Highly rated Credit Cards in 2018

Credit cards are genuinely a path of life for numerous shoppers. They are so practical that they are slowly changing money as well as debit cards. A lot of cards offer attractive cash back advantages on your purchases. A lot of cards are now available without any yearly costs. If you remain in a search for the best credit card, this article can assist you to decide. This will assist you to find out more about all sorts of different deals and cards.

Review of Best Buy credit card.

Here is a brief description of Best Buy Credit Cards. Best buy offers two kinds of Credit Cards to choose from:

  • My Best Buy Credit Card: This card is only for Best Buy purchases, and you only get cash back on your purchases at Best Buy stores.
  • My Best Buy Visa Card: It gives you the same benefits on any Best Buy purchase, and you can also use it anywhere else where Visa cards are accepted.

These cards offer 2.5 points in rewards for every $1 spent or 5% cash back. When you collect 250 reward points on your card, you are eligible to get a reward certificate of $5 to spend at Best Buy. There is also an Elite version of the card. Elite Plus members get 3 reward points for spending $1 or 6% cash back. Elite Plus members are those customers who spend more than $3500 at Best Buy stores annually.

Highly rated Credit Cards in 2018

Chase card review.

Chase provides numerous credit cards with different cash back and reward programs. They provide both MasterCard and Visa credit cards. There are some cards that feature a cashback offer, with reward points while some come with no yearly charge. Some credit cards include an annual charge, however, they use much better deals and cost savings. To address the unique requirements of students, entrepreneurs and travellers, they have particular credit cards to optimize their advantages. You have a variety of options to ensure you get whatever you require most from your credit cards.

Lowe's card

Lowe’s card.

Lowe’s deals 2 type of credit cards. Initially, there is Lowe’s Advantage for going shopping solely at Lowe’s shops, gives a terrific money back, and versatile payment choices. Another one is Lowe’s Business Credit Cards which offers versatile repayment choices and visible discount rates to companies. Each of these credit cards has no annual charge. This card is mostly for big consumers that deal with big, regular purchases. If you are a regular at Lowe’s, either of these credit cards can help to save your time. And the best aspect is, it’s totally free!

CapitalOne card

CapitalOne card.

If you have the specific want and needs to earn unique rewards on your spending, you need to select CapitalOne credit cards. They have a lot of cards for different classification of users. Their cash back and reward offers are truly fantastic. Lots of CapitalOne credit cards have no annual charge, but some cards with additional benefits included a small annual fee. Here are a handful of the most preferred credit cards from CapitalOne:

  • Savor one Reward card – without any annual charge you can make the unlimited money back of 1% on all your purchases, 2% on purchases at a supermarket, and 3% on spending on eating in restaurants or entertainment.
  • Quicksilver Rewards card – it has no yearly charge and gives a cashback of 1.5% on all purchases. You likewise get a unique introductory offer while registering for it.
  • VentureOne Rewards – this one is the most popular card in the travel category. You can make unlimited 1.25 miles on all your orders.

Review of HiFX Money Transfers Provider

HiFX Review

Halewood International Foreign Exchange Limited, more commonly known as HiFX, is one of the pioneers in P2P money transfer business. The spotless record of their performance in the last 20 years has earned them a name that is trusted and valued by millions of customers. HiFX was founded by Shaun Taylor, Matthew Knowles, and Laurence Butcher in 1998. Their primary focus is offering a cheaper and more reliable means of international fund transfers. Their services has reached more than 170 countries, and they can make transactions in over 142 currencies. The company became a part of the prestigious Euronet Group in 2014. Apart from personal money transfers, they also serve many businesses and their unique needs. Their services are highly appreciated by the customers, earning them a score of 9.4 out of 10 on TrustPilot. This article is focused on the HiFX review and their services in order to give you a better view of the company.

How to transfer money with HiFX

It’s very simple to send money with HiFX. You can do it by signing up for their online account and submitting your details. But to get your account verified, you need to submit some proof of identity. Once the account is set up, you can send money by following these simple steps:

  •   Choose the nature of the transaction
  •   Select the currency and amount
  •   Fill in the details for the sender and the recipient
  •   Carefully fill in the bank details of the receiver and check once before submitting.
  •   Make a payment.

As soon as the payment is done your transfer is complete.

Is HiFX Safe?

