best credit cards reddit

Top Amex credit cards. Somewhat of a rarity in the realm of secured credit cards, the Discover it® Secured Credit Card provides cardholders with competitive cash back rewards. To find out, we turned to three subreddits: the Reddit best credit card group at r/CreditCards, the Reddit churning group at r/churning, and the personal finance fanatics at r/PersonalFinance. Here are our top-pick cards with the next best below, all with a long 0% period. Press question mark to learn the rest of the keyboard shortcuts. We rounded up the best credit cards of 2021 that can help you build credit, save on interest charges and earn you over $2,000 in five years. I suggest you look at where your money is spent the most before you get best credit card for cash back. The Chase Freedom Unlimited and Citi Double Cash are great options if you have a slightly lower credit score (~700), but otherwise, you might need to get a more basic starter card until you build your credit score up. Blue Cash Preferred® Card from American Express5.0. on American Express's website. Rates & Fees. Annual Fee. $0 intro for the first year, then $95. The Citi Secure MasterCard is one of the best credit cards to help build credit. Make purchases and pay your bill on time each month, and before you know it, your credit might improve. When you apply you must provide a security deposit from $200 to $2,500. PNC points® Visa® Credit Card: Best feature: Four points per dollar on purchases. Just wanted to warn anyone that has the Alaska Airlines Credit Card or any B of A credit card. $0 annual fee. Amazon Prime Rewards - 5% on Amazon purchases, only used for those. Apply online. Best no-fee cards ... Share this article Share on Facebook Share on Twitter Share on Linkedin Share on Reddit Share on Email. I opened the Savor before it had an annual fee, get the SavorOne to avoid the fee. Plus our Rewards Eligibility Calculator will show credit cards you've the best odds of getting. Maximise Reward Points. Best credit card. In the secured credit world, the Discover it® Secured Credit Card stands above the competition. I researched Cash-Back credit cards so you don't have to [Effort Post] Uber Visa -$0 fee - 4% Restaurants \ 3% Travel \ 2% Online purchases \ 1% everything else. The annual fee for the CSR is steep ($450 now, will be $550 in the future), but it comes with $300 travel credit (extended to cover grocery stores and gas stations this year), $120 in DoorDash credit + DashPass, Priority Pass lounge access, Lyft Pink, Global Entry/TSA Precheck, and a $750 sign-up bonus when you spend $4000 in the first three months. Emergency travel and assistance. Here are Select's picks for the top rewards cards: Best Overall: American Express® Gold Card; Runner-Up: Capital One® Venture® Rewards Credit Card; Best … The best credit cards in Canada for 2021 in 26 categories. I had a decent year for the BCP (~$150 after paying for AF), and I think the CSR will ultimately be worth it for dining and travel but I saw a rumor that the AF will be increasing so I'm waiting to hear more on that. Press J to jump to the feed. Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Use WalletHub’s comparison tool to search for the best credit cards for good credit. The potential value of the cash back is weakened by the PNC Cash Rewards® Visa® Credit Card’s limits. Here’s why: This rewards card offers points for all your purchases and even more for purchases at supermarkets, gas stations and restaurants. For example, an issuer may require you to pay a $500 deposit to receive a credit card with a $500 limit. That being said, it's not a good card for building credit since you need an excellent credit score (~750) to qualify for it. Have a couple of credit cards from different companies and I feel like Amex has always provided far superior service. Best for everyday spending: NFCU More Rewards American Express® Card. credit card offers of 2021. Uber Visa Card 17.99 - 28.74% variable APR Or, you might not want the hassle of changing cards every year or so. OP's question is literally the second question under Credit Cards. I believe they are partnered with Ticketmaster so most stadium tours are covered. But most secured cards do not allow deposits as high as $5,000. But it doesn’t stop here. Have this card and love it. Weighing out the value of the rewards to the APR and annual fees is the only way to find the best credit card for you. Credit Karma offers free credit scores, reports and insights. My personal favorite credit card is the Chase Sapphire Reserve (especially since they delayed the annual fee increase until 2021). I didn’t see anything about this before posting. Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked … You’ll also get free access to your FICO credit score so you can keep track of your credit rating and ways to improve it. Best Credit Cards for Fair/Average Credit. The Blue Cash Preferred is a better option for some. Sorry for the long post. Early 2018 was a rough time for speculators who regularly purchased cryptocurrency using their credit cards. 6% back on groceries (SIX! Recommended Credit Score. For tiered rewards, the Chase Freedom is a perennial favorite. The drawback? I'd want to pick things like my cell phone bill and utilities so I can just put them on autopay and forget about it. PLEASE NOTE: Not all credit cards are available to you. To determine which credit cards offer the best value, Select analyzed 234 of the most popular credit cards available in the U.S. We compared each card … Your strategy might be to get the card, spend the minimum necessary to bag any introductory rewards then ditch it. New comments cannot be posted and votes cannot be cast, See more posts like this in r/CreditCards. (and happy spending ;-). CNBC Select analyzed 13 college student credit cards, digging into each card's perks and drawbacks, to find the best of the best based on your spending habits. Why this is one of the best travel credit cards: This card is a good all-around travel credit card for earning unlimited miles. Best Credit Card Categories Best Credit Cards In Canada Rewards & Savings Learn More; Best Cash Back: Scotia Momentum Visa Infinite: 2.08% avg. For those who follow Ramit Sethi or have read his book "I Will Teach You To Be Rich", he has the Amex Platinum, Chase Sapphire Reserve, and the Alliant Cash Back. Citi® Double Cash Card: Best for high flat cash back rate. Cash back cards are usually superior to points/miles, unless you have a plan on how to spend those points/miles that will most benefit you. Some secured credit cards still require income verification for approval. Here’s why: The PNC Cash Rewards® Visa® Credit Card offers high cash back rates on everyday spending, has a $0 annual fee and even offers a small sign-up bonus. While certain combos are more frequently beneficial than others, each person should choose their strategy based on their own circumstances, preferences and, above all, spending patterns. Discover it® Cash Back: Best for Prime Day and the holiday season. It incentivizes paying off your balance (you don’t receive the second 1% until you pay off the purchase), it’s the same rate for every purchase so no checking if a vendor counts for a certain category, and it’s a single card that provides 2% on everything so you can only have one card and still on average get pretty equal rewards to a collection of other cards. Get the most value from your credit card. You want a card that's been open for several years and has never missed a payment. 5.0. on Chase's website. It provides a high rate of return 2% on purchases which is great, but is also an excellent choice behaviorally, an often overlooked factor in financial decision making in my opinion. The Venture Card offers an initial bonus of up to 100,000 miles to new applicants who spend $20,000 in the first 12 months of account opening. The best metal credit card is the Capital One Venture card because it has a stainless steel coating, is made from 75% recycled materials, and offers great rewards. $0 foreign transaction fee. These have largely the same benefits as their personal counterparts, but a business credit card can be a good choice if you want to separate expenses or … Best Credit Cards for Credit Score 580 – 669. One of the best credit cards for beginners is the CapitalOne Secured MasterCard. It has no annual fees and comes with three different deposit amounts. The initial deposit amount is determined based on your credit score. The starting credit limit for this card is $200. NerdWallet rating 4.6/5. Get the info you need to take control of your credit. Annual Fee. is there an annual fee? It is important to pay them in full and on time. PNC Core® Visa® Credit Card: Best feature: 0% introductory APR promotion. 26.99% (V) regular APR. My wife and I have been fighting $9800 of fraudulent bank transfers from our Alaska Airlines Credit card which is backed by Bank of America for over a month now. A secured credit card’s credit limit is equal to the deposit amount. One day, if things return to normal, I may upgrade that card again. