The U.S. Bank Visa Platinum credit card does not include the rewards programs available with its line of FlexPerks cards. We’ll investigate if there are any perks included with this card.

Fees

There is no annual fee for this card and an introductory APR of 0% on balance transfers and purchases for 6 months. After that, the APR is as low as 11.99%.

Benefits of the U.S. Bank Visa Platinum Credit Card

Benefits include the ability to pay bills online, free online account access to work between accounts such as a checking or savings account, auto rental insurance, U.S. Bank Zero Liability and Fraud Protection. One of the points mentioned by U.S. Bank for this card is that it works well for those that “need a flexible credit limit and carry higher balances when necessary.

There are also optional benefits available if you choose to add them to the card, which include Payment Protection and Overdraft Protection if you have a U.S. Bank Checking Account.

Conclusion of the Investigation

You will need to have good to excellent credit to qualify for the U.S. Bank Visa Platinum, since the “flexible credit limit” will depend a great deal on your credit worthiness. Thus, you would probably qualify for the flexible credit limit with any credit card.

The benefits that are provided or included with card ownership are standard benefits that are usually available with all credit cards, plus there is no reward program. If you are looking for a 0% card with no annual fee, you may want to check out this card, otherwise even the U.S. Bank FlexPerks cards offer rewards programs for cash back and travel miles.

The Bed Bath & Beyond MasterCard by U.S. Bank offers rewards to cardholders and fans of Bed Bath & Beyond and a number of partner stores. We’ll take a look at this card to determine who may be interested in it.

Fees

There is no annual fee for this credit card and the APR can be as low as 13.99%. There is also no introductory APR that is currently being offered.

Bed Bath & Beyond Rewards

Cardholders earn 5 reward points for each $1 spent at Bed Bath & Beyond, buybuy BABY®, Christmas Tree Shops®, Harmon® and Harmon® Face Values®, and 1 reward point for each dollar spent on all other purchases. Every 1,000 points automatically earns a $10 reward card from Bed Bath & Beyond.

New Cardholder Bonuses

New cardholders earn a $10 reward card for Bed Bath & Beyond with the first purchase, which is equal to 1,000 bonus reward points. You will also receive a coupon for $25 off a purchase of $100 or more that is delivered with your new MasterCard.

Other Benefits of the Bed Bath & Beyond MasterCard

Benefits that are included with the MasterCard are the following:

• Zero Liability
• MasterCard Global Service^TM
• MasterAssist® Travel Assistance Services
• Travel Accident Insurance
• Extended Warranty Insurance
• Purchase Assurance

Conclusion of the Investigation

The Bed Bath & Beyond MasterCard is a card that will benefit frequent shoppers of Bed Bath & Beyond, buybuy BABY®, Christmas Tree Shops®, Harmon® and Harmon® Face Values. Reward cards that are earned can be used at these stores as well. The card is one of the more basic credit cards available, but includes the option of being able to earn reward points on purchases not made in the stores as well, unlike general store cards. Also note that the rewards cards are cards to be used at these stores, so if you are not a huge fan of Bed Bath & Beyond or there isn’t one in your area, this is probably not the card for you. There are more generalized credit card rewards programs available that allow you to earn cash back and rewards that you may find more suitable.

The Pink Ribbon Visa Signature Credit Card by Bank of America is the official credit card of the Susan G. Komen for the Cure breast cancer awareness organization. Bank of America is a National Series Sponsor of the Susan G. Komen Race for the Cure® Series and the Breast Cancer 3-Day® and provides support through credit cards, debit cards and checking accounts.

Fees

There is no annual fee for the Pink Ribbon Visa. New cardholders receive an introductory APR on purchase of 0% for the first 12 billing cycles and then the APR may be as low as 12.99%.

WorldPoints Rewards and Support for The Cure

Cardholders earn 1 point for each dollar spent with the Pink Ribbon Visa Signature. Additionally, for each new credit card account that is opened and activated, Susan G. Komen for the Cure receives a minimum of $3 and 0.20% of all net retail purchases. This would mean that approximately for every $100 in purchases made with the card, Komen receives 20 cents. $1 is also donated for each annual renewal of the card as well.

Support through Other Bank of America Services

As mentioned, Bank of America also supports Susan G. Komen for the Cure through other banking services such as debit cards and checking accounts.

For each new checking account and/or debit card opened, Komen receives $2 and an additional $1 on each annual anniversary of the for each new checking account and debit card and 10 cents for every $100 that is spent on purchases with the Susan G. Komen for the Cure® debit card.

Conclusion of the Investigation

The Pink Ribbon Visa Signature credit card is helpful in contributing and donating to Susan G. Komen for the Cure just by making your purchases with the card as well as a way to show your support for breast cancer awareness and finding a cure. No annual fee for the card and an introductory APR of 0% on purchases for an entire year also make it a great card to carry even if you hadn’t thought of supporting the cause.  Not to mention that you are also included in the WorldPoints Rewards program and will earn rewards points for the purchases that you make with the credit card as well.

At first glance, this may seem like an unlikely credit card for anyone who does not dine at Hooters regularly, but you may be surprised. The Hooters MasterCard from Merrick Bank is widely known as a credit card that offers post bankruptcy filers, larger than typical credit lines. There are other benefits to this card as well, so let’s investigate it a little further.

Fees

There is no annual fee for the Hooters MasterCard and the APR is based upon the individual’s credit and can be as low as 16.45%.currently 21.45%.

Rewards Program

The Hooters MasterCard also has a rewards program which is usually not offered with credit cards that are available to post bankruptcy filers. With the rewards program, you earn 5 points for each dollar spent on Hooters purchases and one point on all other purchase. Points are unlimited and never expire. You can redeem the points for gift cards, merchandise or cash back that is posted to your account.

If you like gift cards, you have the option of joining the Hooters Card Gift Card Program and automatically receive a $50 gift card every time you reach 5,000 points.

Conclusion of the Investigation

The Hooters MasterCard is not the greatest card available in terms of benefits, but if you are working on repairing your credit or have filed bankruptcy, it is one of the best unsecured credit cards available. Considering that there is no annual fee and includes a rewards program that offers cash back as well as merchandise, this could be a great card for your situation.