HiFX has never given any reason to doubt the trust the market places in them. They belong to the prestigious Euronet Worldwide Group which is a well-known and reliable financial group with a clean background. Their customers have shown their trust and loyalty in HiFX through their reviews on Trustpilot. As much as 87% of the reviewers have rated them as “Excellent”. They place utmost importance on the safety of their customers’ money. This is why they keep customers’ funds in a separate account from the company’s own funds. They have also added an advanced encryption to their website to protect users’ details and their money. They are authorized and regulated by Her Majesty’s Revenue and Customs and the Federal Conduct Authority to process international fund transfers. Thousands of customers and businesses trust their money to HiFX due to these safety features.  

Is HiFX Safe?

How much will a transfer with HiFX cost you?

Where all major service providers are fighting to offer the lowest transfer fees, HiFX has zero transfer fees. They also offer very impressive exchange rates. But in the case of a payment made with a credit card, that fee would be applicable. It’s important to mention here that there are a few service providers who are offering better exchange rates than HiFX. Exchange rates play a major role when the money is converted and handed over to the recipient. Lower exchange rates will result in less money received by the recipient. HiFX has managed to become their customers’ favorite service by having zero fees. But without a better exchange rate, they won’t have the best deal for all exchanges. A little change in the exchange rate can affect the final amount substantially. In that case, even offering zero transfer fee will not make much of a difference to its potential customers.   

How is HiFX Better?

HiFX possesses certain qualities which, when bundled together, makes it an amazing service provider. It is a big organization with business in over 170 countries. Even though they have a large customer base, they manage to satisfy pretty much all of them. Their dedicated and friendly customer support ensures that all of your queries are resolved. They also have amazing speed; most of their transfers are finished in about one day!   In some difficult circumstances or for certain countries, the funds might take some a little more time to get delivered, about 3-4 business days. This is much faster than banks who can take up to 10 business days to process your transfer. They also provide very convenient modes of payments like credit cards, debit cards, or with a bank account.

Some Limitations of HiFX

It’s rather difficult to find flaws in HiFX, but I observed some limitations in their services. The most important one is their exchange rates. The rates they are offering now are okay, but there are other services that are providing better. Better rates would draw more customers to their business because the customers always want to spend less. HiFX is also limited in that they send all payments only to bank accounts. They don’t provide direct cash pick up from a local office like many other service providers.

The verdict

After my research, I can safely say that HiFX is one of the best in the international money business. It has more than the basic requirements, making it superior than the others. It saves you time, money, and is very user-friendly. Your money reaches its destination in just a couple of days. Most importantly, since they belong to a trusted group, you don’t have to worry about your funds not getting where they need to go. My final verdict on HiFX is that it has earned all the hype it has received, and you should definitely give it a try.

TransferWise review

When sending money abroad, I always look for ways to save a few dollars without compromising on delivery time. It’s important to compare different providers before making a decision, and TransferWise is one of many that claims to be the best money transfer service. So is it really the best?

About TransferWise

The business began in 2011 and expanded its operations to 60 countries in a very short time. It has gained a massive market share in record time, becoming a prominent name in the industry. And it’s no wonder; TransferWise has a great business model that has placed it among the industry leaders.

This leading fund transfer service was established by two Estonian nationals who were residing in London, named Taavet Hinrikus and Kristo Käärmann. It is an online-only service which can be accessed through its web page and mobile app. Anyone can use its services to make a personal or business transactions. It charges tiny fees if you compare them to banks and other providers. Also, TransferWise has a very transparent fee structure that lets you see your charges and the exchange rates before you make a transaction. Currency exchange is done in real time with midmarket rates. It completes the transaction in two to three business days, saving you valuable time and money.

How does TransferWise work?

TransferWise is a revolutionary new approach to fund transfers. TransferWise does all its transactions with a peer-to-peer payment system. It makes use of the fact that many people send funds from one country to another on a daily basis. If a person is sending money from one country to another through a normal service provider, they are paying a higher fee and might be getting a poor exchange rate. But if they could find someone who is sending money from the other direction to his country at the same time, they could simply exchange the money with each other. It cuts out high fees and terrible exchange rates in favor of more favorable direct trades. TransferWise merely acts as an intermediary, giving you a safe space to exchange money.

In this peer-to-peer method, TransferWise receives the funds from the sender, then deposits the money to its account in the same country. Then it converts it into the currency of the recipient and sends this amount from its account in the recipient’s country. The fund doesn’t have to travel across the border. So you save a lot of time in the actual transfer and clearance of funds.

Here they convert the currency at the real mid-market rate. As soon as a customer books his transaction his exchange rate also gets fixed. Even if the rate fluctuates during the process the recipient will receive the money at the previous rate. They call this feature Guaranteed Rate, taking much of the pain out of transferring money overseas.

