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PlayStation® Visa® Credit Card
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3.7WalletHub Rating
WalletHub Rating
3.7
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.7
User Reviews
3.2
Market Comparison
3.6
fees: 5.0
rewards: 3.8
cost: 3.3
Other Features: 0.0
Purchase Intro APR→Not Offered
Transfer Intro APR→Not Offered
Regular APR→19.24%, 25.24% or 27.99% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
19.24%, 25.24% or 27.99% (V)
annual fee
$0
rewards rate
1 - 5 points / $1
Bonus Offer
$100
Bonus Offer
$100
minimum credit
Good
WalletHub's Take: The PlayStation® Visa® Credit Card is a good credit card that’s worth it for gamers or parents of gamers who have good credit or better. The card offers well-above-average rewards rates on PlayStation and Sony purchases, as well as on monthly cell phone bill payments, and it has a $0 annual fee.
Pros
- $100 initial bonus
- 5 points / $1 on PlayStation Store purchases and PlayStation and Sony products from authorized retailers
- No annual fee
Cons
- Potential for a very high regular APR
- Inconsistent redemption value
Rewards Details
- 5X points when you shop directly from PlayStation (on games, consoles, accessories, subscriptions and more).**
- 5X points when you shop the Sony Store and at authorized retailers***
- 3x points per $1 spent on cable & internet bill payments**
- 2x points on Restaurants & Fast Food (includes takeout, &delivery services)**
- 1x point on all other purchases anywhere Visa is accepted**
- Earn a $100 statement credit when you open and use the PlayStation Card to spend $400 in purchases within 60 days of account opening. Offer ends 12/31.*
Pros, Cons, & Details
Ulta Credit Card
4.4WalletHub Rating
WalletHub Rating
4.4
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.4
User Reviews
2.7
Market Comparison
4.5
fees: 5.0
rewards: 4.6
cost: 4.7
Other Features: 0.0
Purchase Intro APR→Not Offered
Transfer Intro APR→Not Offered
Regular APR→23.24% - 32.24% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
23.24% - 32.24% (V)
annual fee
$0
rewards rate
0.33 - 2 points / $1
Bonus Offer
500 Points + 20% discount
Bonus Offer
500 Points + 20% discount
minimum credit
Good
WalletHub's Take: The Ulta Credit Card is a $0 annual fee rewards credit card for people who want to save money on Ulta Beauty products and services. It offers 20% off your first Ulta purchase made with the card, plus ongoing rewards of 2 points per $1 spent at Ulta. The Mastercard version of the Ulta Credit Card also gives 500 bonus points for spending $500 outside of Ulta Beauty in the first 90 days and 1 point per $3 spent on non-Ulta purchases normally.
Pros
- No membership fees
- High rewards rate
- 500 Points + 20% discount initial rewards bonus
Cons
- No intro APR on purchases
- No intro APR on balance transfers
- Foreign fee
Rewards Details
- 20% off all products and services on your first purchase at Ulta Beauty.
- Enjoy 500 Welcome Bonus Points when you spend $500 in the first 90 days outside of Ulta Beauty.
- Earn 2 points for every $1 spent at Ulta Beauty; 1 point for every $3 spent outside of Ulta Beauty.
- Members who spend $500 between January 1 and December 31 will earn Platinum status receiving 2.25 points per $1 spent.
- Members who spend $1,200 between January 1 and December 31 will earn Diamond status receiving 2.5 points per $1 spent.
- Members can use their points to reduce the purchase price of a product or to receive a product for free.
Additional Info
- Pay your bill online.
- View your account activity.
- Check your card balance.
- Update your account information.
Pros, Cons, & Details
Victoria's Secret Credit Card
4.4WalletHub Rating
WalletHub Rating
4.4
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.5
Market Comparison
4.3
fees: 5.0
rewards: 4.4
cost: 4.4
Other Features: 0.0
Purchase Intro APR→Not Offered
Transfer Intro APR→Not Offered
Regular APR→32.24% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
32.24% (V)
annual fee
$0
rewards rate
10 points / $1
Bonus Offer
$25 discount
Bonus Offer
$25 discount
minimum credit
Fair
WalletHub's Take: The Victoria’s Secret Credit Card is a good card that’s worth it for people who frequently shop at Victoria’s Secret. The card has a $0 annual fee, rewards of 10 points per $1, and perks such as birthday bonuses and free shipping. Plus, you only need fair credit to be approved for an account.
