top 3 credit cards | TigerDroppings.com
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Roux-Roux
LSU Fan
Baton Rouge
Member since Nov 2003
1367 posts

top 3 credit cards

looking at getting some cards to build more credit while gaining rewards.

Any recs?


TigerintheNO
LSU Fan
New Orleans
Member since Jan 2004
25005 posts

re: top 3 credit cards
I've never had a problem with Discover, cash back & their customer service is top of the line.


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I Love Bama
Alabama Fan
Alabama
Member since Nov 2007
34050 posts

re: top 3 credit cards
I'm up to 100k skymilesafter 6 months. Can't wait to use them


agdoctor
LSU Fan
Louisiana
Member since Dec 2004
1959 posts

re: top 3 credit cards
I use a Citi Card mastercard. Pays back 1% on every purchase


tigerpawl
LSU Fan
Can't get there from here.
Member since Dec 2003
6316 posts

re: top 3 credit cards
quote:

Pays back 1% on every purchase
Limit on total purchases??


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AUtigerNOLA
Auburn Fan
New Orleans, LA
Member since Apr 2011
11801 posts

re: top 3 credit cards
Chase freedom is solid. 5% back on certain categories like gas, restaurants, groceries, movies, etc every quarter. 1% back on every purchase. They don't give you a big credit line though.


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BACONisMEATcandy
LSU Fan
Delta, Amex, & Über Threads
Member since Dec 2007
42956 posts

re: top 3 credit cards
quote:

I'm up to 100k skymilesafter 6 months. Can't wait to use them


Hope you don't just have the regular old gold card with the spending You must have done to do that


wegotdatwood
Member since Aug 2009
17094 posts

re: top 3 credit cards
quote:

I use a Citi Card mastercard. Pays back 1% on every purchase




That's a shite arse card.


Almost every rewards card will give you 1% back as a baseline.

I think the best set up is pen fed for gas 5% cash back.

Then a rotating one for 5%.

Also, churn that shite for bonuses if you don't get a loan. ex, already have a house etc.


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BACONisMEATcandy
LSU Fan
Delta, Amex, & Über Threads
Member since Dec 2007
42956 posts

re: top 3 credit cards
If I were just starting out and not loyal to one airline and traveling as much as I do... It would be chase sapphire with the chase freedom to supplement it


wegotdatwood
Member since Aug 2009
17094 posts

re: top 3 credit cards
quote:

If I were just starting out and not loyal to one airline and traveling as much as I do... It would be chase sapphire with the chase freedom to supplement it



True, I forget many of y'all are big travelers, I'm not.


RunningBlake
Georgia Fan
Member since Aug 2011
2249 posts

re: top 3 credit cards
I'm not a big traveler.

I use AMEX Blue Cash preferred. It's pretty good with the 6% cash back on groceries. I will pay for the $75 annual fee easily.


aaronb023
LSU Fan
TeamBunt CEO
Member since Feb 2005
11774 posts

re: top 3 credit cards
amex blue cash rewards (preferred)


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aaronb023
LSU Fan
TeamBunt CEO
Member since Feb 2005
11774 posts

re: top 3 credit cards
quote:

It's pretty good with the 6% cash back on groceries


this and 3% on gas. easily got $1500+ back last year.


I Love Bama
Alabama Fan
Alabama
Member since Nov 2007
34050 posts

re: top 3 credit cards
Lol I do. Fml


wegotdatwood
Member since Aug 2009
17094 posts

re: top 3 credit cards
quote:

It's pretty good with the 6% cash back on groceries


this and 3% on gas. easily got $1500+ back last year.



Why not add pen fed gas card? 5% on gas YEAR round.

It's a $20 1 time fee that donates to a charity. Then $5 to a checking account type thing.

The 5% is put into your account automatically each month.

No annual fee.


Seems the ultimate set up.

That amex that givs 6% cash back on groceries, 5% pen fed for gas, citi forward for restaurants (5 point per $ spent, but the redeem rates turn that 5 points into a hair over 3% on restaurants), and a almost any travel card that gives 2% on travel.
This post was edited on 5/16 at 10:18 pm


BACONisMEATcandy
LSU Fan
Delta, Amex, & Über Threads
Member since Dec 2007
42956 posts

re: top 3 credit cards
Damn

Do you fly often? Or is that just regular spending?


I Love Bama
Alabama Fan
Alabama
Member since Nov 2007
34050 posts

re: top 3 credit cards
Every week. How do I upgrade


BACONisMEATcandy
LSU Fan
Delta, Amex, & Über Threads
Member since Dec 2007
42956 posts

re: top 3 credit cards
You can't unless your card has been open for more than 13 months (due to Dodd Frrank)

If you are flying Delta only... I'd stick with it or open up a New acct and close this one. However, You won't get the sign-up bonus (unless you open a business version of the platinum or reserve delta card).


wegotdatwood
Member since Aug 2009
17094 posts

re: top 3 credit cards
Can you downgrade before 13?


BACONisMEATcandy
LSU Fan
Delta, Amex, & Über Threads
Member since Dec 2007
42956 posts

re: top 3 credit cards
No... You cannot make any changes (except canceling) in the 1st 13 months of opening an account. Even if it is by the user's request


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