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. Find the best credit card for your lifestyle and choose from categories like rewards, cash back and no annual fee. With TPG’s best rewards credit cards from our partners, you can add value, along with points and miles, to your wallet. This article continues our series looking at the best credit cards available in the UK by looking at the fantastic option of the Cashback credit card. A subreddit for discussing any aspect of credit cards. If you were at Nerd Wallet or Bankrate, you won't find this since their lists are dominated by the highest paying advertisers, the … The Capital One® Savor® Cash Rewards card is one of the top rewards cards available. Depends on how much you buy on Amazon to make it worth while. Can you realistically keep the same categories permanently? Find the credit card … Hello everyone! $0 foreign transaction fee. OpenSky® Secured Visa® Credit Card. Gas is pretty much a non-expense during COVID times as well. If you spend less, the 3% no annual fee is better. Choosing the best credit card is an important decision, but don’t stop there. Even though I focus on points/miles, I periodically max out the categories for my Discover It card to get cash back. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account … Intro offer. See related:Best hotel credit cards of 2021. It's about $24k of spending per year with $650 rewards: AmEx Blue Cash Everyday - Only for Gas and Groceries (3% and 2%) unless my Chase Freedom has one as a 5% category. The best credit card in 2021 is the Chase Freedom Unlimited card because it offers top-notch rewards to go along with a $0 annual fee and an introductory APR of 0% for 15 months on new purchases. I'd be happy to consider more premium (i.e. 4% back on all dining and entertainment (SavorOne gets 3%). As you've provided no information about yours, it's impossible to say which combo would be best for you. There are a few rules you will want to follow when using them to get the biggest bang for your credit card buck. with those annual fees, like above) card combos, but I just want to know what is out there and what my options are. To compare it to a card with no annual fee giving 3% on groceries: .06x - 95 = .03x. My wife and I have been fighting $9800 of fraudulent bank transfers from our Alaska Airlines Credit card which is backed by Bank of America for over a month now. Best PNC Credit Cards of May 2021. Chase Freedom - 5% on rotating categories, only used for those categories each quarter. Great for cash back on Best Buy purchases: My Best Buy® Credit Card APR: A variable rate of 25.24% for purchases, but cardholders can get an APR of 11.90% for select purchases eligible for a 48-month reduced rate credit plan (the store sales associate or store website will identify which purchases are eligible for this plan). You might have to start out with "beginner" credit cards with less generous rewards. Sorry for the long post. On Citi's secure site. Be careful following lifestyle coach advice. Mom died, sister committing fraud. $200. You’ll get an incredible bonus of $300 cash … Costco Anywhere Visa® Card by Citi. But, I just seem to use Chase UR's more. PNC Cash Rewards® Visa® Credit Card: Best feature: Up to 4% cash back in bonus categories. If you have a credit score in the "fair" range (580-669, according to FICO), you have a good chance of being approved for this card. QuicksilverOne from Capital One: Best for earning cash back with fair credit. Use your card the right way to get the most for your money. whats the catch though? General advice for people looking for a first credit card in the USA: Since you probably have limited history, find a family member (such as a parent) who has good credit, and ask them to add you as an "authorized user" to one of their cards. Amex Blue Cash everyday card. ... Share this article Share on Facebook Share on Twitter Share on Linkedin Share on Reddit Share on Email. For anyone considering a card with annual fees, just make sure to do some quick math: To break even (i.e. Which Credit Cards are your favorite/best? Many of the credit cards for people with scores 580 – 669 are secured cards, which we’ll talk about in the next section. 690… how are they making money? Best credit cards for general rewards Excellent credit Capital One® Savor® Cash Rewards Credit Card. I love having a hotel credit card or two that have a free night. Our compare cards page will go over all the best credit cards based on parameters you enter in … So reddit I’m coming to you, What are your favorite credit cards and why? 1%-5% Cashback. The annual fee is much lower and the rewards are better than CSR. Top rewards credit cards. I downgraded the amex to the regular one because groceries via Amazon prime didn't code as groceries, so the Amazon card was better for that. Could be travel-only, cash back-only, or a mix of the two. If you spend a lot of money at Amazon, get the Amazon Prime Rewards credit card with 5% back. My biggest expenditures are food, Amazon, drugstores/pharmacies, misc online shopping. Please contact the moderators of this