Forum Thread

New to the USA – which credit card to go with? Good cashback, no annual fees?

paradigmGT 30 10 August 31, 2016 at 06:54 AM
I am new to the US (from Toronto Canada), and looking to get a good credit card with no annual fees and decent cash back. I am considering the Chase Freedom card however it is only 1% cash back and 5% cashback at club stores (Costco, BJs etc). I am looking for a credit card that has good cash back in a wider range of categories (restaurants, gas, etc).

Ideally I would like to get the credit card from a big bank with a lot of branches in the New York City area such that I can also do my regular banking there as well.

Thanks

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#2
Quote from paradigmGT View Post :
I am new to the US (from Toronto Canada), and looking to get a good credit card with no annual fees and decent cash back. I am considering the Chase Freedom card however it is only 1% cash back and 5% cashback at club stores (Costco, BJs etc). I am looking for a credit card that has good cash back in a wider range of categories (restaurants, gas, etc).

Ideally I would like to get the credit card from a big bank with a lot of branches in the New York City area such that I can also do my regular banking there as well.

Thanks
Do you know what range of credit score do you have?
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#3
Quote from neoweb View Post :
Do you know what range of credit score do you have?
I am not sure what my range would be. In Canada it was excellent, but that has no bearing on US scores from what I know.

I am brand new to the US, and have only held my SSN for close to a month now.
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#4
Quote from paradigmGT View Post :
I am not sure what my range would be. In Canada it was excellent, but that has no bearing on US scores from what I know.

I am brand new to the US, and have only held my SSN for close to a month now.
Realistically you're not going to be able to get a good credit card with a nice sign up bonus and a nice set of benefits.

I'd start with the Freedom because of the 5% categories and work up from there. It's also relatively easy to get. Then when you have a good score and some time behind you, you can get a better card.

You don't want to apply for great cards and get denied over and over because that'll only hurt you.
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