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Credits Cards categorized by the issuing bank. | 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 your income is >=$10,000 | |||
#* If rejected, apply for the Capital One Platinum | |||
# Get the Chase Freedom | |||
#* Use a referral link | |||
#* If rejected, get the Capital One Quicksilver or Capital One Savor One | |||
==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. | ||
Ideally, they should be transferred to airline or hotel partners (e.g. Avios). | Ideally, they should be transferred to airline or hotel partners (e.g. Avios). | ||
Do not apply for Amex cards as your first card. | |||
They will typically reject you. | |||
They're better for late-game since they will give you a card even if you've already opened a lot of cards. | |||
* [[Amex EveryDay]] | * [[Amex EveryDay]] | ||
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* [[Chase Sapphire Reserve]] | * [[Chase Sapphire Reserve]] | ||
** 3 UR points travel and dining worldwide, $450 AF | ** 3 UR points travel and dining worldwide, $450 AF | ||
;Caveats | |||
* 5/24 rule. If you've gotten 5 credit cards within the past 24 months, you will get automatically rejected | |||
==Discover== | ==Discover== | ||
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==Synchrony Bank== | ==Synchrony Bank== | ||
Synchrony Bank is one of the more lenient lender. | |||
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. | |||
* [[eBay Mastercard]] | * [[eBay Mastercard]] | ||
** 2% at eBay (first $1k eBay spending per year, then 3.33%) | ** 2% at eBay (first $1k eBay spending per year, then 3.33%) |