Recommend a new CC for me

[RadiclDreamer]

I've had a chase card for about 5 years now and its been great until recently. They "made improvements" to their website and now its so god awful retarded I cant stand it any longer so I want to do a balance transfer to someone that doesnt suck. My credit rating is great ~800 and I never miss payments. Rewards programs are nice but not entirely required.

What do you suggest. I cant handle this piss poor website any more.

 

[Zim Hosein]

Do you travel often RadiclDreamer?

 

[RadiclDreamer]

Almost never, other than surrounding states

 

[Zim Hosein]

Originally posted by: RadiclDreamer
Almost never, other than surrounding states

Well there goes my suggestion of an AmEx Blue card RadiclDreamer!

 

[RapidSnail]

Originally posted by: Zim Hosein

Originally posted by: RadiclDreamer
Almost never, other than surrounding states

Well there goes my suggestion of an AmEx Blue card RadiclDreamer!

Zim Hosein, thank you for trying. Thanks for the try Zim Hosein!

 

[jarfykk]

http://www.creditcardguide.com/

Fairly comprehensive guide, sorts by what kind of "benefit" you want...I say benefit because many are not beneficial in any way, but some credit cards are good to use. I use AMEX True Earnings (affiliated with Costco membership)....for my spending pattern gives me good amount of cash back each year. If you travel a lot, as asked by Zim, the various airline/hotel cards are worth a look. The AMEX Starwood card lets you accumulate similar number of points to airline-specific ones, but lets you ship them over to whichever airline you want, while, for example, AMEX Skymiles card's primary benefit is Delta Skymiles...which doesn't help much if you want to cash in your United miles at the time...good choice if you fly one carrier/alliance a lot though. Each airline has at least 1 affiliated credit card. Likewise most banks have a cash back card like (though generally worse) the the one I noted above.

Also consider if you generally carry a balance, like/need to do balance transfers, and other interest rate-related items...it makes the rates and terms matter much more than someone who pays them off every month. Generally, for folks with good credit/income, cards have *either* a lower interest rate OR miles/points/cash back as outlined above. Avoid ones with annual fees unless they're worth it (usually aren't) for their level of benefit. If someone has average or poor credit, there are still many options but sometimes have higher rates and NO perks, require annual fees, etc. Those with new credit are best served by something like the various Citibank student cards (for students obviously) or Capital Ones various offers.

Edit: AMEX Blue is also good. However, AMEX are often not accepted everywhere that Visa/MC are, so I also carry a BofA MC as my backup.

 

[SoulAssassin]

Penfed, 1.25% back on everything, 2% back on supermarket, 5% on gas

 

[Baked]

I have Citi, AMEX, and Disco. All have good websites. Citi and Disco let you create virtual CC #.

 

[Capt Caveman]

Chase's website is actually better than most.

 

[LS21]

AMEX web is the best ive used (costco true earnings with 5% gas, 3% restaurants, 2% travel)
then I use a Citi as backup. they have virtual CC which is neat but honestly i havent been worried about fraud for a while

 

[Special K]

Originally posted by: SoulAssassin
Penfed, 1.25% back on everything, 2% back on supermarket, 5% on gas

Penfed's card is good, but there are restrictions as to who can join. The worst case scenario is you would have to make a one time donation of $20 to the national military families association.

Depending on how often you use the card, you could make up that cost pretty quickly.

 

[mugs]

Originally posted by: RapidSnail

Originally posted by: Zim Hosein

Originally posted by: RadiclDreamer
Almost never, other than surrounding states

Well there goes my suggestion of an AmEx Blue card RadiclDreamer!

Zim Hosein, thank you for trying. Thanks for the try Zim Hosein!

Lulz, good one RapidSnail

 

[SoulAssassin]

Originally posted by: Special K

Originally posted by: SoulAssassin
Penfed, 1.25% back on everything, 2% back on supermarket, 5% on gas

Penfed's card is good, but there are restrictions as to who can join. The worst case scenario is you would have to make a one time donation of $20 to the national military families association.