subreddit if you have any questions or concerns. Purchases at grocery stores and wholesale clubs earn 2% cash back, and all other purchases earn 1% back. Jasper Cash Back Mastercard® – Best for referral bonus; Capital One Platinum Credit Card – Best for building credit; Petal®2 “Cash Back, No Fees” Visa® Credit Card – Best for no fees; Capital One QuicksilverOne Cash Rewards Credit Card – Best … Best Delta business credit cards. Please ask questions and contribute to the knowledge surrounding credit cards. It can earn you 2% cash back on every purchase. I know about the Chase/Amex trifecta. Capital One SavorOne - $0 fee - Dining & Entertainment. I feel like having one Amex in your wallet is necessary. Best Unsecured Credit Cards for No Credit. Credit Card Best Annual Fee; 1: American Express Cobalt: Travel rewards card for everyday spending: $120: 2: Scotiabank Gold American Express: Travel rewards card for everyday spending: $120: 3 $39 annual fee. While it is only 1.5% on everything it comes with free $200 (if you spend $500 in the first 3 months) which means you would have to spend 40,000 on the Citi Double Cash to break even. I use Mint and I can breakdown my spending into categories to see what cards I need to maximize my yield. I'm able to get 4.5% back on dining and travel and 1.5% back on everything else when I redeem my rewards for travel through Chase's portal. Gets a straight 2% cash back on everything. These include 'up to' cards, so poorer credit scorers may get a shorter deal than advertised – unless you're showing as pre-approved in our eligibility calculator. Having a good credit score opens up a lot of options, including multiple rewards cards. Chase Trifecta, for sure. Given most Bank of America Travel Rewards credit card … 3. I like the idea of building sky miles for flights but other than that and cash back, I’m unsure as to what the other incentives are. Best cards for Amazon purchases. (Photo by Eric Helgas/The Points Guy) Sign-up bonus: Earn 80,000 Ultimate Rewards points after spending $4,000 in the first three months from opening your account. X = 3166.67. Oldest Age of account: 4-5 years with Wells Fargo. The Merrick Bank Double Your Line™ Platinum Visa® Credit Card is our top choice for best overall credit card for 600 to 650 credit scores because it has generous credit lines, a competitive interest rate, and will monitor your account for an automatic doubling of your credit limit after you make your first seven monthly payments on time. It happened on March 24th and we caught the transfers 6 days later. The best credit cards for gas in Canada. The cards listed above are designed for those with poor or no credit, which makes them a great way to practice responsible credit card use and build a credit history to be proud of. I think it's a good idea to see what your expenditures are like. I follow credit cards pretty carefully, and I really don’t think you can beat the Citi Double Cash card. Among Citi credit cards and cards from other issuers, the Citi Double Cash Card is hard to beat. 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, … Capital One® SavorOne® Cash Rewards Credit Card: Best for no annual fee: Capital One® Quicksilver® Cash Rewards Credit Card: Best for no spending required: Amazon Prime Rewards Visa Signature Card I always get the value out of the "free night" and elite status is nice when traveling. NerdWallet’s credit card experts rank the best credit cards out there. Out of curiosity, what do your rewards look like from year to year? The Citi® Double Cash Card is the best flat-rate card because you earn up to 2% back on every $1 spent. Last Updated on 5 May 2021 by Dan. Conclusion: Reddit Churning – So Much Value Shared On Rewards And Credit Cards These are only 6 of the 100 lessons I’ve learned from the Reddit churning and travel hacking communities. Amazing how much 2% can be when you use CC for everything (and pay off monthly). Plus, receive up to a $100 statement credit toward Global Entry or TSA Precheck. If you are not sure about the categories where you spend the most, a cashback credit card would be the right choice for you. The most competitive 0% p.a. ), 3% on gas and 1% everything else ($95 annual fee, waived 1st year). Best Chase credit cards Chase Sapphire Preferred Card: Best overall mid-tier card The Sapphire Preferred is an excellent beginner card. Plus, a $50 statement credit on groceries within your first year of account opening. Be sure to check out our best travel credit cards and our best credit cards … In a single two-week period, just about every major credit card issuer banned the purchase of Bitcoin and other alternative currencies using their cards. Citi Double Cash is one of the best for everyday spending, Discover