My Cards Archive - Intuit Credit Karma https://www.creditkarma.com/credit-cards/insights Free Credit Score & Free Credit Reports With Monitoring Fri, 24 Jan 2025 21:13:47 +0000 en-US hourly 1 https://wordpress.org/?v=6.6.2 138066937 Chase Freedom Rise Credit Card https://www.creditkarma.com/credit-cards/insights/chase-freedom-rise-credit-card Fri, 24 Jan 2025 21:13:44 +0000 https://www.creditkarma.com/?post_type=ck-mycards&p=4086017 Chase Freedom Rise Credit Card_7b9776

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  3. Chase Freedom Rise Credit Card

Chase Freedom Rise Credit Card

Updated:

0

reviews

 

Rating: out of 5.

Annual Fee: $0

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Here’s the average credit limit of members who matched their Chase Freedom Rise Credit Card or similar cards.

% of members by credit limit range

$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 50% 60% 70% 80% 79% 10% 6% 3% 2%
$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 50% 60% 70% 80% 79% 10% 6% 3% 2%
$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 50% 60% 70% 80% 79% 10% 6% 3% 2%

The average credit limit for members who have matched with this card or similar cards is $2,768, with $500 being the most common.

Here’s the average credit score of members who matched their Chase Freedom Rise Credit Card or similar cards.

% of members by credit score range

Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 50% 60% 70% 4% 13% 18% 62% 4%
Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 50% 60% 70% 4% 13% 18% 62% 4%
Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 50% 60% 70% 4% 13% 18% 62% 4%

The average credit score for members who have matched with this card or similar cards is 679, with 723 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

Member stats

Updated daily

29.1%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

31 years

Average age of members who matched this card or similar cards.

$63,578

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

]]> 4086017 Verizon Visa Card https://www.creditkarma.com/credit-cards/insights/verizon-visa-card Fri, 24 Jan 2025 21:07:43 +0000 https://www.creditkarma.com/?post_type=ck-mycards&p=4085389 verizon-visa-card_1d2b81

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  3. Verizon Visa Card

Verizon Visa Card

Updated:

0 reviews from Intuit Credit Karma members

 

Rating: out of 5.

Annual Fee: $N/A

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Here’s the average credit limit of members who matched their Verizon Visa Card or similar cards.

% of members by credit limit range

$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 28% 20% 40% 11% 1%
$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 28% 20% 40% 11% 1%
$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 28% 20% 40% 11% 1%

The average credit limit for members who have matched with this card or similar cards is $6,074, with $10,000 being the most common.

Here’s the average credit score of members who matched their Verizon Visa Card or similar cards.

% of members by credit score range

Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 50% 3% 15% 16% 41% 25%
Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 50% 3% 15% 16% 41% 25%
Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 50% 3% 15% 16% 41% 25%

The average credit score for members who have matched with this card or similar cards is 704, with 817 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

Member stats

Updated daily

29.6%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

51 years

Average age of members who matched this card or similar cards.

$98,267

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

]]> 4085389 My Best Buy Visa Card https://www.creditkarma.com/credit-cards/insights/my-best-buy-visa-card Fri, 24 Jan 2025 21:01:22 +0000 https://www.creditkarma.com/?post_type=ck-mycards&p=4085032 My-Best-Buy-Visa_c9cfb1

  1. Credit Cards
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  3. My Best Buy Visa Card

My Best Buy Visa Card

Updated:

219

reviews

2.2

Rating: 2.2 out of 5.

Annual Fee: $0

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Here’s the average credit limit of members who matched their My Best Buy Visa Card or similar cards.

% of members by credit limit range

$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 50% 47% 32% 17% 4% 0%
$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 50% 47% 32% 17% 4% 0%
$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 50% 47% 32% 17% 4% 0%

The average credit limit for members who have matched with this card or similar cards is $3,912, with $4,000 being the most common.

Here’s the average credit score of members who matched their My Best Buy Visa Card or similar cards.

