The Citi Prestige® Card is an exclusive, extremely generous travel rewards credit card that requires excellent credit and charges a $450 annual fee. With an impressive rewards program, a host of travel-related benefits, and a variety of luxurious (and practical) perks that aren’t available to folks who use lesser cards, Prestige really lives up to its name – if you can meet its stringent credit requirements and afford its hefty annual fee.
The Citi ThankYou® Preferred Card for College Students is a student credit card with no annual fee, a nice sign-up bonus (compared with other student credit cards), and a fairly generous rewards program that mirrors the “grown-up” Citi ThankYou Preferred Card. Like ThankYou Preferred, ThankYou Preferred for College Students’ reward currency is the ThankYou point, which can be redeemed for almost anything, including cash, at the Citi ThankYou portal. Points are generally worth $0.005 to $0.01 apiece at redemption, depending on how they’re used.
The Citi ThankYou Preferred Card for College Students competes with a number of other popular student cards, including Discover it for Students, Discover it Chrome for Students, Capital One Journey Student Rewards, and the Upromise MasterCard.
The Citi ThankYou® Preferred Card is a popular credit card with no annual fee and an expansive, though complicated, rewards program that allows you to redeem accumulated points for virtually anything: gift cards, travel, general merchandise, cash, direct purchases made with several major partners (including Amazon), and more. It earns points at a moderate rate, favoring dining and entertainment over other spending categories. Points are most valuable when redeemed for gift cards, and usually somewhat less valuable when redeemed for general merchandise and cash.
The Citi ThankYou® Premier Card is a rewards credit card with a $95 annual fee (waived during the first year) and an expansive loyalty program that lets you redeem for general merchandise, gift cards, cash back, and travel, including airline tickets and hotel stays. Most redemptions occur through Citi’s ThankYou portal, but you can also use your accumulated ThankYou points to make purchases at Amazon.com and with LiveNation.
Trading is a relatively recent phenomenon made possible by the technology of communication networks and the development of the paper stock ticker. Details of stock transactions – stock symbols, the number of shares, and prices – were collected and transmitted on paper strips to machines located in brokerage offices across the country. Specialized employees using their memory, paper and pencil notes, and analytical skills would “read” the tapes and place orders to buy or sell stocks on behalf of their employer firms.
The PlayStation® Card from Capital One® is a branded rewards credit card with no annual fee and a complicated loyalty program (Sony Rewards) that favors PlayStation and Sony purchases, as well as certain other spending categories. Note that before you can start using this card, you need to sign up separately for Sony Rewards – a fairly quick and easy process.
Once accumulated, Sony Rewards points can be redeemed for a wide variety of electronics, entertainment, special experiences, gift cards, online store codes (including PlayStation store codes, which are very valuable to this card’s target audience), and more. Sony Rewards points’ redemption values vary wildly, depending on how they’re redeemed. They’re worth $0.01 apiece or less when redeemed for gift cards and full-priced merchandise, and up to several times that amount when redeemed for special, limited-time deals and items sold through online Sony auctions.
The Capital One® Secured MasterCard® is a secured credit card with no annual fee and a simple goal: to help consumers build or rebuild a solid credit history. This card welcomes applications from people with bad credit, though a credit check is required and very serious blemishes – such as a bankruptcy filing in the recent past – may still be disqualifying. Also, before your account is activated, you must make a deposit of at least $49 from a U.S.-based bank account.
Journey® Student Rewards from Capital One® is a popular student credit card with no annual fee, a solid cash back program that rewards general spending, and relatively loose credit standards that make it a plausible first credit card choice. It shares the limelight with several other popular student cards. Its chief competitors include Discover it for Students, Discover it Chrome for Students, the Upromise MasterCard, and Citi ThankYou Preferred for College Students. It’s also comparable to certain secured credit cards that appeal to student who wish to build or improve their credit, including Citi Secured MasterCard and Capital One Secured MasterCard.
The Capital One® Platinum Credit Card is a no-frills, no-annual-fee credit card designed for consumers who wish to build their credit. Although it’s not a secured credit card and thus doesn’t require an upfront deposit, it has a fairly high regular APR and comes with a low initial credit limit. However, when used responsibly, the Capital One Platinum is a useful bridge to higher spending limits and more generous rewards credit cards.
The Capital One® QuicksilverOne® Cash Rewards Credit Card is a cash back credit card that charges a $39 annual fee and earns a flat, unlimited 1.5% cash back on all purchases. Cash back rewards can be redeemed for a variety of cash equivalents, including paper checks and statement credits.
It is worth noting that although Capital One QuicksilverOne comes with an introductory purchase APR period and some nice cardholder perks, it’s among a relative handful of cash back credit cards without a sign-up bonus. On the other hand, this card has unusually lax credit requirements – prospects with average credit are welcome to apply. If you make timely, in-full payments for at least 5 months following approval, you’re rewarded with a higher credit limit.