Suggestions for a good everyday card?

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13 posts
circle_k
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Location: Kansas

Suggestions for a good everyday card?

Postby circle_k » Tue Oct 23, 2012 9:30 am

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.


sakhalin
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Location: West Coast

Postby sakhalin » Tue Oct 23, 2012 8:00 pm


jlam572
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Location: Hawaii

Postby jlam572 » Tue Oct 23, 2012 9:17 pm

Thats the problem. The perfect card doesnt exist. The perfect card would be titanium, no annual fee, no limit, 5% cashback on everything, access to airport lounges, no foreign transaction fees, etc.
American Express Platinum
Chase Sapphire Preferred
Hawaiian Airlines BOH MC
USAA Amex
Capital One Visa Platinum
Citi Diamond Preferred MC


WS6R6
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Location: Kansas

Postby WS6R6 » Tue Oct 23, 2012 9:52 pm

Hello fellow Kansan! Most cards are good for one category only and lack in the rest which is the reason for having multiple cards. I would just get a chase freedom and then you only have to worry about 1 card, no annual fee, 1% back on everything, and 5% occasionally on gas, restaurants, etc. If you don't particularly care for cash back, you might as well just get this card and use it like normal and then maybe once in 5 years from now or so you can just cash in all your rewards earned for gift cards or statement credits or whatever you want. I don't see the harm there
Travel 3x, Groceries + Gas 2x: [color=Orange"]AmEx PRG[/color] (Closed)
Restaurants + Travel 2x: [color=navy"]Chase Sapphire Preferred[/color]
Groceries 3%, Gas + Department Stores 2%: [color=blue"]AmEx BCE[/color]
Dining + Entertainment 2x: [color=navy"]Citi Thank You Preferred[/color]
Hotels 5x: [color=Black"]Chase Marriott Rewards Premier[/color]
Rotating 5%: [color=darkorange"]Discover It[/color], [color=blue"]Chase Freedom[/color]
Restaurants 5x: [color=lime"]Citi Forward[/color]
Gas 5%: [color=gray"]PenFed Platinum Rewards[/color]
Future: [color=red"]US Bank Cash +[/color]

heatcoach112
 
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Joined: Tue Oct 23, 2012 11:23 pm
Location: georgia

Postby heatcoach112 » Tue Oct 23, 2012 11:59 pm

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

Vermonster
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Location: NJ

Postby Vermonster » Wed Oct 24, 2012 8:38 am

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.

Robrus1
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Postby Robrus1 » Wed Oct 24, 2012 7:18 pm

I agree that Chase Freedom would be good. Also I have all of the phone numbers on the back of the 3 cards I carry saved in my phone. That way if I lose my wallet I can call them immediately.
Amex Platinum
Amex BCP 21K
Amex SPG 5K
Barclaycard Arrival Plus WEMC 5K
Chase Sapphire Preferred 23.5K
Credit Union 10K
Discover IT 7.75K


Daniel
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Postby Daniel » Thu Oct 25, 2012 11:39 am

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.

lennyj17
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Location: New York, NY

Postby lennyj17 » Sun Nov 18, 2012 7:24 am

IMO the BEST everyday cards are

A. Citi Forward

B. AMEX Blue Cash

C. Discover

D. Chase Freedom/Sapphire..

DavidNY
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Location: New York

Postby DavidNY » Sun Nov 18, 2012 8:49 am

If I had to just pick one I'd say Priceline Visa, it gives 2% back everyday on everything and it's a Visa.



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