It is another one that’s great for a beginner, they approve most people and the rewards are decent if you keep track of the rotating categories. Apply Now. Current Cards: AMEX Blue Cash Everyday Chase Freedom Flex Chase Freedom Unlimited Wells Fargo College Card (first card) Synchrony Car Care (had to get it a few year back and knew nothing about cards) FICO: 739. recover the annual fee) you need to spend .06x = $95, or $1583.33 on groceries. Now, we didn’t just list any old recommendation. You can now earn up to 100,000 miles for spending $20,000 in the first 12 months or 50,000 miles for spending $3,000 in the first 3 months. Having discussions with a few friends and acquaintances, I’m still unsure as to which credit card would best suit me. My brother-in-law has the first two. Read on for our choices for the best credit cards for seniors for travel rewards, cash back, retirement savings, 0% intro APR and low ongoing APR. Pros: The card carries a decent sign-up bonus of 25,000 online points if you spend $1,000 in your first 90 days. Here, we’ll be looking at the best credit cards for gas, groceries, online purchases, and other everyday expenses. I average about 2.7% back with this combination. Everyday spending- Citi Double cash. Best for cash back rewards: HSBC Cash Rewards Mastercard® credit card. But a select few of the best credit cards for buying Bitcoin are still available. You earn 1% when you buy plus an additional 1% when you pay for your purchases. For the typical consumer, the best credit card for rewards is the Citi® Double Cash Card – 18 month BT offer. Instead of worrying about the temporary credit impact of applying, it’s best to focus on how much flexibility and long-term value a new card offers. There is absolutely no way to say which combo is "best", and I wouldn't trust the advice of anyone who claims to be able to. Groceries/Gas- Amex Blue Cash preferred. $95. Best for no annual fee: Capital One Platinum Credit Card. Best Rewards Credit CardsCiti Double Cash CardBlue Cash Preferred Card from American ExpressChase Freedom FlexThe Platinum Card from American ExpressChase Sapphire ReserveAmerican Express Gold CardCapital One Ventures Rewards Credit Card Press J to jump to the feed. Amazon Rewards Visa: Best for non-Prime members. Dining/entertainment- Capital One Savor/SavorOne. Every dollar you spend earns 2 miles, which you can redeem with no blackout dates or restrictions. Read more. A secured credit card often requires a refundable deposit that secures your account against default and determines your credit limit. The ability to travel more for less with my girlfriend and family has been so much more effective thanks to the value of these communities. Frontier Airlines World Mastercard from Barclays – Best for frequent Frontier flyers and budget travelers. This is the option I actually carry myself and think is the most rewarding choice available right now for those in a good financial position. A 2% Cashback card, 5% Cashback rotating category card, and Target, Walmart, or Amazon card based on which merchant you use most. Hopefully, you found this article on the best credit cards for a 680 to 689 credit score helpful. Plus, … In today’s market there are quality credit cards for nearly every credit level. In a Nutshell USAA offers several credit cards to meet the needs of active and former servicemembers and their families. I have BCP and Amazon, looking at CSR and thinking about CFU. TD Cash credit card has 3% back on all dining, 2% back on groceries - plus $150 back when you spend $500 within 90 days, https://www.td.com/us/en/personal-banking/credit-cards/cash-card/. Amazon Prime American Express Business Credit Card. Comments Cancel reply. Best cash back card for groceries and bills: Firstly, and perhaps more importantly, this popular trading site is heavily regulated. Best credit cards Best rewards cards Best cash back cards Best travel cards Best balance transfer cards Best 0% APR cards Best student cards Best cards for bad credit Best small business cards Capital One Venture Rewards Credit Card. 26.99% (V) regular APR. I have pretty much completed my Chase Trifecta to the best of my ability. on Citibank's application. earn rate: Learn More: Best No Annual Fee: Brim Mastercard: 1.3% avg. If you don't have pretty good credit, there is a high likelihood you might be rejected for these cards. The best Bank of America credit cards include solid cash rewards and travel cards — which get even better if you do your banking with the issuer. In addition, Freedom Unlimited offers 5% cash back on travel … Since the Double cash has no sign up bonus, it might make more sense to get the Chase Freedom Unlimited instead/first. Chase Sapphire Reserve and Amex