Could I get a better credit card?

[thirtythree]

I've only had a credit card since August 2004. I use it pretty regularly, but I pay it off every month (i.e., I've never accrued any interest), so I have no idea if that's good for my credit rating or doesn't really affect it at all.

As for what I'm looking for, I don't plan on keeping a balance on my card in the future either, so I don't really care about the interest rate. I don't need a huge limit either (say, $1500?). I want something with no annual fees, something I can pay off from my bank account online, and something with cash back rewards. Sooo... are there any such credit cards that I could qualify for?

 

[GeneValgene]

citi dividend FTW

 

[acemcmac]

Citi Dividend Platinum FTW :thumbsup:

 

[MetalMat]

Originally posted by: acemcmac
Citi Dividend Platinum FTW :thumbsup:

Its what I use

 

[Reckoner]

I usually use a combination of cards.

Citi Dividend Platinum Select for Gas and Groceries - 5%
Subaru Mastercard for Everyday purchases - 3% (Subaru Bucks)
Starwood Platinum Card for Hotels/Trips - Nice discounts, upgrades, etc.
Citi MTV Card for Restaurants - 5%

 

[thirtythree]

Originally posted by: PaulNEPats
I usually use a combination of cards.

Citi Dividend Platinum Select for Gas and Groceries - 5%
Subaru Mastercard for Everyday purchases - 3% (Subaru Bucks)
Starwood Platinum Card for Hotels/Trips - Nice discounts, upgrades, etc.
Citi MTV Card for Restaurants - 5%

Yeh... I think it might be a bad idea for me to get that many credit cards...

 

[everman]

hm, someone should make a site called bettercreditcard.com. 😉

 

[morkus64]

cue rossman in 3... 2... 1...

 

[chambersc]

Originally posted by: thirtythree

Originally posted by: PaulNEPats
I usually use a combination of cards.

Citi Dividend Platinum Select for Gas and Groceries - 5%
Subaru Mastercard for Everyday purchases - 3% (Subaru Bucks)
Starwood Platinum Card for Hotels/Trips - Nice discounts, upgrades, etc.
Citi MTV Card for Restaurants - 5%

Yeh... I think it might be a bad idea for me to get that many credit cards...

why, can't you manage your debt successively?

 

[thirtythree]

Originally posted by: everman
hm, someone should make a site called bettercreditcard.com. 😉

Yes, yes they should. I just saw that link in the CapitolOne thread after I made this one.

 

[thirtythree]

Originally posted by: chambersc

Originally posted by: thirtythree

Originally posted by: PaulNEPats
I usually use a combination of cards.

Citi Dividend Platinum Select for Gas and Groceries - 5%
Subaru Mastercard for Everyday purchases - 3% (Subaru Bucks)
Starwood Platinum Card for Hotels/Trips - Nice discounts, upgrades, etc.
Citi MTV Card for Restaurants - 5%

Yeh... I think it might be a bad idea for me to get that many credit cards...

why, can't you manage your debt successively?

I can, but I think it would be a bit of an overkill considering I hardly ever go out to eat or travel. Also, isn't it bad for your credit to open multiple cards at once? Or is that a lie?

 

[Schfifty Five]

Originally posted by: thirtythree

Originally posted by: chambersc

Originally posted by: thirtythree

Originally posted by: PaulNEPats
I usually use a combination of cards.

Citi Dividend Platinum Select for Gas and Groceries - 5%
Subaru Mastercard for Everyday purchases - 3% (Subaru Bucks)
Starwood Platinum Card for Hotels/Trips - Nice discounts, upgrades, etc.
Citi MTV Card for Restaurants - 5%

Yeh... I think it might be a bad idea for me to get that many credit cards...

why, can't you manage your debt successively?

I can, but I think it would be a bit of an overkill considering I hardly ever go out to eat or travel. Also, isn't it bad for your credit to open multiple cards at once? Or is that a lie?

Some people say it is, some people say it isn't.....the world will never know haha.

