Recommend a Credit Card
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Recommend a Credit Card
Posted by DieselTiger1 on 10/6 at 12:48 pm
I recently paid off my truck and have no debt. I don't want to carry on with no payment history. I travel A LOT for work and would be putting a hotel and rental car on my card regularly. To give you an Idea how much would be on the card, I have been out of town for the last 4 months and could be spending 800-1200 a month for a rental car 500-1000 for plane tickets, and another 3-4k a month for hotel.

right now I am direct billing everything to my company but I would like to have a CC to help with my credit score/payment history and want something to give me some type of rewards for the amount I would be using it.


thanks for your help.


This post was edited on 10/6 at 1:12 pm

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Posted by notiger1997 on 10/6 at 1:19 pm to DieselTiger1
quote:

last 4 months and could be spending 800-1200 a month for a rental car 500-1000 for plane tickets, and another 3-4k a month for hotel. right now I am direct billing everything to my company


Good god, you have wasted alot of chances to earn reward points.

Depending on what airline or hotel you like, I have a Southwest Visa and an American Express Hilton card that work very well for me. I charge every possible thing I can on them.



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Posted by BACONisMEATcandy on 10/6 at 1:22 pm to DieselTiger1
I would honestly get the airline and hotel chains card you use the most... Rack up those points


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Posted by foshizzle on 10/6 at 1:32 pm to DieselTiger1
Flyertalk has a forum dedicated to this topic, see LINK.



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Posted by Lou on 10/6 at 1:39 pm to DieselTiger1
quote:

I don't want to carry on with no payment history.
Why not? I pay cash for everything and my credit score is over 800. "If you don't have a credit card, you will have a bad credit score" is such a ridiculous myth. Don't buy into it.

If you want a CC for convenience that's understandable. Rewards? Meh - that only encourages you to spend more money. The extra you spend frivolously negates any cash back you get. If you are disciplined to only use if for business expenses and necessities then that would be beneficial. But most people use a credit card to make a spontaneous purchase they would not have otherwise made with a check or cash. And no, that's not my opinion, that's based on a study by Dunn & Bradstreet.



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Posted by TheHiddenFlask on 10/6 at 3:18 pm to Lou
Thanks Dave.

To the OP: if you stay at one particular hotel chain a lot, I would suggest you get the Amex version of that hotel chain. Also, if you are putting that much on it, it is probably worth it to pay an annual fee.



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Posted by Layabout on 10/6 at 3:43 pm to DieselTiger1
One of the Amex travel cards is the way to go. No pre-set limits and the best customer service of any of the cards.


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Posted by prostyleoffensetime on 10/6 at 4:53 pm to DieselTiger1
Dude, you could've been George Clooney in "Up In the Air" if you wanted.


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Posted by Lou on 10/6 at 8:55 pm to TheHiddenFlask
quote:

Thanks Dave.
You're welcome - he didn't have the facts, so I presented them.



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Posted by foshizzle on 10/6 at 9:49 pm to Lou
quote:

Lou


Yes, you can pay cash if you want. But if you travel as much as the OP says, you will not get the discounts either. Paying cash all the time can cost you, it isn't just about the FICO.

Personally, I pay as much as possible with my credit card. They pay me a minimum 1% cash back, and sometimes more. Do you get that with cash?



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Posted by LSUKTR on 10/6 at 10:26 pm to DieselTiger1
Starwood Amex (SPG): points transfer at a 1:1 ratio to many airlines, so you aren't limited to just one. Just cancelled my American Airlines card in favor of this.

I use a BoA cash rewards visa for gas. It gives 3% cash back on gas.

Also look for great deals on bonuses. Google can help with that.


This post was edited on 10/6 at 10:28 pm

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Posted by LSUAfro on 10/7 at 8:34 am to Lou
Idiot


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Posted by LSUAfro on 10/7 at 8:35 am to DieselTiger1
Look at the Chase Freedom card just for now.
$100 back for spending $500 and 5% on airfare and hotels right now.



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Posted by Chris Farley on 10/7 at 9:08 am to DieselTiger1
I use Amex Preferred Cash Rewards. 6% on groceries, 3% on gas, 1% on everything else. They have some travel ones that would probably fit you better.

Don't be afraid to pay an annual fee, with how much you travel your rewards will easily cover it.



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Posted by Lou on 10/7 at 9:12 am to foshizzle
Reread my post, I was mainly addressing the FICO score myth. I never said "you should never under any circumstance use a credit card."

It's a fact that people with credit cards are likely to spend more money than they would if they used cash. I would rather spend spend $100 cash and get no cash back, than spend $115 with cc and get $1.50 back. As I said, cash back programs encourage you to spend, not save. CC's foster impulse purchases - that is not my opinion, that is a proven fact. If it wasn't you wouldn't hear a thousand commercials a day from lawyers peddling bankruptcy services, and credit consolidation agencies offering to help you get out of credit card debt.

If you are truly disciplined enough to never use a card frivolously or excessively, then yes, it's a good idea, and you win. And if he is spending thousands every month on business expenses, then yes he can take advantage of rewards programs - as long as he doesn't make one or two unnecessary purchases that would negate every dime of cash back he earned.



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Posted by Lou on 10/7 at 9:15 am to LSUAfro



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Posted by SLafourche07 on 10/7 at 9:17 am to Lou
Honestly when I have cash in my wallet I spend it. If I just have a debit and credit card on me I probably won't frivolously use it because I don't want it to pop up on Mint.


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Posted by DieselTiger1 on 10/7 at 10:23 am to SLafourche07
thanks for all the input, guy.


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Posted by LSUAfro on 10/7 at 10:24 am to Lou
quote:

It's a fact that

That you're still an idiot.



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Posted by foshizzle on 10/7 at 11:00 am to Lou
quote:

Reread my post, I was mainly addressing the FICO score myth. I never said "you should never under any circumstance use a credit card."


I never claimed you said anything different. Perhaps you should reread my post after removing the chip from your shoulder.

quote:

If you are truly disciplined enough to never use a card frivolously or excessively, then yes, it's a good idea, and you win.


Exactly.



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