(Closed) Looking into getting a credit card—suggestions

posted 6 years ago in Money
Post # 3
Member
5405 posts
Bee Keeper

You will want to shop around for the best offer because there are ao many cards and companies. What you’re offered and approved for will vary. But also look into cards that have rewards programs. My discover card has awesome rewards, but is not accepted everywhere, so that’s something else to consider if you only have one card. 

ETA: just saw you mentioned rewards!

Post # 4
Member
6892 posts
Busy Beekeeper
  • Wedding: March 2012

I love having my Discover card, though it’s very unsophisticated. 🙂 <– By unsophisticated I mean it’s a student card that I’ve had since college. It has really good cash back bonuses and no annual fee. The first year was a 0% interest rate as well.

I’m no expert, just telling you what I like about mine. 🙂

Post # 7
Member
2725 posts
Sugar bee
  • Wedding: November 2011

Darling Husband and I use a Discover. You get 1% back on everything and 5% on certain things each quarter. Right now is groceries. It was gas at one point. Since we pay off the balance each month we are actually saving $ by putting everything on the Discover. 

I got a student Citi Card in college. I hate them. They enticed me with “You APR will lower each month you make a payment.” Well there’s a lot of rules to adhere to for that to happen. 

Post # 8
Member
1304 posts
Bumble bee
  • Wedding: September 2011

Amex.  They have the best customer service, hands down.  I have had an Amex Green card for 13 years.  I pay it off in full every month, and any time there has been an issue with a charge they fix it with zero hassle.  When my wallet was stolen they overnighted me a new card for no charge.  If you get a Blue card, you’re allowed to carry a balance and they have a good cash back program.  (The Green card is a charge card, meaning you’re not allowed to carry a balance, and it has an annual fee.)  I have always had an excellent experience with Amex, and they have been my primary card throughout my entire adulthood.

Post # 9
Member
5296 posts
Bee Keeper
  • Wedding: January 1993

I have a Citicard and a Chase Visa. The first I got in college, and has been great for rewards – 1% on everything and 5% on certain rotating categories. 

The Chase I got after they kept upping their cashback offer and it got to $300. They are also 1% and 5% rotating. So between the two I’m usually earning 5% on gas, groceries, or other common things.

Darling Husband has the same Citi card, and Discover and a Capitol One. The Discover does has something where you have to spend $3000 in a year before you get the full cashback, so he isn’t as fond of that. The Capitol One doesn’t chare a foreign transaction fee which is very helpful if you need to make purchases outside the U.S.

 

We never carry a balance on any of these cards, so the cashback is pure gain for us. So if you are after rewards…I would recommend the Chase or the Citi. Both are excepted everywhere I’ve wanted to use them. Once in a great while, DH’s Discover can’t be used.

Post # 11
Member
14496 posts
Honey Beekeeper
  • Wedding: June 2011

My card of choice now is Bofa Cash Rewards – 3% gas, 2% groceries, 1% everything else.  I also have a Citibank and Discover which I use for the vendor rewards or rotating 5% rewards.  I just use whichever card has the best benefit for what I’m buying. 

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