TransferWise review

TransferWise fees

TransferWise assures that they charge no hidden costs. Their customers can get fees that are up to eight times lower than your typical bank. They charge 0.35% of the transfer plus 80p for each transaction (and credit cards incur a small, additional handling fee). Let’s give you an example of how much a transfer might cost.

If I have to send $100 from the United States to Australia with TransferWise, I will have to pay a fee of only $1.84, plus the small handling fee if I decide to use my credit card. When compared to other popular transfer companies, most of their fees were much higher per transfer than TransferWise . However, when I tried to transfer $1000 in the same manor, I found that the traditional banks and services had smaller fees than TransferWise. This makes them a great resource for sending small amount of the money, but not so good if you need to send large amounts. If you’re interested in more information on their fees, check out transfersreview.com; there you can see its fee comparison with lots of other services.

Exchange rate

One of the most compelling features of this service is the conversion of currency based on real exchange rates. When you don’t get real exchange rate, you can potentially lose some money when the currency is converted. The lower the rate, the more money you could lose. Since TransferWise uses real time rates, you’ll never miss out. When I compared TransferWise exchange rates with some of the prominent providers, I always found that it gave better rates than other. This significantly increases the amount you could receive after the transaction.

TransferWise bank account

Did you know TransferWise is a bank with accounts too? They offer borderless accounts that come with US, Australian, and British account numbers and IBAN numbers, making transfers simple between these countries. This can save you tons of money in transfers since your money in considered local in these three places. You can spend in different countries using just this account. You can even send or receive money from up to 30 other countries in different currencies. These different currencies can be kept in the same account and converted into other currencies as needed.

TransferWise bank account

Is TransferWise safe?

The company makes millions of transactions every year and has been found to be very reliable. It has over 3 million satisfied customers who can vouch for its safe methods. It has a secured website which protects critical information like your credit or debit card numbers and bank details. TransferWise also keeps its customers’ money safe by keeping it separate from the company’s own funds. Each transaction is entirely secured and a customer can always find the status of their funds. Their customer service department is also very responsive, giving you someone to call in case of any mistakes or fraud.


Every day, TransferWise is acquiring more customers and building a strong foundation for itself. It does not have any physical locations for cash transfers, but it has managed to give world-class services to its customers exclusively online. It has received very good reviews on Trustpilot, where over 88% customer have called it “Excellent.” TransferWise has an overall rating of 9/10. With a massive and growing customer base, TransferWise is likely to expand in ways that will make it even easier for you to send money where ever it needs to go. Overall, I’m a big fan of TransferWise, and I would recommend it to anyone who needs to send small amounts overseas.

How to send money from India to the USA

Every year thousands of Indian head to the USA to pursue higher studies, career or a business opportunity and leave their families behind. While being separated, they constantly need financial help from each other. Earlier it used to be a difficult task when someone had to send money abroad, but these days it is as simple as any other money transaction. The numerous online options had made it so easy for us that now it takes only a few minutes and the funds are transferred to whoever we want in any part of the world. If you also send money to somebody in the US from India you must explore the options available to you which can give you a better deal and save money for you. In this article, we will assess and compare few popular options through which we can send money from India to the US.

Wire transfer through Banks

One of the oldest and most trusted ways in India for sending money abroad is through Bank wire transfer. Despite being cumbersome many people still go to the bank as they can trust the bank with their money and are doubtful about newly found institutions for fund transfer. There are few banks who will allow even the non-members to make wire transfer with them while some will offer this service to their customers only. You will have to fill in an application for a wire transfer or a Foreign Currency Demand Draft (FCDD). Typically a wire transfer costs more than FCDD. You may also need to show your ID proof, account details and the beneficiary details. In some cases, you may be asked for the reason for sending money along with its proof. Some banks have this facility through their online banking platform as well and you can look for these services online and proceed from there. You can pay with cash, debit/credit card or with a check. The money can be sent directly to the recipient’s bank account or delivered as a check.

How to send money from India to the USA


TransferWise is another popular mean of fund transfer especially for those who don’t want to visit a bank. You can process your transfer online. The recipient also gets the money directly in the bank account. After you have signed up in your TransferWise online account you can start the transfer. Select the amount you wish to transfer you can see the transfer fee and exchange rates you will be getting. You will further have to enter the details of the recipient. Once all the details are fed you can just pay and your transfer is complete. You can also see how much time it will take for the funds to get delivered. TransferWise gives the best exchange rates as compared to other service providers in the league.



