Welcome to the updated Slickdeals redesign beta. Learn more and give us feedback. Or, return to the classic view.

Search in
Forum Thread

Credit Card Thread

thelnel52 2,440 February 12, 2010 at 01:22 PM
Deal
Score
+52
370,556 Views

Thread Details

BALANCE TRANSFER CARDS
Card Name Duration of 0% Fee Cap Link
Virgin America Visa Signature Card 6 months 3% $50 Link [virginamericavisa.com]
Escape by Discover Card 6 months 3% Uncapped Link [creditkarma.com]
Discover More Card 18 months 4% Uncapped Link [creditkarma.com]
Citi Forward Card 12 months 3% Uncapped Link [citicards.com]
HSBC GM Flexible Earnings Card 12 months 3% Uncapped Link [hsbcapply.com]
Barclays Coast to Coast 12 months 3% $75 Link [coastresortscard.com]
Chase Freedom MC 12 months 5% Uncapped Link
Chase Freedom Visa 12 months 5% Uncapped Link
Slate from Chase Visa 15 months 3% Uncapped Link



LOW APR CARDS
Card Name Duration of 0% APR Regular APR Link
Escape by Discover Card 6 months 10.99-15.99% variable** Link [creditkarma.com]
Miles by Discover Card 6 months 10.99-15.99% variable** Link [creditkarma.com]
Chase Freedom MC 6 months 12.99-22.99% variable** Link
Chase Freedom Visa 6 months 12.99-22.99% variable** Link
TrueEarnings Card from Costco and American Express 6 months 15.24% (prime rate + 11.99%) Link [americanexpress.com]
Citi Forward Card 7 months 12.99-19.99% variable Link [citiforward.com]
Discover Student Card 9 months 12.99-19.99% variable Link [creditkarma.com]
Discover Open Road Card 12 months 11.99-19.99% variable** Link [creditkarma.com]
Capital One Orbitz Visa Platinum 12 months (March 2012) 13.9-19.9% variable Link [capitalone.com]
Citi Platinum Select MasterCard 12 months 11.99-19.99** Link [citicards.com]
Slate from Chase 15 months 11.99-21.99% variable** Link
** APR depends on credit score


HIGH REWARDS

Card Name Rewards Link
Discover Student Card 5% CB on certain categories (rotates monthly, must manually sign up online); .25% CB on everything else, 1% when you reach $3000 Link [creditkarma.com]
Citi Forward Card Points redeemable for gift cards; 5 points/dollar for entertainment, 1 point/dollar for other purchases, 6000 points for spending $250 within first 3 months Link [citiforward.com]
AmEx Plum Card 1.5% discount for prompt payment OR 2 months with no interest Link
Discover More Card 5% CB on certain categories (rotates monthly, must manually sign up online); .25% CB on everything else, 1% when you reach $3000 Link [creditkarma.com]
AmEx Blue Card 3% cash back at supermarkets, 2% cash back at gas stations and department stores and 1% cash back on all other eligible purchases Link
Penfed Visa Platinum Cashback Rewards 5% on gas, 1% on everything else; must be Penfed member; second card on list Link [penfed.org]
Associated Bank Visa Signature Rewards Card 1% CB on everything, 1 point per dollar, 3 points per dollar on groceries, gas, drugstores Link [associatedbank.com]

Community Wiki

Last Edited by buzzy October 21, 2014 at 12:17 PM
We have created this wiki as a place for users to insert suggestions for new cards, or to request that cards linked in the original thread should be taken down. We will edit the first post AT LEAST every other week, probably much more frequently.

Citibank Double Cash MasterCard - 2% cash back (1% when you buy, 1% when you pay). No caps, no annual fee. Only real snag is that the DO have Foreign Transaction Fees.

NerdWallet has a decent lookup [nerdwallet.com] that lets you choose the type of card and filter by credit rating and features. Worth checking for current info, that's where I saw the above:

icardbonus.com has probably the most complete, although a bit outdated collection of credit card sign-up bonuses, grouped into personal, business, student and travel categories.

The credit card rewards calculator at creditcardtuneup.com will calculate expected annual rewards for your entered spending profile for many cards. It also calculates the best combinations of cards for your spending pattern.

Just a note, Discover 5% cash back is on rotating categories, might confuse some...
***9/05/13 Penfed sent notices to change 5% to 3% and add $25 annual fee if not combined with another qualifying penfed product****

A fairly up-to-date list of 0% no-fee cards is available at zeropercentbalance.com [zeropercentbalance.com]

The Penfed Visa Platinum Cashback Rewards card is only .25% on everything else but still is 5% on gas.

The latest version of the Discover It Card has no signup bonus****, but many pluses (review linky [dailymarkets.com]):
• You no longer only get 0.25% on 1st $3K spent as w/regular Discover. It's 1%.
• No annual fee
• And you get a different phone # w/quick access to U.S. agents.


****I just got the Discover It card, and if you know someone that has a discover card, a referral gives $50 to the both parties (referrer and referee). Referrer: After signup. Referee: After 1st purchase within 3 months.
OR: link to get a $75 Amazon Gift Card with first purchase within 3 months. Linky [discovercard.com] --moosepigeon

1,081 Comments

1 2 3 4 5

Sign up for a Slickdeals account to remove this ad.

#3
Any one know if Schwab brokerage one account offers free transfer of funds to an external account like ING?
Reply Helpful Comment? 0 0
#4
Citicard tried to change my intrest rate from 11.04 to 29.99 so balance transfer on them ain't gonna look good soon In the future.
Reply Helpful Comment? 0 0
#5
Re: high cashback cards......

