pfgannon

I'm going to be applying for my first credit card today and I'd like to hear some recommendations.
Cash back, low rates, no annual fee are all a plus but I won't be making my decision based on just those features.

So any recommendations?

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cyberworkspace

american express centurion

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ExEnigma

Take what you can get. My first credit card had zero annual fee, the APR was somewhere between 15-20% and my limit was like $750. Get it, use it, pay it off. And then go back with a good track record so you can barter.

Ex

joe

AMEX Blue is a good card, and was my first.

michaeln

I like the citi credit cards for the rewards program. If not the citi cards, then I'd probably go with an AMEX product.

xboxundone

AMEX is the BEST all other will put a tight limit on you.

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NYDAz

Mondo Mastercard

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cyberkiller

amex blue cash

dastuff

Ever think that if it's your first card you may want a tight limit...

And we wonder why so many Americans are in credit card debt.

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Andrew

Make sure you get an LLC or corp so that it doesn't influence your personal credit rating (or may be you want it to)

pfgannon

Ya I need to build credit.

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ScottDaMan

Yep. Amex Blue here as well. I have them all but I recommend the Blue card. Awesome.

ScottDaMan

BTW, LLC or Corp, for the most part, when I register a business credit card, they still get my personal SSN. So if you let your business debt get out of hand and you fall behind, it will still effect you. Someone is always responsible in the end.

ToddW

"Business Cards" are different than corporate cards just like business "cell phone accounts" are different than corporate cell phone accounts

smaxor

Being as I pay off my CC every month there's two things I look for:

1. Points, I love free stuff
2. No Annual Fees

I have a card with AMTRUST that's like 9% fixed interest rate, you get world points to use on all types for free stuff from tv's to travel, and no annual fee.

agua

Wow - an affiliate forum and no affiliate links to Credit Card Offers!!!!

pfgannon

Ya I was at least expecting a couple.
So I applied for AMEX Blue, now I just need to hope I get accepted.

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shokthx

AMEX Blue is great but AMEX is not as universally accepted. I still wonder why AMEX keeps trying to get me to pay for a regular AMEX card when blue is free.

You should try to get a Visa Platinum also. Handy for travel insurance and car rental insurance plus more universally accepted.

Just make sure you pay the card off every month and do not get behind on the balance-it can happen soooo easy.

Best way to get a card is to make a ton of money and put it in a bank. That bank will know you are a good credit risk and give you great offers on the card.

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Bluesaga

Not sure what its like in the US but the Paypal credit card (Home) gave me a pretty nice limit and 9months interest free

CLKeenan

I just got accepted for the AMEX Blue card with a $3000 credit line

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Jdog

citibank premier pass = high limit and then switch it to whatever you want.

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Diorex

My Amex has bought me a ton of cool shit...

I am flying 5 people first class to Brazil next month for free....I really enjoy my 50 inch plasma, a few computers, $200 gift certificates to Morton's get used all the time....

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LazyD

Meh, heres my shameless plug...

If your currently a student, definitely shoot for a student credit card, not only are your chances of getting approved much higher, but many card issuers are also offering 0% interest for 6 months on purchases, and citi is even offering a card that also has a rewards points program.
All Student Credit Cards

If your not a student you may have to deal with a getting a credit card designed for bad credit, usually these come with an annual fee and often dont have the best APRs but they will get the job done. Cards from Orchard Bank seem to be pretty popular among first time applicants...
All Credit Cards for Bad Credit

Last route you could go would be a pre-paid credit card, simply put, you deposit a set amount into an account that the card issuer has access to and you can go wild, the card acts like a debit card where it pulls straight from the account, once the money in the account is gone you have to deposit more... These cards are good for people with bad creidt/no credit and are also nice for people who tend to overspend with their credit cards... Very important, these cards will also report credit which means you still build credit...
All Pre-Paid Credit Cards

You can find more info at getCredit365.Com

Im done...

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threehundred

I think I'm going to go with the AMEX blue. I had been trying to decide, and I think my mind is made up after Diorex's post.

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Stanley

Correct. Premier is the best card you can get if you need to build credit.
Certain banks have certain cards that increase your limit much faster than others. Do the research, there's forums out there for this. If you're serious about this, PM me and I will help you.

Stanley

Lol, Diorex has huge spending limits that's why he's getting all the shit they're giving him. If that's your first card, you'll be lucky to get a limit anywhere remotely near what he's spending.

EduardoM3

Without a doubt, Starwood AMEX card. Starpoints are worth around 2.5-3 cents each, which is much more then the 1% cashback from AMEX. Starpoints can be converted into points at any airline or all the starwood properties (Westin, W, Sheraton, St. Regis, Luxury Collection, etc). And if you transfer 20,000 starpoints at a time to miles (any airline) they give you an extra 5000. Card requires high credit score, annual fee, and intrest is very high so you have to pay it off every month, but without a doubt, an incredible card.

Eduardo.

ScottDaMan

Well, LazyD, thanks for the tips on my next niche market. I felt like neg repping the post for the affiliate link. Then I was like, wait, that's a good market to get into. Cool. A site that shows me how to get started with my own program. So then I was like, POS rep. So in the end, I did nothing, it balanced out.

Heh. Fucking hilarious.

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bamboo

which amex blue are you guys using looks like theres 4 of them

Bluesaga

You also fucked up by using .com instead of .net on the last link

bricklayer

STAY THE HELL AWAY FROM CAPITAL ONE.

What's in your wallet? Certainly not Capital One. They gave me a biz card with a $1000 dollar limit. What the fuck and I supposed to do with that? My other two existing biz cards have limits over $20k ... I complained and they told me I need to wait. I hung on the to Capital One and used it occasionally over 1.5 years ... they never raised my limit. I called to cancel and they said they could raise it to $1,500 ... give me break, fucking cancelled on those clowns. Why would I want to have a relationship with a bank like that. I pay in full, on time, every month with every bank I use, and they can't even meet me in the middle on the basics. Useless.

I recommend citibank if you are just starting out. Do decent volume, pay on time, and they will boost your credit limit quickly. Once you build a good history with them you can upgrade to any type of card they offer, depending on your volume.

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Spurious

My first was capital one... They seem to give them out to anyone. $750 limit with 23.9% APR.