduce to 1% of the purchases. Card members also earn unlimited 1% rewards for all other purchases. The points are awarded in form of Thank you points. Each $1 spent earns 1 Thank You Point.

Citi Bank defines the drugstore as a broad category.  They include purchases made at pharmacies in grocery stores, general merchandise/discount superstores, and wholesale/warehouse clubs. The merchants should submit purchases made in their pharmacy with the drug store and pharmacy merchant category code. So, if a user fills their prescription in a pharmacy or even in grocery stores, for instance, Costco, Walmart, or Whole Foods. The same will be applicable to get rewards.

#2 Card Name: Bank of America Customized Cash Rewards Credit Card 

Fees: This card has no annual fee. But, there is a 3% balance transfer fee is applicable.

APR: This credit card has an introductory offer of 0% APR. The introductory APR is applicable for the first 18 months of the new card opening. Further, all the balance transfers should be in 60 days. Post the introductory offer applicable variable APR is 18.24% – 28.24%.

Rewards: Card members can earn an online $200 cash rewards bonus. To qualify, they must make at least $1,000 in purchases in the first 90 days of the account opening.

Our Rating: 4 / 5

Pros and Cons of this Card: Bank of America Cash rewards card offers 3% cash back on the category of choice. The available categories are gas, online shopping, dining, travel, drug stores, or home improvement/furnishing. Further, this card offers 2% cash back on groceries and at wholesale clubs. Furthermore, card members earn 1% cash back on the rest of the purchases. Card members can change the category of choice once every month.

This cashback is for a total spend of $2,500 in a quarter. A card member spending $2,500 in a quarter on medicines can get a total cash back of $75. This translates to $25 in cash back every month on a spend of $833.33 every month.

Preferred Rewards members of Bank of America earn 25-75% of bonus rewards every month. Effective rewards for the Preferred Rewards member can be effectively 5.25%.

#3 Card Name: Chase Freedom Flex Credit Card

Fees: $0 in joining and annual fees

Rewards: Card members can earn a $200 bonus after they spend $500 on purchases in the first 3 months from account opening. They can also earn 5% cash back rewards on grocery purchases (excluding Target and Walmart) on a $12,000 first year spend.

APR: 0% introductory APR for 15 months on balance transfer and purchases, 18.74% – 27.49% variable APR is applicable after that

Our Rating: 4 / 5

Pros and Cons of this Card: Chase Freedom Flex Card offers great rewards on everyday purchases like groceries, gas, and online merchants. This card offers 5% in cash back on the bonus category for each quarter. The bonus category changes every quarter and can include grocery stores, drugstores, online subscriptions, travel, dining out, or retailers. It also offers 5% cash back on travel booked through Chase Ultimate Rewards. This card also offers a 3% cash back on drugstore purchases and also on dining out. For the other purchases, there is a cash back of 1%. Cash back never expires on this card. 

So this card offers 3% cashback. If the bonus category in a particular quarter includes drugstore, the total cash back will increase to 8%. The best part about the Chase Freedom Flex card, is no upper limit on the 3% cashback. So effectively you can earn unlimited cashback.

This card also offers Zero Liability protection and purchase protection. Other additional offers and benefits are available from Mastercard. 

#5 Card Name: Chase Freedom Unlimited Credit Card

Fees: $0 in joining and annual fees

Rewards: Chase Freedom Unlimited card offers a $200 bonus. In order to qualify for this offer the card members need to spend $500 in the first 3 months of new account opening. 

APR: 0% introductory APR for 15 months on balance transfer and purchases, 19.24% – 27.99% variable APR is applicable after that

Our Rating: 4 / 5

Pros and Cons of this Card: Card members earn 5% cash back on grocery store purchases (excluding Target and Walmart). This offer is applicable for spends up to $12,000 spent in the first year. This amounts to $600 of cash back for the first year.

This card offers 3% in cash back rewards for purchases make at select categories. For example, drugstore purchases, dining at restaurants, including takeout and eligible delivery services. They also 5% in cash back rewards on travel purchased through Chase Ultimate Rewards. Further, the card members can earn unlimited 1.5% cash back on rest of the purchases.

Card members can redeem their cash back for a statement credit or direct deposit to a bank account. They can also link their Amazon.com to the Chase Rewards and can redeem the cash back for purchases on Amazon.

Best credit cards for healthcare expenses made online

If you are someone who prefer to order your medicines online, do look for offers applicable from the credit cards below:

#1 Card Name: America Express Blue Cash Everyday Card

Fees: This card has $0 in annual charges. 

