5 Credit Cards for the Avid Nature-Lover

December 19, 2019 &• 5 min read by Brian Acton Comments 0 Comments

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If the great outdoors is your ideal destination, the world is full of opportunities for your next vacation or weekend activity. But while your hobbies may be cheap compared to luxury hotels and shopping trips, you still have to pay for outdoor gear, gas and more.

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  • I just watched a documentary on the dark web, and I will never feel safe using my credit card again!
  • Luckily I don’t have to worry about that. I have ExtraCredit, so I get $1,000,000 ID protection and dark web scans.
  • I need that peace of mind in my life. What else do you get with ExtraCredit?
  • It’s basically everything my credit needs. I get 28 FICO® scores, rent and utility reporting, cash rewards and even a discount to one of the leaders in credit repair.
  • It’s settled; I’m getting ExtraCredit tonight. Totally unrelated, but any suggestions for my new fear of sharks? I watched that documentary too.
  • …we live in Oklahoma.

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Certain credit cards can help you fund your outdoor adventures and make them more affordable. Here are five credit cards for the nature-lover.

1. Cabela’s Club Visa Classic

Rewards: 2% points back on Cabela’s purchases and at participating Cenex convenience store locations, 1% points back on everything else
Signup Bonus: $25 in points upon approval and $10 in points when you make five purchases in 30 days
Annual Fee: $0
Annual Percentage Rate (APR): 9.99% on Cabela’s purchases. 16.99%, 19.99% or 25.99% for other purchases, based on your creditworthiness (as of 12/19/2019).
Why We Picked It: Cabela’s shoppers earn points good for purchases at the outdoor supplier.
For Your Outdoor Needs: The card earns 2% points on all Cabela’s purchases and 1% points on everything else. Points can be redeemed for free gear and outdoor experiences at Cabela’s.
Drawbacks: If you don’t spend thousands of dollars a year at Cabela’s, keep looking.

2. Bass Pro Shops Outdoor Rewards MasterCard

Rewards: 5% points on Bass Pro Shops purchases, 1% rewards points on everything else
Signup Bonus: $20 statement credit when you spend $100 in the first 90 days
Annual Fee: $0
APR: 9.99% for purchases at Cabela’s and Bass Pro Shops. 16.99%, 19.99% or 25.99% for other purchases, based on your creditworthiness (as of 12/19/2019).
Why We Picked It: Shoppers earn points for future Bass Pro Shops purchases and get access to special discounts all year round.
For Your Outdoor Needs: Cardholders earn 5% points on Bass Pro Shops purchases and 1% points on everything else. Points can be redeemed for goods and merchandise at Bass Pro Shops’ retail locations, website and catalog.
Drawbacks: If you aren’t a die-hard Bass Pro Shops customer, this card won’t provide much value.
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3. Costco Anywhere Visa Card by Citi

Rewards: 4% cash back on up to $7,000 in eligible gas purchases per year, 3% cash back on restaurant and eligible travel purchases, 2% cash back on Costco and Costco.com purchases, 1% cash back on everything else
Signup Bonus: None
Annual Fee: $0 (you will need a paid Costco membership)
APR: [carddata api_url=”https://static.ccom-cdn.com/credit/api/creditcard/v2/offer/citi-costco-citibankcreditcardoffers?af=32806″ option=”onGoingApr”]
Why We Picked It: Costco offers a wide variety of outdoor and sporting products and cardholders can earn big cash back rewards. (Full Disclosure: Citibank advertises on Credit.com, but that results in no preferential editorial treatment.)
For Your Outdoor Needs: With this card, Costco members can get 2% cash back at Costco, which stocks supplies including camping gear, groceries and outdoor apparel. The additional cash back rates provide many ways to earn cash back on your excursions.
Drawbacks: The card is only available to those with an active Costco membership.–>

3. REI Co-op Credit Card

Rewards: 5% back on REI purchases, 1% back on all other purchases
Signup Bonus: $100 REI gift card upon your first purchase
Annual Fee: $0
APR: 12.49% – 24.49%, based on your creditworthiness (as of 12/19/2019).
Why We Picked It: REI shoppers can earn annually distributed rebates on all purchases on top of REI’s member dividend, a profit-sharing program.
For Your Outdoor Needs: The card earns 5% back on REI purchases and 1% back on all other purchases, with rewards distributed annually in the form of a rebate. That’s on top of your REI member dividend, a profit-sharing feature that typically earns you 10% back on your annual REI spending. Plus, every time you use your card, REI will make a donation to the National Forest Foundation.
Drawbacks: This card is only valuable if you spend a lot at REI.

