Originally posted by: fatpat268
It doesn't really matter what card you pick, as long it doesn't screw you over in interest rates.
Originally posted by: lightweight
Originally posted by: fatpat268
It doesn't really matter what card you pick, as long it doesn't screw you over in interest rates.
This is terrible advice. Please disregard it.
Having said that, I prefer using one of these two:
Citibank Mastercard Dividend
Discover Dividend
Both offer 1% cash back on all purchases and 5% cash back on all gas, grocery or drug purchases. Other cards offer rewards in the form of points and airline travel but I prefer a check.
Originally posted by: lightweight
Originally posted by: fatpat268
It doesn't really matter what card you pick, as long it doesn't screw you over in interest rates.
This is terrible advice. Please disregard it.
Having said that, I prefer using one of these two:
Citibank Mastercard Dividend
Discover Dividend
Both offer 1% cash back on all purchases and 5% cash back on all gas, grocery or drug purchases. Other cards offer rewards in the form of points and airline travel but I prefer a check.
Originally posted by: daggerr
As WiredSpider mentioned, the Citi mtvU card is a great college student card as it pays 5% rewards at various entertainment-related venues; I wish I could get that one. The Citi Driver's Edge for Students is also good; it pays 3% rewards at gas, grocery, and drug stores. There's a Capital One card that will net you 1.25% rewards on all of your spending.
To see which student rewards card (or combination of cards) will pay you the most for your categorical spending profile, you can use this rewards calculator:
Best Student Rewards Card Calculator (Citi, Chase, Capital One, etc.)
Originally posted by: fatpat268
It doesn't really matter what card you pick, as long it doesn't screw you over in interest rates.
Originally posted by: wiredspider
While you are still a student, try to get the Citi MTVU card, it's a "student" card and gives 5 points back per dollar spent on:
book stores (i know you probably won't need to buy anymore books, but amazon.com counts as a "bookstore" too)
restaurants (even fast food)
music stores, video stores and movie theaters (I don't use those so much, but you might)
If you get good grades, they also reward points based on GPA. I got a 4.0 once and got 2000 points which is ~$20, more than my parents ever gave me for grades .
And if you feel so inclined, PM for referral link so I can get $50/$100 statement bonus (you can refer your friends for a bonus too).l
Originally posted by: gorcorps
Alright all, I've been thinking about getting a CC to get some credit going before I'm out of college. What's you opinions on the best ones as far as use in as many places as possible, rewards, protection, and all that stuff?
Originally posted by: smack Down
Originally posted by: fatpat268
It doesn't really matter what card you pick, as long it doesn't screw you over in interest rates.
Or could pay off the credit card ever month and not get screwed on interest. BTW if you're paying 10% interest or 30% you are still getting screwed