Current Events > ATTN: _BlueMonk. I need advice on getting a new credit card.

(+) Yeah! (+)

I'm looking to get a new credit card, but I want to know what cards have the best rewards/benefits. I see you posting about new cards and what their rewards are often, so you seemed like the best person to ask.

I don't care about travel and I'm willing to pay an annual fee. I've had offers for the Citi Double Cash card, is that any good?

Suggestions from other CEmen are also appreciated.

@_BlueMonk
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Asking bluemonk for credit advice is like asking squader for legal suggestions.
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well @MixedRaceBaby doesn't seem to be active anymore.

edit: oh wait, there he is.
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In this thread private messaging doesn't exist.

Hexagon posted...

In this thread private messaging doesn't exist.

ITP you didn't read the entire OP
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Bullet_Wing posted...

Burgess posted...

Asking bluemonk for credit advice is like asking squader for legal suggestions.

Or asking Tadamoto for girl advice

I'm just asking which ones have the best rewards.
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https://www.reddit.com/r/churning/

that's a community dedicated to maximizing rewards by getting new cards frequently, but you'll probably find some of their info useful.
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Hexagon posted...

In this thread private messaging doesn't exist.

I'm asking all CEmen. I just put it to his attention because he posts about it often.
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Giant_Aspirin posted...

https://www.reddit.com/r/churning/

that's a community dedicated to maximizing rewards by getting new cards frequently, but you'll probably find some of their info useful.

Thanks!
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menelaus329 posted...

Hexagon posted...

In this thread private messaging doesn't exist.

I'm asking all CEmen. I just put it to his attention because he posts about it often.

Why would I read the entire post when you wrote in capital letters asking for the attention of another user?

The best rewards cards for you are going to be dependent on how you use the them. Cards like the Citi DC offer a flat 2% cash back on all purchases. Other cards offer a larger cash back percentage, but only if you spend on certain categories (e.g., gas and groceries).

I spend a lot on dining and travel, so a travel card was ideal for me.
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Hexagon posted...

menelaus329 posted...

Hexagon posted...

In this thread private messaging doesn't exist.

I'm asking all CEmen. I just put it to his attention because he posts about it often.

Why would I read the entire post when you wrote in capital letters asking for the attention of another user?

well, you don't have to, but you just make yourself look foolish when you comment on something without reading it first.
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I love my Citi DC. And dont ask Bluemonk about credit cards
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Super Saiyan 3 Goku posted...

The best rewards cards for you are going to be dependent on how you use the them. Cards like the Citi DC offer a flat 2% cash back on all purchases. Other cards offer a larger cash back percentage, but only if you spend on certain categories (e.g., gas and groceries).

I spend a lot on dining and travel, so a travel card was ideal for me.

Yeah, I just noticed this. I like the flat 2%, but this is giving me more to think about.

Thanks for the input.
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Giant_Aspirin posted...

Hexagon posted...

menelaus329 posted...

Hexagon posted...

In this thread private messaging doesn't exist.

I'm asking all CEmen. I just put it to his attention because he posts about it often.

Why would I read the entire post when you wrote in capital letters asking for the attention of another user?

well, you don't have to, but you just make yourself look foolish when you comment on something without reading it first.

I did read what I commented on.

RebelElite791 posted...

I love my Citi DC. And dont ask Bluemonk about credit cards

Right now it's looking like the best card for me.
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It's certainly one of the better fee-less cards. I wouldn't pay an annual fee unless you make/spend enough as to where the rewards are going to outweigh the fee.
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Which ever card you're qualified for that has the highest interest rate and highest annual fees. Bonus if you can get high balance transfer fees
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As someone who pays his balances in full each month and doesn't want to waste his time playing games for meager credit card rewards, I love my DC card. No games with rewards, no annual fee. Good fraud protection as well. As you mentioned, unless you travel a lot or shop at one particular retailer a lot, there's not much better.
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citi doublecash, capitalone quicksilver are the best if you don't have large account balances

BoA cash rewards is actually the best if you do, because if you qualify for their highest tier, you get much bigger overall cash back (~5.25% on gas, 3.5% on groceries, 1.75% everything else)
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Hexagon posted...