% of members by credit score range

Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 8% 17% 17% 40% 18%
Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 8% 17% 17% 40% 18%
Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 8% 17% 17% 40% 18%

The average credit score for members who have matched with this card or similar cards is 691, with 809 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

Member stats

Updated daily

35.8%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

46 years

Average age of members who matched this card or similar cards.

$94,329

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Member reviews

Overall rating:

2.2

Rating: 2.2 out of 5.

219

reviews

Most helpful positive review

October 20, 2016

5

Rating: 5 out of 5.

Good. Just don't carry a balance

— Credit Karma Member

Approved with a 675 credit score. $2000 credit limit. I currently have 7 other credit cards with a total of $20,250 in available credit. I filed for bankruptcy in 2012. No complaints so far

Most helpful negative review

October 24, 2022

1

Rating: 1 out of 5.

The Worst dont do it

— Credit Karma Member

First off you can not talk to customer service in english and if you can not receive a text then they can not verify you thus you can not log in to see your account or make payments

All member reviews

]]> 4085032 Cabela’s CLUB Card https://www.creditkarma.com/credit-cards/insights/cabelas-club-card Fri, 24 Jan 2025 18:12:54 +0000 https://www.creditkarma.com/?post_type=ck-mycards&p=4085417 Cabelas-CLUB-Credit-Card

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  3. Cabela’s CLUB Card

Cabela’s CLUB Card

Updated:

0

reviews

 

Rating: out of 5.

Annual Fee: $0

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Here’s the average credit limit of members who matched their Cabela’s CLUB Card or similar cards.

% of members by credit limit range

$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 38% 15% 24% 18% 5%
$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 38% 15% 24% 18% 5%
$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 38% 15% 24% 18% 5%

The average credit limit for members who have matched with this card or similar cards is $6,775, with $300 being the most common.

Here’s the average credit score of members who matched their Cabela’s CLUB Card or similar cards.

% of members by credit score range

Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 50% 41% 12% 11% 23% 13%
Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 50% 41% 12% 11% 23% 13%
Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 50% 41% 12% 11% 23% 13%

The average credit score for members who have matched with this card or similar cards is 688, with 815 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

Member stats

Updated daily

36.4%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

51 years

Average age of members who matched this card or similar cards.

$84,836

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

]]> 4085417 Carter’s Credit Card https://www.creditkarma.com/credit-cards/insights/carters-credit-card Fri, 24 Jan 2025 18:08:46 +0000 https://www.creditkarma.com/?post_type=ck-mycards&p=4085369 carterscreditcard

  1. Credit Cards
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  3. Carter’s Credit Card

Carter’s Credit Card

Updated:

0

reviews

 

Rating: out of 5.

Annual Fee: $0

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Here’s the average credit limit of members who matched their Carter’s Credit Card or similar cards.

% of members by credit limit range

$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% 100% 0% 0% 0% 0%
$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% 100% 0% 0% 0% 0%
$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% 100% 0% 0% 0% 0%

The average credit limit for members who have matched with this card or similar cards is $720, with $1,000 being the most common.

Here’s the average credit score of members who matched their Carter’s Credit Card or similar cards.

% of members by credit score range

Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 5% 28% 20% 34% 13%
Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 5% 28% 20% 34% 13%
Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 5% 28% 20% 34% 13%

The average credit score for members who have matched with this card or similar cards is 661, with 645 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

Member stats

Updated daily

41.1%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

45 years

Average age of members who matched this card or similar cards.

$84,916

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

]]> 4085369 Victoria’s Secret Credit Card https://www.creditkarma.com/credit-cards/insights/victorias-secret-credit-card Fri, 24 Jan 2025 18:02:52 +0000 https://www.creditkarma.com/?post_type=ck-mycards&p=4085135 victoria-s-secret-angel-card_73dcbd

  1. Credit Cards
  2. Insights
  3. Victoria’s Secret Credit Card

Victoria’s Secret Credit Card

Updated:

379 reviews from Intuit Credit Karma members

3.2

Rating: 3.2 out of 5.

Annual Fee: $N/A

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Here’s the average credit limit of members who matched their Victoria’s Secret Credit Card or similar cards.

