Poll of the Day > I need to get myself a new credit card, but IDK what to get!

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argonautweakend
12/30/18 10:22:42 PM
#1:


In a change of pace from cash!!!

But yeah I have the capital one venture card with 2x points on travel, but i no longer need the travel points so im thinking strictly cash back.

Im thinking:

capital one quicksilver. 1.5% cash back everywhere, and as a bonus if I spend $500 in 3 months I get $150 for free...so like thats easy as hell to get and free money.

Citi double cash...1% cash back and 1% when you pay, so essentially 2% everywhere for me

But I was looking into my banks line of credit cards and one Intrigues me.

4% back on gas
3% on dining(including fast food)
2% back on groceries
1% everywhere else

You dont need to choose these categories or sign up or track or anything its just the fixed tier you get every purchase. So I dont need to go "oh, this month I need to eat out cause cash back" I can just eat out as I do and get 3% every time. No sign up bonuses, but this

should scale down to higher than 2% like that Citi card if I buy everything with it.

any recs, folks? tryna not have a yearly fee as well, though if the first year is free i might consider it depending.
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#2
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StoneRevolver
12/31/18 12:00:09 AM
#3:


Chase is excellent. That's what I got to build credit.
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DPsx7
12/31/18 12:08:06 AM
#4:


Gas costs more if you use credit (I assume this isn't a local thing) so that negates your one bonus.
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argonautweakend
12/31/18 12:15:14 AM
#6:


I dont know if that happens around here but ive never seen it adveritsed. it could be real but its noted troll dpsx7 talking so

usually the only places with such a charge are smaller mom and pop stores.
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LinkPizza
12/31/18 1:11:42 AM
#8:


I would also like to know a good credit card to get...
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Mead
12/31/18 1:14:40 AM
#9:


Look around for the lowest APR you can find, thats the best card you can get
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Zeus
12/31/18 1:30:07 AM
#11:


argonautweakend posted...
In a change of pace from cash!!!


Cash is the worst, unless you're involved in criminal enterprise (or just avoiding paying taxes)
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LinkPizza
12/31/18 1:36:57 AM
#12:


Zeus posted...
argonautweakend posted...
In a change of pace from cash!!!


Cash is the worst, unless you're involved in criminal enterprise (or just avoiding paying taxes)

I heard you could make good money in criminal enterprises...
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argonautweakend
12/31/18 1:47:09 AM
#13:


Zeus posted...
argonautweakend posted...
In a change of pace from cash!!!


Cash is the worst, unless you're involved in criminal enterprise (or just avoiding paying taxes)


literally might be the dumbest thing ive heard in ages
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DPsx7
12/31/18 2:00:47 AM
#14:


Zangulus posted...
DPsx7 posted...
Gas costs more if you use credit (I assume this isn't a local thing) so that negates your one bonus.


Not everywhere does that.


Lucky, they do here. I always carry some cash so it's not an issue for me.
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Zeus
12/31/18 2:52:11 AM
#15:


argonautweakend posted...
Zeus posted...
argonautweakend posted...
In a change of pace from cash!!!


Cash is the worst, unless you're involved in criminal enterprise (or just avoiding paying taxes)


literally might be the dumbest thing ive heard in ages


Literally means you're sheltered.

DPsx7 posted...
Zangulus posted...
DPsx7 posted...
Gas costs more if you use credit (I assume this isn't a local thing) so that negates your one bonus.


Not everywhere does that.


Lucky, they do here. I always carry some cash so it's not an issue for me.


Eh, even in places where some gas stations do it, other ones don't. Plus depending on the points category, you can save more by paying with a card since you can earn 3-5% on the dollar spent vs paying an extra nickel per gallon.
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argonautweakend
12/31/18 3:48:46 AM
#16:


what? cash is used in illegal stuff, but on the other hand you seem to be implying its the only thing its used for

besides which i do pay sales tax when im at the store and use cash
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