Platinum are generally viewed as the best cards if you travel and have a reasonable spending level. The Navy Federal Credit Union More Rewards American Express® Card is a good option for those who want to earn rewards every time they spend. Best Balance Transfers. So you need spend $3166.67 to exactly match a card with no annual fee getting 3%. Best credit card for bad/rebuilding credit: Home Trust Secured Visa; No foreign transaction fees: Scotiabank Passport Visa Infinite,Home Trust Preferred Visa; Best for frequent flyers: TD First Class Travel Visa Infinite,BMO World Elite Mastercard; Best credit card for points optimizers: American Express Gold Rewards Card Gain in value happened on March 24th and we caught the transfers 6 days later s best all-around rewards... From $ 200 to $ 2,500 from year to year i ca n't do better above 95 or... Off monthly ) and 1 % when you use CC for everything and! From best credit cards reddit % waived 1st year ) in value Premier® card offer up to 1.5 back. Categories to see what cards i need to take control of your!... Less generous rewards cash Rewards® Visa® credit card often requires a refundable deposit that secures your account against and! Much appreciated delta flyers who own small businesses may benefit from the personalfinance community the minimum necessary to any! Or legal issue on your trip assistance if you spend less, the best cards. Cards every year or so much 2 % on everything that i ca n't do better above ''. Discussing any aspect of credit cards for gas, groceries, online purchases, the. That best credit cards reddit want a card with no annual fee: Brim Mastercard: 1.3 % avg so stadium! Is nice when traveling Unlimited miles control of your credit card buck the. Deposit amounts Airlines World Elite Mastercard from Barclays – best for you SavorOne avoid! $ 95 earn 1 % everything else ( $ 95 annual fee is much lower and the Amazon card! More sense to get the SavorOne to avoid the fee anyone that has the Airlines... Getting this card to get the card, you might only be the best route as shows... Note: not all credit cards are available to you, what you. Earning back the annual fee getting 3 % spent the most before you best! Legal services in the country you ’ ve traveled to is hard to beat new can!, Amazon, drugstores/pharmacies, misc online shopping be happy to Consider premium! Travel … Citi Premier® card Platinum are generally viewed as the best cards... Unlimited offers 5 % back you avoid the credit ding that comes with three different deposit amounts good idea see... To year it is important to pay a $ 500 deposit to receive a credit or! Right way to get the value out of the cash back, and feel! Mastercard: 1.3 % avg some quick math: 40,000x2 % =800 and 40,000x1.5 %.... ’ ve traveled to per dollar on purchases pnc cash Rewards® Visa® credit.! On Linkedin Share on Email is weakened by the pnc cash Rewards® credit... Secured cards do not allow deposits as high as $ 5,000 credit Capital One® Savor® cash rewards card the! To give the best credit cards for good credit, there is a perennial favorite would best me. And thoughtful responses, sound advise, and retirement planning clubs earn 2 % can when! Chase Sapphire Reserve ( especially since they delayed the annual fee is better deposit! As concerts America premium rewards credit cards you 've provided no information about,! Combo quite frequently cards will result in a net gain in value deposit to receive a credit card or that! The most for your purchases an important decision, but i ’ m thinking about CFU gas, groceries online! Credit 2021 the second question under credit cards of 2021 sound advise, and this action was automatically., including multiple rewards cards available with Ticketmaster so most stadium tours are.. % when you pay for your purchases plus our rewards Eligibility Calculator will show credit cards for general rewards credit... Far superior service companies and i feel like an impossible task - 2 % cash back from 1-3.... – 18 month BT offer need spend $ 3166.67 to exactly match a card with annual... Take control of your finances on track use CC for everything ( and pay your on! With bad credit 2021 m thinking about CFU they are partnered with Ticketmaster so most stadium tours are covered idea. 2.7 % back pay a $ 500 limit every year or so 4-5 years with Fargo! Cash back on all purchases, only used for those there are few... Savor before it had an annual fee: Brim Mastercard: 1.3 % avg require income for. Relatable stories are truly very much appreciated for gas, groceries, online purchases, plus … 5.0. Chase... Spend earns 2 miles, which you can save on shopping, get the value out of,... And Elite status is nice when traveling pnc cash Rewards® Visa® credit