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
371,746 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]

1,081 Comments

43 44 45 46 47

Sign up for a Slickdeals account to remove this ad.

#661
Thanks guys, that's a lot of helpful info.

I actually learned shortly after posting about high utilization of my credit being bad, and had no idea about it before.

One thing to note is that I do have two other credit cards which I'm not the primary on. I'm actually not sure how those are affecting my credit score, if they are, because they are hardly ever used (I mean the cards directly under my name). Again, I'll need to read up on how sub-holder cards affect me but even if they did it probably wouldn't help my situation because I'm still putting all my credit onto one card. I've avoided using the sub-holder cards in the past because the primary holders are my parents and brother, and it was a hassle to spend on those cards and have to keep track of the balance to pay them back every month.

I think I'll start making more citi card payments per month for now since I can definitely afford it. Since no real sign up offers are around anyway, I don't mind waiting for awhile. Plus it'll give me some more time to research and learn the smaller details. Sounds like I have a lot to learn, but thanks for the help so far.
Reply Helpful Comment? 0 0
#662
Quote from fstop View Post :
One thing to note is that I do have two other credit cards which I'm not the primary on. I'm actually not sure how those are affecting my credit score, if they are, because they are hardly ever used (I mean the cards directly under my name). Again, I'll need to read up on how sub-holder cards affect me but even if they did it probably wouldn't help my situation because I'm still putting all my credit onto one card. I've avoided using the sub-holder cards in the past because the primary holders are my parents and brother, and it was a hassle to spend on those cards and have to keep track of the balance to pay them back every month.
Being an authorized user on someone else's card doesn't have the same effect it used. I was an authorized user on my parents card when I was in college in the late 90's/early 2000's. Back then it did seem to have a significantly positive impact on my credit. From reading up, it seems that nowadays you see virtually no benefit.

One exception is American Express, they consider your account age from the time you were added as an authorized user. Say your parents added you as an authorized user 5 years ago, and you applied for a new, totally different Amex today. Amex would effectively say that the new credit has an account age of 5 years.
Reply Helpful Comment? 0 0
#663
Quote from bta15 View Post :
One exception is American Express, they consider your account age from the time you were added as an authorized user. Say your parents added you as an authorized user 5 years ago, and you applied for a new, totally different Amex today. Amex would effectively say that the new credit has an account age of 5 years.
I may be wrong, but I thought in this case, your new card would actually have a history dating back to the parent's date of account opening?
Reply Helpful Comment? 0 0
#664
Quote from Chalupa2 View Post :
I may be wrong, but I thought in this case, your new card would actually have a history dating back to the parent's date of account opening?
That could be, I'm not sure whether its when they opened the account or when they added them as an authorized user. Either way it will have a positive impact.
Reply Helpful Comment? 0 0
#665
Wow, that's actually some really good news. Both the accounts that I am a sub on are Amex, one amex macy's platinum and one amex blue. So looks like I can probably get approved for an Amex card quite easily. I've been a sub on them for at least 3-4 years.

I'll probably wait around for a decent sign up bonus. Plus I still want to sort things out with my current credit card and credit utilization, so I'll probably wait.
Reply Helpful Comment? 0 0
#666
I'm debating what CC I should get. I was offered the discover student IT CC but curious if chase freedom is better. I feel that getting chase freedom is better since I can get back $100 for spending $500, where discover does not have any cash back after spending a certain amount. Also if chase is better, should I wait for when they have a better promo on the card? I've seen them have $300 cash back when spending $500 but I was not eligible. So which one is better? Could I get both, if I do what would be the pros and cons.

I am a low income college student. Spending habits are minimal: daily food, sometimes grocery shopping, occasional slickdeals etc...

Thanks in advance Big Grin
Reply Helpful Comment? 0 0
#667
Thanks to SD I now have as many Southwest miles as I'm likely to use for the forseeable future, and a companion pass on the way. I'm now looking to add another card to help with other travel expenses - car rentals and hotels. Car rentals would be my first choice, but hotel nights would also come in handy.

Any suggestions for what ot look at for car rental? If I instead go for a hotel nights card, would you suggest one of the Starwood cards?

Thanks in advance.
Reply Helpful Comment? 0 0

Sign up for a Slickdeals account to remove this ad.

#668
Hi everyone,

Hoping I can get help here. I only have 2 credit cards to my name: 1 Bank of America AMEX card I just don't use (I think it's somewhere in a drawer and I never activate the new ones I get) and 1 Amazon.com visa credit card.

I don't want an annual fee, don't care about interest rates because I pay everything on time and in full, and don't get miles, I focus on cash back.

For years now, I wanted to get a second credit card to use, but I can never seem to find the right fit. I generally find all those "3% gas, 2% groceries, 1% everywhere else" deals to be a sham, and those 5% CB for different categories every 3 months also never seem to be that enticing.

Can anyone recommend me a good CB, non-visa credit card I can use as my secondary? I keep hearing about Discover on here, but is it worth it? Should I try to transfer my AMEX to another, new card for better CB?

