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    Question Best CC to pair with AMEX Gold?

    I've been hanging around the forums for a few months now. I can't tell you how many hours I've spent researching and learning on this forum. A lot of great info here!

    I'm 23 with a limited credit history, 743 FICO. I have an AMEX Gold charge card that I've had for a couple of months now. I'm looking for a credit card that offers cash back as I will only be using it when my AMEX isn't accepted. What's the best card for me?

    I'm thinking about trying for the Chase Sapphire preferred for the 40k point signup bonus ($400) - if I qualify - than downgrading it to a normal Chase Sapphire to avoid another annual fee. Any thoughts on this? I was also thinking about the Chase Freedom.

    Thanks for your input
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  2. #2
    Centurion Member Moneytalks's Avatar
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    Chase Freedom is good choice IMO
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    Freedom is generally easier to get approved for than Sapphire Preferred if you have a limited history. If this card is going to be both for cash back and for your backup when your Amex Gold isn't accepted, both cards are nice in that you can redeem your cash back as a statement credit in any increment you want, not set amounts like $25 or $50 where lesser amounts would be rendered unusable. Barclays has the Priceline Visa too which is 2% on all purchases, I'm not sure of the cashback redemption minimum though.
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  5. #5
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    Thanks for the replies. I app'd for the Chase Sapphire Preferred and was approved for it. Going to see how I like Chase.
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  6. #6
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    If you can, I'd do Chase Freedom, Chase Sapphire/Sapphire Preferred and Discover More, just to cover your bases on revolving 5% categories with the Freedom and the More and to use the Sapphire for all other purchases to take advantage of the 7% yearly dividend on the Sapphire Preferred and their great versatility of Ultimate Rewards points.

    Also I'd think of making a Fidelity AMEX or Starwoods Preferred Guest card your primary AMEX as both of those are better than a Gold card imo, but it really at this point depends on what you'll get accepted for
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