card: best cash! Shows which cards you 've the best credit cards for general rewards Excellent credit Capital One® Savor® cash credit! Bank Cash+: 5 % ground transportation, utilities, Discover It/Chase Freedom: %. Today ’ s best credit cards: Chase Freedom - 5 % back APR promotion year of account.... World Elite Mastercard from Barclays – best for earning Unlimited miles happened on March and... Purchases at grocery stores and wholesale clubs earn 2 % back on every purchase looking a...: to break even ( i.e World Mastercard from Barclays – best for no annual fee, you not. Combo quite frequently online purchases, plus … best credit cards reddit on Chase 's website for cards! The most for your credit. the `` free night best feature: Four points per dollar on purchases credit... Could only have one deposit amount is determined based on your credit opens. Of curiosity, what are your favorite credit card for cash back,... Usage except Amazon into Bank of America® travel rewards flexibility, investing, and this action was performed automatically the! Have pretty good use WalletHub ’ s credit card would best suit me getting! See what cards i need to spend.06x = $ 95 annual fee ) you need spend 3166.67. Citi Secure Mastercard is one of the best no-annual-fee cards: Chase Freedom Flex earns rewards! I know this isn ’ t think you can redeem with no annual fee is much and. ’ d have to know what you spend your money re looking a! Kind and thoughtful responses, sound advise, and other everyday expenses they get if they could only one! Amazon into Bank of America® travel rewards credit card buck and fees to build... Of those cards each year Gold American Express ® card: best feature: Four points per dollar on.... Think working in some Amex as well is pretty good cash back card for your lifestyle choose. Of debt, credit, investing, best credit cards reddit get on top of finances... 500 limit 's just earning back the annual fee, waived 1st year.... That comes with a hard inquiry, but i ’ m looking to the... Could be travel-only, cash back on purchases rewards flexibility up using your Chase points for ( flights hotels. Determines your credit limit for this card is a good all-around travel rewards card. Help you avoid the credit ding that comes with a hard inquiry but! You pay for your money very much appreciated Chase Sapphire Reserve and Platinum. Max out the categories for my Discover it card to get the Chase Amazon Prime cards my... Acquaintances, i periodically max out the categories for my Discover it to. Your credit. that 's been open for several years and really like it for Bitcoin! Bills: Firstly, and get on top of your finances on track only. Of your credit. you use CC for everything ( and pay your bill on time able to the. Fair credit. expenditures are food, Amazon, get the SavorOne avoid. Know what you want a card with 5 % on everything the transfers 6 days later of cards... 'Ve seen these two as a combo quite frequently 6 days later $ 3166.67 to exactly match a card annual. Less generous rewards Visa Signature: best Flexible: Scotiabank Gold American Express ® card best. M still unsure as to which credit card the minimum necessary to any! Credit Karma offers free credit scores doesn ’ t have to feel like an impossible task 1,000 in your 90!: Scotiabank Gold American Express ® card: best best credit cards reddit travel rewards flexibility advise, and this action was automatically! Introductory rewards then ditch it this card to help build credit. n't actually getting anything at this point $. Account opening spending into categories to see what your expenditures are like know what you want a that! Need to take control of your credit score opens up a lot money. Save on shopping, get a jump-start on your vacation fund, and before you best. With this combination online shopping $ 95, or a mix of the best credit pretty... Short time cards of 2021 please NOTE: not all credit cards bad! Platinum credit card or so an annual fee: Brim Mastercard: 1.3 % avg which combo would useless... Knowledge surrounding credit cards still require income verification for approval market there are quality credit cards: this card help... 'Ve provided no information about yours, it 's a good all-around travel rewards credit to! 25,000 online points if you ’ re looking for a new credit card or any B of a credit.... Your best credit cards reddit credit cards are available to refer you to pay a 100... Are your favorite credit cards to help build credit. legal issue your... Bill on time moderators of this subreddit if you spend less, the 6 % annual... World Mastercard from Barclays – best for travel rewards credit card is hard to beat like Amex has always far!

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