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The Lounge => General => Topic started by: Silverwing on 2016-08-01 10:10:37

Title: Credit Card Recommendations?
Post by: Silverwing on 2016-08-01 10:10:37

So I am looking to get a new credit card since I am leaving my company and losing my company credit card. 

So what do you guys use or like?  I would like opinions if you have them.  I don't care for air miles, so cash back, rewards, etc, would probably be best for me.  I have looked at all those "10 best credit card" websites, but was wondering what actual users thing of theirs and maybe you will bring something up I did not think about. 

I usually use my credit card for online only.  I try to pay cash with everything else.  Opinions, thoughts, advice, BEGIN!

Title: Re: Credit Card Recommendations?
Post by: HulkbowSMASH on 2016-08-01 10:19:12

Discover seems to be a fairly popular rewards-based card.  Last I recall, Visa had a slight edge on places they're accepted.  What I'd consider more important would be getting a card through a credit union rather than a bank if you can.

Title: Re: Credit Card Recommendations?
Post by: Silverwing on 2016-08-01 10:20:21

Quote from: HulkbowSMASH on 2016-08-01 10:19:12

Discover seems to be a fairly popular rewards-based card.  Last I recall, Visa had a slight edge on places they're accepted.  What I'd consider more important would be getting a card through a credit union rather than a bank if you can.

A credit union?  Why would you do that? 

Title: Re: Credit Card Recommendations?
Post by: Death Blossom on 2016-08-01 10:31:22

I like Visa. Visa is cool.
My family also uses Discover, I believe. But I think that's one card, for my moms business.

Title: Re: Credit Card Recommendations?
Post by: Silverwing on 2016-08-01 11:36:33

My previous card was Mastercard by Citi. 

Title: Re: Credit Card Recommendations?
Post by: Kyrl on 2016-08-01 12:57:45

I have an Amazon Visa cause I buy so much shit from Amazon.  I get 3% back on that.  2% on food/dining and 1% on everything else. 

Title: Re: Credit Card Recommendations?
Post by: Anyponedrawn on 2016-08-01 13:49:10

Quote from: Kyrl on 2016-08-01 12:57:45

I have an Amazon Visa cause I buy so much shit from Amazon.  I get 3% back on that.  2% on food/dining and 1% on everything else.

Do you only get money back to spend at Amazon, or can you get it back in the form of cash/gift cards?

Title: Re: Credit Card Recommendations?
Post by: Blurr on 2016-08-01 17:26:49

I don't really have much experience with credit cards. I tried to apply for a gas card so I could build up some easy credit but I was decline because I have zero credit.

Title: Re: Credit Card Recommendations?
Post by: Claof on 2016-08-01 17:33:16

I just use U.S. Bank. Don't know much about credit cards though.

Title: Re: Credit Card Recommendations?
Post by: Anyponedrawn on 2016-08-01 18:51:29

Depends what you want to do.  Chase offers a pretty good one right now... they offer like fifty different cards. 

Title: Re: Credit Card Recommendations?
Post by: HulkbowSMASH on 2016-08-01 18:57:09

Quote from: Silverwing on 2016-08-01 10:20:21

Quote from: HulkbowSMASH on 2016-08-01 10:19:12

Discover seems to be a fairly popular rewards-based card.  Last I recall, Visa had a slight edge on places they're accepted.  What I'd consider more important would be getting a card through a credit union rather than a bank if you can.

A credit union?  Why would you do that?

http://www.fool.com/investing/general/2015/06/07/credit-union-vs-bank-4-major-differences.aspx

Title: Re: Credit Card Recommendations?
Post by: Kyrl on 2016-08-01 19:15:20

Quote from: AnyPoneDrawn on 2016-08-01 13:49:10

Quote from: Kyrl on 2016-08-01 12:57:45

I have an Amazon Visa cause I buy so much shit from Amazon.  I get 3% back on that.  2% on food/dining and 1% on everything else.

Do you only get money back to spend at Amazon, or can you get it back in the form of cash/gift cards?

All of the above.  I usually just get statement credit.

Title: Re: Credit Card Recommendations?
Post by: Silverwing on 2016-08-02 15:55:35

I will have to look into the Amazon one too.  I was looking into credit unions.