PayPal is rapidly getting famous and becoming the most preferred mean of transferring funds in India these days. Both the sender and receiver should have a PayPal account in order to send or receive money. Anyone can get a PayPal account in few simple steps and can get the funds transferred. In India, you need to link your PAN number with your PayPal account for monitoring your international transactions. You will also have to link your credit/debit card and bank account in order to send or receive funds. It takes a maximum of 3 business days to send money to the US from India. In India, PayPal does not charge anything for sending money however you have to pay 4.4% of the transferred fund and $.03 as fee if you receive funds through PayPal. You also can’t make any personal transfer from your Indian PayPal account to the US. However, if you have received any invoice or payment request from the US you can send them money with your PayPal account.


Since now everything is online, more and more people are inclined towards online options for fund transfer. Banks have also moved to the online transaction and are now equally accessible as TransferWise and PayPal. But as compared to TransferWise and PayPal, banks charges higher transfer fee and their exchange rates are also not as good. Banks give 2-4% lower exchange rates than mid-market rate whereas TransferWise offers real mid-market exchange rate. However, while sending money people tend to look at other things as well along with fee and exchange rates. It’s not always possible to point to the best service provider but looking at different aspects which we discussed, you can select the service provider which is best suited for you.

How to send money with WorldRemit

WorldRemit is a fast and low-cost online service which provides international remittance to millions of its users worldwide. The company was founded in 2010 and has its entire functions online. One of the founders of WorldRemit, Ismail Ahmed had the idea of an online money transfer service while he was studying in London Business School. There he used to face a lot of trouble in sending and receiving money to his family. WorldRemit was established to give its users extremely fast service with very reasonable fee and a freedom from the lengthy process of offline money transfer services.

WorldRemit Services

WorldRemit’s services are available in 50 countries for its senders to transfer money to over 140 countries. The transferred money can be sent to the bank account or as mobile money for those who don’t have any bank account. They can also be received as Airtime top-up or can be collected in cash. Airtime top-ups are money received to a phone number which can be used to buy data and for making calls. They instantly process the transfer since they keep their funds in every country in which they operate. The sender and receiver are immediately notified once the transaction is complete.

How to send money with WorldRemit

Online Money Transfer

It takes only a few minutes to send money with WorldRemit. First, you need to sign up to register an account so you can start the transaction. After that, you need to select the country where you wish to send the money and then the service through which the money will be received. Every country has a set of services available for them by WorldRemit. These services are the options through which you can receive money. Here are some options provided by WorldRemit:

Options for receiving money

  • Bank deposit
  • Cash pick up
  • Mobile money
  • Airtime top up

WorldRemit can transfer money as a bank deposit, cash pick-up, mobile money or Airtime top-up for the receiver. Further, you need to enter the amount you wish to send and the exchange rate and transfer fee appear for you to see. You can clearly see how much the recipient is going to receive after the transfer is done. Then you need to enter the recipient’s details and make the payment. You can either pay with your debit/credit card or your bank account and confirm the amount and complete the payment. You can also pay with several other options provided by WorldRemit mentioned here:

Options for sending money

  • Bank account
  • Credit, debit & prepaid card
  • Android pay
  • Apple pay
  • Trustly
  • iDEAL
  • Poli
  • Sofort

WorldRemit transfer fee & exchange rate

The transfer fee depends on the service you have selected. However, the first transfer with WorldRemit is free. In general, the fee for cash pick up is higher than that for bank deposit. Cash pick up also takes more time as compared to bank deposit. For sending GBP 1000 from the UK to the US one would have to pay GBP 2.99 as transfer fee and the recipient would receive $1313.75. Even for GBP 100 and GBP 10,000, you will have to pay the same transfer fee of GBP 2.99. This can be really beneficial for people who transfer large amounts. This flat rate for transfer fee varies from one country to another.

The table below shows the fee you will have to pay for transferring funds from the US to different countries. The fee is same for $100 and $1000 for all countries due to the flat rate of WorldRemit. The exchange rate offered here is also very competitive and the moment you make your payment the exchange rates are locked so any further changes will not affect the final amount the receiver would get. The exchange rate also varies on how the receiver is receiving the money.

From To Amount Fee Exchange rate Mid-market exchange rate You receive
USA India $100 $0.99 INR 67.55 INR 68.10 INR 6755.10
USA Australia $100 $3.99 AUD 1.33 AUD 1.34 AUD 133.22
USA France $100 $3.99 EUR 0.85 EUR 0.86 EUR 85.34
USA Canada $100 $3.99 CAD 1.30 CAD 1.30 CAD 130.03

The exchange rate offered here is also very competitive and the moment you make your payment the exchange rates are locked so any further changes will not affect the final amount the receiver would get. The exchange rate also varies on how the receiver is receiving the money.

