Best credit card for earning money?

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rob1618
 
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Best credit card for earning money?

Postby rob1618 » Thu Jan 28, 2010 6:51 pm

Hi, I'm a 19 year old and extremely frugally minded. I'm new to credit cards and don't have anyone to ask as most people in my family just talk about how a high APR is bad and that's all they know. What I'm interested in knowing is are there cards for students (which means not excellent credit yet) which allow you to get bonuses, cash back, etc, for purchasing things while having basically no fees if you pay off everything monthly/yearly in full? I would never dream of not paying off something in full, also is there a way to automatically pay off credit cards monthly/yearly with online billpay from a checking account?

And what's the best card for online shopping cash back?

Thanks.


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Mogul of Pineapples
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Postby Mogul of Pineapples » Sat Jan 30, 2010 12:46 am

The online bill pay is something you will have to setup with your bank, so that's something you can do with any credit card that offers ebills, as long as your bank allows it.

Do you prefer cash back, merchandise, or miles? There are a few out there which should suit your situation.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
Primary Everyday Card: American Express Blue Cash
Primary Travel Card: Chase Sapphire Preferred

jeffysdad
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for auto pay of full balance every month...

Postby jeffysdad » Sat Jan 30, 2010 3:15 pm

you need to set that up with your cc company because they're the only party that knows what your balance is every month (besides you). All of the cards that I have allow for you to do this. Chase and Citi allow you to set this up online. Capital one and the B of A card that I have require that you do it in writing. It's just giving the cc bank permission to debit your checking account every month for your statement balance.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.



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