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Started By
Message
First Credit Card Suggestions
Posted on 5/21/17 at 9:53 am
Posted on 5/21/17 at 9:53 am
Looking to get first credit card. Have always used a debit card and would like to find a card that has some sort of reward system. I know there are a couple threads saved on the topic but rather long or out dated. Looked at some AMEX and Capital One options, but not sure how to decide which would be best.
Wife and I do not travel much so not sure something directly tied to airline miles would make sense. My intent would be to use it in place of my debit card and pay it off every month. If there are details I can provide to help someone suggest something that is best for me I am happy to do that.
Wife and I do not travel much so not sure something directly tied to airline miles would make sense. My intent would be to use it in place of my debit card and pay it off every month. If there are details I can provide to help someone suggest something that is best for me I am happy to do that.
5
Posted on 5/21/17 at 10:38 am to PortCityMadMan
Do you have any established credit? Rewards cards are generally premium cards.
You might be able to start with a Chase Freedom, Capital One Quicksilver or entry level Discover cards for rewards.
You might be able to start with a Chase Freedom, Capital One Quicksilver or entry level Discover cards for rewards.
Posted on 5/21/17 at 10:50 am to PortCityMadMan
^ what buckeye said
I had trouble getting my first card due to not having a credit history.
One route would be to go to Chase or Bank of America, explain your situation, and tell them you want your first card.
Another route would be to get your parents to make you an authorized user on their card, that way you'll build credit immediately. Then in a few months apply for your own card
I had trouble getting my first card due to not having a credit history.
One route would be to go to Chase or Bank of America, explain your situation, and tell them you want your first card.
Another route would be to get your parents to make you an authorized user on their card, that way you'll build credit immediately. Then in a few months apply for your own card
Posted on 5/21/17 at 11:10 am to tigerfootball123
Yes, when I got my score last month buying a vehicle it was 790 something so doubt I would have an issue with credit.
Posted on 5/21/17 at 11:39 am to PortCityMadMan
Discover in not a bad first card to get. No annual fee, cash back rewards, free credit score , and their customer service is domestic, so your not talking with people in India.
Posted on 5/21/17 at 11:42 am to PortCityMadMan
Amex blue cash back. The premium is worth the 95 bucks if you are looking for higher cash back percentages.
Posted on 5/21/17 at 11:53 am to Rhames
In your opinion is cash back the better option versus some sort of reward points?
Posted on 5/21/17 at 11:58 am to PortCityMadMan
To me it is. I usually get about 20 to 25 bucks back a month. I'm sure some ot ballers get double or triple that. I also pay my balance in full every month. Not sure how cash back works or is distributed if you carry a balance. (Not saying you would)
You can let the cash back build up or cash in for at least 25 bucks at a time.
You can let the cash back build up or cash in for at least 25 bucks at a time.
Posted on 5/21/17 at 12:25 pm to PortCityMadMan
quote:
Yes, when I got my score last month buying a vehicle it was 790 something so doubt I would have an issue with credit.
You may or you may not. If your credit file is extremely thin that 790 means a lot less than you think it does. Premium cards want to see a history of using credit lines responsibly.
Posted on 5/21/17 at 1:08 pm to PortCityMadMan
We don't travel much either we have been using the Chase Amazon card for a couple years, pays for Christmas for the boys at the end of the year. They now have a prime card as well if you are prime member - 5% back on Amazon purchases.
Posted on 5/22/17 at 12:47 pm to PortCityMadMan
If you are not redeeming for travel points then that rules out a lot of the more lucrative options.
No hassle wise and not digging into what you spend your money on, the Citi Double Cash is the card to beat with no annual fee.
No hassle wise and not digging into what you spend your money on, the Citi Double Cash is the card to beat with no annual fee.
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