Pros
- No membership fees
- High rewards rate
- $25 discount initial rewards bonus
- Qualify with fair credit
Cons
- Spending caps on rewards
- High regular APR
Rewards Details
- Get $25 off your first purchase when you open the card and make a purchase.
- Earn 10 points with every $1 you spend and earn 15 points when spending $750 in a year. Get a $10 reward for every 2,000 points earned.
- Earn 30 points with every $1 you spend on all bra purchases.
- Automatic Silver status upgrade for Cardmembers, with the opportunity to reach Gold status by spending $750 in a year.
- A $10 Birthday Reward each year your card is active. Upgrade to Gold status and get a $15 Birthday Reward.
- Receive a 15% off on your card anniversary. Upgrade to Gold status and get a 20% off.
- Free Shipping on purchases of $50 or more, check code on website.
Pros, Cons, & Details
Sportsman's Warehouse Store Card
3.6WalletHub Rating
WalletHub Rating
3.6
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
3.9
Market Comparison
3.6
fees: 5.0
rewards: 3.4
cost: 3.5
Other Features: 0.0
Purchase Intro APR→Not Offered
Transfer Intro APR→Not Offered
Regular APR→33.24% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
33.24% (V)
annual fee
$0
rewards rate
5 points / $1
Bonus Offer
15% discount
Bonus Offer
15% discount
minimum credit
Fair
WalletHub's Take
Pros
- No membership fees
- High rewards rate
- 15% discount initial rewards bonus
- Qualify with fair credit
Cons
- High regular APR
Read our editor's full Sportsman's Warehouse Store Card review.
Rewards Details
- Open and use a Sportsman's Warehouse Store Card today and get 15% off (up to $50) your first online purchase now.
- Earn 5 points per eligible net $1 spent at Sportsman's Warehouse or Sportsmans.com
- Keep your points as long as you earn one point every 12 months, and there's no cap on how many you can earn.
- You can redeem points for gear and you can start redeeming when you have at least 1 available point.
Additional Info
- Exclusive deals and special offers for cardmembers.
Pros, Cons, & Details
IKEA Credit Card
3.6WalletHub Rating
WalletHub Rating
3.6
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Market Comparison
3.6
fees: 5.0
rewards: 3.5
cost: 3.5
Other Features: 0.0
Purchase Intro APR→Not Offered
Transfer Intro APR→Not Offered
Regular APR→21.99%
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
21.99%
annual fee
$0
rewards rate
1% - 5% back in rewards
Bonus Offer
up to $50
Bonus Offer
up to $50
minimum credit
Good
WalletHub's Take
Pros
- No membership fees
- High rewards rate
- up to $50 initial rewards bonus
- No foreign fee
Cons
- No intro APR on purchases
- No intro APR on balance transfers
- Requires good/excellent credit
Read our editor's full IKEA Credit Card review.
Rewards Details
- $25 off your first IKEA purchase of $25 or more when you open and use your IKEA Visa credit card the same day.
- $25 IKEA Reward Certificate when you make $500 in qualifying purchases outside of IKEA and TaskRabbit within the first 90 days of account opening.
- 5% back in rewards on IKEA purchases and TaskRabbit assembly services.
- 3% back in rewards on dining, grocery and utility purchases.
- 1% back in rewards on all other purchases.
- Get a $15 IKEA® Reward Certificate for every $15 in rewards earned. Reward Certificates are issued in $15 increments with your billing statement.
Additional Info
- Automatic enrollment in the IKEA Family loyalty program if you're not already a member.
- Zero liability.
