What's the best new credit card to get?

capt · Jul 5, 2012

I had BP Chase, but they changed their program. Bp only gives cash back on gas only. I dont fly much, so I am looking for cash back or gift cards. Your thoughts.

Capt.

Betallsports · Jul 5, 2012

I don't use them, but I hear that capital one has some good reward cards

mnmike · Jul 5, 2012

capt said:
I had BP Chase, but they changed their program. Bp only gives cash back on gas only. I dont fly much, so I am looking for cash back or gift cards. Your thoughts.

Capt.

I have the BP one too, since they turned their program to crap i haven't used it and wont. Now i use the chase freedom, get 1 % all the time and select 5% rewards, this qtr it's 5% on gas and rest. Obviously, you need to pay off each month or any interest will eat up the rewards.

DesertDevil · Jul 5, 2012

Chase Sapphire is good. No annual fee and good rewards program. 1% cash back on all purchases. Usually 5% back on stuff like dining out and travel.

jesse1111 · Jul 5, 2012

Discover has some good ones, Chase Freedom, and Bank of America Cash Rewards. The last one gives 3% back on gas all the time, 2% on Groceries, and 1% everything else. Those are the free ones. If you don't mind an annual fee Amex Blue card is really good.

ThreeKings · Jul 5, 2012

I have used discover, citicard, american express but the US Bank Flex Perks platinum package is the best I have found. 1.5% on everything and 2% on groceries and other things, also only need to use 20,000 miles for flight up to $400 on many airlines (american express is 35,000 miles for a flight), you can also use points for cash, gift cards or merchandise. They also give you points for signing up and bonus points for certain spend levels.

charliebrown · Jul 5, 2012

Three Kings said:
I have used discover, citicard, american express but the US Bank Flex Perks platinum package is the best I have found. 1.5% on everything and 2% on groceries and other things, also only need to use 20,000 miles for flight up to $400 on many airlines (american express is 35,000 miles for a flight), you can also use points for cash, gift cards or merchandise. They also give you points for signing up and bonus points for certain spend levels.

I just checked their web site. That US Bank card looks like a great deal. What is the interest rate they charge on balances?

ThreeKings · Jul 5, 2012

15.99% is high but I pay my balance each month.

niltes · Jul 5, 2012

fidelity, i believe, has a 2% cash back on everything.

sean1 · Jul 5, 2012

Penfed, Fidelity, and schwab all have good cash back cards.

Amex Platinum is great for airline clubs

Amex Delta reserve is great if you fly delta a lot and want upgrades.

charliebrown · Jul 5, 2012

Three Kings said:
15.99% is high but I pay my balance each month.

Its actually not that high. I pay 14.99% on my AA Visa card. Probably most cards are 15%-18%

What's the best new credit card to get?

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