Stop and Smell the Roses

Toys"R"Us & Babies"R"Us MasterCard
The Toys"R"Us & Babies"R"Us MasterCard offers an ideal reward program for parents. Through the reward program, cardholders earn four points per $1 spent on eligible purchases at Toys"R"Us and Babies"R"Us and one point per $1 spent on all other eligible purchases. Each time the cardholder earns 1,000 points, they will automatically receive a 10% savings reward certificate that is valid at any Toys"R"Us or Babies"R"Us location. There is a low introductory rate available on purchases and balance transfers for the first six months, and there is no annual fee. Plus, the card has a reasonable interest rate on purchases and balance transfers after the introductory rate expires. Many common benefits and services are provided as well.

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Tribute MasterCard Gold Card
The Tribute MasterCard Gold Card is designed for those who only require the basic functions of a credit card, but would like to have their account reported to the credit bureaus. The card has high interest rates and an above average annual fee. There is also a monthly maintenance fee, which is average for this type of card. However, the best feature of this card is that it reports to the credit bureaus, which may be worth the additional fees. If you have trouble getting approved for other types of credit cards, you do not plan to carry a balance, and you do not mind paying the various fees, this card may be a reasonable option.

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Starbucks Card Platinum Duetto Visa Card
The Starbucks Card Platinum Duetto Visa Card is both a reloadable Starbucks Card and a Visa Credit Card in one. Through the reward program, a 1% rebate is awarded on all qualifying credit card purchases. You'll also earn a 1% rebate when you reload the Starbucks Card account using the Visa account, or you can earn a 3% rebate if you subscribe to automatic reloads. Rebates are automatically transferred to the Starbucks Card account on a monthly basis, and you'll receive $10 on your Starbucks Card after your first purchase. This card has a reasonable interest rate for purchases and balance transfers with no annual fee, and it does offer an interest-free introductory period for purchases and balance transfers for the first six months of cardmembership. Many platinum benefits and services are also provided.

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