Pros, Cons, & Details
Sephora Credit Card
3.3WalletHub Rating
WalletHub Rating
3.3
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
1.9
Market Comparison
3.4
fees: 5.0
rewards: 3.1
cost: 3.4
Other Features: 0.0
Purchase Intro APR→Not Offered
Transfer Intro APR→Not Offered
Regular APR→23.24% - 31.99% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
23.24% - 31.99% (V)
annual fee
$0
rewards rate
1 - 4 % in Reward Dollars
Bonus Offer
25% discount + up to $170
Bonus Offer
25% discount + up to $170
minimum credit
Good
WalletHub's Take
Pros
- No membership fees
- 25% discount + up to $170 initial rewards bonus
Cons
- No intro APR on purchases
- No intro APR on balance transfers
- Foreign fee
- Requires good/excellent credit
Read our editor's full Sephora Credit Card review.
Rewards Details
- 25% off your first purchase at Sephora when you open and use your card within 30 days of account opening.
- Earn a $20 as a Sephora Credit Card Reward when you use your Card to spend $500 outside of Sephora in the first 90 days from approval.
- Limited time offer: Earn $150 in credit card rewards when you spend $1,500 on it outside Sephora within 90 days of account opening. Valid through 9/25/2024.
- Earn 2x Beauty Insider Points per $1 spent at Sephora.
- Earn 4% back in rewards in store or online at Sephora.
- Earn 1% back in rewards on purchases outside Sephora.
- The current Reward Level is $125.00 Reward Dollars ($125.00 Reward Dollars = $5 Credit Card Reward).
Additional Info
- Zero liability.
Pros, Cons, & Details
Caesars Credit Card
1.6WalletHub Rating
WalletHub Rating
1.6
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Airline Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
2.0
User Reviews
2.6
Market Comparison
1.5
fees: 3.8
rewards: 0.7
cost: 1.4
Other Features: 0.0
Purchase Intro APR→Not Offered
Transfer Intro APR→Not Offered
Regular APR→23.24% - 32.24% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
23.24% - 32.24% (V)
annual fee
$0
rewards rate
1 - 5 points / $1
Bonus Offer
10,000 points
Bonus Offer
10,000 points
minimum credit
Good
WalletHub's Take: The Caesars Credit Card is a good credit card for people who frequent Caesars Rewards resorts and casinos, such as Caesars Palace, Harrah's, Tropicana, and Four Seasons. It’s worthwhile as long as you pay the bill in full every month, given that it has a $0 annual fee and rewards but also charges a high APR.
Pros
- No membership fees
- High rewards rate
- 10,000 points initial rewards bonus
Cons
- No intro APR on purchases
- No intro APR on balance transfers
- Foreign fee
- Requires good/excellent credit
Rewards Details
- Receive 10,000 Reward Credits® bonus and 2,500 Tier Credits after you spend $1,000 outside of a Caesars Rewards destination in the first 90 days.
- Receive additional 15,000 Reward Credits by spending at least $50,000 on your card within 12 months of account opening.
- Upgrade to Platinum status by making your first purchase in the first 90 days. Platinum status provides you with: 15% discount at participating casino gift shops, Complimentary valet & self-parking at many destinations, Discounts on select Norwegian Cruise Line® vacations, Discounted rates at Atlantis, Paradise Island in The Bahamas.
- Earn an additional 5,000 Tier Credits by spending $5,000 in a calendar year, on your Caesars Credit Card.
- 5x Reward Credits for every $1 spent at Caesars Rewards resorts and casinos.
- 2x Reward Credits for every $1 spent on Restaurants, Travel and Entertainment.
- 1x Reward Credits for every $1 spent everywhere else Visa® is accepted and cash advances.
- Your Reward Credits will never expire as long as you earn one Reward Credit once every six months, plus there is no cap on how much you can earn
Additional Info
- Zero liability if your card is ever lost or stolen.