APR: American Express Blue Cash card offers a 0% intro APR on purchases and balance transfers. This offer is applicable for the first 15 months from the date of account opening. After that, a variable APR, 18.24% to 29.24%.

Rewards: Card members earn 3% cash back on U.S. online retail purchases, up to $6,000 per year on eligible purchases. They also earn $250 back as a statement credit. In order to qualify for this offer, they have to spend $2,000 in purchases on the new Card in the first 6 months.

Our Ratings: 4 / 5

Pros and Cons of this card: Card members earn 3% cash back on everyday categories like U.S. Supermarkets and Gas Stations. Once the limit of $6,000 per year is hit, the cashback reduces to 1%. Card members can redeem the cashback anytime they want with no minimum limit. 

Card members can also 3% cash back in form of rewards points on online purchases. They can redeem the rewards points for the statement credit. The limit for this offer is $6,000 in purchases. So this translates to $15 in cash back rewards per month. They also receive 1% in cash back on the rest of the purchases. 

Credit card members can use the online purchase to make purchases for prescription or non-prescription medicines. 

#2 Card Name: Amazon Prime Rewards Visa Card

Fees: This card has a $0 in annual charges

APR: 18.49 – 26.49% in variable APR.

Rewards: Card members receive a $100 deposit directly to their Amazon.com account on opening a new card account.

Our Ratings: 3 / 5

Pros and Cons of this card: The major prerequisite for this credit card is to have an active Amazon Prime membership. Card members earn 5% of purchases as rewards for shopping on Amazon.com or Whole Foods. They also earn 2% in cashback shopping at gas stations and restaurants. Finally, they receive 1% cashback for all other spendings.

Chase and Amazon also offer another credit card Amazon Rewards Visa Card. The card doesn’t require a Prime membership but it also offers lower rewards.

Card members can redeem the cashback on Amazon.com or they can select to redeem it for gift cards, travel, or dining deals on Chase Rewards.

This card also offers extended warranty protection in the US on the manufacturer’s warranty by an additional year, on eligible warranties of three years or less. They also offer theft protection of up to $500 per claim for 120 days of any eligible item bought using this credit card. This card further, offer baggage delay insurance, zero liability protection, travel accident insurance, and lost luggage reimbursement. The above offers are only available in case the purchase is on this credit card.

Finally, this card offers the card members complimentary Visa Signature Concierge Service 24 hours a day

These credit cards are co-branded credit cards issued by cruise line operators and credit card companies. They offer great rewards to card members for booking their cruises using these credit cards. Though, Travel credit cards offer better rewards in comparison to cruise line credit cards.

These credit cards offer in-house points as rewards. These points can be redeemed for onboard amenities, buying souvenirs, room or cabin upgrades, or booking on-shore excursions. 

Advantages of the Cruise Line credit cards

1. Cruise line credit cards are great if you are looking to join a cruise for your next holiday. These credit cards offer great deals as well as joining bonuses which can be used to get some off from the next booking.
2. These credit cards offer perks on travel and offer from the credit card issuer.

Disadvantages of cruise line credit cards

1. Firstly, cruise line co-branded credit cards do not offer rewards in the same tune as normal rewards cards. These credit cards usually offer rewards worth 1% of the spent on the credit card. On the other hand, Rewards credit cards offer 2 – 3% rewards in form of cashback or a statement credit.
2. Rewards offered by these credit cards are in points. Furthermore, these points can be redeemed within the network of the same cruise company. 
3. Cruise line credit cards have a higher APR. Even the promotional APR is tied to spending money with the cruise company.
4. Finally, these credit cards may not have good credit lines and the overall experience could be frustrating. They may put hard credit inquiries on a member’s credit score.

#1 Card Name: The Carnival World Mastercard

Fees: This credit card costs a $0 annual fee and a $0 foreign transaction fee.

APR: This credit card offers a 0% promotional APR for 6 months on Carnival cruise bookings. After that, a variable APR will apply, 19.24%- 29.24%.

Rewards: Card members receive 20,000 FunPoints after their first purchase or balance transfer. Although, these points are redeemable for a $200 statement credit towards the next cruise.

Our Rating: 4 / 5

Pros & Cons of this card: This credit card offers rewards in the form of Funpoints. Though, these are redeemable on Carnival Cruise.

Card members earn 2X FunPoints for every dollar spent on any purchases with Carnival Cruise Lines. Further, they also earn 2x points with the brands of the World’s Leading Cruise Lines. Furthermore, they receive a 10% statement credit for booking a Carvinavl Shore excursion along with a Carnival cruise on carnival.com. They can also earn 1 Funpoints on every dollar they spend otherwise.

