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About LinkBacksDear Smart Spenders,
New to NYC and want to get a great card!!
I probably spend approx $1,500 per month on my credit card. Since I live in NYC my credit card expenses are:
-Taxi's
-Bar's
-Restaurants
-Groceries (Whole Foods, Trader Joes, Food Emporium)
-MTA Subway Tickets
-NJ Transit Tickets
What I want (can be more than one card) is:
-Cash back (actual $$ but I don't spend money on gas or that many groceries)
-Airline Miles (preferably a brand name airline)
-Other Good Ideas for mid-twentys person who generally just has fun?
I currently have: Chase United Mileage Plus Visa card and I also use Chase for my checking. I like it b/c the online-internet interface is easy and convenient to pay my bills in one place. I belive I got the card b/c it offered 25,000 miles originally but don't see it doing much for me lately.
I have A+ credit and want to know my options but am so confused. Do I go to different banks, apply online. Do different banks offer different cards? What do I do....
Please someone just recommend which cards would be best based on my info.
Thank you so much!
Kind Regards,
Ashi
Thread: For The NYC Bachelor
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Green Member
- Join Date
- Jun 2009
- Location
- New York City
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- 1
For The NYC Bachelor
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Centurion Member
- Join Date
- Apr 2008
- Location
- Zuma
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- 596
So you only want straight up cashback and you're willing to do more than one card? I know the Discover More gives 5% cashback on a bunch of categories.
And yeah the Chase Mileage Plus card is not worth the annual fee unless you travel a lot.OBAMA
Stop talking crap about him!
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Centurion Member
- Join Date
- Apr 2008
- Location
- the edge of the world
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- 440
The American Express Blue Cash may be another good card to consider. The drawback of that card is that the rebate is only awarded annually.
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Centurion Member & Moderator
- Join Date
- Jun 2008
- Location
- Smogland
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- 1,400
If you haven't got one already another worth checking out may be the Chase Freedom card since you use taxis etc a lot. I think that is one of the categories it gives you tiered cashback on if it is one of your top 3 categories of spending. I have the card though and I stopped using it because I feel the reward redemption system isn't too fair.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed. Regardless, anything I say is my honest opinion.
Current Cards: American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
Primary Everyday Card: American Express Blue Cash
Primary Travel Card: Citi Thank You Premier
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Platinum Member
- Join Date
- May 2010
- Location
- San Diego, CA USA
- Posts
- 96
Bankamericard 7.24% 1.5% cash back on all purchases. Also comes with concierge and no monthly or annual fees. Worth checking out.
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Platinum Member
- Join Date
- Apr 2010
- Location
- Kansas
- Posts
- 60
For cashback I would almost say the Amex Blue Cash but the 5% cashback is only at supermarkets, gas stations and drugstores. Instead I'd go with the Discover More card. The rewards are a lot more flexible.
For miles you should check out the Amex Blue Sky or the Miles by Discover.
You should see if Chase will let you convert your account into a Freedom card, that way you're covered at places that don't take AMEX/Discover.
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