- Participating Caesars Casinos: Caesars Palace, Cesars, Eldorado, Harrah's, Horseshoe, Tropicana, Flamingo, The Cromwell, The Linq, Paris, Planet Hollywood, Rio, Harveys, CIrcus Circus Reno, Silver Legacy, Grand VictoriaCasino, Lumiere Place, Four Seasons, Baton Rouge, Indiana Grand, Lady Luck, Isle Casino, Eldorado Gaming, Caesars Republic, WSOP, Caesars sports, Isle of Capri
Pros, Cons, & Details
Ross Credit Card
3.5WalletHub Rating
WalletHub Rating
3.5
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Market Comparison
3.5
fees: 5.0
rewards: 3.3
cost: 3.4
Other Features: 0.0
Purchase Intro APR→Not Offered
Transfer Intro APR→Not Offered
Regular APR→32.24%
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
32.24%
annual fee
$0
rewards rate
1 - 5% Cash Back
Bonus Offer
10% off
Bonus Offer
10% off
minimum credit
Good
WalletHub's Take
Pros
- No membership fees
- High rewards rate
- 10% off initial rewards bonus
Cons
- No intro APR on purchases
- No intro APR on balance transfers
- Foreign fee
- Requires good/excellent credit
Read our editor's full Ross Credit Card review.
Rewards Details
- Valid one time only: Get 10% off a purchase at Ross Dress for Less.
- Earn 5% back in Ross Rewards on purchases at Ross Dress for Less.
- Earn 1% back in Ross Rewards on all other purchases where Mastercard is accepted.
- $5 Rewards Certificate for every $100 you spend at Ross Dress for Less.
Additional Info
- Tap to pay and redeem certificates with your phone.
Pros, Cons, & Details
Victoria's Secret Mastercard Credit Card
4.6WalletHub Rating
WalletHub Rating
4.6
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Market Comparison
4.6
fees: 5.0
rewards: 4.4
cost: 5.0
Other Features: 0.0
Purchase Intro APR→Not Offered
Transfer Intro APR→Not Offered
Regular APR→32.24% (V)
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
32.24% (V)
annual fee
$0
rewards rate
2 - 10 points / $1
Bonus Offer
up to $55 discount
Bonus Offer
up to $55 discount
minimum credit
Good
WalletHub's Take
Pros
- No membership fees
- High rewards rate
- up to $55 discount initial rewards bonus
Cons
- Spending caps on rewards
- No intro APR on purchases
- No intro APR on balance transfers
- Foreign fee
Read our editor's full Victoria's Secret Mastercard Credit Card review.
Rewards Details
- Limited time offer: Get $25 off your first purchase when you open and use your card.
- Get $30 after spending $500 in the first 90 days of account opening.
- Earn 4 points per $1 spent on dining, travel and streaming services.
- Earn 2 points per $1 spent on all purchases.
- Earn 10 points with every $1 you spend and earn 15 points when spending $750 in a year at Victoria's Secret or PINK. Get a $10 reward for every 2,000 points earned.
- Earn 30 points with every $1 you spend on all bra purchases.
- Automatic Silver status upgrade for Cardmembers, with the opportunity to reach Gold status by spending $750 in a year.
- A $10 Birthday Reward each year your card is active. Upgrade to Gold status and get a $15 Birthday Reward.
- Receive a 15% off on your card anniversary. Upgrade to Gold status and get a 20% off.
- Free Shipping on purchases of $50 or more. Upgrade to Gold status and get free shipping on purchase of $25 or more.
Additional Info
- Zero fraud liability.
Pros, Cons, & Details
NFL Extra Points Credit Card
2.5WalletHub Rating
WalletHub Rating
2.5
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.7
User Reviews
3.1
Market Comparison
2.1
fees: 4.0
rewards: 5.0
cost: 1.4
APR: 2.1
Purchase Intro APR→0%for6 months
Transfer Intro APR→Not Offered
Regular APR→19.24% - 33.24% (V)
Purchase Intro APR
0%for6 months
Transfer Intro APR
Not Offered
Regular APR
19.24% - 33.24% (V)
annual fee
$0
rewards rate
1 - 3 points / $1
Bonus Offer
$100
Bonus Offer
$100
minimum credit
Good
WalletHub's Take
Read our editor's full NFL Extra Points Credit Card review.
Rewards Details
- Get $100 Cash Back when you spend $500 on purchases outside of the NFL in your first 90 days from open date. Paid as a statement credit.
- 20% Off every NFLShop.com purchase made with your NFL Extra Points Visa Credit Card.
- Earn 3% in Rewards (3 points / $1) on qualifying NFL purchases and NFL Team purchases.
