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The Discover it is the best credit card if you look at the whole picture. While at first glance the Wells Fargo Cash Wise Visa credit card seems like the best, you have to take everything into account. The Discover it card has a fixed APR at 11.49 percent while the Wells Fargo card has a varying APR. While doing calculations the Wells Fargo looked the best because it cost the least per month this is using the 0 percent APR with is for the first 12 months and then it goes up to 13.49 percent at least. The Discover it card has a 0 percent APR for the first 14 months and then is 11.49 percent which is better than the Wells Fargo card. The Discover it card also has no over the limit fee while the Wells Fargo card has a fee of at least $12.50. Both cards have a $37 dollar late fee, but the Discover it card waives this fee the first time you are late. The Discover it card has only a 3 percent transaction fee while the Wells Fargo card can go up to 5 percent. The Citi Simplicity card overall was not the best choice and did not even compete with the other two cards. Overall, the Discover it card is the best choice for a credit card.

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Average Daily Balance on Citi Simplicity MasterCard

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Average Daily Balance on Citi Simplicity MasterCard

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Interest rate: $9.53
Balance due June 1st: $954.53
Minimum monthly payment: $27

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Average Daily Balance on Discover it credit card

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Average Daily Balance on Discover it credit card

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- At 11.49% APR
- Interest: $8.15
- Balance due June 1: $953.15
- Minimum monthly payment: $27

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Average Daily Balance on Wells Fargo Cash Wise Visa credit card

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Average Daily Balance on Wells Fargo Cash Wise Visa credit card

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- At 0% APR (1st 12 mo.): $850.81
- At 13.49% APR: $860.32

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Owning a credit card has many advantages and disadvantages to them. One of the basic advantages of owning a credit card is the fact that there is no need to keep any cash on you. No need to be searching for the nearest ATM to get out cash, all you need is to wipe your simple credit card.Secondly, a credit company keeps track of your expenses. There is no wonder where that 20 dollars you swore you had in your wallet disappear to. It's all written out on a statement when you receive your bill. Credit companies sometimes also have perks when you use them. For example Frequent flier miles discount. These are called  Incentive programs based on the amount of purchases you make. When using a credit card you establish credit. Credit is essential if a person wants to buy a car, get a loan, buy a house etc.. These companies look to see your credit score, which you gain from frequently using your credit card. Another advantage is that your money is safe with credit cards. Let's say someone gets ahold of your credit card and uses it to buy items at a store. You then realize later down the road that your credit card was used for something you did not buy. You can talk to your credit company and they can help handle the problem and you may not need to pay for the fee. Unlike if your cash was stolen, there is no way for that money to be returned. As there are advantages, there lies disadvantages. This includes that it is easy to over spend due to revolving credit.  This can make a person get way above their head in fees.  Also, If you miss a payment, your fees dramatically go up and this can is some ways easily destroy your credit score. Due to using a credit card there are interest rates, which means this 10 dollar product can shoot up to 15 dollars depending on the interest rate and how long you waited to pay. Credit card companies have a teaser rates, which may seem applicable in the beginning but as you use the card you can see a dramatic jump in your rates. In the end, its up to you to decide if the advantages outweigh the benefits and vise versa.

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- Varying APR.
- 0% APR during first 12 months.
- 13.49% APR - 25.49% APR after first 12 months.
- No annual fee.
- Late fee: up to $37
- Over-the-Limit fee: $12.50  to $20.
- Transaction fees: 3% - 5%
- Grace period: 25 days after billing period closes.
- Method to Compute Balance: "average daily balance."
- Rewards: earn 1.5% cash on almost everything.

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Abbie Gregory: Discover it Card
Sammi Shoufler: Citi Simplicity MasterCard
Heather Baum: Advantages and Disadvantages
Hannah Bertrand: Wells Fargo Credit Card

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-Fixed APR
-0% APR for first 21 mo.
-13.49 to 23.49% depending on credit score
-No annual fee
-No late fee ever
-No over the limit fee
-3% or $5 transaction fee depending on which is greater
-23 day grace period
-Computes balance using daily balance including new transactions
-Rewards: none
-3% foreign transaction fee

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- Fixed APR
- 0% APR for first 14 mo.
- 11.49% to 23.49% APR depending on credit score
- No annual fee
- No late fee first time
- Up to $37 late fee after first time
- No over the limit fee
- 3% of each transfer amount transaction fee
- 25 day grace period
- Computes balance using daily balance including new transactions
- Rewards: Cashback bonus
- Overnight Shipping
- Freeze it option