 

[sniperruff]

if you want to apply to citibank's dividend platinum card that everyone has, please PM me and let me refer you. help a brother out to fix his broken computer!

 

[thirtythree]

Originally posted by: PaulNEPats
I usually use a combination of cards.

Citi Dividend Platinum Select for Gas and Groceries - 5%
Subaru Mastercard for Everyday purchases - 3% (Subaru Bucks)
Starwood Platinum Card for Hotels/Trips - Nice discounts, upgrades, etc.
Citi MTV Card for Restaurants - 5%

Does the 3% have to go towards a new Subaru, or are the "SuburuBucks" separate?

 

[igowerf]

Originally posted by: chambersc

Originally posted by: thirtythree

Originally posted by: PaulNEPats
I usually use a combination of cards.

Citi Dividend Platinum Select for Gas and Groceries - 5%
Subaru Mastercard for Everyday purchases - 3% (Subaru Bucks)
Starwood Platinum Card for Hotels/Trips - Nice discounts, upgrades, etc.
Citi MTV Card for Restaurants - 5%

Yeh... I think it might be a bad idea for me to get that many credit cards...

why, can't you manage your debt successively?

Limiting credit card usage is a very effective way of managing debt.

 

[Suspicious-Teach8788]

Originally posted by: Schfifty Five

Originally posted by: thirtythree

Originally posted by: chambersc

Originally posted by: thirtythree

Originally posted by: PaulNEPats
I usually use a combination of cards.

Citi Dividend Platinum Select for Gas and Groceries - 5%
Subaru Mastercard for Everyday purchases - 3% (Subaru Bucks)
Starwood Platinum Card for Hotels/Trips - Nice discounts, upgrades, etc.
Citi MTV Card for Restaurants - 5%

Yeh... I think it might be a bad idea for me to get that many credit cards...

why, can't you manage your debt successively?

I can, but I think it would be a bit of an overkill considering I hardly ever go out to eat or travel. Also, isn't it bad for your credit to open multiple cards at once? Or is that a lie?

Some people say it is, some people say it isn't.....the world will never know haha.

You want a few, but not to many. 4 is ok. 10 is not.

I personally have 3 cards. I really only use 2 frequently.

Citi Dividend Platinum Select (5% on gas adn crap)
AMEX TrueEarnings from Costco (3% eating out? 2% travel, 1% everything)

 

[simms]

Originally posted by: igowerf

Originally posted by: chambersc

Originally posted by: thirtythree

Originally posted by: PaulNEPats
I usually use a combination of cards.

Citi Dividend Platinum Select for Gas and Groceries - 5%
Subaru Mastercard for Everyday purchases - 3% (Subaru Bucks)
Starwood Platinum Card for Hotels/Trips - Nice discounts, upgrades, etc.
Citi MTV Card for Restaurants - 5%

Yeh... I think it might be a bad idea for me to get that many credit cards...

why, can't you manage your debt successively?

Limiting credit card usage is a very effective way of managing debt.

True, but I think in this case the OP wanted to know if having too many cards would hurt your score.

 

[Yossarian]

Originally posted by: acemcmac
Citi Dividend Platinum FTW :thumbsup:

I just cashed the $120 check they sent me yesterday! 🙂

 

[Reckoner]

Originally posted by: thirtythree

Originally posted by: PaulNEPats
I usually use a combination of cards.

Citi Dividend Platinum Select for Gas and Groceries - 5%
Subaru Mastercard for Everyday purchases - 3% (Subaru Bucks)
Starwood Platinum Card for Hotels/Trips - Nice discounts, upgrades, etc.
Citi MTV Card for Restaurants - 5%

Does the 3% have to go towards a new Subaru, or are the "SuburuBucks" separate?

Doesn't have to be a new subaru. It has to be Subaru related, however, since it's Subaru Vendors/Dealerships which redeem them

 

[ni4ni]

Originally posted by: GeneValgene
citi dividend FTW

Sorry to "bump" and older thread however I am looking to apply for a new card. Is there a limit on the cash back amount in a calendar year? I heard it was $300.00...