I did read what I commented on.

You're really digging into an ignorance hole.
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Darkman124 posted...

citi doublecash, capitalone quicksilver are the best if you don't have large account balances

BoA cash rewards is actually the best if you do, because if you qualify for their highest tier, you get much bigger overall cash back (~5.25% on gas, 3.5% on groceries, 1.75% everything else)

The downside with them is that I've personally found that BoA has terrible customer service (having worked in CS, I am very tolerant/realistic as to what good CS is and is not). Citi and Chase have both been much better to me. Thats just anecdotal though.
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Chase Freedom is pretty baller
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Teen Girl Squad posted...

The downside with them is that I've personally found that BoA has terrible customer service (having worked in CS, I am very tolerant/realistic as to what good CS is and is not). Citi and Chase have both been much better to me. Thats just anecdotal though.

i've had no probs with BoA service on their card
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lol why is everyone mad at me?

just a side note i just checked in online for my American Airlines flight im taking tomorrow to LA. staying at the Hyatt hotel. all of this is funded by my credit card points lol. but apparently i dont know shit about credit cards.

anyway

doublecash is great. no AF, 2% back. what more could you ask for?

a lot of churners like that reddit you got linked to (seriously take the time to read the sidebar before you start asking questions cuz they are getting toxic and will rip you to shreds if you ask "hey what's a good card?") will advocate Chase cards. the Freedom card gets 5% back on rotating categories up to 1500 dollars per quarter. lots of other cards do this (citi dividend, discover IT) but chase's points are really flexible. sure you may not like travel now, but maybe later you can, and if you get a Chase Sapphire card, you can transfer them and use them for travel at a higher redemption rate (Reserve gets 1.5x redemption). but in the meantime, you can get cash back for your UR and 1 cent per point. so 10,000 points is 100 dollars. No AF for the freedom. there's also the freedom unlimited. same card, but no 5% cash back but you get 1.5% on all purchases.

my current set up is this:
Freedom unlimited for everyday purchases at 1.5% cashback/points
Chase Sapphire Reserve for travel and dining at 3% cashback/points
Chase Business Ink Preferred for internet, phone, and paying rent at 3% cashback/points

i transfer everything to the Sapphire Reserve and redeem it all at 50% more value. its working great so far. plus the other benefits of the card (cell phone insurance from the ink, airport lounges for free from the reserve) make it waaaaay worth it. i did the math and this current set up gets me 1000 dollars worth of value every year toward travel!

Annual fees may seem like a lot, but they're more of an investment. sure i pay 550 dollars a year for my cards, but i get 1550 back from using them (thus the net 1000 in value). its a no brainer.

but i understand that sometime you dont have the capital to front the costs first, that's why the citi double cash is good, and the freedom/freedom unlimited.

but the real money comes from sign up bonuses. look on /r/churning or Doctor of Credit (a website) for the best credit card offers. usually you can get 200-500 dollars just from opening a card and spending a certain amount in a certain timeframe (ie 4000 dollars in 3 months). as l ong as you dont spend more than you would normally, it's free money. i've gotten 2000 dollars of points from chase alone just from opening their cards! Amex gave me 200 and i got even more from opening banks

then theres referral bonuses! i got 275 dollars just form people clinking my links this year!

lemme know if you have any other questions, or if tehres a card you want and ill let you know how it is. come cards like the Capital one venture are just not worth it, cuz the Double Cash exists lol.
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BoA customer service has been terrible for me. Just the other day, I called them up to verify something on my account and was put on hold for a staggering 40 minutes before I spoke to anyone.

On my Chase Sapphire Preferred, I call the number on the back of the card and a LIVE person answers on the first ring.
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Super Saiyan 3 Goku posted...