% of members by credit limit range

$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 90% 5% 4% 0% 0%
$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 90% 5% 4% 0% 0%
$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 90% 5% 4% 0% 0%

The average credit limit for members who have matched with this card or similar cards is $1,225, with $750 being the most common.

Here’s the average credit score of members who matched their Victoria’s Secret Credit Card or similar cards.

% of members by credit score range

Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 10% 29% 19% 31% 11%
Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 10% 29% 19% 31% 11%
Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 10% 29% 19% 31% 11%

The average credit score for members who have matched with this card or similar cards is 656, with 645 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

Member stats

Updated daily

42.5%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

43 years

Average age of members who matched this card or similar cards.

$83,732

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Member reviews

Overall rating:

3.2

Rating: 3.2 out of 5.

379 reviews from Intuit Credit Karma members

Most helpful positive review

February 14, 2013

5

Rating: 5 out of 5.

approved

— Credit Karma Member

I am happy with thsi card, I was approved with a CK score of 535.?

Most helpful negative review

November 26, 2022

1

Rating: 1 out of 5.

Horrible, stay away!

— Credit Karma Member

This card may seem really sweet for young women who are new to credit cards, but this shi will mess you up! Do. Not. Apply. They will tangle you in an “account assure” fee every single month. There is NO option for auto pay. You have to go to their stank website every month just to pay it! Not only that, but if you’re even a minute late from 5pm you bet they’re hitting you with a $37 late fee. Rewards are not worth it, and you have to spend a certain amount each year to be considered a gold member? Please avoid this card, I don’t see any reasons for this card. The only worthwhile reason for getting this card is the fact you can use it at bath and body works (in the store only).

All member reviews

]]> 4085135 Chase Sapphire Reserve® review: One of the most valuable travel rewards cards https://www.creditkarma.com/credit-cards/insights/chase-sapphire-reserve Fri, 24 Jan 2025 17:20:06 +0000 https://www.creditkarma.com/?post_type=ck-mycards&p=4071542 image_7da5cd

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  3. Chase Sapphire Reserve® review: One of the most valuable travel rewards cards

Chase Sapphire Reserve® review: One of the most valuable travel rewards cards

Updated:

image_7da5cdImage: image_7da5cd

213

reviews

4.2

Rating: 4.2 out of 5.

Editors’ take: The Chase Sapphire Reserve® is a top-tier travel rewards card offering extensive perks like a generous travel credit and access to airport lounges around the world. Its high annual fee makes it best for those who travel frequently enough to maximize its benefits.

Great for maximizing flexible travel

Annual Fee: $550

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Here’s the average credit limit of members who matched their Chase Sapphire Reserve® or similar cards.

% of members by credit limit range

$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 13% 10% 20% 29% 29%
$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 13% 10% 20% 29% 29%
$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 13% 10% 20% 29% 29%

The average credit limit for members who have matched with this card or similar cards is $15,436, with $5,000 being the most common.

Here’s the average credit score of members who matched their Chase Sapphire Reserve® or similar cards.

% of members by credit score range

Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 50% 2% 14% 14% 44% 26%
Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 50% 2% 14% 14% 44% 26%
Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 50% 2% 14% 14% 44% 26%

The average credit score for members who have matched with this card or similar cards is 711, with 810 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

Member stats

Updated daily

26.7%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

42 years

Average age of members who matched this card or similar cards.

$105,265

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Pros and cons

yesImage: yes

Big sign-up bonus

yesImage: yes

Flexible travel credit

yesImage: yes

Competitive travel and dining rewards


ConImage: Con

High annual fee

ConImage: Con

Bonus rewards rate on travel only kicks in after travel credit has been used

Chase Sapphire Reserve® review

Updated January 17, 2025

This date may not reflect recent changes in individual terms.

Written by: Tim Devaney

Is the Chase Sapphire Reserve® worth it?

The Chase Sapphire Reserve® is geared toward frequent travelers who want to be pampered with points and perks that make trips more rewarding.

But the high annual fee means you’ll want to consider just how much value you’ll get from all its perks. 

