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Looking for a new credit card.

N

n666

Senior member
I'm trying to expand my credit history by adding anohter credit line.. i havent seen any really good ones so far.. i'll looking for some rewards (air miles, cashback, etc.) cards..
does anybody have any to suggest?
 
Discover Card or one of the Citibank cards.

You'll most likely be eaten up by MBNA America, though... They have loads of "unsuspecting" cards out there 😉
 
I read recently a study of several common cards and Discover came out on top for the highest rewards for the average user. And since it is cash, you can do whatever you want instead of being locked into a discount for an item you might not want by the time you have enough rewards to get it. But of course Discover has problems - most specifically that it isn't accepted everywhere. And in some particular cases you may get more back with another card.

Other cards often advertise higher rewards, but have so many restrictions that most people end up better off with discover. For example, I just got a 5% cash back ad in the mail - it was 0.75% cash back for purchases below $20000, 5% cash back from $20000-$25000, and nothing back for purchases beyond that.

People here seem to love Amex Blue. I haven't looked into it myself.
 
Originally posted by: ReelC00L
citi platinum select dividends.
Click to expand...

get this one, if you don't already have it.

get the diamond award, there is a promotion going on, 10k points= $100 gift card.
 
Discovercard is a good card. But it isn't accepted everywhere like the others... but it is a good card......

and they pay good too, not just cashback, but wages also, but yea... even though i work there, it is a good card because i can get it to work for me...
 
Originally posted by: dullard
I read recently a study of several common cards and Discover came out on top for the highest rewards for the average user. And since it is cash, you can do whatever you want instead of being locked into a discount for an item you might not want by the time you have enough rewards to get it. But of course Discover has problems - most specifically that it isn't accepted everywhere. And in some particular cases you may get more back with another card.

Other cards often advertise higher rewards, but have so many restrictions that most people end up better off with discover. For example, I just got a 5% cash back ad in the mail - it was 0.75% cash back for purchases below $20000, 5% cash back from $20000-$25000, and nothing back for purchases beyond that.

People here seem to love Amex Blue. I haven't looked into it myself.
Click to expand...



as far as no restrictions that is correct, plus they are having a lot of 5% cashback programs this year...

and you get cash, not points.... cash...
 
arent most of these "up to $300 per year" ?

this way some reward card would serve more usefull
 
I use Providian or Chase for Rewards, Chase gives me 3% on gas 1% on the rest, Providian is a straight 1% on everything. No limits to rewards, Chase has a $20 annual fee, but it gets waved if you use it atleast 9 times a year.
 
see thats the thing.. i've had my bofa card with a 1000 limit for a while.. used it a couple times..
most of the time i just use my atm card

but i spend at least 40-50 bucks on gas weekly so i think that would be an ok expense..

i mean the most i charge would be up to 5k per month.. or something like that..
 
Originally posted by: RaDragon
Discover Card or one of the Citibank cards.

You'll most likely be eaten up by MBNA America, though... They have loads of "unsuspecting" cards out there 😉
Click to expand...
Discover? Die. Die Horribly.

Discover was originally started by Sears. (Or was it Macy's? Some department store) They have the worst customer support I've ever seen. They're like the Packard Bell of credit cards.

American Express is good if you do online purchases. Their chargeback/charge dispute services are top-notch.
 
Originally posted by: n666
see thats the thing.. i've had my bofa card with a 1000 limit for a while.. used it a couple times..
most of the time i just use my atm card

but i spend at least 40-50 bucks on gas weekly so i think that would be an ok expense..

i mean the most i charge would be up to 5k per month.. or something like that..
Click to expand...

Get the Citibank Platinum Select Dividend. Flat 1% on all purchases, and 5% on all supermarket/groceries and gas purchases.

Most of the other cash back cards have a tiered cash back system, so be sure to read how you are credited with the rewards.

Hope this helps.
 
MBNA sucks! do not get them. They keep telling me my card is at its limit even though i have $500 left till i reach it.
 
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