Rewards: 6% cash back on up to $6,000 in annual spending at U.S. supermarkets, 3% cash back at U.S. gas stations and 1% cash back on everything else
Welcome Offer: $250 statement credit when you spend $1,000 in the first three months (offer may vary)
Annual Fee: $95
APR: 0% for 12 months on purchases , then 13.99%-23.99% Variable
Why We Picked It: If you travel by car and do your own cooking, this card can earn a lot of cash back.
For Your Outdoor Needs: With 6% cash back at U.S. supermarkets and 3% cash back at U.S. gas stations, you’ll put money back in your pocket every time you gas up or stock up on s’mores supplies. There’s also a nice $250 welcome offer.
Drawbacks: There’s a $95 annual fee.

How to Choose a Card for Your Next Adventure

When you’re choosing a card for your outdoor adventures, try to identify the cards that best reward your spending habits.

If you spend thousands of dollars annually at one outdoor supplier, a store-branded credit card may provide a good return. But if you tend to spread your purchases around, you should look for a card that isn’t tied to one store.

Try to choose a card that will reward the way you like to travel. For example, if you like taking road trips to camping destinations, a card with strong cash back rates on gas and groceries might be the right fit. Also be sure to check the redemption options for all rewards, as they vary between cards.

What Credit Is Required for an Outdoor Credit Card?

Store-branded credit cards tend to have looser credit requirements, though this isn’t always the case – for instance, the Costco credit card requires excellent credit. General credit cards with cash back or travel rewards tend to require good to excellent credit. Before you apply, you should check your credit score to make sure you have a good chance of approval. You can check two of your credit scores for free at Credit.com.

Image: pixdeluxe

At publishing time, the Costco Anywhere Visa Card by Citi,Barclay Arrival Plus World Elite MasterCard and Blue Cash Preferred Card from American Express credit cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.


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3 Credit Cards for Retirement Investing

January 31, 2018 &• 6 min read by Brian Acton Comments 0 Comments

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The age of the pension has swiftly declined since the 1980s, and more Americans than ever before must invest in their own retirement. Retirement planning and investing is crucial, as it can help you get through your golden years comfortably.

When you have many other financial obligations, it can be difficult to set aside funds for retirement. But some credit cards can help by earning rewards that can be redeemed directly into an investment account.

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  • I just watched a documentary on the dark web, and I will never feel safe using my credit card again!
  • Luckily I don’t have to worry about that. I have ExtraCredit, so I get $1,000,000 ID protection and dark web scans.
  • I need that peace of mind in my life. What else do you get with ExtraCredit?
  • It’s basically everything my credit needs. I get 28 FICO® scores, rent and utility reporting, cash rewards and even a discount to one of the leaders in credit repair.
  • It’s settled; I’m getting ExtraCredit tonight. Totally unrelated, but any suggestions for my new fear of sharks? I watched that documentary too.
  • …we live in Oklahoma.

Get everything you need to master your credit today.

Get started

Here are three credit cards with retirement or investing rewards.

  1. Fidelity Rewards Visa Signature Credit Card

Rewards: Two points per dollar spent on all purchases.

Sign-Up Bonus: None

Annual Fee: $0

Annual Percentage Rate (APR): Variable 15.24% APR on purchases and balance transfers.

Why We Picked It: You can redeem your rewards directly into Fidelity retirement accounts.
For Your Retirement:
Every purchase earns two rewards points on the dollar. Points can be redeemed as deposits into eligible Fidelity retirement accounts, including a Traditional IRA, Roth IRA, Rollover IRA, or SEP IRA. Every $2,500 you spend is worth a $50 rewards deposit.
Drawbacks:
If you aren’t a Fidelity member, you won’t see much value from this card.

  1. Bank Americard Cash Rewards Credit Card

Rewards: 3% cash back on gas and 2% cash back at grocery stores and wholesale clubs on up to $2,500 in purchases each quarter; 1% back on all other purchases.

Signup Bonus: $150 bonus cash if you spend $500 in the first 90 days.
Annual Fee:
None

APR: 0% APR for 12 months on purchases and balance transfers, then variable 14.24% to 24.24% APR.

Why We Picked It: Merrill Lynch investors can use this card to boost their investments.
For Your Retirement:
If you use a Merrill Lynch Cash Management Account to invest in your retirement, this card can help you increase your contributions. Cash back can be redeemed for an electronic deposit into an eligible Cash Management Account, and those redemption types earn an extra 10% bonus every time you redeem.
Drawbacks:
If you don’t have an eligible Bank of America or Merrill Lynch account, you’ll lose out on the 10% redemption bonus.

  1. Edward Jones World Card

Rewards: One point per dollar spent on all purchases.

Signup Bonus: $100 account deposit if you spend $500 in the first 90 days.
Annual Fee:
None

APR: Variable 14.24% APR on purchases; 0% APR for 12 months on balance transfers, then variable 14.24% APR.

Why We Picked It: Edward Jones members can redeem rewards for account deposits.
For Your Retirement:
Every purchase you make earns one point on the dollar. Your points can be redeemed for cash deposits into an eligible Edward Jones account, including IRAs.
Drawbacks:
You can only access this card if you’re an Edward Jones customer.

