Credit Cards

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

• Alliant Visa Signature

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

• Citi Custom Cash
• Citi Double Cash
  • 2% Cashback

Chase

Chase cards earn UR points.
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.

• 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, you will get automatically rejected

Discover

• Discover it Cash Back
  • 5% Rotating categories
• Discover it Chrome
  • 2% at Gas and Restaurants

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, 2% elsewhere
• Amazon Store Card
  • 5% cashback at Amazon
• Rakuten Cash Back Visa (Discontinued)
  • 3% cashback on Rakuten cashback purchases

Wells Fargo

• Wells Fargo Propel (replaced by Wells Fargo Autograph)
  • 3x on restaurants, gas, travel. 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

• Category:Credit Card - No foreign transaction fee