On my Chase Sapphire Preferred, I call the number on the back of the card and a LIVE person answers on the first ring.

that scared me the first time i called. i called, and i heard ambient sounds of a room on the other end and i was freaked out. then the guy started talking and i was like WHAT A HUMAN!??!

but this morning i called the number on my reserve and i had to listen to 3 prerecorded things and like 10 seconds of hold music before someone answered. so i guess even when they are busy the wait time is short lol.
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Super Saiyan 3 Goku posted...

BoA customer service has been terrible for me. Just the other day, I called them up to verify something on my account and was put on hold for a staggering 40 minutes before I spoke to anyone.

On my Chase Sapphire Preferred, I call the number on the back of the card and a LIVE person answers on the first ring.

i never experience this, probably because i'm in whatever they call their top tier of customer

i get a different help # with no wait times

all i had to do for this was use them for my roth
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_BlueMonk posted...

lol why is everyone mad at me?

just a side note i just checked in online for my American Airlines flight im taking tomorrow to LA. staying at the Hyatt hotel. all of this is funded by my credit card points lol. but apparently i dont know shit about credit cards.

anyway

doublecash is great. no AF, 2% back. what more could you ask for?

a lot of churners like that reddit you got linked to (seriously take the time to read the sidebar before you start asking questions cuz they are getting toxic and will rip you to shreds if you ask "hey what's a good card?") will advocate Chase cards. the Freedom card gets 5% back on rotating categories up to 1500 dollars per quarter. lots of other cards do this (citi dividend, discover IT) but chase's points are really flexible. sure you may not like travel now, but maybe later you can, and if you get a Chase Sapphire card, you can transfer them and use them for travel at a higher redemption rate (Reserve gets 1.5x redemption). but in the meantime, you can get cash back for your UR and 1 cent per point. so 10,000 points is 100 dollars. No AF for the freedom. there's also the freedom unlimited. same card, but no 5% cash back but you get 1.5% on all purchases.

my current set up is this:
Freedom unlimited for everyday purchases at 1.5% cashback/points
Chase Sapphire Reserve for travel and dining at 3% cashback/points
Chase Business Ink Preferred for internet, phone, and paying rent at 3% cashback/points

i transfer everything to the Sapphire Reserve and redeem it all at 50% more value. its working great so far. plus the other benefits of the card (cell phone insurance from the ink, airport lounges for free from the reserve) make it waaaaay worth it. i did the math and this current set up gets me 1000 dollars worth of value every year toward travel!

Annual fees may seem like a lot, but they're more of an investment. sure i pay 550 dollars a year for my cards, but i get 1550 back from using them (thus the net 1000 in value). its a no brainer.

but i understand that sometime you dont have the capital to front the costs first, that's why the citi double cash is good, and the freedom/freedom unlimited.

but the real money comes from sign up bonuses. look on /r/churning or Doctor of Credit (a website) for the best credit card offers. usually you can get 200-500 dollars just from opening a card and spending a certain amount in a certain timeframe (ie 4000 dollars in 3 months). as l ong as you dont spend more than you would normally, it's free money. i've gotten 2000 dollars of points from chase alone just from opening their cards! Amex gave me 200 and i got even more from opening banks

then theres referral bonuses! i got 275 dollars just form people clinking my links this year!

lemme know if you have any other questions, or if tehres a card you want and ill let you know how it is. come cards like the Capital one venture are just not worth it, cuz the Double Cash exists lol.

Awesome! Thanks for the advice.

And Thank you to everyone else for making suggestions.
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_BlueMonk posted...

lol why is everyone mad at me?

I mean you did once say that DC and CFU were premium cards that were super hard to get which throws your entire CC knowledge into doubt
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RebelElite791 posted...

I mean you did once say that DC and CFU were premium cards that were super hard to get which throws your entire CC knowledge into doubt

LOL when did i ever say that? they aren't premium cards.

yall are making stuff up now.
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I use the Bank of America cash rewards card mentioned earlier and it's worked well for me. I'd probably have the double cash if I didn't spend as much as I do on gas