Finally, this card offers the card members to redeem rewards starting from 5,000 Funpoints for a $50 Carnival onboard experience.

#2 Card Name: Norwegian Cruise Line World Mastercard

Fees: This credit card costs a $0 annual fee and a $0 foreign transaction fee.

APR: This card offers a 0% promotional APR for 6 months on the Norweigan cruise bookings. After that, a variable APR of 18.24%- 28.24% will apply.

Rewards: Card members receive 20,000 bonus points which can be redeemed for a $200 onboard credit on a Norwegian cruise. In order to qualify for this offer, they need to make a purchase of $1,000 in the first 90 days of a new card opening.

Our Rating: 4 / 5

Pros & Cons of this card: Card members earn rewards only in the form of WorldPoints. They earn 3 WorldPoints for every $1 spent on Norwegian purchases. Further, earn 2 WorldPoints per $1 spent on eligible air and hotel purchases. Finally, they earn 1 WorldPoints per $1 spent on all other purchases.

WorldPoints can be redeemed starting at 2,500 points. They can redeem points for stateroom upgrades, travel discounts, and exclusive redemption opportunities for last-minute cruises. Alternatively, they can redeem the rewards for onboard credits, car rentals, hotel stays, cash, and gift cards. 

Furthermore, Bank of America Preferred Rewards members also earns 25% – 75% more points on every purchase.

#3 Card Name: Princess Cruises Rewards Visa Signature Card

Fees: This credit card costs a $0 annual fee and a $0 foreign transaction fee.

APR: 0% introductory APR for the 15 months following each balance transfer that posts to the account within 45 days of a new credit card opening. After the Intro period, the applicable variable APR is 19.24%- 29.24%.

Rewards: Card members receive 10,000 bonus points when they open a new credit card. These points can be redeemed for a $100 statement credit for the next cruise purchase. In order to, qualify for this offer, they need to make a purchase of $1,000 in the first 90 days.

Our Rating: 4 / 5

Pros & Cons of this card: Card members earn 2x points on every dollar spent on the princess cruises. For the rest of the purchases, they earn 1 point on every $1 spent. They can redeem points for onboard amenities and credits, along with gift cards and merchandise.

#4 Card Name: Celebrity Cruises Visa Signature® Credit Card

Fees: This credit card costs a $0 annual fee and a $0 foreign transaction fee.

APR: 18.24%- 28.24% variable APR

Rewards: Card members receive 10,000 MyCruise points which can be redeemed for a $100 onboard cruise. To qualify for this offer, they need to make a purchase of $1,000 in the first 90 days.

Our Rating: 3 / 5

Pros & Cons of this card: Credit card members earn 2 MyCruise points for every $1 spent on qualifying purchases with Celebrity Cruises and their sister brand, Royal Caribbean. They also earn 1 MyCruise point for every $1 spent on all other purchases.

Card members can redeem their points toward cruise upgrades & discounts. Further, they can also redeem them for FREE cruises, and onboard credits to use any way they’d like. For example, specialty restaurants, shore excursions, shops, or at the spa.

#5 Card Name: Disney Premier Visa Card

Fees: $49 annual fee

APR: 17.74%‐26.74% variable APR

Rewards: Card members earn a $300 statement credit. In order to, qualify for this offer, they need to spend $1,000 on purchases in the first 3 months from account opening.

Our Rating: 3 / 5

Pros and Cons of this card: Card members can earn 5% in Disney Rewards Dollars on card purchases made directly at DisneyPlus.com, Hulu.com, or ESPNPlus.com. This card offers a 0% promotional APR for 6 months on select Disney vacation packages.

Card members get 2% rewards on gas stations, grocery, restaurants, and most other Disney locations. They can redeem Rewards Dollars toward Disney vacations. 10% discounts on select merchandise and at restaurants at Disneyland and Disney world resorts.

Credit Card members also get offers and deals at Disney cruises. They get 10% Savings on Non-Discounted Disney Cruise Line Digital Photo Packages. Also, they get 10% off on buying Disney merchandise from the cruise. Card members can redeem all sorts of experiences and enhancements on the Disney Cruise Line vacation. For example, souvenirs and excursions to room upgrades and adult-exclusive restaurants.

Disney also offers a Disney Visa Card which is available for a $0 annual fee. But this particular card has lower rewards. 

#6 Card Name: Royal Caribbean Visa signature

Fees: $49 annual fee

APR: 17.74%‐26.74% variable APR

Rewards: Card members earn a 25,000 bonus points statement credit. To qualify for this offer, they need to spend $1,000 on purchases in the first 3 months from account opening.