Perhaps you could add my Citi Driver's Edge card?

6% back at "grocery stores, gas stations, drug stores" (3% after the first year)
1% back on everything else
1 penny for every mile you drive

Cash back accumulates and can be used towards the maintenance, lease or purchase (PP or dealer) of a new or used car OR you can transfer the $$ to their ThankYou network where you can "purchase" gift cards and such.

So if you drive a lot, like me - you can save a lot.

Also note that you can take advantage of cards that give CB at certain types of stores. For instance with my card I get 3% back at grocery stores and drug stores. My local grocery/drug stores sell GC's for all sorts of places from HomeDepot to Amazon.com - just buy the GC's there, earning your 3% back (or whatever), then spend them. It may not be much but if you're, say, doing some major home remodeling, 3% back on many $k worth of purchases certainly does add up.

Also, what we did with this card this past year was to pay for our prescriptions OOP (my wife had a baby) then get reimbursed by our insurance later. Why pay a $10 copay at the POS when you can pay several hundred $$, get the 3% on that purchase price then get reimbursed later?
Reply Helpful Comment? 0 0
#6
How about something for New Credit/Bad Credit?
Reply Helpful Comment? 0 0
L7: Teacher
2,440 Reputation
Original Poster
Staff
#7
Dr. J-

Thanks for the suggestion. I went to Citi's site to check the card out, but it said "system error" when I tried to get to apply (and see the most recent version of the terms). I'll try again later and possibly put it on the list.

Lovelyssm- That's a good idea, I'll put it on the "to do" list. If you have any suggestions or particular questions, feel free to start a thread and maybe a community member will have answers for you.
Reply Helpful Comment? 0 0
#8
Which card should i get as a college student?
I also heard it's not good to close your first card so i don't want my first card to be a bad one. I want it with me for the rest of my life.

I have a Checking and Saving's acct with chase. never applied for a credit card.
Reply Helpful Comment? 0 0
#9
Quote from thelnel52 View Post :
Dr. J-

Thanks for the suggestion. I went to Citi's site to check the card out, but it said "system error" when I tried to get to apply (and see the most recent version of the terms). I'll try again later and possibly put it on the list.

Lovelyssm- That's a good idea, I'll put it on the "to do" list. If you have any suggestions or particular questions, feel free to start a thread and maybe a community member will have answers for you.


http://creditcards.citicards.com/...D87E610724
Reply Helpful Comment? 0 0

Sign up for a Slickdeals account to remove this ad.

#10
Quote from quazywong View Post :
Which card should i get as a college student?
I also heard it's not good to close your first card so i don't want my first card to be a bad one. I want it with me for the rest of my life.

I have a Checking and Saving's acct with chase. never applied for a credit card.
I signed up for a few credit cards while I was in college (darn those free t-shirts and lunches), but the only one I really use is the Discover Student Card. I just happen to like cash back cards as opposed to ones with points.
Reply Helpful Comment? 0 0
#11
Quote from chani View Post :
I signed up for a few credit cards while I was in college (darn those free t-shirts and lunches), but the only one I really use is the Discover Student Card. I just happen to like cash back cards as opposed to ones with points.
I happened to get a Discover card too. The CS is pretty good and I've had that card for about 12 years now. It wasn't a student card though.
Reply Helpful Comment? 0 0
#12
it still gives an error when you click on apply now.
Reply Helpful Comment? 0 0
Frys FAR deals searcher
2,794 Reputation
#13
First card should be one that has low rates and one you will keep for a long time. i suggest Farm Bureau Bank Platinum MasterCard www.farmbureaubank.com 800-307-0341
If you qualify, your interest rate can be as low as 5.24% for this no-fee card. Don't go for a teaser rate card but a bank that consistenly offers low rates.

also found Simmons First Natl Bank [simmonsfirst.com] with low rates and 0 annual fee. 7.25% is their rate.

Later you can sign up for others like rewards or cashback cards. i found my info from link below. Kiplinger always list 3 of the lowest rate banks in their magazine. It's usually a small bank in the south but they offer great rates that will last not 0% rates for 12 month then skyrocket.

http://www.kiplinger.com/magazine...cards.html

http://su.pr/2wlBZc
Reply Helpful Comment? 0 0
#14
Can the Amex Plum be considered slick with a $185 annual fee?
Reply Helpful Comment? 0 0
#15
Quote from quazywong View Post :
Which card should i get as a college student?
I also heard it's not good to close your first card so i don't want my first card to be a bad one. I want it with me for the rest of my life.

I have a Checking and Saving's acct with chase. never applied for a credit card.
Any card you get will build your credit which should be your top priority. Get a card without an annual fee and has a decent rewards program. APR shouldn't be a concern since you're ALWAYS going to pay off your balance in full. Remember, as a college student, you're not going to be spending enough to make rewards worthwhile (generally) and your primary goal is to establish a good credit history. That said, I recommend Discover Student More Card and Citi Forward (wait out to see if annual fees are tacked on).
Reply Helpful Comment? 0 0
Page 1 of 73
1 2 3 4 5
Join the Conversation
Add a Comment
 
Slickdeals Price Tracker
Saving money just got easier.
Start Tracking Today
Copyright 1999 - 2015. Slickdeals, LLC. All Rights Reserved. Copyright / DMCA Notice  •  Privacy Policy  •  Terms of Service  •  Acceptable Use Policy (Rules)