Credit Card Forum
  1. #1
    akybaky
    akybaky is offline
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    Default Credit card suggestions for junior in college

    Hey All,

    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
    0 Debt

    Current Cards:
    Bank of america student card
    AmEx Zync
    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
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    Reply With Quote Reply With Quote     Dec 27, 10, 4:45 pm
  2. #2
    making the turn
    making the turn is offline
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    Default

    I like my Blue Cash the thing is that it takes a lot of spending to reach 5%.

    I was reviewing the cash back credit cards list on the homepage and that Citi Forward could be worthwhile if you eat out quite a bit.
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    Reply With Quote Reply With Quote     Dec 28, 10, 9:27 am
  3. #3
    Mogul of Pineapples
    Mogul of Pineapples is offline
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    Which credit score is 732?

    With that I would think approval for the majority of credit cards would be possible. Out of the 200 to 250 on food how much goes to grocery stores and how much to restaurants?
    Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed. 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: Citi Thank You Premier
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    Reply With Quote Reply With Quote     Jan 2, 11, 12:01 am
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