Which Credit Card Provider Barclay or Wells Fargo Has the Better Rewards card offer in 2018

Both the Barclay CashForward World Mastercard and Wells Fargo Cash Wise Visa have a few things in common. First of all, both cards offer a $200 signup bonus when you spend $1,000 in the first 3 months from the accounting opening.

With Wells Fargo Cash Wise Visa, you can redeem your rewards for cash, merchandise, travel statement and digital rewards when you have reached $25 in your rewards. Barclay CashForward World Mastercard allows you to redeem your rewards with statement credit, gift card and direct deposit into account. You can start redeeming the rewards when you have accumulated $50 worth of redemption in your account.

Both Wells Fargo Cash Wise Visa and Barclay CashForward World Mastercard don’t have any annual fee, provide 24/7 account protection and free FICO score access. Both charge a 3% ($5 minimum) balance transfer fee and 3% foreign transaction fee. Both cards feature chip card technology which makes it more secure to shop overseas.

Wells Fargo Cash Wise Visa has a zero percentage intro promo that last for 12 months for purchases and balance transfers. On the other hand, Barclay CashForward has a zero percentage intro promo that last for 15 months on purchases and balance transfers. You must transfer your balance in 45 days to take advantage of the zero percentage intro promo.

Wells Fargo Cash Wise Visa allows cardholders to earn 1.8% cash back when they shop via mobile app like Apple Pay, Android Pay, Samsung Pay and Wells Fargo Wallet in the first year of the account opening. Barclaycard Cash Forward World Mastercard, on the other hand, let you earn 5% cash bonus every time you redeem. For example, if you redeem $100 in cash rewards, you will earn a $5 cash rewards bonus.

Wells Fargo Cash Wise Visa offers cellphone protection for up to $600 in the event that your cell phone is damaged or stolen. It offers auto rental collision damage waiver for a car that you rent during your holiday trip. You must not accept the car rental company’s insurance if you want to get the coverage. They also offer emergency card replacement services and can quickly send you a replace card when you report your missing card. Barclaycard CashForward offers free travel assistance for 24/7 throughout the year in case you need help in getting to a destination during your trip in an overseas country.

In conclusion, Wells Fargo Cash Wise Visa card is designed for people who want to maximize their cash rewards in the first year. Barclaycard CashForward is the best for people whose goal is to maximize their savings. Barclaycard Cash Forward will only approve applicants with excellent credit score. Therefore, it is easier to get approved for Wells Fargo Cash Wise Visa card if you have a less than perfect credit score.

Which Balance Transfer Credit Card Has The Longest Zero Percent Offer For 2018

Citi Diamond Preferred card has a longest balance transfer intro offer in the market where the APR interest fee is waived for 21 months. The credit card is ideal for people who want to transfer a big balance and plan to pay it off in less than 2 years. Using Citi Diamond Preferred to consolidate your debt can help you to save thousands of dollars on the interest fee. It is also easier to plan your budget with the card because it does not have any annual fee.

You must complete the balance transfers in 4 months to take advantage of the zero percent promo. Although it has zero interest charges on the balance, it does charge a 3% or $5 minimum balance transfer fee. You can easily get approved for the card if you have good or excellent credit.
The interest fee that is charged after the intro promo is in the range of 14.24% – 24.24%, which is a bit higher than other cards. For excellent credit, other credit card usually charge interest rate around 13.89%. However, this downside can be overlooked by its 21 months long intro. If you can pay off your debt in 21 months, you don’t have to pay anymore interest fee.

The card also features a 12 months zero percent intro promo for purchases. After the zero percent intro promo end, you are charged with an interest that ranges from 14.24% – 24.24%. You can use Citi Diamond Preferred to make a big purchase and pay it off within 12 months to avoid the interest charges.

When you shop with Citi Diamond Preferred, you can enjoy extended manufacturer warranty. The card features $0 liability and can protect you from unauthorized charges. Citi Private Pass gives you the special privilege of purchasing presale tickets and VIP packages. You can set your own bill payment due date in the beginning, middle and end of the month. The card offers 24/7 concierge, which allows you to access a personalized concierge.

The credit limit for the Citi Diamond Preferred card will start from $500. Your income and existing debt will determine the credit limit for the credit card. Citi Diamond Preferred does not offer any reward program but it is not important since you are using the card to pay off your debt. The card is not suitable for you to bring along when you travel in the overseas because it has a 3% foreign transaction fee.

If you have an account in good standing, you will be automatically enrolled in the City Easy Deals portal. In City Easy Deals, you earn 1 point for every $10 you spend. Citi Bonus Cash Center features a network of around 400.

Visit TopCreditCards2018 for the best credit card offers in 2018, review cards from American Express, Chase, Bank of America and more. We’ll help you find great deals on cash back cards, travel credit cards, reward cards and more!