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

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

• Fidelity Rewards Visa

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

Main page: Category:Credit Cards

• 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