Rhythm C.

Their transfer fees are very competitive and often lower than any other provider, and they appear to offer the best exchange rates in real-time.
Transferring money directly to your US bank from a foreign country can cost thousands more. My bank's exchange rate (Chase) pays $0.02 less than the current exchange rate, which can add up to a substantial amount when transferring a large sum of foreign currency. I received my funds from Australia and held them in AUD in my Wise account until the exchange rate was acceptable. I then converted AUD to USD and transferred the funds to my bank for a small Wise transfer fee, saving me thousands of $.
New for 2024, Wise is offering 4.85% APY on USD, and they are also paying interest for currency held in euros and pounds. I'm very impressed with their services, their website, and how easy it is to navigate. I have not used their App yet, so I can't speak to the usability and performance.

I've had CareCredit for years and have always been grateful for this type of card. They recently reduced my line of credit, maybe because I hadn't used it in a while, but when I requested an increase of $5000 for dental work (pay over time), I was instantly approved. I also received 10,000 points, which can be used on their rewards site. They have thousands of choices; I was able to trade in my points for a $100 Amazon gift card; awesome!
CC gave me over a year to pay for my dental implants (they have various interest-free pay-over-time plans). I'm very happy with their card/service and also with the Synchrony website, which makes it very easy to manage your auto payments so you don't get hit with interest and to ensure you pay off your balance in time. I would not hesitate to recommend this card to anyone needing dental, health, cosmetic, or vet services.

I was able to bounce easily between my laptop and iPhone. I felt secure in providing my info and verifying my identity. Very impressed with the technology, and I can see ID.me being the future of Identity verification.