This credit card is great if you are a member of mypoints.com. The site itself is excellent, basically allowing you to earn money for different tasks and spending on different things. With this credit card, you simply pile on the points, rather than earning them at the basic rate. I earn 2 points for each dollar that is spent using the card. What this accumulates to is free points, allowing me to redeem gift cards from a number of retailers. I shop online often, and I like to shop for free; since I am making purchases using the credit card, and was already a member of the site, I figured it would be a great investment move to use the card towards making purchases. If you shop online regularly, if you like rewards, and if you like bonus points being provided regularly based on your purchases, this card, paired with the mypoints.com site is a no brainer for you to choose. Points accumulate quickly, and as an added bonus, the rates on the credit card are a bit lower than traditional credit cards ( I currently pay 15%).
The World Financial Capital Bank-My Points Rewards Visa Card is a perfect way to rack up points on your MyPoints account. This card is accepted everywhere since its Visa and you can use it for everyday purchases or large ones to get great rewards back from MyPoints. It is simple, easy and quick to use and more convenient than carrying around cash. I have been really happy with all the points we have received from purchases and then been able to redeem for rewards from all different types of categories. This is a must for everyones wallet. Customer Service I have not yet had to contact customer service because I have not had any problems with the credit card or usage. I have not had it that long, so who knows in the future. Available Rates Available rates are good and vary greatly, I assume on our your credit rating and reviews from other companies. I have had a good interest rate on mine so far.
My friend told me about this card because we are both members of My Points, which is an excellent site to earn reward money. I applied for the card because I wanted the additional 1,000 my points that was offered. I did not realize all of the other benefits that this card had until I received it in the mail. I am able to use this card for normal everyday items, pay it off at the end of the month, and still earn tons of reward points to cash in for gift cards. I love this card. I get two my points for every dollar I spend and it does not take long to accumulate enough points to redeem a gift card. The gift card arrives in your mailbox within a couple of days. I was really impressed with how fast the gift cards arrived. I cashed out 4 gift cards last month and really didn't purchase different than I would normally do on my debit card. This card is great for earning points and I would highly recommend using it.
I love mypoints.com, as it's a nice way to earn a little extra spending money. However, I agree with a few others people who have reviewed this card. The rewards aren't very appealing. I really don't see why so many people love this credit card. Most of the merchant that offer the highest points are really pricey, so there really isn't anywhere I would use this card for higher points. I mean, why should I pay more for something just to get a few extra points, that's illogical. It's great that they offer rewards with this card, but the rewards aren't very good when compared to other credit cards out there. Soif you are using this to gain higher points, it doesn't make very much sense. Available Rates This card didn't offer me as good of a credit line as other cards. Also the interest rate seemed a little high for someone like me that has excellent credit. I just don't see the same benefits with this card compared to the other credit cards I own.
When I was offered the opportunity to use Thank you points I jumped at it. I travel a lot so using my debit card was a must. I was able to acquire many points very quickly because of this. I received points for every purchase, though I did receive more for credit card transactions than for transactions where the pin was needed but not using the pin was easy to get around. Customer Service To get cash back and or to make small and steady payments to my student loans was nice. The challenge arose when they would take two weeks to process the payment and then if I wanted the money they would mail a check so that could take another 5-14 working days to receive the money via mail. Available Rates The rates were acceptable but it did take a lot of points to acquire the items that were desired. They were open to making any dream work with points you just have to have the patience to sit there and present exactly what you want, where, and how you want to go about the dream situation.
Thousand Oaks, CA
This is one of those credit cards I came across after finding the website. When you sign up for www.mypoints.com they send you emails with surveys, click thru ads, promotional items to purchase for points. Once you begin accumulating points you can use those points for Gift Cards. I love this program because the points add up quickly and 90% of the time all I do is click thru an email and I automatically get 5 points. Signing up for the credit card just allows you to gain points with every purchase you make. When you make purchases on the website you earn more points. It's a standard credit card with a standard APR. Customer service is good. Never had a problem when I have called in. Website is easy to use to check your monthly statement and pay your bill. This is a great card to have if you like Gift Cards. I love earning my points and saving them up til I have a birthday or Holidays come around and I need gifts. I receive my Gift Cards very quickly. Usually states 2 weeks but I don't think I have ever waited that long to receive anything. I also like that they have a large selection of Gift Cards to choose from. One of my favorite cards to have in my wallet.
MyPoints Rewards Visa Card is a wonderful card to have in your wallet. You will earn points for every dollar that you spend on this credit card. It is accepted at all stores and web sites. The interest rate is very reasonable and if you pay the entire balance on your card each month, no interest will accrue! Customer Service The Customer Service department at MyPoints Rewards Visa is very good. Their department is very helpful and can answer your questions promptly. I have never been transferred or had to talk to a department supervisor to resolve problems that I may have had! Available Rates Available rates on the MyPoints Rewards are a little high compared to other credit cards out on the market today. Be careful when you use this credit card and if you charge a high balance on this card, be sure that you can pay more than the minimum payment required to lower the interest rate charge.
The Colony, TX
It's a good card as long as your a member of mypoints. However if you have problems with your mypoints account you can't convert the points for other programs. They also won't let you switch to another rewards program. You have to cancel the card and reapply for a new card.