These credit cards are not the cream of the crop since they give no rewards, no perks, and are very expensive. They are not the American credit cards you want to gravitate towards

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Many credit cards have great benefits, but you need to steer clear of these American credit cards if you don’t want your credit score to lose its stark. Here are the five not-so-favourite American credit cards. 

Marathon Platinum Rewards Credit Card: 

There are many limitations with this American credit card; even though it is a gas company credit card, the savings don’t add up to your expectations. The gas savings you make from this card is about $300, which is nearly not as much. Also, the APR might not be as much as other mentioned American credit cards, but it is still high, about 26%, going up to 29% if you miss a monthly credit payment. 

UBS Preferred Visa Signature Card: 

This American credit card is targeted at business travelers, and the reward perks are not very attractive. This card doesn’t give a reasonable waver off, and an annual fee of approximately $500 is too obnoxious. The balance transfer fee is also high, going up about 3%, which is not suitable. 

Surge MasterCard: 

The main problem with the Surge MasterCard is the high APR it has, almost 30%, which is not ideal for people with low-paying jobs and just building their credit score. This American credit card also has a high monthly fee, going up to $100, which is the highest among the lot. 

Total Visa Credit Card:

If you are looking to waste $300 over the next two years to keep your credit in your digital wallet, then the Total Visa Credit card will meet all of your financial nightmares. The APR is very high, about 35%, and it has a one-time program fee of almost $90. Not to mention the first-month fee is $75 and then going down to $48 per month. So, if you do the math, it totals up to $300 over 24 months. So, this card doesn’t meet your financial expectations as it claims so. 

First Digital MasterCard: 

No one likes a credit card that has hidden terms when applying for it. This American credit card is a big no-no, considering its hidden application policies and suiting a hefty APR of almost 36%. Furthermore, this is a bad deal to go for since its program deals are very expensive, going up to $95 as a start, the annual fee being $75 for the first year and then bumping down to $48 per month afterwards. Not to mention, it has no attractive awards and perks on purchases. The only good thing about this card is that it can be used internationally, but then again, most cards can. 

There you have it! These credit cards are not the cream of the crop since they give no rewards, no perks, and are very expensive. They are not the American credit cards you want to gravitate towards

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