But now you have to subtract the annual fee of $95, so $359.68 is your return value. Your total effective spend is $23,040-50 hotel credit-359.68 return value = $22,630.32. Having the CSP and using all of your points for travel through the portal, you will have saved an extra $91.32 compared to only having the CFU. Apr stands for annual percentage rate. A credit card basically acts as a loan that is always available for your use. When you take out a loan the company loaning you the money charges you money to borrow money and expects repayment at certain times. This amount of money charged is called interest. The amount that is charged is …Jan 4, 2024 ... The three that seem to best fit that I've seen are the Amex Blue Cash Preferred (BCP), Amex Gold and Capitol one savior, but I'm open to any ...Learn from Reddit users how to use credit cards wisely and avoid common pitfalls. Find out the best starter cards, how to pay in full, keep your utilization low, and … Ex. BOA customized cash rewards set to online purchases - 5.25% on online purchases, 3.5% on groceries ($2500 quarterly cap) BOA premium rewards - 3.5% on travel/entertainment, 2.625% on everything else. If you can't recoup the AF via the credits, then instead use their Unlimited Cash Rewards card - 2.625% on everything. Oct 6, 2022 · You can earn points faster by pooling points from multiple cards). $400 annual fee, but $325 annual credit for travel and dining/takeout. If you use mobile wallet frequently, it is easy to offset the annual fee of this card (compared to using a 2% no-AF card) even if you don't travel at all in a given year.Whether you use your healthcare credit card to cover treatments and procedures not covered by insurance, CareCredit can help. We may be compensated when you click on product links,...ADMIN MOD. Credit Card Recommendation Flowchart: March 2023. Disclaimer: Amex has made some big changes recently (introducing per-family rules). This appears to still be in-progress and is in a somewhat confusing state at the moment, so I'm holding off updating the flowchart until the dust settles there. This is the latest installment of the CC ...Capital one savor one is an underrated card. Discussion. 3% back on entertainment. So things like movie tickets, concert tickets, arcades, amusement parks, zoos. Or places similar to FYE. 3% back on dining. Things like restaurants, fast food and take out. 3% back on groceries. Self explanatory.The card just adds a 1500 credit line to your amount of credit. Also, it reports 3% or less on your utilization. It building better credit for you by: 1) showing great payment history & 2) providing an additional amount of credit (1500/1000) to lower your credit utilization. You sit back and let it do it's work.5 credit card applications/new credit cards in the last 24 months. New cards over 24 months. New applications may just mean inqs, and inqs are irrelevant to 5/24. The flowchart (and basically everything in r/churning) ignores APR. This is really helpful.Whether you use your healthcare credit card to cover treatments and procedures not covered by insurance, CareCredit can help. We may be compensated when you click on product links,...Dec 9, 2023 ... Yes as long as you know your spending limit. Discipline would definitely be key in using your cc. There was a time before that I stopped using ...Credit cards offer various incentives to their customers in a bid to keep them loyal. This article brings to your knowledge the best credit cards currently available for a frequent...With the Gemini Credit Card, you can earn rewards in bitcoin, ethereum or 40+ other cryptos currently available on Gemini. It’s the only credit card that deposits your crypto rewards immediately1. That means the crypto you earn lands in your Gemini account the instant you swipe, not a month later. No need to time the …Nov 16, 2021 · 53. valeyard89. • 2 yr. ago. Chase Sapphire Reserve.. expensive annual fee, but you get $300 travel funds reimbursed, plus Priority Pass access so that works out about the same price. Plus TSA Precheck/Global Entry reimbursement, 1.5X points for travel spend, 15% off Lyft, etc.The American Express Gold card is a good option if you can use their credits regularly ($10/mo for Uber/Uber Eats and $10/mo for Grubhub, Seamless, or a couple other restaurants.) Given that dining is your biggest category, getting 4x points (transferable to Delta) could be significantly useful.Jan 8, 2022 · Annual fees are worth it if your math checks out. I.e Tangerine offers 2% back on two categories (or three if you bank with them) with no annual fee. CIBC Dividend Infinite offers 4% cashback on gas and groceries, 3% on restaurants, transportation, recurring payments and1% on everything else for $120 a year. Capital One cards - Grab them early on! Seen a lot of discussion about Capital One cards lately and my one conclusion from all the posts and DP's is that you should grab the Capital One cards that you want early in your credit journey or else they will deny