Which credit card should i apply?

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E

ezland00

Senior member
Jul 1, 2002
981
0
71
Hello,
i'm 19yrs, i want to apply a credit card, which company offers best benefit?

Tell me which one you have and what kind of benefit are you receiving.

thank you
 
RossMAN

RossMAN

Grand Nagus
Feb 24, 2000
79,053
446
136
Originally posted by: George P Burdell
http://www.bettercreditcard.com

Edit: Go for the Amex Blue or the Citibank Dividend card.

The website above is run by RossMAN, PM him if you want more advice.
Click to expand...

I would apply for either of these two cards. It may be difficult to qualify if you have little to no credit.

Citi Dividend Platinum Select Mastercard

* 5% cash back on purchases at supermarkets, drugstores and gas stations
* 1% cash back on all other purchases
* $5 cash back for each balance transfer of at least $1,500
* Access to Citi Identity Theft Solutions
* 0% APR on new balance transfers for first 12 months
* No annual fee

Chase Cash Plus Rewards Visa

* 5% cash back on purchases at supermarkets, drugstores and gas stations
* 1% cash back on all other purchases
* 0% APR on both purchases and balance transfers for up to 12 months
* Redeem cash back for checks or gift certificates
* Newest cash back card from Chases - replaces the Ultimate Awards card
* No annual fee

I would also recommend reading this thread
 
suse920

suse920

Diamond Member
Feb 7, 2005
6,889
0
0
Citi Dividend Platinum Select Mastercard or Citi Dividend Platinum Select Mastercard Student
 
V

venk

Banned
Dec 10, 2000
7,449
1
0
DON'T. Don't walk but RUN away from any credit card applications.

NEVER EVER APPLY FOR A CREDIT CARD!!!!
 
S

Suspicious-Teach8788

Lifer
Feb 19, 2001
20,155
23
81
Originally posted by: George P Burdell
http://www.bettercreditcard.com

Edit: Go for the Amex Blue or the Citibank Dividend card.

The website above is run by RossMAN, PM him if you want more advice.
Click to expand...

Citibank >>> Amex Blue.

Best combo: Citibank Dividend + AMEX Costco card. You get the 1% on everything on either card but you get 2% eating out 3% travel (or was it the other way around) for the AMEX card and 5% on gas, groceries, etc on the CItibank card. Heh. You never want overlapping benefits like Blue + Dividend cuz they give you cashback on the same things, PLUS the AMEX card ramps up for cashback (you ened to spend a lot to get the 5%).

AT&T Universal card = Citibank Dividend.
 
B

Bozono

Banned
Aug 17, 2005
2,883
0
0
I'm sorry, didn't read the thread, but the initial question make absolutely no sense. Take the one with the highest Interst rate; that way you know they're interested.
 
S

Suspicious-Teach8788

Lifer
Feb 19, 2001
20,155
23
81
My first card: BoA gold POS Student card that I trashed recently even though I havent used it in like 6 months.
Second card: AMEX for Students (WTF.. they gave me $8k limit so I shouldnt even be applying for student)
3rd card: BoA Effectiva Visa (1% cashback on everything)
4th card: Citibank Dividend (the most popular card today)
5th: AMEX + Costco combined (waiting approval)
 
B

Bozono

Banned
Aug 17, 2005
2,883
0
0
Originally posted by: DLeRium
My first card: BoA gold POS Student card that I trashed recently even though I havent used it in like 6 months.
Second card: AMEX for Students (WTF.. they gave me $8k limit so I shouldnt even be applying for student)
3rd card: BoA Effectiva Visa (1% cashback on everything)
4th card: Citibank Dividend (the most popular card today)
5th: AMEX + Costco combined (waiting approval)
Click to expand...


Sink us all in dbt before we turn 30:confused: Or you Could buy a house:confused: Quite the trip.
 
W

Wahsapa

Diamond Member
Jul 2, 2001
3,004
0
0
Originally posted by: venk
DON'T. Don't walk but RUN away from any credit card applications.

NEVER EVER APPLY FOR A CREDIT CARD!!!!
Click to expand...

how do you build credit without a credit card?
 
B

Bozono

Banned
Aug 17, 2005
2,883
0
0
Originally posted by: Wahsapa
Originally posted by: venk
DON'T. Don't walk but RUN away from any credit card applications.

NEVER EVER APPLY FOR A CREDIT CARD!!!!
Click to expand...

how do you build credit without a credit card?
Click to expand...


Old School My Friend. Cash and Connections:D
 
RossMAN

RossMAN

Grand Nagus
Feb 24, 2000
79,053
446
136
Originally posted by: DLeRium
Originally posted by: George P Burdell
http://www.bettercreditcard.com

Edit: Go for the Amex Blue or the Citibank Dividend card.

The website above is run by RossMAN, PM him if you want more advice.
Click to expand...

Citibank >>> Amex Blue.

Best combo: Citibank Dividend + AMEX Costco card. You get the 1% on everything on either card but you get 2% eating out 3% travel (or was it the other way around) for the AMEX card and 5% on gas, groceries, etc on the CItibank card. Heh. You never want overlapping benefits like Blue + Dividend cuz they give you cashback on the same things, PLUS the AMEX card ramps up for cashback (you ened to spend a lot to get the 5%).

AT&T Universal card = Citibank Dividend.
Click to expand...

CostCo Amex cc rocks :)
 
R

RKS

Diamond Member
Oct 9, 1999
6,824
3
81
I guess it depends what you use it for. It doesn't seem like the OP is going to put a lot of purchases on it so cashback/dividends really should not be the main focus. Just get a low APR with no annual fee.

On a side note I use my Amex Blue for all electronic/computer purchases since it double the warranty.
For example I bought a DVD/RW, with a 1 year warranty, almost two years ago for about $135 and it died after 20 months. I called up Amex told them when I bought the item as well as the sale amount and they credited the amount to my card no other questiones asked.
Now I can buy 4 burners with better specs for that amount. They didn't even want the item though I would have gladly sent them the drive.
 
jpeyton

jpeyton

Moderator in SFF, Notebooks, Pre-Built/Barebones
Moderator
Aug 23, 2003
25,375
142
116
Can you apply for the Costco Amex online or only B&M? Thinking about getting my first Amex card.

BTW, how much do you need to spend to ramp up your cash back %?
 
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