If you are looking for a credit card with a basic rewards program, the Good Neighbor Visa Credit Card may be the one for you. Instead of awarding points, the Good Neighbor Visa credit card does something different. It helps you save money by getting discounts at the various merchants that Visa has a partnership with. Some of those merchants include ProFlowers, Barnes and Noble, New York and Company, Target.com, Ross and Simons, The Land of Nod, Sears, Kohl’s and even Ghiradelli. If you enjoy doing a lot of traveling, the Good Neighbor Visa credit card helps you save money at rental car agencies like Alamo, National Car Rental and Avis as well as popular tourist destinations like Planet Hollywood and more. There are even discounts available on cruise lines and various hotels across the country.

As for fees and rates, the Good Neighbor Visa credit card has an annual percentage rates that ranges between 3.99% and 10.99% in addition to the prime rate. As an introductory offer, you will receive 0% APR for the first nine months that you are an account holder. Depending on your credit history, you may also be eligible for a credit limit of up to $25,000. As a Good Neighbor Visa credit card customer, you may also receive a $250,000 automatic travel accident insurance policy for when you are away from home. Other benefits include online banking and zero liability on purchases that you did not authorize. That means if your Good Neighbor Visa credit card gets lost or stolen, you will not be responsible to repay the charges made as long as you report it in a timely manner.

When paying your balance, you have a 20-day grace period with the Good Neighbor Visa credit card. However, the balance is calculated as an average daily balance so the interest can add up rather quickly. There are no balance transfer fees so you can move money around onto your Good Neighbor Visa credit card without paying extra. Cash advance fees are a minimum of $5 or three percent of the cash advance. Late payments and over-the-limit fees are both $29.

The Good Neighbor Visa credit card is not much different than other cards that offer rewards. There are not many merchants that offer discounts with this card so it doesn’t have that going for it. However, since there are hardly any fees associated with having the Good Neighbor Visa credit card, it is a good thing to have in your wallet, especially if you frequent the list of merchants that offer discounts for Visa customers. You may also enjoy the fact that Visa is accepted worldwide so you should never have a problem paying for your merchandise or anything else when you are traveling abroad.

Check out the Good Neighbor Visa credit card if you are looking for a way to save on various merchants. Otherwise, move on to another rewards card that offers more for your troubles.