Lurker coming out of the shadows. I'm looking to apply for a credit card and became overwhelmed with the choices and was wondering if ya'll could generously help out.
I have an excellent credit score (thank you Mom & Dad for getting me off on the right foot). My primary spending: dining/bars. Secondary spending: Walmart, department stores, and online (eBay, Amazon, Bodybuilding.com).
I don't know if I should get an overall good card, or one that's specifically for dining. The cards I'm considering:
- Capital One Cash Rewards - 1.5% cash back on everything (1% + 50% annual bonus) Good overall?
- Chase Sapphire/CSP - Looks like many suggest this for dining, but not a fan of the $95 annual fee
- AmEx TrueEarnings - 2% on restaurants, no annual fee, but I'd need to purchase a Costco membership ($55)
- Discover It - Looks great for online shopping, but I'm also trying to cut back on my spending
Guidance would be much appreciated!