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What I'm looking for: I've always been about cash back and saving the most amount of money, but I want to start traveling since I'm still in my early twenties and have few responsibilities right now. I have a really good credit score and make a decent six figure salary with little rent and no debt (I live pretty modest). I currently have the DiscoverIt Cash Back card and the Bank of America Cash Back card, which are good, but still want to look at some other options since I want to start traveling a bit more and maximize my cashback/savings. I'm looking to get a new credit card soon because the benefits on my current ones aren't what they used to be. No promotion of illegal, fraudulent, or nefarious activities
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No self-promotional content with prior mod approval. No referrals in posts, comments, or private messages.
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PIN, Signature).Ĭapital One Upgrade Link - Check PC eligibility for your existing card
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List of credit card company phone numbersĬredit Card Tuneup or CreditIntro to help you find the right cardĮMV CVM Database - Find a card's Cardholder Verification Method list (e.g. Template for Card Recommendation Requests Suggestions, Ideas, and Feedback - Post your suggestions hereĬreditKarma - Uses TransUnion and EquifaxĬreditSesame - May use Transunion or Experian depending on service
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In any case, the card is worth it to get for the first year.Official User Flairs Thread - Learn how to customize your user flair The Gold card also carries a signup bonus of anywhere from 25K-50k MR points, which is worth 250-500 dollars at a minimum. The comments above are for keeping the card past the first year. Otherwise it may not be the card for you.

If you can use the credits, and gain $30 of value from the card, then its worth it. As for the credits, I'm easily able to use the dining credit each month, and I use the airling credit to buy Delta Giftcards effectively cutting the annual fee down to $30. I don't try as hard to find deals as other people, but I commonly get at least 1.5 cpp of value from transferring my points which translates to 6% back on grocery stores and dining. With cash back cards like the Uber visa, you are capped at 4% back, but with airline transfer partners, you can often get more than 1 cent-per-point value which would leader to higher returns.

"For me, the appeal of the Amex Gold is the transfer partners that accompany MR points. The purchase must be made in the US and have been made with your American Express Gold card. But there is a maximum $1,000 per calendar year.
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American Express may refund you the full purchase price. If you try and return a product within 90 days of buying it and the merchant will not take it back. Return protection is also included with this card. These events include concerts, Broadway shows, sporting events and many more. And each year you are able to select one airline and receive $100 in incidental fees.Īt participating hotels if you book with American Express you can receive a $100 hot3el credit and be eligible for a room upgrade.Īs an American Express card holder you will gain exclusive access to pre-sale tickets for events near you.

There are no foreign transaction fees when you decide to go abroad. Along with the unique features mentioned above the American express Gold card offers 3X membership reward points on flights that are booked directly through American Express. This credit card has the most expensive annual fee on our list. As a way to prevent anyone from gaining access to your real credit card. One of the more unique characteristics of this card is that Capital One will provide you with a fake credit card number for purchases online. 24 hour travel assistance and if you rent a vehicle that is eligible you will be covered for the damage from a collision or theft. You will have automatic travel accident insurance. When traveling abroad with the Capital One Secured credit card you will have no foreign transaction fees. You are able to place a lock on your card if you notice it has been stolen, as a way to prevent anyone from charging it. Like most credit cards Capital One also offers $0 fraud liability if your card is lost or stolen. After you have made your first five monthly payments on time you are given the opportunity to have a higher line of credit. Based on your security deposit Capital One will choose a credit limit for you. Capital One Secured credit card is different than the other credit cards in our list for one major reason.