- Earn 2% in Rewards (2 points / $1) on grocery store, food delivery, restaurants, gyms and sporting goods purchases.
- Earn 1% in Rewards (1 point / $1) on all other purchases.
- Earn points and redeem them for gift cards available now, or unique NFL experiences, tickets, merchandise and more
Additional Info
- Special Financing with no interest for 6 months on NFL Tickets when you spend $250 or more at NFL Team Ticket Offices, Ticketmaster and SeatGeek with your NFL Extra Points Visa Credit Card.
Pros, Cons, & Details
Washington Commanders Credit Card
2.4WalletHub Rating
WalletHub Rating
2.4
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
3.9
Market Comparison
2.2
fees: 4.0
rewards: 5.0
cost: 1.6
APR: 2.1
Purchase Intro APR→0%for6 months
Transfer Intro APR→Not Offered
Regular APR→19.24% - 33.24% (V)
Purchase Intro APR
0%for6 months
Transfer Intro APR
Not Offered
Regular APR
19.24% - 33.24% (V)
annual fee
$0
rewards rate
1 - 3 points / $1
Bonus Offer
$100
Bonus Offer
$100
minimum credit
Good
WalletHub's Take
Pros
- No membership fees
- 0% intro APR on purchases
- High rewards rate
- $100 initial rewards bonus
Cons
- No intro APR on balance transfers
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
Read our editor's full Washington Commanders Credit Card review.
Rewards Details
- Get $100 Cash Back when you spend $500 on purchases outside of the NFL in your first 90 days from open date. Paid as a statement credit.
- 20% Off every NFLShop.com purchase made with your NFL Extra Points Visa Credit Card.
- Earn 3% in Rewards (3 points / $1) on qualifying NFL purchases and NFL Team purchases.
- Earn 2% in Rewards (2 points / $1) on grocery store, food delivery, restaurants, gyms and sporting goods purchases.
- Earn 1% in Rewards (1 point / $1) on all other purchases.
- Earn points and redeem them for gift cards available now, or unique NFL experiences, tickets, merchandise and more.
Additional Info
- Special Financing with no interest for 6 months on NFL Tickets when you spend $250 or more at NFL Team Ticket Offices, Ticketmaster and SeatGeek with your NFL Extra Points Visa Credit Card.
Pros, Cons, & Details
Featured Credit Cards
Ad Disclosure
Upgrade Cash Rewards Visa®
Apply Now
4.8WalletHub Rating
WalletHub Rating
4.8
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.2
User Reviews
3.3
Market Comparison
5.0
fees: 5.0
rewards: 5.0
cost: 5.0
Other Features: 5.0
Purchase Intro APR→Not Offered
Transfer Intro APR→Not Offered
Regular APR→14.99% - 29.99%
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
14.99% - 29.99%
annual fee
$0
rewards rate
1.5% Cash Back
minimum credit
Fair
WalletHub's Take: The Upgrade Cash Rewards Card is a good option for people with fair credit who want to borrow money and build credit at a reasonable price. But if you plan to pay your monthly bills in full or you have good-to-excellent credit, there are better, more rewarding options available.
Pros
- No membership fees
- Qualify with fair credit
Cons
- APR up to 29.99%
- No grace period
Rewards Details
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
- Earn 1.5% unlimited cash back on card purchases every time you make a payment
- *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.
Additional Info
- Combine the flexibility of a credit card with the predictability of a personal loan
- No annual fee
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Enjoy peace of mind with $0 Fraud liability
Pros, Cons, & Details
Capital One SavorOne Cash Rewards Credit Card
Apply Now
4.3WalletHub Rating
WalletHub Rating
4.3
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.8
User Reviews
3.6
Market Comparison
4.2
fees: 5.0
rewards: 3.9
cost: 4.5
Other Features: 0.0
Purchase Intro APR→0%for15 months
Transfer Intro APR→0% for 15 months|Transfer Fee: 3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time
Regular APR→19.99% - 29.99% (V)
Purchase Intro APR
0%for15 months
Transfer Intro APR
0% for 15 months|Transfer Fee: 3% for the first 15 months, 4% at a promo APR that Capital One may offer you at any other time
Regular APR
19.99% - 29.99% (V)
annual fee
$0
rewards rate
1 - 8% Cash Back
Bonus Offer
$200
Bonus Offer
$200
minimum credit
Good
WalletHub's Take: The Capital One SavorOne card is a good credit card that’s worth it for foodies and entertainment lovers who want to earn bonus rewards without paying an annual fee. You can get 3% cash back on entertainment, popular streaming services and dining, which covers everything from fast food to restaurants with Michelin stars. And if you want to cook for yourself, SavorOne has you covered there, too, with 3% cash back at grocery stores. Those earning rates are roughly three times higher than the market average of 1% back, which is what you'll earn on all other purchases.
