Didn't want to start a new thread so I'll ask here.

I have two credit cards: I got one in college and recently got one through Best Buy. I have relatively low limits for each (less than $1000). I'm trying to build my credit and was looking into one of these for gas/groceries. My question is which card is the best for me as I will probably not be approved for a lot given my limited credit history?

Side question. Is it better to just get one of these reward cards where I can use it on any gas station or getting a specific card for say, Shell or Chevron?

Excuse my ignorance on this as I am young and trying to learn all this mumbo jumbo.

This post was edited on 12/5/12 at 9:51 am

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Posted by Croacka

Denham Springs

Member since Dec 2008

61441 posts

Posted on 12/5/12 at 1:11 pm to LouHoltz

The best rewards cards can have pretty tough guidelines for approval

The penfed platinum card is great for gas and you wont be tied to a brand, just have to donate to a military charity on the penfed site to become a member

The Amex blue cash is great all around but they are very stringent on approvals

This post was edited on 12/5/12 at 1:12 pm

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Posted by bryso

Member since Dec 2006

27130 posts

Posted on 12/5/12 at 1:35 pm to LouHoltz

quote:
My question is which card is the best for me as I will probably not be approved for a lot given my limited credit history?

i suggest you apply for the amex blue card... the one without the fee.. you prob won't get the preferred card...

if you get it just use it for a fee months then CALL them and apply for the preferred card if you feel like you need it.

with your limited credit history i wouldnt go out and apply for two random cards in a short window.

if you don't get the amex blue card try for the citi forward card.

This is a good site to compare the cards
LINK

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Posted by Cajun Revolution

Member since Apr 2009

44671 posts

Posted on 1/8/13 at 3:15 pm to LouHoltz

quote:
Excuse my ignorance on this as I am young and trying to learn all this mumbo jumbo.

I would recommend the Bank of America Platinum Plus...otherwise known as...the MBNA LSU Card from 1999-2004. They gave them out to everybody with $500 or $1000 limits and slowly built up. No rewards though