Choosing a Credit Card to Help You Save for Retirement

There are many ways to save for retirement: 401(k) plans, IRAs, and more. If you aren’t saving for retirement yet (or you think you need to save more), the time to start is now. The earlier you begin, the better shot you have of reaching your retirement goals. Until you decide on the best investment strategy, credit cards should be a secondary concern at best.

When you set up an investment account, you should understand all the different ways you can contribute, and find out if credit card rewards are an option (some investment accounts are more flexible than others).

Credit cards that let you directly redeem your rewards for an investment deposit are convenient, but they’re not the only way to contribute rewards to retirement. If you have a retirement account that accepts cash contributions, you can simply redeem any credit card’s cash back rewards for a check or bank deposit, then turn around and put that money in your account.

Whether you choose a rewards card with investment redemptions or not, try to find one that fits your spending habits. If you spend the most money at one or two merchant types, you should try to find a card that rewards those purchases. If your spending is unpredictable, you should find a card with a flat rewards rate on every purchase.

What Is Required to Get a Credit Card for Retirement Investing?

The best rewards cards require good or excellent credit. Before you apply, you should check your credit score to see if you’ll make the cut. You can check your credit score for free at Credit.com.

You can also carry on the conversation on our social media platforms. Like and follow us on Facebook and leave us a tweet on Twitter.

Note: It’s important to remember that interest rates, fees, and terms for credit cards, loans, and other financial products frequently change. As a result, rates, fees, and terms for credit cards, loans, and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees, and terms with credit card issuers, banks, or other financial institutions directly.

Image: iStock


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Source: credit.com

Prefer the Train? Here Are 4 Credit Cards for Riding the Rails

December 19, 2019 &• 5 min read by Brian Acton Comments 0 Comments

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If you prefer traveling by train, you’re already familiar with the advantages of riding the rails. You can avoid the hassles of airports and highways, travel in comfort, and take in the scenery as you go.

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Many travel credit cards are singularly focused on flights and hotels. But some offer rewards that are just as valuable for train travelers.

Here are four travel credit cards for riding the rails.

1. Amtrak Guest Rewards World Mastercard

Rewards: Three points per dollar on Amtrak purchases; two points per dollar on eligible travel purchases; one point per dollar on all other purchases.
Sign-Up Bonus: 20,000 bonus points if you spend $1,000 in the first 90 days.
Annual Fee: $79
Annual Percentage Rate (APR): 16.49% to 24.49%, based on your creditworthiness (as of 12/19/2019).
Why We Picked It: This card is designed for regular Amtrak riders.
For Rail Travel: You’ll earn triple points on all Amtrak purchases, double points on qualifying travel purchases, and single points on every other purchase. Points can be redeemed for car rentals, hotels, gift cards, and more. But when you redeem for Amtrak travel, you’ll earn a 5% rebate on points. You’ll also receive a free Amtrak companion pass with a yearly renewal once you open your account.
Drawbacks: If you don’t ride Amtrak, this card isn’t for you.

Rewards: Two points per dollar on dining and travel; one point per dollar on all other purchases.
Sign-Up Bonus:
60,000 bonus points if you spend $4,000 in the first three months from account opening.
Annual Fee:
$95
APR: 15.99% – 22.99% Variable .
Why We Picked It: All travel purchases earn points that are redeemable for future trips.
For Rail Travel: Your travel purchases, including train tickets and public transportation, will earn double points. There are many redemption options, but you’ll get an extra 25% in value when redeeming points for travel through Chase Ultimate Rewards.
Drawbacks: There is an annual fee. 

3. Citi ThankYou Premier

Rewards: Three points per dollar on travel; two points per dollar on dining and entertainment; one point per dollar on all other purchases.
Sign-Up Bonus: None
Annual Fee: $0 the first year, then $95.
APR: 
17.49 t 25.49%, based on your creditworthiness (as of 12/19/2019).
Why We Picked It: With triple points on travel, you can rack up rewards quickly.
For Rail Travel: You’ll earn three points per dollar on travel, including passenger and commuter railways. Points can be redeemed for travel, gift cards, merchandise, and more.
Drawbacks: There is no sign-up bonus. 

How to Choose a Card for Rail Travel

If you primarily travel by train, you’ll want a card that offers great rewards rates for those expenses. With the exception of Amtrak’s travel credit card, there aren’t many cards on the market that single out trains. However, many cards do count rail travel as part of their overall travel category.

For any card you’re considering, verify that train fare will earn travel rewards and that rail travel is a valid redemption option.

What Credit Is Required for Train Travel Rewards Credit Cards?

The best travel credit cards may require good or excellent credit. Make sure you meet the credit requirements of a card before you submit an application. You can check your credit report card for free at Credit.com.

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Source: credit.com