Want to get a credit card for the perks. Cash back or rewards?

I like cash rewards personally but I know sometimes the travel perks pay off well

Depends on what categories you spend the most in

AMEX Blue Cash Preferred

6% on groceries
3% on gas

Certainly worth the $75 annual fee and they waived my first year and gave me $150 for signing up. I don't have a family to buy groceries for, nor spend hardly any on gas, and pulled $600 in rewards this year.

ETA: Post your email and I can refer you and get you the $150 and myself $50.

With those categories I'd go with Blue Cash Preferred Amex. That would give you 6% back on groceries and 3% back on gas.

Sounds like we have a winner. Thanks guys

If you want points, the LSU Capital One card gives you double points on gas and groceries (walmart included). A lot of the grocery points cards only give double points for a local grocery store. You can also use it at Sam's

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this. i personally prefer the ease of cash back, but my understanding is if you know how to work the points system(transferring to frequent flyer clubs etc) you get better bang for your buck with travel redemption.

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That is true. For example, you can get two first tickets to Bangkok from MSY. To generate those points, it could cost you as little as $1800 in expenditures to create enough points to book the tickets. That isn't a terrible cost for booking two economy tickets to Bangkok straight up. However, I'd be booking first class tickets in this scenario, which sell for $24,000.

Walmart and target will rarely be considered grocery category

Get a Chase Sapphire Preferred Card. Their points system is awesome. Also check out The Points Guy and his blog. Good info on credit card points for beginners.