visa signature

Review: Redstone Federal Credit Union Visa Signature

⭐⭐⭐⭐⭐, Credit Card Reviews /

Redstone Federal Credit Union (RFCU) is based out of Northern Alabama. Their Visa Signature card offers high cash back rates for restaurant and gas spending, plus a decent amount of cash back in other categories. This obscure no-fee credit card offers a lot to consider. The main downside is that it’s no longer possible to join the credit union if you don’t live within their area of service (AL/TN).

FEATURES AT A GLANCE

  • No annual fee
  • No foreign transaction fees
  • No balance transfer or cash advance fees
  • 5% cash back for restaurants ($7,000 annual spending limit)
  • 5% cash back for gas ($7,000 annual spending limit)
  • 3% cash back for groceries, discount stores, wholesale clubs, utilities, phone and streaming services ($7,000 annual spending limit each)
  • 1.5% cash back on everything else

…

Review: Redstone Federal Credit Union Visa SignatureRead More »

Review: USAA Eagle Navigator Visa Signature

⭐⭐⭐, Credit Card Reviews /

The USAA Eagle Navigator Visa Signature began a trial rollout in September 2023 before being officially launched later. It’s a travel-centric card which doubles as an everyday card. It can earn at least 2% cash back on every purchase, and it’s not difficult to offset the small annual fee. It’s not a one-size-fits-all solution, however.

FEATURES AT A GLANCE

  • $95 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)

…

Review: USAA Eagle Navigator Visa SignatureRead More »

Review: Wells Fargo Autograph Journey

⭐⭐⭐, Credit Card Reviews /

In March 2024, Wells Fargo launched their new “Autograph Journey” Visa Signature credit card, meant as a more premium version of their no-fee Wells Fargo Autograph card. Which in turn was based on the old Wells Fargo Propel card (since discontinued). Unfortunately, the Autograph Journey doesn’t have a clear value proposition compared to other credit cards. It can be okay for some people, but most people will either (1) prefer an actual premium travel card, or (2) prefer the no-fee Autograph card.

FEATURES AT A GLANCE

  • $95 annual fee
  • No foreign transaction fee
  • 5x points on hotels
  • 4x points on flights
  • 3x points at restaurants
  • 3x points on other travel (auto rentals, cruise lines, travel agencies, and campgrounds)
  • 1x points on everything else
  • $50 annual credit with your first airline purchase (per cardmember year)

…

Review: Wells Fargo Autograph JourneyRead More »

Review: United Explorer Visa Signature

⭐⭐⭐⭐, Credit Card Reviews /

Credit cards for United Airlines are issued by Chase Bank. In this review, we’ll focus on the United Explorer Card, which has a small annual fee. Although a wide range of benefits are attached to the card, it should only be considered by travelers who fly United often enough to use those benefits. Infrequent fliers won’t want to keep this card longer than one or two years.

FEATURES AT A GLANCE

  • $95 annual fee (waived the first year)
  • No foreign transaction fees
  • 2x points on United purchases (including tickets, in-flight food/drinks, and events)
  • 2x points on dining (including delivery)
  • 2x points on hotel stays (when booked directly with the hotel)
  • 1x points on everything else

…

Review: United Explorer Visa SignatureRead More »

Review: Hudson Valley Credit Union (HVCU) Visa Signature

⭐⭐⭐, Credit Card Reviews /

The Hudson Valley Credit Union (HVCU) Visa Signature credit card appears at first glance to be a relatively straightforward card for everyday spending. However, the value of the points it earns will vary widely, and there are different types of non-credit accounts that you can have. The value of this credit card can change a lot depending on your personal preferences.

Hudson Valley Credit Union is a small credit union based in New York’s Hudson Valley region, founded in Dutchess County in 1963. You must live in or around southeastern New York to open an account with the bank, with a presence in at least one of the 12 counties they serve (listed below).

