Thread: Suggestions for a good everyday card?

I noticed lots of people on here have a couple dozen cards, I only have a couple myself and I was wondering if there was such a thing as a good all around card to have. I understand people do it for the rewards, but I really don't know how I would keep track of a bunch of cards as it's hard enough to remember one user name and password. I would likely be constantly calling every month to have passwords reset on all my accounts.

I let someone talk me into signing up for a Cap1 airmiles card, but I don't know why because I don't fly, never have and unlikely I ever will. I'm not really into the points stuff either and if you must know, I have better things to do with my time then sit there with the Sunday newspaper clipping coupons!

I lost a wallet once with several credit cards in it and it was a nightmare having to run home and look up all those numbers and the number to call if you loose the card is printed on the card???? Hello? I don't have the card. I lost it! Well, I got lucky once and a honest Joe found it, but I don't want to chance it again so from now on only want to carry one card. Mostly I'm looking for no annual fee, low interest is second but I don't carry a balance. Rewards, don't really care. No airmiles, no points, no hotels, cash back or nothing.

Citi Simplicity

How long does it take for a mod to approve new topic?

If you open a checking account with Chase you get more than the 1% and 5% back. On the ~$400 I spent last month I got 625 points. And I know for a fact that I didn't make a single purchase in the 5% categories, so that's about 1.5% cash back.

Depending on what your credit looks like now, the Blue Cash Everyday is a cash rewards card I like and use. I like it because the categories are always the same, 3% on stand alone grocery stores, 2% on a couple categories, 1% on everything else, and no annual fee. This card and every other rewards card only make sense if you pay off your bill in full every month though! a single month of interest can destroy all of the rewards you earned. In general, not paying off your card in full every month should be a last resort, personal loans have better borrowing rates, and your most common credit scores are not helped by carrying any balance, and if you spend on your card every month, could be hurt by it.

I think everyone here has the right idea for picking cards for transactors, pick the card with the most rewards for your spending pattern. Don't change your spending pattern to earn more rewards because you are just spending unnecessarily then.

Other good cards:
US Bank Cash+
Chase Freedom
Blue Cash Everyday/Preferred
Discover More
And a whole host of others.

IMO the BEST everyday cards are

A. Citi Forward

B. AMEX Blue Cash

C. Discover

D. Chase Freedom/Sapphire..