Our Rating: 3 / 5

Pros and Cons of this card: Credit card members earn 2x points for every $1 spent on qualifying purchases with Royal Caribbean Cruises. They also earn 1x point for every $1 spent on all other purchases. 

Card members earn points towards stateroom upgrades, onboard credit, companion fares, and more. Visa Signature Credit card members have access to the 24/7 Visa Signature Concierge. They also have access to the Visa Signature Luxury Hotel Collection & benefits. They also receive special rates and VIP status at select luxury hotels worldwide.

Crypto credit cards help a user buy cryptocurrency easily. Card members earn the rewards in form of cashback on their purchases. Cashback is usually used to buy cryptocurrency in a trading account.  These credit cards offer rewards in form of cryptocurrency of the choice of the user.

Card members can also buy more cryptocurrency using these credit cards. These credit cards should be used with caution by card members. The world of cryptocurrency is quite volatile, the prices move wildly. For example, in 2021 and 2022 there have been lots of frauds, and windups of exchanges, coins, and cryptocurrencies. 

Advantages of crypto credit cards

1. Firstly, If you know how to play the crypto market, you can buy and sell the same using your credit card. If a user times their trades well, they can use the free leverage from the credit card.
2. These credit cards allow users to redeem their rewards in multiple cryptocurrencies of their choice. Card members can keep these cryptocurrencies in their private wallets or use them to trade on an associated crypto exchange.
3. Finally, rewards Crypto credit cards offer to sell and transact cryptocurrencies without triggering a taxable event. Taxes are applicable on changing the crypto assets to fiat currencies. Using these credit cards can be tax efficient in some cases if you trade in crypto regularly. 

Disadvantages of buying crypto using a credit card

4. Crypto is volatile, so it can rise and fall in value very quickly. Be aware of the fact, and trade carefully. As prices run in a wild swing, taking leverage using a credit card is dangerous. A user may get stuck in a bad trade and owe a credit card debt.
5. These credit cards mainly provide rewards in the form of crypto. Also, the rewards are usually flat. Rewards credit cards or retailer credit cards may offer better offers.

#1 Card Name: Venmo Visa Card 

Fees: This credit card has $0 in annual fees.

APR: 18.99 – 27.99% variable APR

Rewards: This credit card doesn’t provide any upfront rewards to card members.

Our Ratings: 2 / 5

Pros and Cons: Card members earn 3% cash back on all groceries using this credit card. They also earn 2% cash back on payments of bills & utilities using a Venmo Visa Credit card. For the rest of the purchases, this card offers a 1% cashback. 

Venmo credit card currently supports the four most popular cryptocurrencies. For example, Bitcoin, Ethereum, Bitcoin Cash, and Litecoin. 

Card members can purchase crypto from the cashback amount every month. They have to just toggle on the Purchase crypto feature and choose their favorite of four types of crypto. When cashback is transferred to the Venmo account at the end of every month, they will use it to purchase crypto without any crypto transaction fee automatically.

Venmo also provides a very neat feature of a unique QR code on the credit card. This QR card can be used by other Venmo users to pay you using the Venmo app. 

#2 Card Name: The BlockFi Rewards Visa Signature Card

Fees: $0 in annual charges

APR: 15.74% to 25.74%

Rewards: An unlimited 1.5% crypto back on every purchase.

Our Rating: 2 / 5

Pros and Cons: BlockFi credit cards offer rewards, but users can redeem these rewards in crypto assets. The cryptocurrency is transferred to the user’s BlockFi account where it can be held, traded, sold, or moved to a wallet address of their choice. They offer a user to select the rewards to be in Bitcoin, Ethereum, Litecoin, Dogecoin, or any of the 15+ cryptocurrencies available on BlockFi in the US.

A word of caution though, BlockFi declared Chapter 11 bankruptcy recently in November 2022. So be aware before applying for this credit card.

#3 Card Name: Nexo Credit Card

Fees: This credit card is available for a $0 annual charge.

APR: Nexo offers one of the best APRs in the market. They offer an introductory 0% APR and it never exceeds 13.9% APR.

Rewards: Card members earn up to 2% in NEXO or up to 0.5% in BTC.

Our Rating: 3 / 5

Pros and Cons: Nexo offers easy integration with Apple Pay and Google Pay, helping users transfer funds easier. It helps the crypto users to HODL cryptocurrencies and also trades and earns additional cryptocurrencies in rewards. The Nexo Card allows you to spend without selling your crypto, hence no taxable event will occur.

Another great feature of this credit card is no minimum monthly payment. But the card members need to be careful with this feature, as it may spiral out of control. This card also does not levy any fee on monthly payments or activation fees. 

