- Green Member
- Posts: 4
- Joined: Mon Dec 27, 2010 2:10 pm
- Location: New York City
Long time troll, first time poster to the site. This site has some great information so thanks to all the contributors!
So i'm looking into credit cards and need some perspective on cards that I can most benefit from in terms of rewards. Disclaimer I already looked at a calculator and it suggested some travel cards when in actually I don't travel that much. I figured you guys would be more useful.
On to the stats:
I'm a junior in college
Credit Score is 732
Bank of america student card
Brooks Bros store card
BofA card comes from when I went away to school I opened a student checking/savings account. Folks thought it was a good idea to build credit early so I signed up for the student card. Rewards aren't all that great. Rarely ever use this
AmEx - Parents are long time AmEx members and so I just got the zync. This is my main card. Rewards are great especially for when I buy online at department stores etc.
Brooks Bros is pretty straight forward. 15% of purchases at Brooks Bros.
I'm looking into a card that would give me cash back for items like groceries, dining, clothes, etc.
As a student my spending habits are about $400 -$500 a month. Lets say 200-250 on food including dining, groceries, etc. And 75-100 on clothes, and 75-100 on random things.
I was looking at the Discover More or the AmEx blue cash and hoping to get some perspective. Or maybe someone could suggest a better way to maximize what I already have.
I pay the bill in full on all cards, have 0 debt (no loans from school), etc.
Please and thanks guys