Recommend a good Visa credit card

[Ramma2]

The wife and I both got student MasterCards in college... 10 years ago. They're terrible cards; high rates and no rewards. We're looking for a good Visa card to replace them. We both applied for the Target Visa, and even though we both have credit scores in the 800s we somehow got "selected" for the Target Red Card instead. Some kind of scam I tell you.

Anyone have a good all purpose Visa card they can recommend? Rewards are more important than rates as we pay off every month.

Thanks!

 

[Legendary]

Uhh from what I understand of the CC industry, Visa/MC are essentially the same, so don't discriminate based on that. You should be searching by bank, based on what each bank will give you, Visa/MC be damned.

Anyway, Citibank Dividend Platinum Select is my card of choice, but it's not a golden as it used to be as they reduced the cash back a bit. I think Chase's new card is supposed to be good but I can't recall the name.

 

[amdskip]

Check out a fellow member's website: http://www.bettercreditcard.com

 

[BigJ]

You may want one awards card that you can get a medium level of points at more locations, and a single rewards card that yields high rewards that you shop at all the time (like your Target card).

Citibank Dividend Platinum Select is a great card and the Chase Rewards card is also excellent.

 

[m1ldslide1]

I'd recommend a card that provides awards, like airline miles or whatever. All other things being the same, such as interest rates, credit limits, and fees I'd choose the awards any day of the week.

 

[mugs]

Weird... I got a Target Visa with a good limit with a lower credit score than that... when you say credit score, are you talking about a FICO score (850 point scale) or another credit score with a different scale (i.e. one of the major credit bureaus uses a 950 point scale for their non-FICO credit score, and all three credit bureaus use a new score system with a 1000 point scale).

The best card depends on what you spend the most money on. Citi Dividend Platinum Select is still a good card. Most likely you'll be best off with a combination of 2 or 3 cards that give you the best rewards where you spend the most money. Personally, I use a Costco Amex (at Costco, restaurants, and for airline tickets), Citi Dividend Platinum Select (grocery stores and gas stations), and the Target Visa (we buy a lot at Target).

Edit: Mastercard is not your issue. Mastercard does not determine your interest rate, they just process the transactions. The bank that issued the credit card determines the rate.

 

[GTaudiophile]

Do you care about travel?

If so, how about this one?

 

[olds]

All you need to know...

 

[RossMAN]

What are the benefits of the Target VISA?

 

[MajorMullet]

Originally posted by: RossMAN
What are the benefits of the Target VISA?

If you accumulate enough points you get a 10% off coupon to use at Target. That is all.

 

[RossMAN]

Originally posted by: MajorMullet

Originally posted by: RossMAN
What are the benefits of the Target VISA?

If you accumulate enough points you get a 10% off coupon to use at Target. That is all.

Ok thanks. We don't shop there enough to justify another credit inquiry.

I'll probably stick with my favorite credit card :heart:

 

[mugs]

Originally posted by: MajorMullet

Originally posted by: RossMAN
What are the benefits of the Target VISA?

If you accumulate enough points you get a 10% off coupon to use at Target. That is all.

Yeah, 1000 points = 10% off coupon. Normally $1 per point. They have specials sometimes where certain product categories get bonus points, but I never open my mail so I never know about those. They also had a deal around Christmas where if you spent $250 in a certain time period you got a 10% off coupon.

Usually when we get the coupon, we stock up on a lot of necessities, buy a few months worth of cat food, etc, and we end up spending $250-300. So that works out to be 2.5-3% back for all of our Target purchases. I don't know of any other card that could get us that much back at Target, and it's the store we shop at the most.

 

[jdoggg12]

AAA Platinum is what I have. 7% fixed, no annual, 5% cashback on gas, 2% on everything else. Dunno what it takes to get it, but my FICO is 809 (combinaton).

 

[Gunbuster]

http://www.sanrio.com/main/mbna/card.html

 

[RossMAN]

Originally posted by: jdoggg12
AAA Platinum is what I have. 7% fixed, no annual, 5% cashback on gas, 2% on everything else. Dunno what it takes to get it, but my FICO is 809 (combinaton).

Damn that's pretty nice. AAA = MBNA right?

I'll have to do some reading on the FW finance about that cc.

 

[jdoggg12]

Originally posted by: RossMAN

Originally posted by: jdoggg12
AAA Platinum is what I have. 7% fixed, no annual, 5% cashback on gas, 2% on everything else. Dunno what it takes to get it, but my FICO is 809 (combinaton).

Damn that's pretty nice. AAA = MBNA right?

I'll have to do some reading on the FW finance about that cc.

Yup, i dont think the same offer is available now - i shouldve signed up in 2005 when the interest was 5% fixed!!! I think you can get it at 8-9% now.

 

[RossMAN]

Originally posted by: jdoggg12

Originally posted by: RossMAN

Originally posted by: jdoggg12
AAA Platinum is what I have. 7% fixed, no annual, 5% cashback on gas, 2% on everything else. Dunno what it takes to get it, but my FICO is 809 (combinaton).

Damn that's pretty nice. AAA = MBNA right?

I'll have to do some reading on the FW finance about that cc.

Yup, i dont think the same offer is available now - i shouldve signed up in 2005 when the interest was 5% fixed!!! I think you can get it at 8-9% now.

I don't care what the fixed rate is, it could be 39% for all I care.

Is the 5%/2% still available though?