Nexo credit card is offered by Mastercard and is accepted at all places where Mastercard works. Card members can also take advantage of no ATM fee to withdraw funds in case of emergency, Nexo card is integrated with their app and users can control their activities through the app. They can use Apple Pay or Google Pay for paying merchants using Nexo Credit Card. 

#4 Card Name: Gemini Mastercard

Fees: This credit card is available for a $0 annual fee, foreign transaction fees, and no exchange fees for acquiring the crypto rewards.

APR:  17.24% to 29.24%, 

Rewards: Gemini Mastercard is a typical 3/2/1 credit card. For instance, it offers 3% in rewards for groceries purchase, 2% in rewards for dining out, and 1% in rewards on the rest of the purchases. 

Our Rating: 2 / 5

Pros and Cons: This credit card comes in either black, silver, or rose gold stainless-steel card, made from 75% recycled material. 

Gemini Mastercard offers rewards in form of crypto. Credit card members can earn rewards in Bitcoin, Ethereum, or 60+ other cryptos currently available. It’s the only credit card that deposits the crypto rewards immediately in the account, just after the card member makes a purchase. That means the crypto a user earns lands in the Gemini account the instant they swipe the credit card, not a month later.

This credit card offers Mastercard Zero Liability Protection on Unauthorized Transactions. Further, this card also offers Mastercard Theft ID protection. This helps in protecting the ID of the card members in case of theft of the credit card.

#5 Card Name: Upgrade Bitcoin Rewards Visa Signature Credit Card

Fees: This credit card is available for a small fee of $2.99 per month. The credit card is available as a plastic card as well as a virtual credit card.

APR: 14.99% – 29.99% in variable APR

Rewards: Upgrade Bitcoin rewards visa credit card offers unlimited 1.5% of cashback rewards. Card members can earn 1.5% rewards in form of Bitcoin when they pay back the spend.

Pros and Cons:

Upgrade Card balances have a fixed rate and term so the user knows when they can pay off the balance and can save on interest. This credit card is available both as a virtual credit card and also as a physical card.

Card members can activate Upgrade Shopping offers from participating merchants via their account dashboard. Customers can then shop online through Dosh or at stores, using their Upgrade Card. Further, they can get up to 10% cash back as a statement credit on qualifying purchases.

Affinity credit cards are issued jointly by a Bank or credit card company and a charity or non-profit. These credit cards usually support the associated charity or non-profit. The name of the supported charity is usually printed on the credit card.

Affinity credit cards support selected charities by giving a one-time bonus on opening a new account. Alternatively, they may issue a percentage of the spending to the supported charity. The type of non-profit could be an organization working for the environment, an alumni organization, an education institution, or a charity for a cause.

Advantages of affinity credit cards

Affinity or charity credit cards are advantageous for customers who want to make a small contribution to charities of their choice.

1. These charities or non-profit co-branded credit cards, help support a particular charity or NGO. They usually get a one-time bonus once the credit card is issued. These credit cards also get a percentage of the spending made to the non-profit. 
2. The partnering charity gets money from the credit card, but they also get visibility and exposure. If the charity is trying to work for a cause like an environmental issue or for the upliftment of some specific people, the association with a financial institution may help in spreading the word. 
3. The charitable donations to the charity or the non-profits are not taken from the merchant payments. In fact, these payments are made by the financial institutions to the charity directly.
4. Affinity credit cards also offer regular rewards, miles, or points to credit card members. 

Disadvantages of affinity credit cards

1. Affinity credit cards do not offer similar rewards like rewards or travel credit cards. To look for the best rewards credit card look for our post here. 
2. These credit cards make very small donations to charity. Unless a lot of people use these credit cards there won’t be a substantial sum for charity.
3. Card members do not get any tax deductions on the reward points or miles donation.
4. Affinity credit cards though may appear good on file, do not provide much benefit to the charity. Their main advantage is that the people give away a very small percentage passively. A better rewards ratio is available with normal rewards cards. These cards also provide options to give the money to the charity directly. 

#1 Card Name: Susan G. Komen Customized Cash Rewards Visa credit card from Bank of America

Fees: This card is available for a charge of $0 in annual fees.

APR: This card also offers 0% introductory APR for 18 months. After, this introductory period the applicable variable APR is 18.24 to 28.24%.

Charity or NGO: Susan G. Komen is a non-profit that works to enhance Breast Cancer Research

Our Ratings: 3 / 5

Pros and Cons of this card: 

This is a great affinity credit card that offers a lot of rewards to credit card members as well. This card contributes $3 to Susan G. Koman for each new Customized Cash Credit Card which is open for 90 days. They also contribute $3 for each good-standing card renewal. Finally, they contribute 0.08% of the total card spending to charity. Bank of America is committed to contributing a minimum of $1.5 million to Susan G. Koman.