To get the most benefit from the Chase Sapphire Reserve®, you’ll want to take advantage of the travel and lifestyle credits, as well as the Priority Pass Select membership and application credits for programs like TSA Precheck® that will shorten your time at airport security.

Chase Sapphire Reserve® at a glance

  • Annual fee: $550
  • Sign-up bonus: 60,000 bonus points after you spend $4,000 on purchases during the first 3 months after opening the account
  • Estimated welcome bonus value: Up to $1,278 
  • Standout benefit: $300 annual travel credit
  • Standout rewards rate: 5 points per $1 spent on flights purchased through Chase Travel℠ (after annual travel credit is earned)

Chase Sapphire Reserve® best perks and features

Valuable sign-up bonus

You’ll earn 60,000 bonus points when you spend $4,000 on purchases during the first 3 months after opening the account.

When redeemed toward travel through the Chase Travel℠ portal, that sign-up bonus is worth $900. But if you transfer your sign-up bonus points to one of Chase’s travel partners, they could be worth even more — our editors estimate up to $1,278.

$300 travel credit

The Chase Sapphire Reserve® features a flexible travel credit of up to $300 that you can use each card anniversary year to pay for flights, hotels, and other eligible travel expenses.

The benefit is applied automatically as a statement credit, so you don’t have to apply for reimbursement. If you travel regularly, this credit alone creates substantial value toward justifying the card’s annual fee.

Competitive travel and dining rewards

The Chase Sapphire Reserve® offers strong reward for travel and dining. After reaching your $300 travel statement credit, you’ll earn:

  • 10 points per $1 spent on eligible hotels and car rentals purchased through Chase Travel℠
  • 10 points per $1 spent on Chase Dining purchases
  • 5 points per $1 spent on flights purchased through Chase Travel℠

Plus:

  • 3 points for every $1 spent on travel purchases not booked through Chase
  • 3 points per $1 spent on dining purchases
  • 1 point per $1 spent on other eligible purchases

You’ll also receive a complimentary DashPass membership valid for at least 12 months when you activate by Dec. 31, 2027. With DashPass, your delivery fee is waived on eligible orders that meet spending requirements. And you’ll get a $10 discount each calendar month on two eligible non-restaurant orders on DoorDash.

Perks to smooth your travels

The Chase Sapphire Reserve® comes with a complimentary Priority Pass Select membership after one-time enrollment. This perk gives you and up to two guests access to more than 1,300 airport lounges around the world where you can relax while you’re waiting for your flight.

You’ll also get an application fee credit worth up to $100 every four years for Global Entry, NEXUS or TSA Precheck®. Those are perks we’d expect from a luxury travel card like the Chase Sapphire Reserve®.

The Chase Sapphire Reserve® offers a full slate of travel insurance.

This includes coverage for trip delay, trip cancellation, lost luggage and emergency evacuation if you’re injured during your vacation.

What are the drawbacks of the Chase Sapphire Reserve®?

High annual fee

The card’s $550 annual fee can be a tough pill to swallow. However, the flexible travel credit of up to $300 can help offset this cost, bringing the effective annual fee down to a more manageable number.

Bonus rewards rate on travel only kicks in after travel credit has been used

The three points per $1 spent on travel purchases only apply after you’ve used the $300 travel statement credit. This means you need to spend more to start earning the higher rewards rate.

How to redeem for Chase Ultimate Rewards points 

The Chase Sapphire Reserve® offers some of the most valuable points on the market. Your points are worth 1.5 cents each when you factor in the 50% bonus you receive for redeeming for travel through Chase Travel℠.

You can also transfer your points 1-to-1 to several popular airline and hotel partners, where you might get more bang for your buck.

Other cards to consider

Credit Karma’s methodology

Credit Karma uses qualitative and quantitative measures to review travel and premium credit cards. Our goal is to help you understand a card’s most useful features — and where it may fall short compared to other options.

We take into account factors such as unique rewards and benefits, ease of redeeming rewards, fees and rates, transfer partners, lounge access and rewards rates.

Credit Karma editors have also built some proprietary metrics to measure the value of rewards credit cards.

