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Recommend a Credit Card
Posted on 10/6/12 at 12:48 pm
Posted on 10/6/12 at 12:48 pm
I recently paid off my truck and have no debt. I don't want to carry on with no payment history. I travel A LOT for work and would be putting a hotel and rental car on my card regularly. To give you an Idea how much would be on the card, I have been out of town for the last 4 months and could be spending 800-1200 a month for a rental car 500-1000 for plane tickets, and another 3-4k a month for hotel.
right now I am direct billing everything to my company but I would like to have a CC to help with my credit score/payment history and want something to give me some type of rewards for the amount I would be using it.
thanks for your help.
right now I am direct billing everything to my company but I would like to have a CC to help with my credit score/payment history and want something to give me some type of rewards for the amount I would be using it.
thanks for your help.
This post was edited on 10/6/12 at 1:12 pm
10
Posted on 10/6/12 at 1:19 pm to DieselTiger1
quote:
last 4 months and could be spending 800-1200 a month for a rental car 500-1000 for plane tickets, and another 3-4k a month for hotel. right now I am direct billing everything to my company
Good god, you have wasted alot of chances to earn reward points.
Depending on what airline or hotel you like, I have a Southwest Visa and an American Express Hilton card that work very well for me. I charge every possible thing I can on them.
Posted on 10/6/12 at 1:22 pm to DieselTiger1
I would honestly get the airline and hotel chains card you use the most... Rack up those points
Posted on 10/6/12 at 1:32 pm to DieselTiger1
Flyertalk has a forum dedicated to this topic, see LINK.
Posted on 10/6/12 at 1:39 pm to DieselTiger1
quote:Why not? I pay cash for everything and my credit score is over 800. "If you don't have a credit card, you will have a bad credit score" is such a ridiculous myth. Don't buy into it.
I don't want to carry on with no payment history.
If you want a CC for convenience that's understandable. Rewards? Meh - that only encourages you to spend more money. The extra you spend frivolously negates any cash back you get. If you are disciplined to only use if for business expenses and necessities then that would be beneficial. But most people use a credit card to make a spontaneous purchase they would not have otherwise made with a check or cash. And no, that's not my opinion, that's based on a study by Dunn & Bradstreet.
Posted on 10/6/12 at 3:43 pm to DieselTiger1
One of the Amex travel cards is the way to go. No pre-set limits and the best customer service of any of the cards.
Posted on 10/6/12 at 4:53 pm to DieselTiger1
Dude, you could've been George Clooney in "Up In the Air" if you wanted.
Posted on 10/6/12 at 10:26 pm to DieselTiger1
Starwood Amex (SPG): points transfer at a 1:1 ratio to many airlines, so you aren't limited to just one. Just cancelled my American Airlines card in favor of this.
I use a BoA cash rewards visa for gas. It gives 3% cash back on gas.
Also look for great deals on bonuses. Google can help with that.
I use a BoA cash rewards visa for gas. It gives 3% cash back on gas.
Also look for great deals on bonuses. Google can help with that.
This post was edited on 10/6/12 at 10:28 pm
Posted on 10/7/12 at 8:35 am to DieselTiger1
Look at the Chase Freedom card just for now.
$100 back for spending $500 and 5% on airfare and hotels right now.
$100 back for spending $500 and 5% on airfare and hotels right now.
Posted on 10/7/12 at 9:08 am to DieselTiger1
I use Amex Preferred Cash Rewards. 6% on groceries, 3% on gas, 1% on everything else. They have some travel ones that would probably fit you better.
Don't be afraid to pay an annual fee, with how much you travel your rewards will easily cover it.
Don't be afraid to pay an annual fee, with how much you travel your rewards will easily cover it.
Posted on 10/10/12 at 12:10 pm to DieselTiger1
I've used United's Mileage Plus Chase card and it's been pretty good. You have really missed out on a LOT of reward points through hotel and airfare.
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