Thanks in advance
Reply Helpful Comment? 0 0
#669
Quote from DickB View Post :
Thanks to SD I now have as many Southwest miles as I'm likely to use for the forseeable future, and a companion pass on the way. I'm now looking to add another card to help with other travel expenses - car rentals and hotels. Car rentals would be my first choice, but hotel nights would also come in handy.

Any suggestions for what ot look at for car rental? If I instead go for a hotel nights card, would you suggest one of the Starwood cards?

Thanks in advance.
I don't think there is a card specifically for car rentals. I have found that Chase's Ultimate rewards portal generally has the lowest price available for car rentals. You can use chase UR points for a 1.25c/point through their travel portal (i.e. 10,000 points is worth $125). This maybe as good as your gonna get with car rentals.

If you don't already have a chase card, I would recommend the Freedom for no annual fee or the Chase Sapphire Preferred if you don't mind the annual fee for the large sign up bonus.


Quote from mc2157 View Post :
Hi everyone,

Hoping I can get help here. I only have 2 credit cards to my name: 1 Bank of America AMEX card I just don't use (I think it's somewhere in a drawer and I never activate the new ones I get) and 1 Amazon.com visa credit card.

I don't want an annual fee, don't care about interest rates because I pay everything on time and in full, and don't get miles, I focus on cash back.

For years now, I wanted to get a second credit card to use, but I can never seem to find the right fit. I generally find all those "3% gas, 2% groceries, 1% everywhere else" deals to be a sham, and those 5% CB for different categories every 3 months also never seem to be that enticing.

Can anyone recommend me a good CB, non-visa credit card I can use as my secondary? I keep hearing about Discover on here, but is it worth it? Should I try to transfer my AMEX to another, new card for better CB?

Thanks in advance
Fidelity Amex offers 2% everywhere. I've also heard good things about discover, I think they use the 5% rotating categories but have a good cashback shopping portal.
Reply Helpful Comment? 0 0
#670
Quote from bta15 View Post :
I don't think there is a card specifically for car rentals. I have found that Chase's Ultimate rewards portal generally has the lowest price available for car rentals. You can use chase UR points for a 1.25c/point through their travel portal (i.e. 10,000 points is worth $125). This maybe as good as your gonna get with car rentals.

If you don't already have a chase card, I would recommend the Freedom for no annual fee or the Chase Sapphire Preferred if you don't mind the annual fee for the large sign up bonus.




Fidelity Amex offers 2% everywhere. I've also heard good things about discover, I think they use the 5% rotating categories but have a good cashback shopping portal.
Thanks!
Reply Helpful Comment? 0 0
#671
Quote from mc2157 View Post :
Thanks!
Thanks guys!
Reply Helpful Comment? 0 0
#672
Hey there, I was wondering if anybody could give me some advice regarding a new card. I only have one card, a Wells Fargo visa that I have had for about 18 months, which basically represents my credit history. I am looking for a new card since I would rather not be tied to my bank by it, and I'd rather open a new permanent account sooner rather than later. We always pay off our cards early, never carry a balance, but we don't spend a ton either so I'm not sure how much rewards we would actually accumulate. Currently I am thinking I should just get a rewards card focused on gas and groceries.

Also, I think the link for the amex blue card in the op is broken.
Reply Helpful Comment? 0 0
#673
I have a quick question. I receive an American Express offer for I believe the green card. I want to apply for the Blue Cash everyday card but I'm not sure if I will get approved. I currently have 1 credit card through US bank, that I have had for 8 months. this is currently my only credit card.
Reply Helpful Comment? 0 0
#674
Quote from paperfc View Post :
I have a quick question. I receive an American Express offer for I believe the green card. I want to apply for the Blue Cash everyday card but I'm not sure if I will get approved. I currently have 1 credit card through US bank, that I have had for 8 months. this is currently my only credit card.
Check your credit score (you can even use something like creditkarma just to get an idea). A lot of things affect your credit score and your chances of getting accepted for a card. I would say just apply for the card, and if you get turned down try to get an easier card in 6 months. Keep it for 6 more months, then apply for this one.

Without knowing more about your specific situation, I can't really offer much more than that.

Good luck Smilie.
Reply Helpful Comment? 0 0

Sign up for a Slickdeals account to remove this ad.

#675
Quote from DWad View Post :
Check your credit score (you can even use something like creditkarma just to get an idea). A lot of things affect your credit score and your chances of getting accepted for a card. I would say just apply for the card, and if you get turned down try to get an easier card in 6 months. Keep it for 6 more months, then apply for this one.

Without knowing more about your specific situation, I can't really offer much more than that.

Good luck Smilie.
My credit karma score is 716, so i went ahead and applied but got declined instantly. I think it is because my income is under $13k due to still going to school and working for my parents i.e. Get paid cash, no monthly check.

I put in a request for a $1000 increase on my current CC. Hopefully that gets approved so i can buy a laptop for school.
Reply Helpful Comment? 0 0
Page 45 of 73
43 44 45 46 47
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)