This card has an introductory offer of an online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening. 

Further, this card offers 3% cash back in a selected category of choice. For example, card members can choose anyone category from gas, online shopping, drug stores, travel, home improvement, and furnishings. Card members also earn 2% cash back at grocery stores and wholesale clubs. A quarterly maximum of spend $2500 applies to the 3% and 2% categories. Card members have the option to choose the selected category every month. Finally, they earn 1% cash back on all other purchases on meeting the spending criteria. Existing Bank of America customers can earn higher cash back if they are Preferred Rewards Members.

Card members can redeem their rewards for a statement credit. Furthermore, they can also select to transfer their rewards starting at a minimum of $25 to an associated BoA or a Merril account.

#2 GREY2K USA VISA Credit Card

Fees: This card is available for a charge of $0 in annual fees.

APR: This card also offers 0% introductory APR for 12 months. After, this introductory period the applicable variable APR is 18.24 to 29.24%.

Charity or NGO: GREY2K USA is a Charity that works on protection of the greyhound dogs from dog racing.

Our Ratings: 4 / 5

Pros and Cons of this card: GREY2K USA Worldwide receives $50 for each activated card. The card should be active for a minimum of 90 days. Additionally, a percentage of every retail purchase made using the card will be donated to GREY2K USA.

Card members also earn bonus rewards points on using this credit card in-store. Customers can access an up-to-date and complete list of the participating retailers on the Rewards Website. They can earn Bonus Rewards points for online purchases. To earn these points they must access participating retailers through the Bonus Rewards Web site. Finally, all the purchases should be made using the link provided.

The Rewards points can be redeemed for name-brand merchandise, gift cards, travel, event tickets, and activities. The main drawback of this credit card is the cumbersome rewards through the Rewards website.

#3 Card Name: Aspiration Zero Mastercard

Fees: This card is available for a charge of $60 in annual fees.

APR: 15.9  25.7% of variable APR

Charity or Non-profit: Aspiration Zero is a green credit card that aims to make fast shopping carbon-neutral by planting more trees.

Our Ratings: 3 / 5

Pros and Cons of this card: Customers can spend with their Zero credit card to neutralize their carbon footprint. Though, they can earn up to 1% cashback. Card members can use their rewards to plant more trees or receive a statement credit.

Every time a card member makes a purchase Zero plants a tree on their behalf. Card members can also plant another tree by rounding up their purchases to the next dollar. They can also track their carbon footprint by tracking in an app. As per Zero’s estimate, an average customer in the USA can offset their carbon footprint by using their Zero Credit Card once a day.

Card members earn rewards worth 1% of the total spending in the month once they reach carbon-neutral in a month.

#4 Card Name: The Nature Conservancy Customized Cash Rewards 

Fees: This card is available for a charge of $60 in annual fees.

APR: This credit card offers a 0% Introductory APR. This offer is for the first 18 months for all balance transfers in the first 60 days. After the Introductory offers the applicable variable APR is 18.24  28.24%.

Charity or Non-profit: The Natural Conservancy 

Our Ratings: 2 / 5

Pros and Cons of this card:

This is a great affinity credit card that offers a lot of rewards to credit card members. This card contributes to The Natural Conservancy for each new card which remains open for 90 days. Finally, they contribute 0.05% of the total card spending to the Natural Conservancy. 

This card has an introductory offer of an online $200 cash rewards bonus. They have to make at least $1,000 in purchases in the first 90 days of account opening. 

Further, this card offers 3% cash back in a selected category of choice. For example, card members can choose anyone category from gas, online shopping, drug stores, travel, home improvement, and furnishings. Card members also earn 2% cash back at grocery stores and wholesale clubs. A quarterly maximum of spend $2500 applies to the 3% and 2% categories. Card members have the option to choose the selected category every month. Finally, they earn 1% cash back on all other purchases after meeting the spending criteria. Existing Bank of America customers can earn higher cash back if they are Preferred Rewards Members.

Card members can redeem their rewards for a statement credit. Furthermore, they can also select to transfer their rewards starting at a minimum of $25 to an associated BoA or a Merril account.

#5 Card Name: Harvard Alumni Mastercard 

Fees: This card is available for a charge of $0 in annual fees and $0 for foreign transaction fees. But there is a 2% balance transfer fee on this card.

