Choosing right card, advice from experts!

Discuss anything related to interest rates & fees, like balance transfer offers, low rate cards, annual fees, etc.
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Choosing right card, advice from experts!

Postby stye » Sat Jan 08, 2011 12:49 pm

I am thinking to get Credit Card. Mainly work as driver and i have to fill the gas on and average of atleast $30 or more. i pay cash, now i was wondering there are so many cards out there that i can take advantage of getting rewards and cash back and so on, and top of that i will have statement how much i spent and where.

Now please suggest me what is the best credit card company to go with. for getting best reward on cash back or point system or whatever.. i will be using this card for only GAS and grocery & food. EVERY DAY!!

I dont want to pay them interest, i meant to say in anyway. and i will be paying the full amount whatever i spent on before due. so there is no chance of i will pass the date or i dont have money to pay on time.

PS: i dont if this fall into business category, i dont think so because i am not business owner nor i m partner or anything, i am just driver who works every day. Transportation company.

so anything plz give me some idea. i was thinking of AMEX Blue Cash? show me some goodies.

Thank you all.

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Postby Keysmasher » Sat Jan 15, 2011 7:36 pm

Blue Cash, Discover More, Chase Freedom are all viable options.

I would suggest an American Express Gold since it offers 2x points on gas and groceries, but since you will only be using it for just gas and groceries. I am not sure if it is worth the $175/year in your case.

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Postby Generallisimo » Sun Jan 16, 2011 2:11 am

Penfed Visa gives 5% cash back on gas and 1% everything else--no gimmicks, no limitations (just your credit limit), no annual fees. You get the money as a credit to your statement at the end of each month, which is quite frankly a lot better than any other system if you think about it. I'd definitely get the PenFed for gas.

small biz guy
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Postby small biz guy » Tue Jan 18, 2011 5:34 pm

I recently heard about this Penfed card. What type of credit limit is typical for it and are there any negatives?

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