Which Rewards Card is Right for Me?

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Nickatron
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Which Rewards Card is Right for Me?

Postby Nickatron » Sat Sep 11, 2010 9:31 am

I have had a credit card for a while now, but it is just a vanilla card with a great APR. I have very good credit, and I am looking to get another card to put my everyday purchases on and pay off every month. I am a student, so I am not a big spender. I might spend 300-400 dollars on groceries per month for two people as an example. Which card is right for me?


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Mogul of Pineapples
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Postby Mogul of Pineapples » Tue Sep 14, 2010 1:29 pm

When you say you have had a credit card for a while, how long? That will give us a better idea of how established your credit history is.

Would you say the groceries make up the bulk of your spending?
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

Nickatron
Green Member
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Posts: 4
Joined: Fri Sep 10, 2010 7:33 pm
Location: San Diego

Postby Nickatron » Tue Sep 14, 2010 5:43 pm

I have had my first card for 5 years, and a second card for about 2 years. I cut up my first card when I got my second, and the balance on the second card is pretty low. I also have a couple of store cards like best buy, but they are all paid off.

I would say that groceries and stuff from target are the bulk of my spending.

I would most likely spend my rewards on international travel, so If there is a card that lets you spend your points/miles on flights like air china. Also, it would be nice to be able to partially purchase flight tickets with my points and pay the rest out of pocket if i needed to.

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Mogul of Pineapples
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Joined: Sun Jun 01, 2008 11:32 pm
Location: Smogland

Postby Mogul of Pineapples » Mon Sep 20, 2010 11:25 pm

It sounds as if your credit is fairly good and I don't see any reason why you wouldn't qualify for the typical credit card.

For groceries there used to be several cards that gave 5% year round but those programs have since ended. There are two cards, the Discover More and Chase Freedom that still do it but only a few months out of the year. About what percentage of your spending would you say is on groceries and which percentage is on everything else?
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



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