WorldRemit transfer fee & exchange rate

Fund transfer to Nigeria

Let’s see how the fund transfer with WorldRemit works. For instance, I want to send funds to a friend in Nigeria from the US. The American dollar has to be converted into Nigerian currency. Nigeria has a currency called Naira (NGN). WorldRemit has the services of bank deposit and Airtime top-up at Nigeria. If I choose to send a bank deposit from the US to someone in Nigeria and send $100, I would have to pay $3.99 as transfer fee but for $1000 I will have to pay $18.99. The exchange rate offered by WorldRemit is NGN 353.40 for every USD. This exchange rate is very good and at par with other leading money transfer services. The bank deposit reaches almost instantly to Nigeria but in some countries, it may take up to 3 business days.

WorldRemit review

WorldRemit is considered as “The WhatsApp of money” for its user-friendly online and mobile platforms. With WorldRemit sending money is quick and efficient and anyone can access it whether they are in the office or at home or out traveling. It has very good customer reviews on Trust Pilot and customers like its fast and convenient service. At Trust Pilot, 85% of reviewers have given it “Excellent” rating. WorldRemit has been found to be very strong on its mobile app platform. Even though WorldRemit is not the cheapest option but in nearly 8 years they have managed to garner millions of loyal customers. With their increasing network around the world and customer focus, it surely has the potential to grow and get bigger.

How to send money with Western Union

Western Union is the biggest International money transfer company with its network spread across 200 countries with over 500,000 agent location. The company has been in the business for last 167 years and is a well-known and reliable brand in this business. It has its agent locations at almost every corner of the world and now with the reach of the internet, it is even easier to send money to your family or friends with just a few clicks. It offers various options to its users for paying and receiving their money and almost anyone can use Western Union to transfer their money to any part of the world. Let’s explore these options to see how can you easily send money with Western Union?

Online money transfer

The most popular options is their online and mobile app-based money transfer service. It is also the most convenient one. You can access their website or app anywhere and initiate the transfer. You have to register yourself before you can make any transfers. After registering you have to click “Send Money” to initiate the transfer and fill in the details like the country you are sending money to, the amount you wish to transfer, payment method and how the receiver will collect the money. All of these factors are responsible for determining the transfer fee for the transaction. Once all the details are filled you can review them and make payments.

How to send money with Western Union

Payment options

Even in an online transfer, you can choose to pay at the agent location in cash. You can also pay with your debit/credit card or straight from the bank account.

Options for collecting funds

The receiver can collect the money from the nearest agent location by visiting there in person along with their government ID. The transferred money can also be sent directly to the receiver’s bank account and in some countries to their mobile wallet.

Money transfer at the agent location

Those who don’t have access to the internet or online banking can also avail the facility of WU by visiting its local agent’s office. They need to bring the required information like the receiver’s name and address and their own personal ID. The payment can be made in cash, by debit or credit cards, or through the bank account. The transferred fund can be received in any of the ways as in the online money transfer.

Money transfer over the phone

You can transfer your money within the US over the phone using the Western Union Money Transfer Hotline. With just one call you can initiate the transfer. You have to dial into the hotline number and enter the required information of the person you are sending money to and your credit/debit card information to complete the transfer.

Western Union Money transfer at Wal-Mart

In Canada, you have the facility for sending or receiving money from Western Union at Wal-Mart stores. The chain of Wal-Mart stores all across Canada serves as an agent location for WU. The services can be availed at the customer service desk of any of the Wal-Mart store. Apart from convenience the customers also get 5% discount on the transfer fee if they transfer money at Wal-Mart. One can send up to a sum of Canadian $7500 and receive Canadian $5000 from a Wal-Mart store.

Transfer fee

The transfer fee in Western Union varies significantly on a number of factors. The country where the money is sent, currency, payment method and the way receiver collects the money are the factors which decide the transfer fee. It is usually cheaper to send money from a bank account and deposit it to the receiver’s bank account. The fee varies from minimum $5 to over $100 in some cases. Before you start the transfer you should check the transfer fee at Western Union Price Estimator to see which method will cost you less transfer fee. If the options suit you then you can save a lot of money on each transfer.

Transfer fee


With Western Union, you can transfer a minimum of $1 to a maximum of $5000 and the transfer may be completed within minutes but in some cases, it may take a maximum of 3-5 business days. The time of transfer depends on the country where the money is being transferred, the mode of payment and the mode of receiving the fund. Using Western Union you can also transfer money to an inmate in a correction unit. Western Union has really made life easier for many who regularly need to send money to other countries.