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Reccomend Me A Credit Card
YamiNoSenshi
A point called ZIn the complex planeRegistered User regular
A point called ZIn the complex planeRegistered User regular
I'm looking to get a new credit card, preferably one that's better than the do-nothing one I have. I'm pretty much looking for a card that does cash-back rewards, the more/more applicable purchases the better. The card I have now, which I use pretty rarely, doesn't give me anything of value. I've got between good and great credit, and I'm responsible with my money, so that's not an issue. I pay my balance in full every month, so I wouldn't even be too worried about whatever APR they charge. (I'm assuming most cards are like mine, which don't charge interest for the first billing period of a charge). Also, not having any monthly or yearly "You have a card!" fees is pretty important.
YamiNoSenshi on
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Edit: This advice is predicated on the notion that there's a costco near you and you're interested in being a member. Also, I wouldn't be comfortable having an amex as my *only* credit card, simply because it's not taken everywhere.
There used to be a non college one. Maybe you could find it. But this card is awesome. No annual fees or anything, just straight cash back. Really good cash back for the first six months too. They just sent me a check for $120.
My boss has been using the regular version of this card for about 3 years and they just wrote him a check for $750 over the summer.
It's free money for spending money you would spend anyway
This is the credit card I use to fend off credit card sellers. Once they know I've got Blue, they know their card can't compete so they back down.
No annual fee, up to 1% cashback on purchases for the first $6,500 annually, and then up to 5% cashback on purchases once you exceed $6,500.
Short term, cards like the citicard might look better, giving 5% cashback immediately, but that's only an introductory offer which expires after 6 months and then you're down to 2% flat rate. Which may still be better if you don't expect to spend more than $6,500 a year. In fact, you could work out pretty easy how much you'd have to spend in a normal year for the Amex to pay off better than the citicard and then make some estimates as to how much you do spend on regular purchases over the course of a year to figure out which would be best for you. If you spend a substantial amount then it might even be worth considering a card with a fee which gives even better rewards so long as the additional cashback you are going to earn exceeds the annual fee on the card.