Pros
- Earn $200 initial bonus
- High rewards rate
- $0 annual fee
- 0% intro APR on purchases and balance transfers
Cons
- High regular APR
- Balance transfer fee
- Requires good/excellent credit
Rewards Details
- Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
- Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases
- Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
- Earn 8% cash back on Capital One Entertainment purchases
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
Additional Info
- 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies
- No foreign transaction fee
- No annual fee
Pros, Cons, & Details
Wells Fargo Active Cash® Card
Apply Now
4.4WalletHub Rating
WalletHub Rating
4.4
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.2
Market Comparison
4.4
fees: 3.8
rewards: 4.7
cost: 4.7
Other Features: 0.0
Purchase Intro APR→0%for12 months from account opening
Transfer Intro APR→0% for 12 months from account opening on qualifying balance transfers|Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)
Regular APR→20.24% - 29.99% Variable
Purchase Intro APR
0%for12 months from account opening
Transfer Intro APR
0% for 12 months from account opening on qualifying balance transfers|Transfer Fee: 3% intro for 120 days, then up to 5% (min $5)
Regular APR
20.24% - 29.99% Variable
annual fee
$0
rewards rate
2% Cash Rewards
Bonus Offer
$200 Cash Rewards
Bonus Offer
$200 Cash Rewards
minimum credit
Good
WalletHub's Take: The Wells Fargo Active Cash® Card is a good credit card for people with a credit score of 700 or higher who want to earn above-average rewards without any hassle and without paying an annual fee. Wells Fargo Active Cash also is worthwhile for people interested in 0% introductory APRs and getting up to $600 in cell phone protection.
Pros
- $200 cash rewards bonus
- $0 annual fee
- 2% cash rewards on purchases
- 0% introductory APR
Cons
- High regular APR
- Foreign transaction fee
- Balance transfer fee
Rewards Details
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- No categories to track or remember and cash rewards don't expire as long as your account remains open.
Additional Info
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Pros, Cons, & Details
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Bread Financial Credit Card Reviews
5
34%
4
30%
3
19%
2
6%
1
11%
3.6
24,283 reviews
24,283 reviews
What's Your Rating?
Most Recent
whuser76211538
@whuser76211538
1 Star Rating
I attempted to obtain information about why I can only download transactions in OFX format, and I was informed that they were unaware of the web page. They were also unable to direct me to someone who could assist. I doubt I would choose this bank if they lack access to their web developers.
Product:
Sony Visa® Credit Card
Comment
Erik Ramos
@hazmatinvest
1 Star Rating
The worst credit card ever! You make a payment, and even if it has cleared your bank, you have to wait 10 business days after the payment has cleared to use the available credit posted online and over the phone. The credit card representative supervisor confirmed that this policy is not in the credit card user agreement. This is fraud and false advertising.
Product:
Toyota Credit Card
Comment
Isael Martinez
@martinezisael5
1 Star Rating
"If I could give zero stars, I would... This company is a scam. No one is knowledgeable enough to understand and communicate situations. Do not get the card; the credit team is ineffective at addressing any concerns, and you will be charged additional interest even after completing the payments. They lack structure, and I regret the day I walked into one of these locations."
Product:
Petland Credit Card
Comment
1991livingwell
@1991livingwell
1 Star Rating
Do not get a credit card from them. Customer service does not know what they are doing. High interest rates. They try to keep you locked in for life, even when you pay off your balance. I do not know if my next step will need to be hiring a lawyer. Scammers.