Our point valuations estimate how much rewards programs are worth. We look at both the value you could get by redeeming your points directly through a credit card issuer, as well as the value you could get by transferring your points and miles to an airline or hotel rewards program.

Instead of just telling you how many miles you could earn, the editors’ estimated bonus value multiplies the sign-up bonus by the reward program’s point valuations to tell you how much we believe they’re worth.

Our goal is that these metrics will help you decide whether the card’s rewards and benefits are worth it for you.

FAQs about the Chase Sapphire Reserve®

Is the Chase Sapphire Reserve® hard to get?

The large majority Credit Karma members who report having the Chase Sapphire Reserve® or similar cards have good or excellent credit. Keep in mind that your credit score is just one of the deciding factors when it comes to getting approved.

What is the credit limit for the Chase Sapphire Reserve®?

Most Credit Karma members who report having the Chase Sapphire Reserve® or similar cards, have credit limits of $10,000 or higher. But keep in mind that lower credit limits are also common.

Should I apply for the Chase Sapphire Reserve®

The Chase Sapphire Reserve® is ideal for frequent travelers. You’ll earn points and perks that make your trip more rewarding. 

The card also earns good rewards for dining purchases. Before you apply, consider whether you want to commit to the high annual fee and if you’ll end up earning enough credits and points to offset the fee.

Member reviews

Overall rating:

4.2

Rating: 4.2 out of 5.

213

reviews

Most helpful positive review

February 13, 2024

5

Rating: 5 out of 5.

Instant approval with good CK odds

— Credit Karma Member

CK 755 range Fico 722 instantly approved for 20k. Looking forward to the perks.

Most helpful negative review

November 18, 2023

1

Rating: 1 out of 5.

Terrible customer service for a huge annual fee.

— Credit Karma Member

Chase Sapphire Reserve: The worst customer service imaginable for a $550 annual fee. I’ve used the Chase travel app twice now for travel and both times it was a nightmare. 1. Their customer service line for travel assistance didn’t have an international calling option and 2. Due to some glitch, I wasn’t able to select options on the menu. 3. Despise being our travel booking agent, they offered no options and no possible solutions to help us rebook our cancelled flights. 4. They said they would not honor the trip insurance or any refund of out of pocket expenses because the flight was cancelled due to staffing shortages (currently the most common reason for cancellations). For one of the most expensive travel cards on the market, I expected a lot more. But at minimum, I expected them to at least honor the tickets we paid for. Truly shameful.

All member reviews

]]> 4071542 Sam’s Club Mastercard https://www.creditkarma.com/credit-cards/insights/sams-club-mastercard Fri, 24 Jan 2025 17:10:52 +0000 https://www.creditkarma.com/?post_type=ck-mycards&p=4085048 Sams-Club®-Mastercard®_b769cf

  1. Credit Cards
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  3. Sam’s Club Mastercard

Sam’s Club Mastercard

Updated:

102 reviews from Intuit Credit Karma members

1.9

Rating: 1.9 out of 5.

Annual Fee: $N/A

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Here’s the average credit limit of members who matched their Sam’s Club Mastercard or similar cards.

% of members by credit limit range

$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 50% 60% 70% 80% 76% 10% 12% 2% 0%
$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 50% 60% 70% 80% 76% 10% 12% 2% 0%
$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 50% 60% 70% 80% 76% 10% 12% 2% 0%

The average credit limit for members who have matched with this card or similar cards is $2,508, with $1,000 being the most common.

Here’s the average credit score of members who matched their Sam’s Club Mastercard or similar cards.

% of members by credit score range

Thin file Poor Fair Good Excellent 0% 10% 20% 30% 9% 30% 24% 28% 9%
Thin file Poor Fair Good Excellent 0% 10% 20% 30% 9% 30% 24% 28% 9%
Thin file Poor Fair Good Excellent 0% 10% 20% 30% 9% 30% 24% 28% 9%

The average credit score for members who have matched with this card or similar cards is 648, with 631 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

Member stats

Updated daily

47.2%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

53 years

Average age of members who matched this card or similar cards.

