everyday

Review: Apple Card

⭐⭐, Credit Card Reviews /

The Apple Mastercard was released in 2019 and has become a fairly popular credit card for Apple fans. Issued in partnership with Goldman Sachs, the card has zero fees (no annual, over-the-limit, foreign-transaction, or late fees). Apple claims to have some of the lowest interest rates in the industry. The interest part is mostly irrelevant because all credit card users should always pay their balance in full, on time, every time. However, this card may help people build healthy habits, especially the younger crowd. Experienced credit card aficionados may want to look elsewhere.

FEATURES AT A GLANCE

  • No annual fee
  • No foreign transaction fees
  • 2% cash back when using Apple Pay (iPhone or Apple Watch) except for select stores which earn 3% cash back, including Apple purchases
  • 1% cash back on everything else
  • Metal card (titanium)

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Review: Capital One SavorOne

⭐⭐⭐⭐⭐, Credit Card Reviews /

The Capital One SavorOne Rewards Mastercard is a no-fee card which earns unlimited rewards in popular categories. Although it usually isn’t considered the “best” for any single category, few cards have a decent earn rate in 4+ spend categories. This makes the SavorOne worth considering as a general everyday card, especially for grocery spending. Their new Uber partnership is another strong point to consider.

FEATURES AT A GLANCE

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Review: Capital One Quicksilver

⭐⭐, Credit Card Reviews /

The Capital One Quicksilver Rewards Mastercard is a no-fee card which earns unlimited 1.5% cash back rewards on all purchases. It’s simple and easy to use, but is now outclassed by many other credit cards for earning rewards. Banks and fintech startups have created aggressive offerings which make the Quicksilver difficult to justify in someone’s wallet. Dozens of cards earn 2% or more cash back on everything.

Note that 4 different versions of the Quicksilver card exist. In this review, we’re going to cover the “best” one for earning rewards..

FEATURES AT A GLANCE

  • No annual fee
  • No foreign transaction fees
  • 5% cash back on hotels and rental cars booked through Capital One Travel
  • 1.5% cash back on everything else

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Review: Capital One Venture X Visa Infinite

⭐⭐⭐⭐, Credit Card Reviews /

The Capital One Venture X is a premium card focused on travel and everyday spending. It has an annual fee and it can be difficult to optimize rewards, so it’s not for everyone. Still, Venture X does have plenty of perks, aiming to compete with cards like the Chase Reserve Sapphire. It’s worth a look for anyone who travels at least once or twice a year. And as a general-spending card, it’s much better than the lower-tier Venture and VentureOne cards from Capital One. Venture X is a newer Visa Infinite card and was released in early November 2021.

FEATURES AT A GLANCE

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Review: Capital One Venture

⭐⭐, Credit Card Reviews /

The Capital One Venture is a travel-focused card for everyday spending. The card has an annual fee and it can be difficult to optimize rewards, so it’s not for everyone. The pros and cons take more time to weigh compared with other credit cards. It’s a card which is best for people who aren’t loyal to a particular airline or hotel chain. The added flexibility of transferable miles is generally a good thing. Some people may get plenty of value from the Venture card, but other options are usually better, including the new Capital One Venture X. It’ll require a lot of research and travel know-how to truly maximize the Venture.

FEATURES AT A GLANCE

  • $95 annual fee (sometimes waived the first year)
  • Zero foreign transaction fees
  • 5x points on hotels and rental cars booked through Capital One Travel
  • 2x points on everything else
  • $100 Global Entry credit (once every 4 years)
  • Metal card

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Review: PSECU Founder’s Rewards Card

⭐⭐⭐⭐, Credit Card Reviews /

PSECU Founder’s Rewards (Pennsylvania State Employees Credit Union) is a basic cash back credit card for everyday spending. It can earn 2% without any annual fees or foreign transaction fees, which is slightly better than competing cards. The only drawback is that it requires credit union membership, and a free checking account with direct deposit enabled.

FEATURES AT A GLANCE

  • No annual fee
  • No foreign transaction fees
  • 2% cash back on everything (with eligible direct deposits, otherwise 1.5% cash back)

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Review: Kroger World Elite Mastercard

⭐⭐⭐⭐, Credit Card Reviews /

The Kroger World Elite Mastercard is a simple and flexible option for everyday spending. It was updated in late 2021 to add more features and cash back benefits. This was a big upgrade, considering how the old version was outclassed by competitors. The main draw of the Kroger card is now its 5% cash back on all mobile wallet purchases. We’ll explore the pros and cons here, since restrictions apply. Also note that different versions of the card exist with Kroger’s various affiliates (“Kroger Family of Companies Rewards Elite Mastercard”).

FEATURES AT A GLANCE

  • No annual fee
  • No foreign transaction fee
  • 5% cash back on mobile wallet purchases (the first $3,000 spent each year)
  • 3% cash back on dining/gas (the first $6,000 spent each year; feature only available on Kroger Family of Companies variant cards)
  • 2% cash back at Kroger stores
  • 1% cash back on everything else

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Review: USAlliance Financial Visa Signature

⭐⭐⭐⭐, Credit Card Reviews /

The USAlliance Financial Visa Signature card is a general-use no-fee credit card. It isn’t that popular since most people haven’t heard of the USAlliance Credit Union, but it’s a high earner worth looking into. Its simple cash back structure is attractive for both maximalists and minimalists. It’s loaded with Visa Signature perks as well.

FEATURES AT A GLANCE

  • No annual fee
  • 1% foreign transaction fee
  • 3x points on everything (until 12/31/22, then 2x points on everything as of 1/1/23)

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Review: Discover It Miles

⭐⭐, Credit Card Reviews /

The Discover It Miles is a simple no-fee card which earns 1.5% cash back on all purchases. It doesn’t have any especially interesting features or benefits, but may work for certain people in the short term. The card does earn 3% cash back on all purchases for the first year, without category restrictions, which is nice.

FEATURES AT A GLANCE

  • No annual fee
  • No foreign transaction fees
  • 1.5x points on everything

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Review: Navy Federal Credit Union Visa Signature Flagship Rewards

⭐⭐, Credit Card Reviews /

The Navy Federal Credit Union (NFCU) Flagship Rewards credit card is a simple card for everyday use that carries a small annual fee. It covers most general spending, although other options could be better.

FEATURES AT A GLANCE

  • $49 annual fee
  • No foreign transaction fees
  • 3x points on travel
  • 2x points on everything else
  • $100 credit towards Global Entry or TSA PreCheck (once every 4 years)

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