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Old 05-22-2009, 04:37 AM
NSTN NSTN is offline
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Question Best CC offer for good/excellent credit?

I can definitely find the comparison sites on my own, but I wanted to know if anyone has seen anything noteworthy recently? I also have to consider cards that I can get approved for with my spouse on it, who has fair/good credit.

Ideas?
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Old 05-22-2009, 12:21 PM
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Magic69 Magic69 is offline
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It all depends on what you want and how you use the card.

Do you carry a balance? (low interest)

Do you use it like a debit card where rewards could be nice? (skymiles, gas rebates, cash back - whatever fits your lifestyle)
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Old 05-22-2009, 10:37 PM
NSTN NSTN is offline
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Quote:
Originally Posted by Magic69 View Post
It all depends on what you want and how you use the card.

Do you carry a balance? (low interest)

Do you use it like a debit card where rewards could be nice? (skymiles, gas rebates, cash back - whatever fits your lifestyle)
Yeah, I have that annoying trait of wanting it all! We have a department store card that we do tend to carry a balance on, which is stupid b/c the interest rate is outrageous. We also have a Lowe's card that we recently acquired, but it's on a zero interest promo for the grill we bought. I used to have a Cap One Visa with a fixed interest rate, but closed it whenever they changed it to variable. It didn't have any perks with it.

Ideally, I would like to get a card with a decent credit limit, transfer the balance from the dept. store card, and leave it open just for the credit history and high limit it has. Rewards would be cool, too.
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Old 05-26-2009, 12:14 PM
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Well, you could look at Discover. I don't have one myself, but I have a close friend who swears by them. Their summary looks pretty good:

Get $50 Cash Back Bonus with the Discover® More Card!

# Great low rates
# No annual fee
# 5% Cashback Bonus on purchases in categories like gas, groceries, and travel
# Up to 1% Cashback Bonus on all other purchases

You might as well get something back when you spend, right?

There are a ton of options out there, though. I have an American Express that gives me airline miles and a Visa that gives me 1% cash back on all purchases. Discover is actually looking juicy now that I've done a little research on it, though.

*EDIT*
Looks like this has a 0% intro APR until 12/09, too. Hmmm...
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Old 05-26-2009, 02:00 PM
Dewey Dewey is offline
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As you know there are several that are excellent. I have had a bad experience with Capital One and I personally know about 12 other friends who have had bad experience.By the way, none of us have bad credit. My philosophy about things like this, if I have to keep an eye on someone to keep from getting ripped off, I just don't do business with them and I spread the word. If everyone did this companies with questionable records would disappear.
Dewey
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Old 05-30-2009, 07:48 AM
NSTN NSTN is offline
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Quote:
Originally Posted by Magic69 View Post
Well, you could look at Discover. I don't have one myself, but I have a close friend who swears by them. Their summary looks pretty good:

Get $50 Cash Back Bonus with the Discover® More Card!

# Great low rates
# No annual fee
# 5% Cashback Bonus on purchases in categories like gas, groceries, and travel
# Up to 1% Cashback Bonus on all other purchases

You might as well get something back when you spend, right?

There are a ton of options out there, though. I have an American Express that gives me airline miles and a Visa that gives me 1% cash back on all purchases. Discover is actually looking juicy now that I've done a little research on it, though.

*EDIT*
Looks like this has a 0% intro APR until 12/09, too. Hmmm...
You pretty much rock! Lol @ finding it tempting yourself...
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