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LSUlunatic
Butler Fan
Member since Dec 2006
6306 posts

Best type of credit card for young professionals?

I'm looking to get my first credit card and don't really know what I should be looking for. I've read good things about a few cards (CapOne Venture Rewards, Chase Sapphire Preferred, AmEx Blue Cash, and AmEx Preferred Cash Rewards), but I don't really know how to evaluate them.

Any help is appreciated.
This post was edited on 10/28 at 10:08 am



bryso
Clemson Fan
The Real Death Valley
Member since Dec 2006
27097 posts

re: Best type of credit card for young professionals?
Young professional is such an over used term.

It's not really an official club so I don't think you're going to get a better card. Just pick out the one that seems best and go with it...

Amex is popular for a lot of people


LSUlunatic
Butler Fan
Member since Dec 2006
6306 posts

re: Best type of credit card for young professionals?
quote:

It's not really an official club so I don't think you're going to get a better card

I used the term to provide some context.
quote:

Just pick out the one that seems best and go with it...

I don't know which one seems the best.


notiger1997
Member since May 2009
26057 posts

re: Best type of credit card for young professionals?
quote:

CapOne Venture Rewards


This one gets alot of hype and seems to be a good card.

If you like to travel or will be traveling for work, it might be worth it to get one with your favorite company, such as Delta or Southwest.
I have really liked my Southwest Visa and my Hilton American Express.


saderade
New Orleans Saints Fan
America's City
Member since Jul 2005
21799 posts

re: Best type of credit card for young professionals?
I have AMEX Blue Preferred. 6% cash back on groceries, 3% on gas/department store. We take several vacations a year but I am not loyal to any type of hotel brand or airline so that wasn't important to me.


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Skin
USA Fan
Lockport, LA
Member since Jun 2007
4657 posts

re: Best type of credit card for young professionals?
Chase Freedom is great as well. $200 sign up bonus. Zero annual fees. 5% cash back on category purchases each quarter. Gas is usually 2 qtrs out of the 4, which is great for my situation.




Eta: otherwise 1% cash back on all purchases plus a year end dividend based on points accumulated during year.
This post was edited on 10/28 at 11:54 am


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TheOcean
Florida State Fan
Member since Aug 2004
32760 posts

re: Best type of credit card for young professionals?
Depends on how you spend your money.

I use chase freedom for food and penfed for gas 5% back year-round. Both have sign up bonuses.

I also make 1k+ a year just from signing up for credit card bonuses. Credit score has actually risen too


Powerman
LSU Fan
Corpus Christi, TX
Member since Jan 2004
121883 posts

re: Best type of credit card for young professionals?
quote:

don't really know what I should be looking for

A low interest rate


AintBigButItsPretty
LSU Fan
Member since Mar 2011
718 posts

re: Best type of credit card for young professionals?
I'm in the same situation. I plan on paying the card off each month. Just need it for emergencies and to help my credit.


bryso
Clemson Fan
The Real Death Valley
Member since Dec 2006
27097 posts

re: Best type of credit card for young professionals?
quote:

I don't know which one seems the best.



pick the one that gives the best rewards for what you spend your money on... that offers a fair int rate and no fees...

about all u can look for.


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TigerDeBaiter
LSU Fan
Member since Dec 2010
3263 posts
Online

re: Best type of credit card for young professionals?
quote:

Chase Sapphire Preferred


This is what I currently use and have been pleased. Lots of rewards, they had some huge sign up bonuses a while back, not sure if they still do. The card is metal too, so

The new(er) BOA card seems pretty legit as well.

1% cash back on everything
2% on groceries
3% on gas.


BACONisMEATcandy
LSU Fan
Delta, Amex, & Über Threads
Member since Dec 2007
43117 posts

re: Best type of credit card for young professionals?
There is no correct answer for this.... This is the equivalent of coming here and asking "what is the best car for young professionals?"

You have to decide what perks are important to you and which card would benefit you the most according to where you spend the most of your money


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wegotdatwood
Member since Aug 2009
17094 posts

re: Best type of credit card for young professionals?
The "young professional" term is stupid.


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Gujam8
Member since Jun 2010
2361 posts

re: Best type of credit card for young professionals?
Depends on your spending habits..how much do you spend/year? Travel?

Which benefits you more:- hotel points/cash back/airline travel miles?


Chase Sapphire Pref is a decent card..I have it and use the points for my United Account. They had (still might have) a 50,000 points promo for applying...$95 annual fee though. Beautiful card!

If you don't want to pay any annual fee, I'd look into getting Amex Blue.


Gujam8
Member since Jun 2010
2361 posts

re: Best type of credit card for young professionals?
quote:

The card is metal too, so





Do you get tired of people telling you how different and heavy the card is? If only I had a dollar for every time I hear that...beautiful card and great customer service.


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weurf3
LSU Fan
nola
Member since Jun 2004
424 posts

re: Best type of credit card for young professionals?
Sams gas purchases qualify with penfed?


Chris Farley
Maryland Fan
Regulating
Member since Sep 2009
3848 posts

re: Best type of credit card for young professionals?
quote:

I have AMEX Blue Preferred. 6% cash back on groceries, 3% on gas/department store. We take several vacations a year but I am not loyal to any type of hotel brand or airline so that wasn't important to me.


I use this one as well. $75 annual fee but the 6% on groceries and 3% on gas makes up for it tenfold. They also have a decent signup and referral bonus. If you go with this one post your email and I can send you the form. We would each get $75.


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Croacka
UNLV Fan
Denham Springs
Member since Dec 2008
56571 posts

re: Best type of credit card for young professionals?
quote:

Posted by weurf3 Sams gas purchases qualify with penfed?



Would like to know this as well


I just applied for this card last week, I went with the cash back version instead of the points version

Doesn't get much back on non gas purchases but I have my Amex blue preferred for that anyway

I'll probably use the penfed strictly for gas


fatboydave
LSU Fan
Fat boy land
Member since Aug 2004
7814 posts
Online

re: Best type of credit card for young professionals?
lots of young professionals check out websites like this
This post was edited on 10/29 at 3:14 pm


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TheOcean
Florida State Fan
Member since Aug 2004
32760 posts

re: Best type of credit card for young professionals?
quote:

Sams gas purchases qualify with penfed?


Yes. Every Gas station. I love Penfed, they also have phenomenal car/home rates

eta: they also have a $200 sign up bonus
This post was edited on 10/29 at 3:21 pm


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