$81,321

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Member reviews

Overall rating:

1.9

Rating: 1.9 out of 5.

102 reviews from Intuit Credit Karma members

Most helpful positive review

February 21, 2016

4

Rating: 4 out of 5.

So far so good, I'm happy with it

— Credit Karma Member

Unless I'm just confused and have a different card, I don't understand the negative reviews here. I have the Sam's Club Mastercard which I got after getting the Sam's Plus membership. So far it has been excellent and I haven't experienced any of the issues other users have. 1. I got a $1,500 credit limit with NO HARD PULL. I have no idea why, I was in disbelief myself. I wasn't even after a credit card that day and I made the rep all but sign in blood that applying for the card wouldn't be an inquery. It's been 4 months and I seriously don't have any new inqueries on my reports. 2. The online portal works fine. It looks like it was designed in 1995 and has a few minor issues (Payments default to the first of the next month, if you're making an early payment pay attention to the little calendar pop-up) but nothing serious enough to heavily criticize. 3. So far none of my payments has been messed up, counted as late or anything like that. I don't use the card as if it were extra money though; I only use it when I actually have the money I'm spending with it. Basically I just treat the card as if it were a 1% discount on everything, 3% for food and 5% for gas. Maybe that's the key difference; people complaining are using their card irresponsibly. If your income doesn't change from month to month, you have no reason to abuse a credit card and treat it like extra cash. If you couldn't afford that stuff this month, how will you afford it next month?! 4. After about 4 months of service my credit limit has increased to $2,000 and I didn't even ask (that I can remember). My score isn't even that great yet; FICO is in the 650's and Vantage scores are all in the 640's. I don't know why I'm having such a positive experience with this card and others aren't. My guess is that people just don't use credit cards responsibly or maybe I have a different card and I'm just confused. It's not a business card that I know of, I log-in through the "Consumer Credit Account" portal, not the business one. I only detracted one star because the web interface is fairly dated and their reporting date (maybe due to my billing cycle) is at an odd time of the month so balances on my card affect my scores longer than they should when I'm self-monitoring because it's out of sync with when Credit Karma and my other services pull their info.

Most helpful negative review

November 5, 2023

1

Rating: 1 out of 5.

The worst credit card

— Credit Karma Member

They changed my credit limit from 2500 to 250 imagine! With no reason No reasons they affected my credit score They have the worst customer service with no knowledge

All member reviews

]]> 4085048 Bloomingdale’s Credit Card https://www.creditkarma.com/credit-cards/insights/bloomingdales-credit-card Fri, 24 Jan 2025 17:04:05 +0000 https://www.creditkarma.com/?post_type=ck-mycards&p=4085072 Bloomingdales-Store-Card_81ca81

  1. Credit Cards
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  3. Bloomingdale’s Credit Card

Bloomingdale’s Credit Card

Updated:

19 reviews from Intuit Credit Karma members

2.7

Rating: 2.7 out of 5.

Annual Fee: $N/A

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Here’s the average credit limit of members who matched their Bloomingdale’s Credit Card or similar cards.

% of members by credit limit range

$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 50% 60% 70% 80% 76% 10% 8% 5% 0%
$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 50% 60% 70% 80% 76% 10% 8% 5% 0%
$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 50% 60% 70% 80% 76% 10% 8% 5% 0%

The average credit limit for members who have matched with this card or similar cards is $2,620, with $1,000 being the most common.

Here’s the average credit score of members who matched their Bloomingdale’s Credit Card or similar cards.

% of members by credit score range

Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 9% 21% 15% 32% 23%
Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 9% 21% 15% 32% 23%
Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 9% 21% 15% 32% 23%

The average credit score for members who have matched with this card or similar cards is 691, with 821 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

Member stats

Updated daily

32.8%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

51 years

Average age of members who matched this card or similar cards.

$111,834

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Member reviews

Overall rating:

2.7

Rating: 2.7 out of 5.

19 reviews from Intuit Credit Karma members

Most helpful positive review

February 17, 2013

5

Rating: 5 out of 5.

