Credit Cards: Difference between revisions

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#* Make sure you list an income that is >=$10,000.
#* Make sure you list an income that is >=$10,000.
#* If rejected, apply for the secured card or the Capital One Platinum.
#* If rejected, apply for the secured card or the Capital One Platinum.
==Alliant Credit Union==
* [[Alliant Visa Signature]]


==American Express==
==American Express==
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MR points can be redeemed for cash at 0.6 cents per point.
MR points can be redeemed for cash at 0.6 cents per point.


* [[Amex EveryDay]]
* [[Amex EveryDay]] - 2 MR points at supermarkets
** 2 MR points at supermarkets
* [[Amex Blue Business Plus]] - 2 MR points per dollar
* [[Amex Blue Business Plus]]
** 2 MR points per dollar


==Bank of America==
==Bank of America==
* [[Bank of America Cash Rewards Credit Card]]
* [[Bank of America Cash Rewards Credit Card]] - 3% in a fixed category of your choice, 2% at grocery stores and wholesale clubs
** 3% in a fixed category of your choice, 2% at grocery stores and wholesale clubs


==Capital One==
==Capital One==
* [[Capital One Quicksilver]]
* [[Capital One Quicksilver]] - 1.5% Cashback. No foreign transaction fee.
** 1.5% Cashback. No foreign transaction fee.


==Citi==
==Citi==
* [[Citi Custom Cash]]
* [[Citi Double Cash]]
* [[Citi Double Cash]]
** 2% Cashback


==Chase==
==Chase==
Chase cards earn UR points. 
Chase cards earn UR points which can be redeemed for statement credit at 1 cent per point.<br>
UR points can be redeemed for statement credit at 1 UR point = 1 cent.
With the Sapphire Preferred or Reserve cards, they can be transferred or redeemed for travel for more value.
With the Sapphire Preferred or Reserve cards, they can be transferred or redeemed for travel for more value.


* [[Chase Freedom]]
* [[Chase Freedom]] - 5 UR points at rotating categories
** 5 UR points at rotating categories
* [[Chase Freedom Unlimited]] - 1.5 UR points
* [[Chase Freedom Unlimited]]
* [[Chase Sapphire Preferred]] - 2 UR points travel and dining worldwide, $95 AF
** 1.5 UR points
* [[Chase Sapphire Reserve]] - 3 UR points travel and dining worldwide, $450 AF
* [[Chase Sapphire Preferred]]
** 2 UR points travel and dining worldwide, $95 AF
* [[Chase Sapphire Reserve]]
** 3 UR points travel and dining worldwide, $450 AF
* [[Chase Amazon Visa]]
* [[Chase Amazon Visa]]


;Caveats
;Caveats
* 5/24 rule. If you've gotten 5 credit cards (from any issuer) within the past 24 months, you will get automatically rejected
* 5/24 rule. If you've gotten 5 credit cards from any issuer within the past 24 months, your application will be rejected.


==Discover==
==Discover==
* [[Discover it Cash Back]]
* [[Discover it Cash Back]] - 5% Rotating categories
** 5% Rotating categories
* [[Discover it Chrome]] - 2% at Gas and Restaurants
* [[Discover it Chrome]]
 
** 2% at Gas and Restaurants
==Fidelity==
* [[Fidelity Rewards Visa]]


==Synchrony Bank==
==Synchrony Bank==
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They also give the highest credit limits among banks I've applied to.
They also give the highest credit limits among banks I've applied to.


* [[PayPal Cashback Mastercard]]
* [[PayPal Cashback Mastercard]] - 3% cashback w/ PayPal checkout, 1.5% elsewhere
** 3% cashback w/ PayPal checkout, 2% elsewhere
* [[Amazon Store Card]] - 5% cashback at Amazon
* [[Amazon Store Card]]
* [[Rakuten Cash Back Visa]] (Discontinued) - 3% cashback on Rakuten cashback purchases
** 5% cashback at Amazon
* [[Synchrony Premier Mastercard]]
* [[Rakuten Cash Back Visa]] (Discontinued)
** 3% cashback on Rakuten cashback purchases


==Wells Fargo==
==Wells Fargo==
* [[Wells Fargo Propel]] (replaced by Wells Fargo Autograph)
* [[Wells Fargo Autograph]] (formerly [[Wells Fargo Propel]]) - 3% on restaurants, gas, travel. No annual fee.
** 3x on restaurants, gas, travel. No annual fee.
* [[Wells Fargo Active Cash]] - 2% visa card. No annual fee.
** This has been discontinued and replaced by the Wells Fargo Autograph Visa.
* [[Wells Fargo Active Cash]]
** 2% visa card. No annual fee.


==Categories==
==Categories==
{{main | Category:Credit Cards}}
* [[:Category:Credit Card - 2% Cashback]]
* [[:Category:Credit Card - 5% Rewards]]
* [[:Category:Credit Card - No foreign transaction fee]]
* [[:Category:Credit Card - No foreign transaction fee]]
==Benefits==
===Auto Rental Collision Damage Waiver===
See https://www.nerdwallet.com/article/credit-cards/credit-card-rental-car-coverage
;Primary
* Bilt World Elite Mastercard
;Secondary
* Wells Fargo Autograph
* Wells Fargo Active Cash
===Cellular Telephone Protection===
* Wells Fargo Autograph
* Wells Fargo Active Cash

Latest revision as of 02:41, 4 July 2024

Credits Cards categorized by the issuing bank.

Getting Started

  1. Get the Discover It 5% card as your first card
    • Use a referral link for $50 credit
    • Mark your occupation as student to get the student card
    • Make sure you list an income that is >=$10,000.
    • If rejected, apply for the secured card or the Capital One Platinum.

Alliant Credit Union

American Express

Amex cards earn MR points. MR points can be redeemed for cash at 0.6 cents per point.

Bank of America

Capital One

Citi

Chase

Chase cards earn UR points which can be redeemed for statement credit at 1 cent per point.
With the Sapphire Preferred or Reserve cards, they can be transferred or redeemed for travel for more value.

Caveats
  • 5/24 rule. If you've gotten 5 credit cards from any issuer within the past 24 months, your application will be rejected.

Discover

Fidelity

Synchrony Bank

Synchrony Bank is one of the more lenient lenders. I have yet to get rejected for a credit card from them. They also give the highest credit limits among banks I've applied to.

Wells Fargo

Categories

Main page: Category:Credit Cards

Benefits

Auto Rental Collision Damage Waiver

See https://www.nerdwallet.com/article/credit-cards/credit-card-rental-car-coverage

Primary
  • Bilt World Elite Mastercard
Secondary
  • Wells Fargo Autograph
  • Wells Fargo Active Cash

Cellular Telephone Protection

  • Wells Fargo Autograph
  • Wells Fargo Active Cash
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