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PortCityMadMan
SMU Fan
Member since May 2008
1057 posts

First Credit Card Suggestions
Looking to get first credit card. Have always used a debit card and would like to find a card that has some sort of reward system. I know there are a couple threads saved on the topic but rather long or out dated. Looked at some AMEX and Capital One options, but not sure how to decide which would be best.

Wife and I do not travel much so not sure something directly tied to airline miles would make sense. My intent would be to use it in place of my debit card and pay it off every month. If there are details I can provide to help someone suggest something that is best for me I am happy to do that.


VABuckeye
Ohio State Fan
Oak Hill, VA
Member since Dec 2007
19660 posts

re: First Credit Card Suggestions
Do you have any established credit? Rewards cards are generally premium cards.

You might be able to start with a Chase Freedom, Capital One Quicksilver or entry level Discover cards for rewards.


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tigerfootball123
LSU Fan
Member since Sep 2009
730 posts

re: First Credit Card Suggestions
^ what buckeye said

I had trouble getting my first card due to not having a credit history.

One route would be to go to Chase or Bank of America, explain your situation, and tell them you want your first card.

Another route would be to get your parents to make you an authorized user on their card, that way you'll build credit immediately. Then in a few months apply for your own card


PortCityMadMan
SMU Fan
Member since May 2008
1057 posts

re: First Credit Card Suggestions
Yes, when I got my score last month buying a vehicle it was 790 something so doubt I would have an issue with credit.


TigerintheNO
LSU Fan
New Orleans
Member since Jan 2004
28985 posts

re: First Credit Card Suggestions
Discover in not a bad first card to get. No annual fee, cash back rewards, free credit score , and their customer service is domestic, so your not talking with people in India.


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Rhames
Arkansas Fan
Member since Apr 2013
624 posts

re: First Credit Card Suggestions
Amex blue cash back. The premium is worth the 95 bucks if you are looking for higher cash back percentages.


PortCityMadMan
SMU Fan
Member since May 2008
1057 posts

re: First Credit Card Suggestions
In your opinion is cash back the better option versus some sort of reward points?


Rhames
Arkansas Fan
Member since Apr 2013
624 posts

re: First Credit Card Suggestions
To me it is. I usually get about 20 to 25 bucks back a month. I'm sure some ot ballers get double or triple that. I also pay my balance in full every month. Not sure how cash back works or is distributed if you carry a balance. (Not saying you would)


You can let the cash back build up or cash in for at least 25 bucks at a time.


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VABuckeye
Ohio State Fan
Oak Hill, VA
Member since Dec 2007
19660 posts

re: First Credit Card Suggestions
quote:

Yes, when I got my score last month buying a vehicle it was 790 something so doubt I would have an issue with credit.


You may or you may not. If your credit file is extremely thin that 790 means a lot less than you think it does. Premium cards want to see a history of using credit lines responsibly.


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swanny297
LSU Fan
NELA
Member since Oct 2013
2017 posts

re: First Credit Card Suggestions
We don't travel much either we have been using the Chase Amazon card for a couple years, pays for Christmas for the boys at the end of the year. They now have a prime card as well if you are prime member - 5% back on Amazon purchases.


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UltimaParadox
Alabama Fan
Huntsville
Member since Nov 2008
8262 posts

re: First Credit Card Suggestions
If you are not redeeming for travel points then that rules out a lot of the more lucrative options.

No hassle wise and not digging into what you spend your money on, the Citi Double Cash is the card to beat with no annual fee.


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