Credit Cards: Difference between revisions
| (6 intermediate revisions by the same user not shown) | |||
| Line 16: | Line 16: | ||
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 | ||
* [[Amex Blue Business Plus]] - 2 MR points per dollar | |||
* [[Amex Blue Business Plus]] | |||
==Bank of America== | ==Bank of America== | ||
| Line 32: | Line 30: | ||
==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> | ||
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. | ||
| Line 43: | Line 40: | ||
;Caveats | ;Caveats | ||
* 5/24 rule. If you've gotten 5 credit cards | * 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== | ||
| Line 57: | Line 54: | ||
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]] - 3% cashback w/ PayPal checkout, | * [[PayPal Cashback Mastercard]] - 3% cashback w/ PayPal checkout, 1.5% elsewhere | ||
* [[Amazon Store Card]] - 5% cashback at Amazon | * [[Amazon Store Card]] - 5% cashback at Amazon | ||
* [[Rakuten Cash Back Visa]] (Discontinued) - 3% cashback on Rakuten cashback purchases | * [[Rakuten Cash Back Visa]] (Discontinued) - 3% cashback on Rakuten cashback purchases | ||
| Line 63: | Line 60: | ||
==Wells Fargo== | ==Wells Fargo== | ||
* [[Wells Fargo | * [[Wells Fargo Autograph]] (formerly [[Wells Fargo Propel]]) - 3% on restaurants, gas, travel. No annual fee. | ||
* [[Wells Fargo Active Cash]] - 2% visa card. No annual fee. | * [[Wells Fargo Active Cash]] - 2% visa card. No annual fee. | ||
| Line 71: | Line 68: | ||
* [[:Category:Credit Card - 5% Rewards]] | * [[: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
- 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.
- Amex EveryDay - 2 MR points at supermarkets
- Amex Blue Business Plus - 2 MR points per dollar
Bank of America
- Bank of America Cash Rewards Credit Card - 3% in a fixed category of your choice, 2% at grocery stores and wholesale clubs
Capital One
- Capital One Quicksilver - 1.5% Cashback. No foreign transaction fee.
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.
- Chase Freedom - 5 UR points at rotating categories
- Chase Freedom Unlimited - 1.5 UR points
- 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
- 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
- Discover it Cash Back - 5% Rotating categories
- Discover it Chrome - 2% at Gas and Restaurants
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.
- PayPal Cashback Mastercard - 3% cashback w/ PayPal checkout, 1.5% elsewhere
- Amazon Store Card - 5% cashback at Amazon
- Rakuten Cash Back Visa (Discontinued) - 3% cashback on Rakuten cashback purchases
- Synchrony Premier Mastercard
Wells Fargo
- Wells Fargo Autograph (formerly Wells Fargo Propel) - 3% on restaurants, gas, travel. No annual fee.
- Wells Fargo Active Cash - 2% visa card. No annual fee.
Categories
- Category:Credit Card - 2% Cashback
- Category:Credit Card - 5% Rewards
- 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