Recommendations for a Credit Card?

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pfgannon

pfgannon

Sic semper tyrannis
Jun 25, 2006
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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?
 


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
 
I like the citi credit cards for the rewards program. If not the citi cards, then I'd probably go with an AMEX product.
 
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)
 
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.
 
ScottDaMan said:
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.
Click to expand...


"Business Cards" are different than corporate cards just like business "cell phone accounts" are different than corporate cell phone accounts ;)
 
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.
 
Wow - an affiliate forum and no affiliate links to Credit Card Offers!!!!
 
agua said:
Wow - an affiliate forum and no affiliate links to Credit Card Offers!!!!
Click to expand...
Ya I was at least expecting a couple.
So I applied for AMEX Blue, now I just need to hope I get accepted.
 
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.
 
Not sure what its like in the US but the Paypal credit card (Home) gave me a pretty nice limit and 9months interest free
 
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