3 best credit cards out there.

[qtb4me]

I have good credit and can apply for pretty much any card, although I'd like to only have about 3 credit cards.  I am a seldom traveler (about 2-3 times a year max) so I would like to have great points or cash back unless the miles are  awesome and are worth the most.  What are the 3 top recommended cards?  thanks!

[sky121]

I have good credit and can apply for pretty much any card, although I'd like to only have about 3 credit cards.  I am a seldom traveler (about 2-3 times a year max) so I would like to have great points or cash back unless the miles are  awesome and are worth the most.  What are the 3 top recommended cards?  thanks!

What do you spend most of your money on?

I'd say the Chase Sapphire Preferred is a top 3.

[qtb4me]

i spend most money on everyday items... gas is prob the top of the list. 

[qtb4me]

I actually have the CSpreferred for the great bonus they offered, but the free year is up and is the $95 annual fee really worth it?

[sky121]

I actually have the CSpreferred for the great bonus they offered, but the free year is up and is the $95 annual fee really worth it?

You can close it down and open it again. Not sure how much spend you put on the card but you will receive a 7% bonus soon in February on all points you've earned.

[qtb4me]

got the bonus already for that first year (i got 100,000 sign-up  points and spent like 10 grand so i got 7700 bonus points).
Any other cards that would be good ?

[sky121]

got the bonus already for that first year (i got 100,000 sign-up  points and spent like 10 grand so i got 7700 bonus points).
Any other cards that would be good ?

Amex SPG -
Chase Freedom
AMEX PRG

[mmermss]

got the bonus already for that first year (i got 100,000 sign-up  points and spent like 10 grand so i got 7700 bonus points).
Any other cards that would be good ?

SPG by Amex
Freedom from chase you'll get 5 ppd on gas till march

[qtb4me]

what about capital one?  1% back on everything ?  no good?

[mmermss]

what about capital one?  1% back on everything ?  no good?

Noooo. 

They hit all three credit bureau's.  Not worth it.

[Red]

If you spend on gas and groceries maybe Blue Cash Preferred would work for you...

[nutcase]

If you spend on gas and groceries maybe Blue Cash Preferred would work for you...

+1

amex spg everyday spend
freedom 5% rotating cat. every 3 months
amex blue. groceries and gas everyday

[qtb4me]

so I used to have Amex Blue - but it was like .05% for the first $3000 and then 1% after that only on their main categories with .05% on everything else....    Is that the same card you are talking about?

[HelpMe]

so I used to have Amex Blue - but it was like .05% for the first $3000 and then 1% after that only on their main categories with .05% on everything else....    Is that the same card you are talking about?

BCP is 6% on groceries (6k in purchases per year).

[Yeki89]

Noooo. 

They hit all three credit bureau's.  Not worth it.

big deal if it is a one time thing. doesnt seem like OP is a churner

[nutcase]

big deal if it is a one time thing. doesnt seem like OP is a churner

it is a big deal 3 hits for one lousy card. op seems like he has had other cards in the past. crapital one is an inferior card so why take 3 hits for such a bad card? if you love there 1% cashback why not go discover who only hits 1 cr (usually eq) and has rotating 5%and has shopdiscover

side note cap one is imposible to deal with if you ever mess up aka a 30 day late on your cr(which will really hurt your credit) to get removed with them is close to impossible

[yitzf]

what about capital one?  1% back on everything ?  no good?

If you want a straight up cash back card, look into the Priceline visa which essentially gives you 2% cash back or the Fidelity Amex for 2% cash back.

[MEIR613]

it is a big deal 3 hits for one lousy card. op seems like he has had other cards in the past. crapital one is an inferior card so why take 3 hits for such a bad card? if you love there 1% cashback why not go discover who only hits 1 cr (usually eq) and has rotating 5%and has shopdiscover

side note cap one is imposible to deal with if you ever mess up aka a 30 day late on your cr(which will really hurt your credit) to get removed with them is close to impossible

A lot of places don't take discover.

If you want 1% CB go with freedom. Plus UR mall.