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Started By
Message
Recommendations on Credit Cards.
Posted on 5/21/14 at 10:00 am
Posted on 5/21/14 at 10:00 am
I currently have a Chase and CitiBank card that I would like to get rid of. I was on CreditKarma earlier and was looking at the age of my accounts and the average is nearly 10 years. Neither have rewards and I am not familiar with the reward stuff too much.
1. What cards do you guys have with good rewards?
2. What are the best interest rates to be had with a reward card since both of mine are at 10.99 now, I don't want to go higher.
3. Most of the reward cards I have looked at have an annual fee, I don't want to get back to annual fees because I'm not a kid anymore.
1. What cards do you guys have with good rewards?
2. What are the best interest rates to be had with a reward card since both of mine are at 10.99 now, I don't want to go higher.
3. Most of the reward cards I have looked at have an annual fee, I don't want to get back to annual fees because I'm not a kid anymore.
11
Posted on 5/21/14 at 10:01 am to Warfarer
(double post)
This post was edited on 5/21/14 at 10:02 am
Posted on 5/21/14 at 10:01 am to Warfarer
Posted on 5/21/14 at 10:03 am to Warfarer
I've been considering opening an airline miles reward card. seems like the most rewarding 
Posted on 5/21/14 at 10:04 am to Warfarer
quote:
I currently have a Chase and CitiBank card that I would like to get rid of.
Do not cancel those cards.
And yes, go read that link and you'll learn a lot. I know I did.
Posted on 5/21/14 at 10:06 am to Chaplain
quote:
LINK
money board, brah.
never paid attention to the money board. Just saw the credit thread earlier and got me thinking/reminded me that I need to do it.
And I want to phase out the two cards, not dump them off immediately.
Posted on 5/21/14 at 10:06 am to htownjeep
quote:
Do not cancel those cards.
This. Just use them once every 8 months to buy gum or lunch
Posted on 5/21/14 at 10:07 am to Warfarer
enormous thread on this on the money board. maybe some of the more knowledgeable guys from there will help you wade through it
quote:it has nothing to do with being a kid, macho man. in fact, i'd say it's probably the opposite; many of the big boy cards and lucrative reward programs will have a fee.
3. Most of the reward cards I have looked at have an annual fee, I don't want to get back to annual fees because I'm not a kid anymore.
Posted on 5/21/14 at 10:07 am to Warfarer
Don't get a credit card. They are a scam.
Posted on 5/21/14 at 10:07 am to Warfarer
low interest rate cards do not give good rewards.
Posted on 5/21/14 at 10:07 am to LarrytheGolfer
quote:
Don't get a credit card. They are a scam.
i laugh at you weak minded people that cant control your spending. Posted on 5/21/14 at 10:08 am to Warfarer
You shouldn't worry about interest rates because you shouldn't be carrying a balance. Some of the best rewards cards have annual fees and most of the time it is worth paying it because the rewards far out weigh the annual fee. A lot of cards will also waive the annual fee in the first year. It really depends on what type of rewards you are looking for (cash back, airline miles, hotel points, etc).
Also, do not cancel your oldest cards (they help your credit score the most).
Also, do not cancel your oldest cards (they help your credit score the most).
This post was edited on 5/21/14 at 10:09 am
Posted on 5/21/14 at 10:08 am to CarRamrod
quote:
i laugh at you weak minded people that cant control your spending.
I laugh at you people who borrow money at high interest rates.
Posted on 5/21/14 at 10:09 am to Warfarer
Chase slate
Discover it
American Express Blue
All good cards.
Discover it
American Express Blue
All good cards.
Posted on 5/21/14 at 10:09 am to BACONisMEATcandy
quote:you really dont need to do this. my first credit card i havnt used in like 15 years.
Just use them once every 8 months to buy gum or lunch
Posted on 5/21/14 at 10:09 am to LarrytheGolfer
quote:
Don't get a credit card. They are a scam
No they aren't. I make money with my credit cards every year.
Posted on 5/21/14 at 10:09 am to Chad504boy
quote:Freedom is the best Chase card.
Chase slate
I use a freedom and Sapphire. I just reduced ti the regular sapphire over the sapphire prefered since my free year was up/.
This post was edited on 5/21/14 at 10:11 am
Posted on 5/21/14 at 10:10 am to Chad504boy
quote:Got this one about a month ago
Discover it
Posted on 5/21/14 at 10:10 am to CarRamrod
quote:
i laugh at you weak minded people that cant control your spending
I would argue that a lot of business owners feel the same way but for other reasons
Posted on 5/21/14 at 10:11 am to CarRamrod
quote:
you really dont need to do this. my first credit card i havnt used in like 15 years.
It varies from company to company. Better to be safe than sorry
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