APR: 0% Introductory APR for the first 12 months for all new balance transfers. After the Introductory offers the applicable variable APR is 13.49  to 18.00%.

Charity or Non-profit: Harvard Alumni Association

Our Ratings: 3 / 5

Pros and Cons of this card: This is an exclusive credit card for Harvard Alumni which offers great rewards to the card members. Alumni earn points for every dollar they spend. They can earn 2x for gas, grocery,  and dining purchases. This credit card also offers 10,000 bonus points when the card member spends $500 in the first 90 days of card membership.

There are also Harvard exclusive benefits, for example, card members earn double points for gifts to Harvard University. Card members can also support Harvard University’s financial aid programs. They also get Automatic, no-cost membership to Harvard University Employees Credit Union (HUECU). Harvard Mastercard also offers free travel insurance, ZERO liability on theft, FICO score updates, and ID Theft Protection.

Card members can earn a 1% cash back for all their spending on this credit card. The points can also be redeemed for travel by airlines, taxis, or other transit modes. Card members get 25% extra on redeeming the points for travel. 

Home furnishing brands and companies also release co-branded credit cards. This credit card offers rewards and cash back on purchases made on these brands. As home improvement projects are expensive, these credit cards offer special financing options to card members.

As these credit cards are released by specific retailers, they offer better rewards. Better rewards are usually available on purchasing home brands of retailers. They do not offer great rewards on travel, dining, or grocery purchases. To know the best credit cards for travel and rewards credit cards do read our other posts.

Advantages of the home furnishing credit cards

1. These credit cards usually offer free shipping on orders. There is no limit on the minimum purchase to qualify for free shipping.
2. Credit card members get extra discounts on shopping home brands using these credit cards. For example, ‘Bed, bath, and beyond’ offers 20% off on shopping through their credit card and selecting one of their family brands.
3. Finally, the co-branded credit cards also offer free financing usually from 6 months to 24 months (i.e. 2 years) for purchases through these credit cards. To qualify for these offers, the members need to meet the spending criteria and also need to pay in full within the defined time.

Disadvantages of using home furnishing credit cards

1. Firstly, these credit cards usually carry a high APR as compared to regular rewards cards. These credit cards are issued in partnership with Visa or Master along with an issuing bank. These issuers are usually not the top banks like Chase, Capital One, or American Express. They offer very competitive rates for the APR. 
2. They usually offer maximum rewards in the co-branded stores they are tied with. For, the rest of the purchases they do not offer the best rewards. Rewards or travel credit cards offer much better rewards. For our detailed guide on rewards credit cards and travel credit cards please refer to the links.
3. Finally, these credit cards may put a hard inquiry on a card member’s credit score. So be careful when you are applying for any of these credit cards. These credit cards may also report any missing payment activity promptly to the credit bureau without giving any chance to the member. 

#1 Card Name: Wayfair Credit Card

Fees: This card is available for a charge of $0 in annual fees.

APR: 31.24% variable APR

Rewards: Card members get $40 on the first qualifying purchase of $250+. 

Our Ratings: 3 / 5

Pros and Cons of this card:

Card members get 5% cash back on purchases at Wayfair. Customers also get ZERO financing if they pay up all dues in 24 months. To qualify, they need to make a purchase of a minimum of $2,999. Do check the Wayfair site for financing options. This is a nitty easy feature but it has its drawbacks. If the card member delays the payment, the interest is charged from day one.

Further, the card members also get 3% in rewards for grocery purchases, 2% in rewards shopping online, and 1% for the rest of the purchases. One of the major drawbacks of the rewards dollar collecting on Wayfair cards is that they can be redeemed only on Wayfair.com. Card members will lose access to their reward dollars if they close their credit card accounts. Ensure to redeem all the reward dollars before closing your credit card account with Wayfair.

Wayfair offers two credit cards, one is the Wayfair credit card and another is Mastercard. The Mastercard works like a normal credit card and works everywhere. On the other hand, the Wayfair credit card can be used only in Wayfair stores or their websites.

#2 Card Name: Bed Bath and Beyond Welcome Credit Card

Fees: This card is available for no charges in annual fees

APR: 18.49 – 29.99% variable APR

Rewards: This card offers 1 year of free membership of Welcome Rewards+. The welcome rewards+ membership auto-renews every year for $29. Further, card members can receive $25 or $75 in welcome bonus if they spent $1,000 or $6,000 in the first six months of credit card issuance.

