Credit card advice?

posted 11 months ago in Money
Post # 2
Member
940 posts
Busy bee
  • Wedding: September 2017

buzzerbeater :  where are you located?

If you are in Canada, the RBC Avion Visa Infinite is amazing for points if you travel!

Post # 3
Member
6366 posts
Bee Keeper

I use a card with lots of travel points and put EVERYTHING on it, and just pay it off at the end of the month. You’d be surprised how quickly you can accumulate free trips! 

If you don’t intend to spend that much, maybe look at a cash back card. IE 3% cash back on groceries and gas. And then just use it for those. 

If you have a home bank, I would just call them up (or goto website) and see what they have, since it doesn’t seem like youre looking for anything too specific. 

Post # 5
Member
1005 posts
Bumble bee
  • Wedding: October 2018

buzzerbeater :  Almost all credit cards offer rewards… What kind of rewards do you want? I’ve never been impressed by cash back as it seems to be an insignificant return on what you spend to get it. Do you fly a lot or stay in hotels when you travel? Are you loyal to a brand of clothes, gasoline, groceries, makeup, etc? Almost every company offers a reward card that will give you more perks.

Always pay it off and don’t carry a balance unless you’re willing to pay interest!

Post # 6
Member
1953 posts
Buzzing bee
  • Wedding: March 2019

Definitely pay attention to yearly fees. If you aren’t going to use it a lot, then you don’t really need to look into the rewards cards. Just get a basic one with no annual fee. Creditkarma.com and nerdwallet.com are both great places to see what credit cards will work best for your situation. 

Post # 8
Member
363 posts
Helper bee

buzzerbeater :  I really like the Chase Freedom card and the Amazon Rewards Chase card. The Amazon card is especially good if you’re a frequent Amazon buyer but can be used like any other card at any establishment that accepts Chase (I’ve never been denied using a chase card, it’s one of the largest credit card companies). I like them because they are relatively easy to be accepted, they both have cash back between 3-5% depending on purchase and I’ve had no issue getting credit limits increased because I have a history of on time payments. I use mine to pay my bills and regular purchases (gas, groceries) then immediately pay them off and reap the cashback. I’ve also used them for emergencies, school, or when I suddenly became jobless for w months (that was fun). 

Post # 9
Member
211 posts
Helper bee

the best card really depends on your spending habits.

We have a few cards with different perks.  I’ve found our Amazon Visa is the one i reach for the most because its 5% back on amazon purchases… well, I purchase basically everything on amazon so…

Just make sure you pick a card with no fees.  Don’t get me wrong, some cards with fees are well worth it, but since it sounds like you won’t be a heavy user of whatever card you get I doubt its worth it for you.

Post # 10
Member
640 posts
Busy bee

No advice on which card to get but as soon as I got my credit card I started using it in place of my debit card and then used my debit card to pay it off completely every month and for transactions that don’t accept a credit card. My credit is great and the limit has tripled from when I got it. It’s the only credit card I have and it’s with my bank but I’ve used Credit Karma to start doing research on cards that offer frequent flier miles because my sister just moved across the country.

Post # 11
Member
887 posts
Busy bee
  • Wedding: September 2016

It doesn’t really matter what card you get. What matters is that you make payments on time and pay off the balance in full each month. I’m actually surprised you have gone this long without a credit card. Having a credit card is one of the fastest ways to establish your credit history and build good credit. The only other ways to build credit are big-ticket purchases (student loans, car loans, house loans). 

Post # 12
Member
2489 posts
Buzzing bee

Chiming in to agree with PPs — I love my Amazon card. It does have a higher interest rate than some of my other cards, though, so I wouldn’t necessarily recommend it for an emergency where it couldn’t be paid off quickly. That said, if you pay it off fully, it’s great. 5% back at Amazon and Whole Foods, and I think 2 or 3% back on other things. I tend to buy most things on it, and I quickly accumulate Amazon points that I can put toward purchases.

Post # 13
Member
473 posts
Helper bee

I love my Chase Freedom card. No annual fee. You get 1% back on everything. Then there is always a category that that is 5% back and changes every 3 months. Some of these categories are grocery stores, gas, Costco/Sam’s, etc. 

Post # 14
Member
243 posts
Helper bee
  • Wedding: November 2017

Citi Cashback is pretty good if you want to earn points without an annual fee. I also like Capital One venture card because depending on your credit, you can get a relatively low APR. My favorite card by far is my AMEX which gives me random offers. I can only think of 3 occasions in the past 3 years where a merchant didn’t accept my AMEX.

Post # 15
Member
1031 posts
Bumble bee

Definitely a big fan of my Amazon card, as well. If you use it for amazon purchases, you get 5% cash back applied directly to your amazon account. It’s also a great way to build credit if you use your amazon card on amazon only (yay 5% cash back where you’d normally get none!), pay it off each month, and otherwise save the card for emergencies. 

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