Depending on how often you use the card, you could make up that cost pretty quickly.

With 5% back on gas some people will break even the first month. Plus the $20 donation allows you to open checking, savings, car loan, mortgage, etc with them all of which have pretty good rates.

 

[Bignate603]

I like my Citibank Student platinum card. 3% cash back on gas, groceries and pharmacy purchases, 1% everywhere else. No fees, 14.9% interest rate which isn't great but I've paid about $20 interest total since I got the card 3 years ago. It gets paid off each month but I've had a couple emergencies (car repairs usually) that I couldn't pay off in just one month.

 

[JEDI]

Originally posted by: RadiclDreamer
I've had a chase card for about 5 years now and its been great until recently. They "made improvements" to their website and now its so god awful retarded I cant stand it any longer so I want to do a balance transfer to someone that doesnt suck. My credit rating is great ~800 and I never miss payments. Rewards programs are nice but not entirely required.

What do you suggest. I cant handle this piss poor website any more.

household bank (hsbc affiliate) 2% rewards credit card -> cannot have if you have any other household/orchard/hsbc credit card. (they co-brand about a zillion other credit cards so u might have one, like the 5% GM card.)

emigrantdirect 1.4% rewards credit card
penfed 1.25% (5% gas) credit card
costco business amex 5% gas/3% restaurants/1% everything else

/thread

 

[Dulanic]

Chase and BofA are the best websites IMO, Citi likely being one of the worst. Citi has major issues with showing/linking all your accounts together.

 

[LS21]

BOFA has the worst website. almost as bad as capital one that is shut down every sunday for maintenance

 

[Dulanic]

Originally posted by: LS21
BOFA has the worst website. almost as bad as capital one that is shut down every sunday for maintenance

Please...explain...I have account's with most major banks and I have to say BofA overall is the best one website wise. I love having all my accounts with them all linked in one single spot. I have a mortgage, car, 2 CCs, 2 checking, a savings, a CD, a money market, and a investment account with them. I can tranfer money between each of them with one simple transfer funds tab. I can transfer both inside and outside the bank in the same spot. It is one of the only banks I have used that shows not only cleared charges but also pending charges. It is one of the only banks (if not the only one) that has something like My Portfolio which shows all of my accounts with them and anyone else I add. They have by far the easiest to use locate a transaction search section for trying to find a older transaction. All statements are right at the front with the option to either view or download as PDF. It is the only bank I know of that also provides not only the statement itself for download but any account change documentation also. I believe they are the only one who offically supports FireFox also so any issues they wont give you crap saying we dont support that browser (not a huge deal I know)....

So...why are they one of the worst? I would love to know. I understand maybe you don't like them, maybe you had a bad experience...but after using almost every bank I can guarantee your statement is wrong.

 

[Chunkee]

i just got an advanta....0% for 15 months. 5% cash back....not too bad i guess...

 

[Dulanic]

Originally posted by: Chunkee
i just got an advanta....0% for 15 months. 5% cash back....not too bad i guess...

Hmm their cash back has tons of limitations...I probably would have went with a citibank card for rewards if you dont want to use chase.

"Cash Back rewards are earned based on your annual level of Net Purchases, excluding Bonus Qualifying purchases, as follows: .25% on up to $3,000 in purchases; .50% on purchases between $3,000.01 and $5,000; .75% on purchases between $5,000.01 and $15,000; and 1% on purchases in excess of $15,000.

Cash Back rewards are also earned on Bonus Qualifying purchases, which include purchases in the following categories: "gasoline and diesel fuel," "computers, computer supplies, electronics and office supplies," "online advertising services," and "utilities and telecommunications." Cash Back rewards on Bonus Qualifying purchases are earned as follows: 5% on up to $1,200 in annual purchases; 1% on purchases in excess of $1,200."

Not horrible except for spending between $0 and $15000.00. The rewards only really kick in past $15000. And then the 5% caps at $1200 spending.