Our Ratings: 3 / 5

Pros and Cons of this card: This card offers the card members 20% off when they shop for “Bed, bath and beyond” brands. They also receive 100 points for every $1 spent on the family of brands. This reward reduces to only 60 points for every $1 spent if the customer doesn’t have the Welcome Rewards+ membership. This card also offers free standard shipping on all orders and 4 times same-day shipping every year for credit card members. Further, the points accrued in the account expire if no shopping is made in 12 months.

Card members also get free financing for 6 months when they spend $250 – $499.99 at Bed, Bath and beyond using this credit card. Finally, this free financing period increases to 12 months on purchases of more than $500+.

#3 Card Name: IKEA Family and Projekt Credit Card

Fees: IKEA offers two credit cards, one is the Ikea Visa credit card and the other is the Ikea Projekt credit card. Further, these cards are available for $0 charges in annual fees.

APR: 21.99% variable APR

Rewards: Card members get $25 off their first IKEA purchase of $25 or more. Though, they have to open and use the IKEA Visa card on the same day. Furthermore, they also get 5% in rewards on purchases in Ikea stores and assembling services.

Our Ratings: 3 / 5

Pros and Cons of this card: IKEA Projekt credit card offers 6, 12, or 24 months of financing. To qualify for these offers the card members have to do $500, $1,000, or $2,500 of purchases on the Projekt credit card. The IKEA Projekt credit card is best suited for purchases in IKEA only.

Further, card members earn 3% back in rewards on dining, grocery stores, and utility purchases on the IKEA Visa Credit Card. They also earn 1% in cash back rewards for all the other purchases on this card. Finally, card members also get enrolled in the Ikea Family Loyalty Program.

#4 Card Name: Pottery Barn Visa Signature

Fees: Pottery Barn Visa Signature card is available for a $0 annual charge from Capital One Bank.

APR:  Standard variable purchase APR of 27.99-29.99%

Rewards: Card members earn 10% back in rewards, for the first 30 days. But 5% thereafter at Pottery Barn, Williams Sonoma, West Elm & more. Alternatively, they can apply for 0% Promo APR financing on purchases above $750.

Our Ratings: 3 / 5

Pros and Cons of this card: They earn 5% rewards on Pottery Barn, Williams Sonoma, and West Elm & More. They can further earn 4% rewards on groceries and dining (except Fast Food). Finally, they can earn 1% in rewards for the rest of the purchases where Visa is accepted.

Card members can redeem rewards at any of the seven brands across the Pottery Barn portfolio. Pottery Barn Visa credit card members get free standard shipping at Williams Sonoma. They also receive a $25 gift card on their birthday for active credit card members. 

#5 Card Name: Home Depot Consumer Credit Card

Home Depot is one of the top Home furnishing brands, in the USA. They have multiple stores and an online website for shoppers. Home Depot has tied up with CitiBank and offers multiple credit cards. They have a Consumer Credit Card, a Project credit card, a Commercial or a Business Credit Card, and a Revolving Commercial Card. 

Fees: This card has $0 in annual fees. But the card members have to pay a cash advance fee of 4% and a foreign transaction fee of 3%.

APR: 17.99% – 26.99% variable APR

Rewards: Card members earn a one-time reward of up to $100 cash reward on making purchases above $1,000. 

Our Rating: 4 / 5

Pros and Cons of this Card:

The Consumer credit card from Home Depot is a good card if you are looking for renovating your home. This card offers 6 months of free financing (0% APR) on all purchases of more than $299 if paid in full in time. Further, on special promotions, this financing will increase to 2 years. Card members get one year to return any product they bought from Home Depot using their Home Depot Consumer Credit Card.

Home Depot also offers Business Credit Cards for Business users. The same is good for small business owners and contractors. They also offer rewards such as 2% cashback if the balance is fully paid. Alternatively, card members can get 60 days to pay dues. Commercial Credit offers the ability to add employees to the Business accounts. 

#6 Card Name: Crate & Barrel Mastercard

Fees: Crate & Barrel offer two credit cards, one of them is the Crate & Barrel Credit Card and the other is the Crate & Barrel Mastercard. Both these credit cards are available for $0 in the annual fee. 

APR:  Standard variable purchase APR of 30.74%

Rewards: Card members earn reward dollars or receive special financing when they shop at Crate & Barrel or their other brands. They can earn 10% back in Reward Dollars on purchases or receive 6 months of special financing on purchases of $749 or more. This free financing can increase to 24 months on purchases above $2,999.

Our Ratings: 2 / 5

Pros and Cons of this card:

Additionally, with the Crate & Barrel Mastercard card members can earn 2% back in Reward Dollars on grocery store purchases. They can also earn 1% back in Reward Dollars on every other purchase. The Crate & Barrel Mastercard also offers global service, airport concierge, and ID theft protection.