Thread: Best credit card for me? Help me find the answer!

I need help finding the best credit card for me and my requirements. I have looked elsewhere on other sites but it's like they have an ulterior motive. This is what I would ideally want in the perfect card-

• There can't be an annual fee
• I need to get at least 1% cash back and hopefully higher in other categories of spending
• Customer service needs to be good (no foreign call centers please)
• I don't plan on carrying an interest rate but want a good APR for if I ever do.
• My credit score is average to above average.

Are there any recommendations for what the best credit card for me is?

Chase Freedom, Fidelity Amex (FIA/BofA), Discover, Amex Blue Cash...

All offer more than 1% cashback
Fidelity Amex and Discover have U.S. call centers, and I believe Amex, too
Fidelity Amex has the best website; the others are about equal, imo
Fidelity Amex has the simples rewards structure (straight 2%); Freedom and Discover are about tied. Amex has tiers and requires spending in excess of about 25k/year to make it worthwhile.

Thank you for the advice! I went to the Fidelity page and it says I need a certain kind of Fidelity broker account to get the card. I don't have any real need for an investment account right now but I liked the 2%. The thing is it says I have to spend $15,000 on it before I start getting 2%.

I don't see anything about a 15k requirement on the website.
I did find...
"Customers earn 2 points for each $1 in net retail purchases. Once you reach 5,000 points, they can be redeemed automatically or on demand for cash at a 1% exchange rate into an eligible Fidelity account (i.e. 5,000 points = $50 deposit)."

You do need a brokerage account or an IRA. I have my rewards deposited into a Roth IRA. I don't think there's any cost for opening an account to receive your rewards deposits.

Sorry I was looking at the wrong card. The Visa Signature is the one with that requirement. I don't know about opening a Roth IRA because I am somewhat young and want access to my rewards now. If I opened a brokerage account with Fidelity to get the card but never traded with it do you think there would charge inactivity fees on it?

You would have to check with Fidelity, but I think not.

The best credit card *might* not be a rewards card necessarily. Sometimes getting rewards motivates the person to spend more and that defeats the entire point of them. That's not a problem we all have but for those that do they should stay away from reward cards I think.