Product: Comenity Capital Credit Cards
Comment
forshayv
@forshayv
1 Star Rating
I have a tier one credit score and I highly do not recommend getting the Victoria's Secret credit card. What they do is a scam. You could be one day late, pay your bill in full, and pay the $32.75 late fee, and then they charge you the next month because the bill was late. You paid a $32.75 late fee after the deadline. It's a domino effect; it's a bad company—stay away from it. You'll never get good credit with this place. I actually canceled the Victoria's Secret credit card and will be using my AMEX for further purchases. I highly recommend not using this credit card—they're thieves. I paid them $32.75 twice and a $52.63 late fee. They charged me another $32.75. Never before had I ever had to deal with such a situation. Basically, they were charging me for their interest payments and continuing them each month. It's totally a scam.
Venus Forshay
Product:
Victoria's Secret Credit Card
Comment
connor_long_117
@connor_long_117
1 Star Rating
I encountered Comenity Capital through a credit card program with Academy Sports. I quickly realized that, in addition to committing fraud and being extremely predatory, they are a horribly unethical financial institution with no customer service. Avoid them at all costs.
Product: Comenity Capital Credit Cards
Comment
germanicus50
@germanicus50
1 Star Rating
Initially, I thought I would need ALPHAEON credit. Fortunately, I was able to pay the whole owed amount. Yet, I was charged $30 after making the payment for late payment fees. ALPHAEON Credit stated I should've made the first payment 2 days before I paid the whole amount. I told ALPHAEON, 1) I was not alerted to the payment due, 2) I couldn't pay as the vendor only disbursed the product the day I made the payment, 3) When I paid the total amount, their representative never mentioned the late fees. ALPHAEON disclosed my late fees days after my payment. I found ALPHAEON's practice dishonest and deceptive. A supervisor threatened me to "ruin" my credit if I didn't pay the late fees, which left me in disbelief upon hearing this. ALPHAEON acted unscrupulously and ruthlessly. I will never use this system again and I want to prevent others from using it in their best interest.
Product:
Alphaeon Credit Card
Comment
cindy Filion
@itsmeehere
Where & what did u use it for May I ask , cuz I'm looking to use for Botox I'm in Florida an this is frustrating
Comment
dnoverbrook
@dnoverbrook
1 Star Rating
I have paid on the date my payment is due each month, yet I'm getting hit with $41 late fees for not paying by "5 pm" on the due date. Loft/Comenity, are you aware that midnight is when the date changes? You are reinventing the wheel so you can unfairly charge your members with late fees. This is an unfair practice, considering most people work until 5 pm and are not focused on your stringent rules during their workday. You are setting people, who are already struggling, up for failure. Your customer service is also subpar. Upon complaining via phone, your representative clearly hung up during our conversation. I recommend not doing business with Comenity or The Loft if they continue to support these practices. Terrible!
Product:
Loft Credit Card
Comment
Joe Wisinski
@joew_46
1 Star Rating
This is a terrible credit card. It requires a minimum of $25 to receive cash back. Also, I signed up to earn $15 in cash back by paying two cell phone bills with the card. That was in April, so I've paid for May, June, July, and August, but haven't received the cash back. Their website is terrible, too. It demands that I enter a challenge question every time, even though I'm using the same browser and I tell it to remember me. Also, every time I log in, the site wants me to connect my card to PayPal. I don't want to do that and don't have the option to skip that screen forever. Stay away from this credit card.
Product:
AAA Rewards Credit Card
Comment
Sara McCabe
@swmccabe
1 Star Rating
The card has an unsatisfactory rewards system, and its customer service is unable to answer simple questions about the "cash back" card. I was promised a 4% reward return on AAA-related purchases for the first six months I used the card, but the telephone VISA AAA customer service representative knew nothing about this AAA-published 4% offer and denied that it existed.
I was also misinformed by AAA staff about what the 4% reward category included. The categories themselves are so vague that, for example, the 3% category does not include in the 4% reward category what it calls "dining-in" eating at fast food restaurants or establishments that categorize themselves as lounges, taverns, or bars, even though the one I dined at and spent a lot of money on was primarily a restaurant. There are other examples of these vague categories that reduce the "cash back" offer. How the cash is accrued is not at all transparent.
