Post # 1
We’re closing out DH’s Bank of America card because I absolutely hate it. The interest rate is too high (his own fault) but the website is HORRIBLE. Not user friendly and so hard to make and change payments.
I have a Discover card and love it, but it’s not accepted everywhere and I would like a MC or Visa card that can be used everywhere (I’m not sure if AMEx is accepted everywhere or not).
So: What credit card do you have and do you like it? What company would you suggest?
Post # 3
Best two cards Fiance and I have – Discover and Chase. We’ve had great experience with both companies and their customer service.
Post # 4
Don’t close the bank of america card. Just pay it off and cut it up. Chase Sapphire has decent rewards. I have a United card to rack up miles.
Post # 5
- Wedding: August 2013 - The Liberty House
AmEx isn’t accepted everywhere. I’d say that mastercard and visa are pretty universal. Just look for the one with the best rewards
Post # 6
I have an American Express Blue Cash card and I love it. There are very few places that don’t take it…mostly small businesses like Mom and Pop stores. Both Fiance and I have one and we got back about $700 last year!
Post # 7
i have chase and capital one and they are both great. chase really looks out for their customers when it comes to fraud and i really like that. i have an amazon rewards chase card so i earn points towards amazon purchases. i also have a nordstrom visa and i earn $20 rewards certificates for every certain amount spent and they are also really awesome about protecting their customers from fraud.
i agree with LGenz about not closing the BofA account. just transfer the balance to another card and cut up the BofA one. it will hurt his credit score if he closes the account (less overall credit available).
Post # 8
I have a Citi card and I like it. But I am in the market for a card with more rewards.
Anyone have suggestions?
Also, I’m in agreeance with the other PP’s. Don’t close the Bank of America card. It will hurt your credit.
Post # 9
Chase or Capital One. But I’d go with the one that’s going to give you 0% for the longest and the least yearly, or no yearly fee. 3rd would be interest rate, but I don’t carry a balance. If you plan on it, you might want to look at that too.
Post # 10
AMEX has been getting better and better but still doesn’t work everywhere. MasterCard isn’t taken at Dollar Trees for some reason. I find that really funny. But anyway – I think VISA is most universal.
Post # 11
i’ve had a chase freedom card for about 7 years now and it’s been great–the rewards really rack up quickly and it has a cash back option, which i like. and they were really responsive and quick about fraudulent charges the one time i had an issue
Post # 12
@pmerr: My Fiance and I just went through this as we wanted a joint credit card for household items, groceries, etc.
What he should do is figure out what he wants out of the card. Cash back? Air Miles? Reward points? And then figure out which company has the best offer. Look at specific banks as well. You don’t need a bank account with them to use their credit card. I’m in Canada so I assume our banks are different so I can’t really offer more specific advice. All information should be on their websites though!
Post # 13
I had a Capital One that wasn’t really giving me anything, so I still have it open, just stoped charging.
If you travel (esp on AA) I just opened the Citi AAdvantage and will get 40K free miles. There is an annual fee, so one that comes, I will switch to their card with no fee. Husband has this card & pays the annual fee b/c he travels on AA for business and gets double points so it makes sense to pay the annual fee.
Post # 14
I have a Citi credit card and it works well for me. I have an unheard of interest rate of 5.99%. I’ve had that card since I was 18 – almost 10 years now (eek!). I am sadly adding my fiance to the card – sad only because it is ending my independent, mutually benefitting, and loving relationship with my citi card. The current balance is $0 but we are putting our wedding rings on it. He has no credit so can’t get approved for anything but a crazy interest rate – he is of the cash only crowd.
The largest balance I ever held on it was $1200 and that was right after college. I’m the pay off the cards every month type, except for the rings now (sad, sad me).
Post # 15
I’ve got one of each of the major card brands, but my favorite is the Chase Freedom card – I love it. It gives me 1% cash back on every purchase (in the form of points that I can use as statement credits, get cash with no minimum amount, or buy stuff from their “mall”). They also have 5% cash back on categories that change quarterly, this quarter is I think drug stores and gas stations. And since I have a checking account through Chase, they give me an extra 10% on top of the points I earn and 10 points per transaction. It adds up super fast especially if you just put all your monthly bills on there and pay it off in full.
Post # 16
I guess I won’t close the card.
I think I have the Amazon rewards card, so I’ll have to check it out!