Approved

— Credit Karma Member

Applied online. $500 CL. CK score 656... After speaking with a credit representative that same day, they triple the CL. Now It's $1,500. Very nice merchandise, a lot of famous designers, great online website... Of course the interest is high, but for us, the credit re builders, we look beyond that...We look the big picture.

Most helpful negative review

July 8, 2023

1

Rating: 1 out of 5.

Worst card and worst service, it's a SCAM

— Credit Karma Member

It's a SCAM to sell more credit card to customers by showing Bloomingdales 20% (max $250) today and tomorrow discount. Here is the math:- To get maximum 20% discount i.e. $250 you need to spend atleast $1250 using your approved card. But they will put your application under processing (in case of my spouse with great credit history) or won't approve it more more than $500 (for my case). They gave the card of $500 which is nothing given my credit history is great and none of my card is having this less limit. I wanted to purchase an item which was more that $500, so I was willing to pay $500 from Bloomingdales credit card and pending amount using other card. But NO Bloomingdales can't accept two cards on a order. What a Joke !! What you want us to purchase from Bloomingdales site with this limit? PEANUTS !! Do you even sell peanuts on your site 😀 So better to stay away from this card if you don't want un-necessary credit checks on your records. It's a review just after an hour of getting it approved. I a going to cancel it.

All member reviews

]]> 4085072 Dillard’s Credit Card https://www.creditkarma.com/credit-cards/insights/dillards-credit-card Fri, 24 Jan 2025 16:56:16 +0000 https://www.creditkarma.com/?post_type=ck-mycards&p=4085068 Dillards-Store-Card_77523a

  1. Credit Cards
  2. Insights
  3. Dillard’s Credit Card

Dillard’s Credit Card

Updated:

21 reviews from Intuit Credit Karma members

2.6

Rating: 2.6 out of 5.

Annual Fee: $N/A

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Here’s the average credit limit of members who matched their Dillard’s Credit Card or similar cards.

% of members by credit limit range

$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 50% 60% 70% 80% 74% 17% 8% 0% 0%
$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 50% 60% 70% 80% 74% 17% 8% 0% 0%
$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 50% 60% 70% 80% 74% 17% 8% 0% 0%

The average credit limit for members who have matched with this card or similar cards is $2,219, with $1,000 being the most common.

Here’s the average credit score of members who matched their Dillard’s Credit Card or similar cards.

% of members by credit score range

Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 1% 20% 19% 39% 22%
Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 1% 20% 19% 39% 22%
Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 1% 20% 19% 39% 22%

The average credit score for members who have matched with this card or similar cards is 689, with 824 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

Member stats

Updated daily

33.1%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

53 years

Average age of members who matched this card or similar cards.

$92,806

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Member reviews

Overall rating:

2.6

Rating: 2.6 out of 5.

21 reviews from Intuit Credit Karma members

Most helpful positive review

October 20, 2015

5

Rating: 5 out of 5.

Great card for the Dillard's shopper

— Credit Karma Member

I have this card and it is great. Customer service has been excellent recently and perks are very nice. I mainly shop their sales and am frequently receiving 10% off all-day shopping passes that have NO RESTRICTIONS. I love saving money on make-up and pricey shoes, and it's nice to "double dip" on additional %age off sale days. Preview days for cardholders are ALWAYS awesome. By the way, bill pay is quite a lot easier than other major retailers that I have cards with.

Most helpful negative review

December 21, 2016

1

Rating: 1 out of 5.

High interest, low rewards

— Credit Karma Member

Please get a Discover card instead. I got laid off and Dillard's was flat out cold. Discover sent me a $100 gift card as a thank you for being a customer on top of one year interest free.

All member reviews

]]> 4085068 TOTAL Visa® https://www.creditkarma.com/credit-cards/insights/total-visa Fri, 24 Jan 2025 16:45:49 +0000 https://www.creditkarma.com/?post_type=ck-mycards&p=4085516 total-visa-card_f90403

This offer is no longer available on our site: Total Visa® Credit Card

  1. Credit Cards
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  3. TOTAL Visa®

TOTAL Visa®

Updated:

151 reviews from Intuit Credit Karma members

1.9

Rating: 1.9 out of 5.

