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TenaciousDenny's avatar

Does anyone have any suggestions for good credit cards (good rewards program, low interest, etc.)?

Asked by TenaciousDenny (1139 points ) April 16th, 2009

I recently used my tax refund to pay off all of the credit card debt I have. I am thinking of retiring that card and opening a new line of credit with a new card. My last credit card didn’t really have any rewards (I signed up for it at a Reds game to get the free shirt, and just started using it as my primary card. Stupid, yes). I was just wondering if any of you flutherites have had good experiences with your current credit card situations and have any recommendations. I plan on paying off the balance every month, so I’m not too concerned about the interest rate, but I’d like something that offers some nice rewards if I use it often. Capital One has sold me with their commercials (as far as customizing it for your personal preferences), but I figured it wouldn’t hurt to get some firsthand accounts as well.

Thanks in advance for your suggestions.

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8 Answers

rawpixels's avatar

I LOVE my JetBlue American Express Card. Now, I take a vacation every year and my flight is always free.

miasmom's avatar

We get cash back from both our Discover and American Express cards, so those are options. Something else to think about, we had a Citibank credit card at one point and I called to close it, they asked why and I told them because we get cash back from our other cards and they said, oh we could do that also for you. So, even if it isn’t offered, you could always ask, it might be a hidden thing.

avalmez's avatar

an important aspect of your credit score is the duration your credit lines have been open. i.e., you may want to reconsider closing your account (could actually lower your score is my understanding) and instead just not use it.

also my preferred card is a Chase UAL miles card. i use it extensively and just as @rawpixels accumulate enough miles to travel free every year. so definitely consider an airline card if you intend to use your card frequently.

Gundark's avatar

We get a decent amount of cash back from an American Express card we got through Costco. It doubles as a Costco card, so I have one less thing to carry in my wallet.

RedPowerLady's avatar

Don’t go with CHASE. Seriously. They’re notorious for bad debt collection policies.
(should you ever go into debt which we hope you don’t of course :) )

avalmez's avatar

been with chase for years and no problems…but, i also have no bad debts with them…point was, get a card that contributes $ for $ miles to whatever your preferred frequent flyer miles program might be

TenaciousDenny's avatar

Thanks everyone for your suggestions!

shirleylopez's avatar

The best credit card for you will depend on your needs or lifestyle to maximize the benefits. For example, if you travel a lot, maybe a credit card with mileage points for a free airfare would be advantageous. There’s not “fits all” credit card so you’d better determine what you really need or want. I am satisfied with my VISA.

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