Washington Mutual - MyPoints Visa Review

I joined the MyPoints program a few months ago. As a nonprofit intern, I've been relying on credit cards a bit more than I prefer. I was looking for a way to earn points for the shopping I already do and earn giftcards to use as a little treat or to create a bit of wiggleroom in my budget.

After about a month, I receive an offer for the mypoints credit card. I've generated a bit of debt as an intern and the card came with a 6-month no interest offer on balance transfers and new purchases. I applied for the card and received a response nearly instantaneously. The card is through Washington Mutual, a financial institution I already use and like and trust. I received the card within a week and was able to transfer a balance. I also received a hefty chunk of points for applying and making my first purchase. I receive points for every purchase.

One feature I love is the automatic bill pay service, I sent a voided check to the company and they automatically transfer the minimum monthly payment to my card. While I am conscientious about paying my card and often pay more than the minimum, I am very busy and travel frequently. This allows me to ensure that my payment is always made by the due date, avoiding late fees and finance charges completely. I can then go online and make a larger payment towards my balance.

 All in all, I am very satisfied with the card.