Poll of the Day > hey balor whats a good rewards credit card

(+) Yeah! (+)

my rewards are slacking on my current card i feel, a capital one venture card.

i also have an amazon prime visa card, i bought it to get a 70 dollar gift card. only two ive ever owned.

My credit score is 764, and has been consistently rising, and right now my CC balance is zero. so maybe not something super swanky but what do you suggest?

While not a rewards card, I get 0.5% cashback just for using my normal everyday Debit Card, under the stipulation that the purchase was made via "The Tap" (their new thing)
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Citi Double Cash is current best option. 2% on everything.

Depends on what you want.
Citi Double cash is the currently the best for cash back and is probably your best bet. If you want cards for travel rewards, there are a lot more options.
I use Amex Gold (Premier Rewards). It is good for getting free first class plane tickets with most airlines and has a lot of nice perks (last month my car died and they sent someone out to fix it).
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What's the annual fee on the Amex Gold?

nurlen posted...

What's the annual fee on the Amex Gold?

$195
There is a loophole you can use to get a free $100 Delta gift card every year though, so it is really more like $95.
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Wait

They charge you just for having the card?
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not too bad, maybe if I traveled more. Or...at all.

Mead posted...

Wait

They charge you just for having the card?

Ya, most high-end cards do. You have to factor it in when deciding if it is worth it.
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Pfft
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CountessRolab posted...

Amex Gold

how bad u git fucked if you dont pay it off one month

argonautweakend posted...

CountessRolab posted...

Amex Gold

how bad u git fucked if you dont pay it off one month

Supremely fucked. You are technically required to pay it off every month (it is actually a charge card, not a credit card. There is a difference). If there is ever a chance you will have to carry a balance, it is not the card for you.
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yeah but what happens

argonautweakend posted...

yeah but what happens

They charge you fees and dont let you make any more purchases (the card doesnt have a preset spending limit). If you have good credit, they will let you carry a balance at 18%-30% interest.
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if i got an amex gold premier card assuming i pay on time...


...how much $ would i roughly need to charge to offset the 195 dollar fee im points?

argonautweakend posted...

if i got an amex gold premier card assuming i pay on time...


...how much $ would i roughly need to charge to offset the 195 dollar fee im points?

Oh god. That is a complicated question and there are a lot of articles online about it. It really depends on how you redeem them. It is really only good for first class airfare.
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Oh, what would be the best card to just get a better credit score?
I've never had anything so my credit score is basically blank.

any.

shadowsword87 posted...

Oh, what would be the best card to just get a better credit score?
I've never had anything so my credit score is basically blank.

The card is irrelevant, though the limit can have an impact.
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argonautweakend posted...

any.

CountessRolab posted...

The card is irrelevant, though the limit can have an impact.

Cool, I can have some fun with that then.

shadowsword87 posted...

argonautweakend posted...

any.

CountessRolab posted...

The card is irrelevant, though the limit can have an impact.

Cool, I can have some fun with that then.

What bank do you have. Most of them have a great starter card that has like a $300 limit so you can get the feel of having a balance and paying it off quick. After 3 months of timely paying my limit increased to $3800. I have a Capital One Platinum
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So do you pay interest on a charge card or just the annual fee?
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getting an amex gold card sound tempting because the first year is free i recall hearing.

so thats neat, though it probably wouldnt be a good idea to just close the account after a year, so i'd end up paying long term.

But if the rewards are good that could easily be worth it.

I have a capital one card and i'd say with two one way flights cross country absolutely free I made out about equal to what the fees would be on amex, and it gives better rewards.

If you go with Amex gold, PM me and let me send you a referral link haha. Share the wealth.
Another option is the Amex Everyday Card. It is the only card that gives Amex points with no annual fee.
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I cant do this right now. Though I should get more regular credit cards, as I started out never wanting one, then i got one, and found it was rediculously easy to manage, then i got the amazon card specifically to get 70 dollars free, its working well so far, managing two is pretty simple. I've been pretty regular with my cards, so my credit score has only risen as a result. right now its....765. I actually learned a tip today: pay off your cards each week rather than month.

If I was a little bit more financial secure i think amex might be for me, but not atm

hey balor if you were a super hero would you keep a bullet proof amex black over your heart in case you get shot there?

argonautweakend posted...

hey balor if you were a super hero would you keep a bullet proof amex black over your heart in case you get shot there?

I already do.
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Amazon has a pretty good one Amazon Prime credit card 5% of your amazon purchases come back as points and 2% at restaurants, gas stations and 1% everywhere else. You use the points on Amazon's site like cash.

No annual fee as long as you maintain an Amazon Prime account.
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argonautweakend posted...

I actually learned a tip today: pay off your cards each week rather than month.

Yep. Although I do it by weekly since that's how often I was getting paid. First thing I did after my pay check was deposited was to pay off my CC balance.
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Really though, Amex everyday might be more for you. It was the first Amex card I had, and after a year they sent me a 60k point promo to get the gold (which I did). I still have it even though I dont use it.
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that sounds tempting.

my workplace might count as a grocery store them 2x points

Also message me for a referral lol
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