you or give you a low credit card limit if you have a lengthy/unblemished credit card ... Finally, avoid the following credit card companies: Credit One, First Premiere, Milestone, Indigo, Fingerhut. A good rule of thumb is if they have a range for the annual fee, avoid them. These banks prey on low scores by charging fees for nearly everything, holding payments for 5+ days, or even an "application processing" or "account opening" fee. Nov 28, 2022 ... Just so you know, we've opened a new forum outside of Reddit to ask questions and get advice from our community; as well as to share privacy ...Graztine. A List of Credit Cards Good For Most People. Discussion. Hello! I've been trying to figure out what credit card I should get next, so started to make a list of all of the …Feb 27, 2024 · 0% intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24% applies. Balance transfer fee of up to 5% (min. $5) of the amount of each ...Apr 23, 2022 · There are no "deals", no cashback, no free insurance here. In reality, this "free stuff" is paid for by the credit card user themselves, through relatively large merchant fees - or as another way of looking at it, wealthy people with good cards are taking money from hands of less well off people who don't get credit card benefits but still have to …Jul 15, 2022 · It does recover after 6 months tho. If you apply for 2 at the same time, you’ll take hit on your amount inquiries. Depending on your average age of accounts and how many accounts you have, it will affect that minimally if you have lots of accounts with lots of history, or detrimentally if you have little history with little accounts. [deleted ...The card just adds a 1500 credit line to your amount of credit. Also, it reports 3% or less on your utilization. It building better credit for you by: 1) showing great payment history & 2) providing an additional amount of credit (1500/1000) to lower your credit utilization. You sit back and let it do it's work.1st card: RCBC, 40k, requested for CL increase after a year; no response yet. 2nd card: Citi - 40k, requested for CL increase immediately after receiving card; now at 80k. 1. MongBurKen. • 1 yr. ago. 1st cc is BPI, credit limit from 40k to 85k after almost a year. 2nd cc is Citi, credit limit from 30k to 42k.The United Quest card is actually more valuable at virtually any budget (you get an annual flight credit AND 3x on flights vs 2x for the Explorer). Butttt the best approach is to get the Explorer first, then 1-2 years later get the quest (depending when you are eligible for the SUB). That way, over a span of 4 years, you have amassed 140k+ in ... Ex. BOA customized cash rewards set to online purchases - 5.25% on online purchases, 3.5% on groceries ($2500 quarterly cap) BOA premium rewards - 3.5% on travel/entertainment, 2.625% on everything else. If you can't recoup the AF via the credits, then instead use their Unlimited Cash Rewards card - 2.625% on everything. Feb 29, 2024 · Annual fee: $0. Other benefits and drawbacks: The most notable benefit of the Bank of America® Unlimited Cash Rewards credit card for Students is its 0% intro APR for 15 billing cycles for ...Cred.ai is a checking account that gives you a credit card instead of a debit card. As you use the credit card, Cred.ai will pull the money out of the checking account to pay off the card immediately. This is how they keep reported utilization low each month. It reports to all 3 bureaus as a $1500 line of credit with 2-3% utilization every month.A subreddit for everything about credit cards in the Philippines. ⬇️See More Menu for FAQs and pinned posts. Members Online What Credit Card to apply for for first time userSep 2, 2011 · Credit card debt is classified as "unsecured debt", meaning that if you do not pay it, there is no tangible asset that can be repossessed. Conversely, a mortgage (or line of credit, 2nd mortgage, etc) is classified as "secure debt", meaning that there is a tangible asset attached to the debt, and therefore if you …Jan 2, 2023 · And rounding out the collection of cards Reddit thinks may see some negative changes next year is the Capital One Venture X Rewards Credit Card. This is actually a newer card -- it was Capital One ... The Bank of America® Unlimited Cash Rewards Secured Credit Card * also earns flat-rate rewards while rebuilding your credit. A security deposit of $200 to $5,000 is required to open your account ...Mar 16, 2022 · Using these Credit Cards will guarantee the most money back into your pockets. In no particular order, you have: Chase Freedom Unlimited + Chase Freedom Flex. Both have a 5% cash back bonus category for GAS as a welcome bonus for a year, that ends soon. So get this card soon if you haven't already. …Gonna depend on what hub is close to you, personally I think either delta gold or delta platinum is the best for an airline card. CSP or CSR for general travel. You really have to know what airline you plan to fly with to benefit from an airline specific card. But I find it hard to