Great for building your credit history

Annual Fee: $48

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Here’s the average credit limit of members who matched their TOTAL Visa Card or similar cards.

% of members by credit limit range

$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% 99% 1% 0% 0% 0%
$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% 99% 1% 0% 0% 0%
$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% 99% 1% 0% 0% 0%

The average credit limit for members who have matched with this card or similar cards is $470, with $300 being the most common.

Here’s the average credit score of members who matched their TOTAL Visa Card or similar cards.

% of members by credit score range

Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 1% 82% 12% 5% 0%
Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 1% 82% 12% 5% 0%
Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 1% 82% 12% 5% 0%

The average credit score for members who have matched with this card or similar cards is 546, with 544 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

Member stats

Updated daily

32.5%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

53 years

Average age of members who matched this card or similar cards.

$86,320

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Member stats

Updated daily

64.5%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

48 years

Average age of members who matched this card or similar cards.

$74,651

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Member reviews

Overall rating:

1.9

Rating: 1.9 out of 5.

151 reviews from Intuit Credit Karma members

Most helpful positive review

April 6, 2016

5

Rating: 5 out of 5.

Card is for people with bad credit.

— Credit Karma Member

I don't quite understand why people are complaining about the initial fees being so high. This card is for people with bad credit, not people with average or good credit. What do you expect them to just take the risk? Part of the reason for the high fees is because of the high risk. If you are truely interested in repairing your credit report then this card is perfect. Yes it's expensive, and yes it's going to put out? by about 164.00 to get it. But for people with credit scores below 540, I would like for you to show me a single other bank that is willing to take the risk of giving you a credit card. Once the initial fees are paid this Card is just like any other card. If you pay the statement balance each month you will never have pay any interest. If you set up autopay and pay statement balance there's absalutely no other costs. If you don't pay the statement balance and chose to pay your minimum monthly payment of 37.00, your interest is not much different then other cards. They report to the credit agencys which is what I got the card for. Basically I pay about 300 a month for 300 of credit. The 300 is money I would have used anyways, only difference is, it's in the form of credit and to whole point of it, it goes on my credit report which has helped my credit considerably. ?

Most helpful negative review

February 23, 2023

1

Rating: 1 out of 5.

There is something so shady about this company

— Credit Karma Member

I can't put my finger on it, but this company is just so shady. The exorbitant fees, the crappy card design, the robotic customer service, the minimalist website. It all points to this company being a sham, a front for something more nefarious. I can't wait to close this card (I've tried once already and failed, will try again soon), and I wouldn't recommend them to my worst enemy.

All member reviews

]]> 4085516 eBay Mastercard https://www.creditkarma.com/credit-cards/insights/ebay-mastercard Fri, 24 Jan 2025 15:45:36 +0000 https://www.creditkarma.com/?post_type=ck-mycards&p=4085413 eBay-Mastercard

  1. Credit Cards
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  3. eBay Mastercard

eBay Mastercard

Updated:

0 reviews from Intuit Credit Karma members

 

Rating: out of 5.

Annual Fee: $N/A

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Here’s the average credit limit of members who matched their eBay Mastercard or similar cards.

% of members by credit limit range

$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 50% 60% 70% 69% 10% 18% 4% 0%
$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 50% 60% 70% 69% 10% 18% 4% 0%
$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 50% 60% 70% 69% 10% 18% 4% 0%

The average credit limit for members who have matched with this card or similar cards is $2,890, with $1,024 being the most common.

Here’s the average credit score of members who matched their eBay Mastercard or similar cards.

% of members by credit score range

Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 7% 29% 20% 33% 11%
Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 7% 29% 20% 33% 11%
Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 7% 29% 20% 33% 11%

The average credit score for members who have matched with this card or similar cards is 656, with 598 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

Member stats

Updated daily

38.8%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

52 years

Average age of members who matched this card or similar cards.

$88,664

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

]]> 4085413