Decent rewards credit card?

[Excelsior]

So right now I just have a VISA through my Credit Union. Its ok, but I'd like to get some kind of rewards card (cash back maybe). What would be a good choice?

I don't spend that much, maybe ~200 a month on odds and ends (gas, food, electronics), with bigger purchases sprinkled around.

Thanks.

 

[ChaoZ]

https://www.penfed.org/product...tCards/RewardCards.asp

 

[Away]

http://www.creditcards.com/college-students.php

Link to a list of some student cards you can compare. There are a couple rewards cards listed including: Citi Dividend Platinum Select and Capital One No Hassle Cash Rewards. Definitely read through the info though and find the one that meets your needs.

 

[Excelsior]

I want to make sure I choose a good company. Seems like Citi and Chase have plenty of bad reviews although there are a couple of cards from each that look interesting. Should I take these into account?

 

[spunkz]

i got in on a deal for the chase card where they gave $250 in rewards on the first use. plus it gives 3% back on groceries, gas, and fast food which was and still is pretty much all of my credit card spending.

 

[newnameman]

Citi mtvU https://www.citicards.com/card...Detail.do?screenID=911

 

[Aimster]

My American Express Blue gives me:
1.5% cash back on all purchases
5% cash back on gas, grocery, and drug stores

but.. you have to spend $6,500 first otherwise it's 1% and .5% back.

I like American Express because they always have your back

 

[arkcom]

Anytime I have ever made a late payment or had other problems Citi has refunded my fees. Customer service is really good.

 

[dr150]

Hooters Mastercard

Earn gift certificates for fine dining/lap dances at any Hooters restaurant.

 

[Eeezee]

I really like the Chase Freedom card. Chase is a great bank, and their credit card services are excellent. It's 1%/3% cash back on certain purchases (gas, etc.), and since it's Visa it's accepted EVERYWHERE, unlike other credit cards. I like not having to switch out cards for vendors that only accept Visa.

I have never had a problem with Chase. I don't know how they can have a bad review; they have great credit cards and great customer service. Furthermore, if you use them for checking, all of the tellers I've met were super hot. Sadly, I moved to CA for grad school (no Chase banks), and the BofA by me only seems to hire mean old women

 

[JEDI]

Originally posted by: ChaoZ
<a target=_blank class=ftalternatingbarlinklarge href="https://www.penfed.org/prod......ds/RewardCards.asp"><a target=_blank class=ftalternatingbarlinklarge href="https://www.penfed.org/product...tCards/RewardCards.asp"><a target=_blank class=ftalternatingbarlinklarge href="https://www.penfed.org/productsAndRates/creditCards/RewardCards.asp">https://www.penfed.or............dCards.asp</a></a></a>

truth

5% gas
1.25% everything else

if u only can have 1 card, this is best.

if u can get a 2nd card, then i could recommend:
5% gas/drug store/supermarket card (shoot, forgot which card this is :Q but not the $6500 amex)
HSBC's 2% mastercard

and if u have costco membership, then obviously:
costco amex (free w/membership): 3% restaurants

edit:
of course we're assuming you'll be paying off the credit card every month. else dont even both w/rewards cards.

 

[JEDI]

Originally posted by: spunkz
i got in on a deal for the chase card where they gave $250 in rewards on the first use. plus it gives 3% back on groceries, gas, and fast food which was and still is pretty much all of my credit card spending.

he only spends $200/month.

for this chase card, u have to accumulate $200 in rewards then they give you $50 bonus for $250.

$200 at 1% means spending $20000 :Q

100 months = 8yrs :Q

Edit:
wait... $250 for 1st use?! what card is this? LINK!!!!!

Originally posted by: Aimster
My American Express Blue gives me:
1.5% cash back on all purchases
5% cash back on gas, grocery, and drug stores

but.. you have to spend $6,500 first otherwise it's 1% and .5% back.

I like American Express because they always have your back

at $200/month spending, OP will NEVER reach $6500/yr.

 

[LS21]

amex trueearnings business
5% gas, 3% restaurants, 2% travel, 1% everything else

 

[Muadib]

Originally posted by: LS21
amex trueearnings business
5% gas, 3% restaurants, 2% travel, 1% everything else

Is there a membership fee?

 

[LS21]

its free if you have costco membership... which is 50/year

dont know if they start charging if you cancel the costco membership or not.. also the costco membership can be shared between people

 

[Excelsior]

Thanks for the replies guys.

Anytime I have ever made a late payment or had other problems Citi has refunded my fees. Customer service is really good.

Good to hear.

I really like the Chase Freedom card. Chase is a great bank, and their credit card services are excellent. It's 1%/3% cash back on certain purchases (gas, etc.), and since it's Visa it's accepted EVERYWHERE, unlike other credit cards. I like not having to switch out cards for vendors that only accept Visa.

I have never had a problem with Chase. I don't know how they can have a bad review; they have great credit cards and great customer service. Furthermore, if you use them for checking, all of the tellers I've met were super hot. Sadly, I moved to CA for grad school (no Chase banks), and the BofA by me only seems to hire mean old women

I've been looking hard at that Chase card for sure.

wait... $250 for 1st use?! what card is this? LINK!!!!!

Looks like this was for a deal last year. Now its only $50.

its free if you have costco membership... which is 50/year

dont know if they start charging if you cancel the costco membership or not.. also the costco membership can be shared between people

My parents have a costco membership, but don't know how that would work.

 

[child of wonder]

I use the Choice Privileges card. You get two points per dollar spent towards hotel stays. A typical hotel stay is 8,000-12,000 points. Although if you only spend $200 a month you won't get much of anything for rewards no matter what card you get. For me, I get about 5-6 free hotels stays each year so it works great for my family.

 

[Excelsior]

Although if you only spend $200 a month you won't get much of anything for rewards no matter what card you get.

True. Its partly because my other card is my first one and its limit is a bit small. So I figured instead of asking for a higher limit, I'll just get a new card that at least has some advantages. I always pay my card off in full though.

 

[Funyuns101]

OP, if you're good about it, might as well get more than 1.
While in college I had these two:
The MTVu Citi card - great for students especially if you eat out often.
The Chase Freedom card - also good for gas, groceries and a few other things. The $250 signup bonus is long gone. It appeared twice and has been at $50 for awhile now.

Costco Amex is good too - but it sounds like you're not a member (your parents are - I think you need to have a card under your name).