(Closed) Credit Cards?

posted 7 years ago in Money
Post # 3
1927 posts
Buzzing bee

I have all my cards through the bank I work for.  I love it but it has to be tied to an investment account so it’s not the best option for a lot of people.  My parents have their credit card through Capital One and they love it.  My dad is a real nerd about this kind of stuff and did TONS of research before switching over to them.

Post # 4
4137 posts
Honey bee
  • Wedding: May 2011

it all depends on your needs and credit score. i’ve used creditcards.com to compare; also, if you use mint, they have a great comparison system to help you find the best card too. just don’t apply for more than one card — each inquiry hurts your credit score.

Post # 5
1328 posts
Bumble bee
  • Wedding: July 2011

In our personal experience, capital one sucks.  We left them as soon as the card expired.  Right now we use HSBC credit cards.  They have 1% rewards and so over the course of a year we make $100-$200 back on our purchases.  There’s not any fees that we know of (but we pay the whole balance every time, so i dunno for carrying a balance)

Overall an easy online site to navigate too! 

Post # 6
584 posts
Busy bee

I don’t bank with Chase, but I think the rewards on their credit card are the best! You can redeem points for checks, or gift cards…I have heard a lot of people say that AmEx has the best rewards, but I have cards w/both companies and Chase Visa is my favorite!

Post # 7
2410 posts
Buzzing bee
  • Wedding: July 2011

What type of rewards are you interested in and how often do you plan to redeem/ For example, $30,000 spend on a Chase Sapphire card only gives me the equivalent of $300. The same amount spent on my Starwood Amex card allows me to redeem mulitple nights in 5 star hotels depending on what I want and where I’m going, flights etc. For me the Chase card has crappy rewards. On the other hand, if you don’t ever want to travel, that could well be a better option for you.


Post # 8
13099 posts
Honey Beekeeper
  • Wedding: July 2010

It really depends on your needs, your credits, etc so no one’s personal advice really applies to you and your situation.

That said – my credit card is with Bank of America and they have been really easy to work with and I’ve had zero problems.  Darling Husband has a card through Chase that he likes eqaully as well as my BoA card.

Post # 9
2066 posts
Buzzing bee

Like pp have said – it really depends on what you spend, what your credit score is, and what type of rewards you are looking for.  Use some of the comparision sites and ask your friends and family for their personal experience. 

Post # 11
3012 posts
Sugar bee
  • Wedding: October 2012

Glad I came across this.  I was just wondering what everyone thought would be the best credit card to go with.  I have one right now, but I am looking to cancel it any pay it off.  I absolutely dislike Capital One.  

Post # 12
14336 posts
Honey Beekeeper
  • Wedding: June 2011

@DesireeAnne: Does cancelling it ‘erase’ the credit history you’ve built with it?  Have you checked up and research if cancelling will do more harm to your credit score than just leaving it open and not using it before doing so.  From my understanding, it’s may be better to not close it.

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