- Centurion Member
- Posts: 1144
- Joined: Sun Jan 26, 2014 3:55 am
- Location: US
Since you don't travel, you are probably best suited for a cash back card.
More info on your spending would help us determine specific cards that would serve you well. If you plan on keeping your spending low, you probably won't be intereated in a card with an annual fee, but you can do the math to see if your spending will justify it. Do you have a preference on an issuer, or do you just want what can get you the most? If it is the latter, the Capital One Quicksilver may be a good option for 1.5% back on everything. They don't have the best reputation around here, though. Don't expect good customer service or a card that will grow with you over time.
I would also recommend the Discover it. I have it and love it. Plus, as Member pointed out, you are likely their target demographic. The Chase Freedom is very similar - 5% quarterly categories and 1% on everything else. You should look into the Discover it chrome for 2% on restaurants and gas (also 1% on everything else). Again, it really depends on your spending.
You don't spend much, but will you use your card frequently? Consider the Amex EveryDay for a 20% bonus if you think you will have 20+ swipes a month. Lastly, I think the Amex Blue Cash Everyday is a good option: 3%, 2%, and 1% on groceries, gas/department stores, and everything else, respectively.
EX - 804 (10/16) | TU - 803 (10/16)
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now