FEATURES AT A GLANCE

  • No annual fee
  • No foreign transaction fee
  • 2x points on everything

…

Review: Hudson Valley Credit Union (HVCU) Visa SignatureRead More »

Review: Fidelity Rewards Visa Signature

⭐⭐⭐⭐, Credit Card Reviews /

The Fidelity Rewards Visa Signature is a straightforward card for earning cash back on everyday purchases. It gets an unlimited 2% back on everything, without category restrictions or fees. The card is offered in partnership with Elan Financial Services. As of September 2023, the card no longer has a foreign transaction fee (previously 1%).

FEATURES AT A GLANCE

  • No annual fee
  • No foreign transaction fee
  • 2% cash back on everything

…

Review: Fidelity Rewards Visa SignatureRead More »

Review: Elan Travel Rewards+ Visa Signature

⭐⭐⭐, Credit Card Reviews /

The Elan Travel Rewards+ Visa Signature is a mid-tier card for travel and vacationing. Issued by Elan Financial Services, it was released around mid-2023.

This credit card is available at dozens of credit unions, including Spectra and Valley Bank. Card details are the same regardless of which bank you work with. Other Elan cards include the Max Cash Preferred and Everyday Rewards+.

FEATURES AT A GLANCE

  • $99 annual fee (waived the first year)
  • No foreign transaction fees
  • 4x points on travel
  • 4x points on gas (and electric vehicle charging stations)
  • 4x points on entertainment and recreation
  • 1.5x points on everything else

…

Review: Elan Travel Rewards+ Visa SignatureRead More »

Review: Signature Federal Credit Union Visa Signature

⭐⭐⭐⭐⭐, Credit Card Reviews /

The Signature Federal Credit Union Visa Signature is an obscure yet powerful everyday card which beats most competitors. It has good cash back rates, no fees, and a host of Visa perks which are normally only found on high-fee Visa Infinite cards. Few credit cards offer superior cash back on non-category purchases or superior non-cashback perks. Side note: this is unrelated to Signature Bank of New York. Signature FCU is its own entity.

FEATURES AT A GLANCE

  • No annual fee
  • No foreign transaction fees
  • 6% cash back on streaming (up to $10 per month)
  • 2% cash back on everything else

…

Review: Signature Federal Credit Union Visa SignatureRead More »

Credit Card Issuers: TD Bank (6 cards reviewed)

Credit Card Reviews, Credit Card Roundups /

In May 2023, TD Bank “revamped” their line of consumer credit cards. In general, there isn’t any reason to consider TD Bank; their credit cards have been worse than competing options for a long time. These cards are still among the worst in the industry even after their updates. Let’s look into why they’re bad and what the alternatives are.

…

Credit Card Issuers: TD Bank (6 cards reviewed)Read More »

Review: Elan Everyday Rewards+ Visa Signature

⭐⭐⭐⭐, Credit Card Reviews /

The Everyday Rewards+ Visa Signature credit card is a trimmed-down version of the U.S. Bank Altitude Go card for regional banks. It’s good for restaurant-related expenses.

In general, the Altitude Go is much better. The Everyday Rewards+ is only an alternative for people outside of U.S. Bank’s footprint. Because of U.S. Bank’s regional restrictions on applications, not everyone can get their credit cards. Elan cards function as a workaround. Many credit unions and other small banks carry Elan-issued cards. For example: A+ Federal Credit Union, Kearny Bank, Trustco Bank, and Webster Bank. Check your local area to see what’s available.

Also see: the Max Cash Preferred, which is an alternative to the U.S. Bank Cash+ card.

FEATURES AT A GLANCE

  • No annual fee
  • 3% foreign transaction fee
  • 4x points on dining (including delivery and takeout)
  • 2x points on groceries (including delivery)
  • 2x points on streaming
  • 2x points on gas (and electric vehicle charging stations)
  • 1x points on everything else

…

Review: Elan Everyday Rewards+ Visa SignatureRead More »