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| Topic | what is a good credit card for a beginner? |
| andrewl923 12/11/20 9:57:58 PM #36: | pojr posted... Sounds like you have multiple credit cards. I hear that's a thing, especially in the Reddit community. People will sign up for multiple credit cards and use them each during specific times. Although I think it's brilliant to do, for me I'm a beginner and I know I would probably fuck myself over at some point. I'm just too uneducated to do something like that. That's call churring, and I feel that subreddit goes super extreme in their method. I have 3 main cards that pretty much gets me all the points I need. Chase Freedom Unlimited: My everyday card. Using it gives me 1.5% for everything. They actually bumped dinning to 3% recently, and that made me use it even more. No annual fee makes this my favorite card. Chase Freedom: This is for special purchases depending on the quarter categories. For this Oct-Dec, purchases using Paypal or Walmart gets me 5%. Note that categories change every quarter, and sometimes that quarter sucks. But it has no annual fee, so no point in canceling it. Chase Freedom Sapphire: For traveling internationally and car rental insurances. It covered me when my rental window got smashed from a break in, and I didn't pay a cent. It lets me pool all my earn points from the 3 cards together for travel purchases. You can also transfer those points to certain airlines, and use them as miles. Dining is also 2%, but it got beaten by the Chase Freedom Unlimited recently so I don't use it as much now. This one has a $95 annual fee though. I also have a Target Redcard for 5% off since I shop at Target alot, but that is just a debit card so it has no affect on my credit. I also have an AMEX and Discover card, but I don't use it anymore and it has no annual fee. --- ... Copied to Clipboard! |
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