- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
Best Credit Card for mid-20 year old
Posted on 5/20/21 at 9:43 am
Posted on 5/20/21 at 9:43 am
Long story short, it's time for me to finally get a credit card. Any suggestions for someone in their mid-20's?
Need to start building credit, but also want to take advantage of points. I plan on putting the basics on there. Rent, gas, groceries, etc.
TIA
Need to start building credit, but also want to take advantage of points. I plan on putting the basics on there. Rent, gas, groceries, etc.
TIA
This post was edited on 5/20/21 at 9:45 am
23
Posted on 5/20/21 at 10:01 am to atrain5
Discover is always a good one to start out with
Posted on 5/20/21 at 10:05 am to atrain5
I’m a fan of the Sam’s Club credit card. Big time cash back rewards.
Posted on 5/20/21 at 10:22 am to atrain5
If you're looking for just 1 do it all free card, citi double cash is hard to beat with 2% reward rate and fee free.
Also I would highly recommend not putting your rent on a credit card if they charge a fee to do so, most places do. Dont get hit with a 3% fee to make 2% rewards.
Also I would highly recommend not putting your rent on a credit card if they charge a fee to do so, most places do. Dont get hit with a 3% fee to make 2% rewards.
Posted on 5/20/21 at 10:26 am to atrain5
If your main CC transactions are gas and groceries Amex blue is a solid card
Posted on 5/20/21 at 10:29 am to atrain5
quote:
I plan on putting the basics on there. Rent, gas, groceries, etc.
Landlords will let you pay rent with a credit card?
Posted on 5/20/21 at 10:34 am to atrain5
I did a Best Buy credit card when i was 18, good start to build credit they were offering 12 months interest free at the time
Posted on 5/20/21 at 10:40 am to LSU in Frisco TX
quote:
I’m a fan of the Sam’s Club credit card.
5% back on gas anywhere and 3% back on restaurants/entertainment/travel. My MIL swears by her sams cc
As for OP, if you have a nice cushy six figure income and use your card for all purchases you can’t go wrong with an Amex Platnium, the benefits alone make the high annual fee worth it.
Chase Sapphire or Freedom cards has some pretty nice benefits as well with very low if no annual fees.
Posted on 5/20/21 at 10:45 am to atrain5
The Citi Double Cash is a good all around card if you only want a single card. Costco and Sam's have good cards if you have a membership to either of those. AMEX has cards good for groceries. It depends on what you want.
Posted on 5/21/21 at 8:32 am to LafayetteTiga
quote:
I did a Best Buy credit card when i was 18, good start to build credit they were offering 12 months interest free at the time
same here. I thought I was big shite financing a $700 TV with a couple grand to my name.
Posted on 5/21/21 at 8:37 am to atrain5
Posted on 5/21/21 at 9:14 am to atrain5
Depending on your credit profile. Look at ones that are offering a welcome bonus like $200 or $500 when you spend $1000 plus the ones that offer other bonuses too. Stay away from ones with annual fees at first.
Posted on 5/21/21 at 1:04 pm to jchamil
quote:
Landlords will let you pay rent with a credit card?
Where I live allows it
Posted on 5/21/21 at 2:26 pm to atrain5
Discover It card or Amex blue cash
Posted on 5/21/21 at 3:54 pm to atrain5
If you have a thin file, you may actually have very limited choices starting out. I was once in your shoes, and I had to get a secured credit card and use it for a while before I could get approved for a card with much better rewards. It seems many companies would rather accept subpar credit scores than thin files.
Posted on 5/21/21 at 4:00 pm to atrain5
quote:The one you have researched based on your own criterion and decided on.
Best Credit Card for mid-20 year old
For me, it would be a card which provides great incentives to use and run up the tab, while I never ever would carry a balance.
Posted on 5/22/21 at 1:15 am to atrain5
Check out the Chase Sapphire Preferred. Visa is a good all around choice and is accepted pretty much everywhere. I got this one to use internationally and it was an added bonus to have when Costco stopped taking Amex.
Posted on 5/22/21 at 4:46 am to atrain5
If you’re a prime customer, Amazon offers a great one with 5% cashback on all Amazon purchases, like 2-3% on other purchases. This was years ago, not sure if the offer still applies
Posted on 5/22/21 at 9:47 am to RebelExpress38
I have the Amex blue preferred and usually triple my 75 dollar annual fee in rewards just paying for groceries on it.
Another great thing about the Amex blue preferred is 6% back on a lot of the internet fees and streaming services.
Another great thing about the Amex blue preferred is 6% back on a lot of the internet fees and streaming services.
Page 1 of 2
Popular
Back to top
Follow TigerDroppings for LSU Football News