What should I get for my second card?

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argh
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What should I get for my second card?

Postby argh » Mon Apr 16, 2012 3:50 am

Lately, I haven't been seeing any impressive credit card signup bonus/rewards offers. I currently have just a Citi Dividend Platinum MasterCard and am looking for a second card with greater rewards and no annual fee. What's the ideal second card to get?


bmw1990Z
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Postby bmw1990Z » Mon Apr 16, 2012 4:35 pm

give us some info on what rewards/benefits will be most beneficial to you. Also, how long have you had your citi dividend?
Cards in my wallet:
-Citi Forward Card for College Students-July 2011
-American Express Platinum Delta Skymiles--July 2013

argh
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Postby argh » Mon Apr 16, 2012 4:54 pm

Most beneficial: gas, online/retail shopping
Least beneficial: travel

Nearly 7 years on the Citi card.

DavidNY
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Postby DavidNY » Mon Apr 16, 2012 8:05 pm

Depends on your spending patterns and what you want. I spend a lot on gas and groceries and want cash.

Money card
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Postby Money card » Tue Apr 17, 2012 10:29 pm

Since you like gas and shopping what do you think about the Discover More card? I'm sure you know about our 5% cash back rotating categories, but you have to sign up. They have popular categories like gas, movies, drug stores, grocery stores, restaurants clothing stores and department stores.

For April thru June 30th they have the 5% cash back on movies and restaurants.

You will also probably get coupons from them given by certain stores.

You could try for the Blue Cash basic card from American Express. You get 3% back on groceries, 2% back on gas and 2% back on department stores.

So there are 2 suggestions for you that are appropriate for you based on your answer.

bmw1990Z
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Postby bmw1990Z » Wed Apr 18, 2012 5:55 am

AMEX charge cards Membership Rewards Program is great for those things...you could try Citi Dividend Platinum Select (a card similar to Discovers...) simply because you have a history with them.
Cards in my wallet:

-Citi Forward Card for College Students-July 2011

-American Express Platinum Delta Skymiles--July 2013

American
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Postby American » Wed Apr 18, 2012 8:57 am

PenFed has great cards with no annual fees. They have a platinum rewards card with 5% Gas, 3% Groceries, 1% everything else. Or you could go with the previously mentioned AMEX Blue Cash. I have the preferred, and it's a wonderful card; you can't beat 6% back at groceries stores.
American Express '02: Platinum, Blue Cash Preferred 6k, SPG 2k, Delta Gold 1k
Barclaycard '11: Apple Financing Card 2.5k
Citi: Diamond Rewards 1.5k
Chase: Freedom 500
Discover '12: Discover IT 1.5k

argh
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Postby argh » Sun Apr 22, 2012 1:34 am

PenFed is American Express, right? For this second card, I'd like to go with Visa/MC due to the greater acceptance rate and eventually make it my primary card, with small purchases every once in a while on the original card.

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FastSRT8
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Postby FastSRT8 » Tue Apr 24, 2012 5:25 pm

Amex always makes a good second card.
Carpe diem quam minimum credula postero!

Moneytalks
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Postby Moneytalks » Thu Apr 26, 2012 6:11 pm

Citi Dividend or Amex (w/o annual fee) is good, don't go crazy and get hundreds of cards though haha
Wallet: Amex BCE & Chase Freedom. (Credit Card dieting since 2014)



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