What Credit Card Should I Get ? FAQ

stanolshefski said:   imbatman said:   jgooner22 said:   Hey guys, I have around 10K expenses coming up in the next 2-3 months which included buying 2 international tickets (in addition to the 2.5K every month expenses). Which card would you recommend for maximizing rewards? Cheers!

AMEX Gold Charge cards (3x MR on airfare purchases)
Chase Sapphire Preferred (2.14x UR on airfare purchases)
PenFed Travel AMEX (5x points on airfare purchases)

With $10K in expenses, a mini AOR might be in order to rack up several signup bonuses -- so you might want to do all of them.

The Chase Sapphire Preferred has a nice 40K signup bonus, sometimes the AMEX PRG has a 50K or 75K signup bonus offer, and that PenFed card has a 20K signup bonus.

I might also consider the Barclays Arrival Card or their NFL card for a ~$400 signup bonus:

Arrival Card: http://www.fatwallet.com/forums/finance/1265825/
NFL Card: http://www.fatwallet.com/forums/finance/1254892/

the Arrival card is ~$440 if redeemed for travel (10% of points back when redeemed for statement credit for travel), but only $200 if redeemed for non-travel credit.
the NFL card is a flat $400.
Pick the one that's the best fit based on if you're traveling or not.

Also, the AMEX Biz Gold has a 50k after 5,000 spend offer right now link

Priceline gives 2% on everything. When not busy with bonus sign ups, this is the card! When using AMEX for bonuses, I find that AMEX is not accepted in some of the merchants I frequent. This is the backup (for me)

jgooner22 said:   Which card do you guys use for everyday use? I generally use Chase, but looking to see if I can do better than 1% on everyday purchases. Is Priceline any good?
My everyday (non-bonus) card is the Fidelity AMEX.

My other cards that I use are:

* Target RedCard - 5% off Target (and free shipping and extended return period)
* AMEX Blue Cash Preferred - 6% for groceries
* Citi Forward - 5 points/$ for Amazon.com, bookstores, and restaurants
* Sallie Mae Mastercard - 5% for bookstores, groceries and gas

direct link linkfor 75k after 5k spend on BIZ AMEX Gold

Do any providers typically offer a higher credit limit than others? Have decent credit, low-mid 700s want a card with highest possible credit limit and 0% on purchases for a minimum of 6 months.

Already have 2 AMEX so maybe have to look elsewhere

I too have no idea. Maybe we could find out from anecdotal information reported here. I have $25 k on AMEX, BOA/old Schwab $25k (I cancelled it a month ago), Chase $18k. Capital one $7.5k. The capital one is barely 10 days of our household gross income. I had applied for a credit increase on capital one, but was denied (few months back) for the reason "we do not have a policy for approving credit for customer initiated request". I love my AMEX Costco for the ability to use without having to worry about maxing it out, unlike our capital one. My Credit score is around 800. I am not sure if credit score decides the credit limit or monthly income. What is your AMEX card limits?

newnorley said:   Do any providers typically offer a higher credit limit than others? Have decent credit, low-mid 700s want a card with highest possible credit limit and 0% on purchases for a minimum of 6 months.

Already have 2 AMEX so maybe have to look elsewhere

contact with bank.

ninetwosix said:   Hey everyone, just bought a house and will be doing lots of home improvements. Windows, kitchen, possibly water heater and furnace. Can you guys recommend any card(s)? The only cards I have at the moment and were opened a long time ago are the Chase Freedom, Bank of America card and a Blue from AMEX.

Are you buying stuff from Home Depot or Lowe's? If you are, CCs with grocery or drug store bonus categories might be of value to you if you are willing to purchase gift cards to make your purchases.

Did my first AOR at the beginning of March, went a little overboard and signed up for 8 cards (got them all) and I've hit all the min spends already. Thinking of applying for 3 more cards in June for the following reasons: 1) travelling to Europe at the end of June, will use a cc for most expenses over there, 2) I have VRs and MoneyPaks readily available in my area for min/manufactured spend and 3) i'm going to HI in Feb of next year, want to start accumulating Hilton points. I know people are down on Hilton after the devaluation but I like that there are 4 Hilton cards.
Cards I'm thinking of getting: Chase Ink Plus (no forex), Citi Hilton Signature, AMEX Hilton.

Thoughts/feedback?

BBPlaya13 said:   Did my first AOR at the beginning of March, went a little overboard and signed up for 8 cards (got them all) and I've hit all the min spends already. Thinking of applying for 3 more cards in June for the following reasons: 1) travelling to Europe at the end of June, will use a cc for most expenses over there, 2) I have VRs and MoneyPaks readily available in my area for min/manufactured spend and 3) i'm going to HI in Feb of next year, want to start accumulating Hilton points. I know people are down on Hilton after the devaluation but I like that there are 4 Hilton cards.
Cards I'm thinking of getting: Chase Ink Plus (no forex), Citi Hilton Signature, AMEX Hilton.

Thoughts/feedback?
What where the six cards you applied for in March? Any pre existing cards?

^^ credit Pete. The Hilton cards do not give CashBack

5th night free is either from the AMEX (axon award).
You'll have access to axon and glon awards with either AMEX.
You can then use two free nights from citi reserve to make it 7 nights. If you have a trip in mind the citi reserve will be more beneficial to you than the regular signature.

Lowe's 5% off card.. But you can also probably find Lowe's gift cards at a greater discount.
Edit: Also: http://www.lowes.com/cd_Coupon+Registration_253641591_

A top Travel credit cards should have affordable charges that are more than validated by its advantages and advantages.