Post # 1
I currently have a Walmart discover. I plan to close it after this months payment due to high interest rates. I have good credit and would like to get a card I could earn rewards from. Preferably a card with no annual fees. Suggestions?
Post # 3
@Lava: I use AMEX Blue Cash.
- 5% back on groceries, gas, warehouse, drugstore
- 1.5% back on all else.
(You do have to spend at least $6500/yr on the card which is very easy even when I was a poor student).
Everytime you rack up $25 in cash back you can redeem it anytime just in $25 increments.
I’ve been traking my cach back which is really just credit added to your card, not an actual check. Since 6/11 I’ve received $425 in credit.
Post # 4
Bank of American cash rewards is my go to card right now. 3% on gas, 2% groceries, 1% everything else. Plus if you have a bank of america checking or saving and do a direct deposit, they give you a bonus 10% on your cash back, so effectively 3.3%, 2.2% and 1.1%.
I love my discover card for merchant cash back through shop discover so I keep it around for that. They regularly have 5-15% bonus cash back for most major stores like Kohls, target, walmart, macy, etc.
Post # 5
I have an Amex Blue and a Capital One Venture.
Post # 6
I signed up for Citbank American Airlines Advantage card when they were doing a 40K miles promo (50K miles is required for most round trip, domestic trips). You get 1 mile for each dollar spent. It was great and I got a trip out of it (and nice perks when flying American Airlines)…. but, I recently switched to American Express Starwood Card…. hotel and air points 🙂
Post # 7
It really depends on what kind of rewards and other benefits you’re after. The best card for me might not be the best card for you.
My favorite card is Amex Platinum— it is not for everyone, as it has a steep $475/year fee; for me, though, it’s worth it. I get $200 statement credit for airline incidentals (inflight wifi/food purchases, baggage fees, etc), free membership to airline lounges in tons of airports (and I fly a lot, so being able to wait somewhere quiet and comfy instead of at the crowded gate is priceless to me); $100 rebate on Global Entry fee (it’s $100/5 years and basically lets me clear US immigration via kiosk rather than waiting in line for an officer, and now works in Australia too); plus Amex points can convert to a ton of airline and hotel programs with no fee. So instead of taking my 100k Amex points and using them for $1000 off airfare, I can use them for a business class ticket to Europe which costs way more than $1000.
My second favorite card currently is Hyatt Visa; $75 fee but they are rolling out a chip-and-pin card, that’s worth its weight in gold for overseas travel, plus you get 2 free night certificates and Platinum status which at least gets me free wi-fi.
But DH and I travel enough that those benefits are more than worth their fees.
Anyway I suggest you have a good long think over what kinds of rewards you wish to earn, as there are so many cards out there, and not all of them are worth it to everyone.
Post # 8
I have a credit card that gives me miles. I love it!
Post # 9
Those sound great for frequent travelers. I want to travel within the next 5 years before TTC. I’ve never been on a vacation ANYWHERE! So I’m thinking a card with miles/hotels would be a good option.
Are there any safe sites that compare features?
Post # 10
We love our Discover card! We charged the card and paid it off every month while planning our wedding and made $1000 back. Worth it.
Post # 11
I like the Amex Platinum and am also a fan of the CIBC Aventura Mastercard (best travel rewards I found and very low mileage redemption rates compared to other banks I’ve used).
Post # 12
I love to use my Norwegian Cruise Line mastercard. You can rack up points to get room credits, upgrades and every dollar is one point. It’s perfect for us because we love NCL so we use it a lot. It’s run through Bank of America so I can also go on their website to “shop” at a ton of online stores and they often run promotions like ‘get 5 points for every dollar’ or cash back.
I also have a Discover card which I like but don’t really use now that I have my NCL card. My suggestion would be to try and find a card that racks up points that are relevant for your life.
Post # 13
I agree with Pinkshoes. I have the Bank America cash rewards card too. I got it specifically for wedding purchases to earn the cash back and then after the wedding to use on groceries and gas. I find that the gas and grocery purchases do add up in cash back. It’s my first credit card so im not an expert but I love their customer service and I really like this card.