I still have to resolve why I was not awarded the 4% for the five hotel reservations made at the AAA office with the assistance of the travel adviser. I am very disappointed and will address my complaints to both VISA and AAA when I return home.
Product:
AAA Rewards Credit Card
Comment
Review Bread Financial Credit Cards
Bread Financial Credit Card Q&A
Get answers to your questions about Bread Financial Credit Cards below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
Most Popular
Upvotes
How can I log in to my Victoria's Secret Credit Card account online?
Reply
Chip Lupo, Credit Card Writer
@CLoop
You can log in to your Victoria's Secret Credit Card account by going to the login page on the Comenity Bank website and entering your username and password in the appropriate fields. Then, click the “Sign In” to access your online account.
How to Register for Online Access on your Victoria's Secret Credit CardAccount
- Register your Victoria's Secret Credit Cardfor online account access. Click “Register Now” and enter card number, ZIP code, and last four digits of your Social Security number to verify your credit card account.
- Choose your Victoria's Secret Credit Card username and password.
- Log in with your new Victoria's Secret Credit Card credentials. From the login page on the Comenity Bank website, fill out the username and password fields using your new credentials, and click “Sign In” to access your account.
After you have signed up and logged in, you'll be able to manage your Victoria's Secret Credit Card account online. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.
If you forget your login information, click “Forgot Username/Password?” on the Comenity Bank login page. Then, follow the prompts to reset or retrieve your username or password.
Upvotes
How can I pay my Ulta Credit Card?
Reply
Maria Adams, Credit Cards Moderator
@m_adams
You can make an Ulta Credit Card payment online, by phone, by mail or through EasyPay. To pay an Ulta Credit Card bill online, log in to your online account and click on "Pay Now." Then, choose how much to pay, when to pay it, and where the payment is coming from. Comenity Bank does allow cardholders to set up automatic payments, too.
Ways to Make an Ulta Credit Card Payment
- Online: Log in to...
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1
12
Upvotes
How can I pay my Victoria's Secret Credit Card bill?
Reply
12
1
WalletHub
@WalletHub
You can pay your Victoria's Secret Credit Card bill online or over the phone at (800) 695-9478. Alternatively, you can make a Victoria's Secret Credit Card payment via mail or in person at a Victoria's Secret store.
How to Pay Your Victoria's Secret Credit Card
- Online: Log in to your online account or use the EasyPay feature in order to pay your bill.
- Phone: Call (800) 695-9478 Monday-Saturday, 8:00 am to 9:00 pm EST to make a payment. Keep in mind that there...
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5
1
Upvote
How can I pay my Torrid Credit Card?
Reply
1
Maria Adams, Credit Cards Moderator
@m_adams
You can make Torrid Credit Card payment online, by phone, by mail, at a store or through EasyPay. To pay Torrid Credit Card bill online, log in to your online account and find the payment button. Then, choose how much to pay, when to pay it, and where the payment is coming from. Comenity Capital Bank does allow cardholders to set up automatic payments, too.
Ways to Make Torrid Credit Card Payment
- Online: Log in to...
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1
Upvote
How can I pay my Burlington Credit Card?
Reply
1
Maria Adams, Credit Cards Moderator
@m_adams
You can make a Burlington Credit Card payment online, by phone, by mail or through EasyPay. To pay a Burlington Credit Card bill online, log in to your online account and click on "Make a Payment." Then, choose how much to pay, when to pay it, and where the payment is coming from. Comenity does allow cardholders to set up automatic payments, too.
Ways to Make a Burlington Credit Card Payment
- Online: Log in to...
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* The information about the following cards has been independently collected by WalletHub: Ulta Credit Card, Victoria's Secret Credit Card, Sportsman's Warehouse Store Card, IKEA Credit Card, Sephora Credit Card, Caesars Credit Card, Ross Credit Card, Victoria's Secret Mastercard Credit Card, NFL Extra Points Credit Card, Washington Commanders Credit Card, Torrid Credit Card, and Burlington Credit Card.
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