Credit Card Thread

Quote from omghaxcode : which one? Venture One, Cash Rewards, or another? Also, will I get approved? I put about 2k through my Chase Freedom a month for 13 months but limit is only $1,700 after being raised from $1,200 a few months ago. I'm constantly spending $200, paying it off and repeating so that's kinda why I want this card. No car payments, loans, etc. Other than my apartment checks, not much credit.

I'd say the Cash Rewards card because, you know, eff annual fees.

The rewards aren't worth much, I only use mine for international charges.

Quote from tadc : I'd say the Cash Rewards card because, you know, eff annual fees. The rewards aren't worth much, I only use mine for international charges.

The Venture One card doesn't have a fee, just the Venture card I think.

Quote from omghaxcode : The Venture One card doesn't have a fee, just the Venture card I think.

right but Venture has a lower reward rate.

Quote from tadc : right but Venture has a lower reward rate.

noted, thanks a lot

Quote from tadc : right but Venture has a lower reward rate.

I just took a look at the Capital One Cash rewards card and it claims I must have this history if I'm likely to be accepted:

"I have had a loan or credit card for 3 years or more with a credit limit above $5,000"

Is it possible I'll be accepted at $1,700 limit for just over 1 year? If it's highly unlikely I don't think I'll bother.

Quote from omghaxcode : I just took a look at the Capital One Cash rewards card and it claims I must have this history if I'm likely to be accepted: "I have had a loan or credit card for 3 years or more with a credit limit above $5,000" Is it possible I'll be accepted at $1,700 limit for just over 1 year? If it's highly unlikely I don't think I'll bother.

Hard to say. If you aren't approved for *that* card, they will likely offer you *some* card. If I'm not mistaken all CO cards have no Foreign Transaction fee, so you could use it for foreign purchases until your credit is good enough to convert to a rewards card.

Other than foreign transaction fee, what do you think of:

https://www.usbank.com/credit-car...ature.html

Why isn't this card talked about more? It seems to me that it's better than Chase Freedom because you can select the 5% categories.

Quote from omghaxcode : Other than foreign transaction fee, what do you think of: https://www.usbank.com/credit-car...ature.html Why isn't this card talked about more? It seems to me that it's better than Chase Freedom because you can select the 5% categories.

Seems interesting.

Maybe because you have to apply in-branch?

I can't seem to find any info about annual fee. Is there one?

Quote from tadc : Seems interesting. Maybe because you have to apply in-branch? I can't seem to find any info about annual fee. Is there one?

No annual fee. Looks like a great card so I applied for that one and got it with a $7,500 limit. My GF is applying for the Capital One card so I can get 5% cash back on the $2,500 of plane tickets and we can use the foreign transaction card abroad. Thanks

**Also, if people are interested, all I had to do was call a US Bank branch and they applied for it over the phone. I have no history with them so I see this as a GREAT supplement for Chase Freedom because you get 5% cash back on gas with Chase (6/12 months a year) and other great perks on this card for other places.

My Sapphire Preferred renewal comes up in March and I'm wondering if it's worth it to pay the fee ($95/yr) or if I should downgrade to the (free) regular Sapphire or migrate to the Freedom.

Most paid cards have some sort of annual incentive to keep you (e.g. my Delta Amex gives me a companion pass every renewal), it doesn't look like the Sapphire Preferred offers anything.

Didn't see Navy Federal Credit Union mentioned here: www.nfcu.org.

They have a 0% APR BT for a year with no balance transfer fee deal going on right now. Deal expires at the end of February.

Quote from hobojon : Why isn't the Fidelity Amex listed under the "High Rewards" category. It gives 2% cash back on everything with no caps. http://personal.fidelity.com/prod...owcard=all

Seconded.

Quote from t1m0thy : Didn't see Navy Federal Credit Union mentioned here: www.nfcu.org. They have a 0% APR BT for a year with no balance transfer fee deal going on right now. Deal expires at the end of February.

DCU (Digital Federal Credit Union) also offer many low APR cards with very high starting credit limits.

Quote from t1m0thy : Didn't see Navy Federal Credit Union mentioned here: www.nfcu.org. They have a 0% APR BT for a year with no balance transfer fee deal going on right now. Deal expires at the end of February.

This for whoever is eligible. Fantastic bank and always no balance transfer fees on their cards.