justify any airline card in general as a casual traveler.Focusing on having an effective cashback of 4% or greater across all expenses: Citi Custom Cash 5% cashback, dining. Amex Blue Cash Preferred 6% cashback, groceries and streaming. Citi Costco 4% cashback, Gasoline. US Bank Cash+ 5% cashback, Wireless and Internet. Chase Amazon 5% cashback, Amazon.It's charge card limit v. credit card. I guess the point I should highlight is that Amex is easier to replenish after 5/24. Chase will somewhat bound you to velocity, esp early on. There are also perks grocery stores provide that office may not. Again, highly dependent on the person, their geography, and the options they have.Nov 28, 2022 ... Just so you know, we've opened a new forum outside of Reddit to ask questions and get advice from our community; as well as to share privacy ...Reddit Recommendations For the Best Cash Back Cards. The following cash back cards get the nod from multiple Reddit users. Most charge no annual fee and …BEC MC is probably inferior to BECC. BECC is for all cards under the same customer number while BEC MC is only for mastercards. BEC MC also requires the card number for enrollment. So it’s card specific and needs to be re-enrolled for new or replacement cards. BECC is forever as long as the cards are under the same customer number. BECC is ...Template for Card Recommendation Requests: Please use the following template so that everyone can make appropriate recommendations: Current cards: (list cards, limits, …Feb 29, 2024 · Annual fee: $0. Other benefits and drawbacks: The Discover it® Student Cash Back card offers a 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 18.24% - 27.24% ... A comprehensive guide for understanding credit and credit cards, covering the basics of credit score, credit usage, credit limit, and rewards. Learn how to use credit cards responsibly and improve your credit score with tips and examples. Jan 8, 2022 · Annual fees are worth it if your math checks out. I.e Tangerine offers 2% back on two categories (or three if you bank with them) with no annual fee. CIBC Dividend Infinite offers 4% cashback on gas and groceries, 3% on restaurants, transportation, recurring payments and1% on everything else for $120 a year.Any debit card should be halal. If ur talking about financing, there are a lot of credit card providers that offer 0% APR for first 12 months. Unfortunately, pretty much all credit card providers will charge you interest if you’re late on payments so …2 days ago · Petal® 1 "No Annual Fee" Visa® Credit Card. Our pick for: No-deposit card with no annual fee. The issuer of the Petal® 1 "No Annual Fee" Visa® Credit Card doesn’t only rely on credit scores ...NNJ1978. • 4 yr. ago. Given the recency of your delinquencies the Open Sky card may be the best bet. Cap One is forgiving once you actually pay/settle the old cards. That said, while rebuilding your credit is important and can be done simultaneously while dealing with old issues, for many it's best if their main purpose in the meantime is to ...Yes. First of all the more cards you have, the less it will hurt your average age of accounts later down the road if you get a new one. Secondly, it will increase your overall available credit. If you have 1 card with a limit of 5,000 and use 1,000 of … r/personalfinance credit_building. Guidelines on Increasing Credit Scores. I already have established good credit, and I am looking to increase even more. I have no credit, and I am looking to get started. Step #0: Assess your financial situation. Step #0.5: Consider becoming an Authorized User. Step #1: Pick a Card. r/personalfinance credit_building. Guidelines on Increasing Credit Scores. I already have established good credit, and I am looking to increase even more. I have no credit, and I am looking to get started. Step #0: Assess your financial situation. Step #0.5: Consider becoming an Authorized User. Step #1: Pick a Card.Apr 27, 2018 · I have not received any notices from OF or my ISP about my usage of a fake CC, but my attempt a couple years ago did not use that CC to process any payment. My assumption now is that this will not work for anything that requires any amount of payment, even one as little as $0.10. The moment a CC is charged, the business in question (in …The Bank of America® Unlimited Cash Rewards Secured Credit Card * also earns flat-rate rewards while rebuilding your credit. A security deposit of $200 to $5,000 is required to open your account ...Apr 25, 2017 · I raised my credit score from 546 to 720 in 4 months thanks to you guys. Credit. Hello everyone, first let me say THANK YOU. It is thanks to you that I finally, for the first time in my life, have control of my finances and can breath easier. I wanted to share my story in the hopes that someone else who was in a similar situation as me, might ...Sep 24, 2022 ... r/CreditCards: A subreddit for discussing credit cards. Be sure to read sub rules before posting, use the resources linked in the sidebar ...NNJ1978. • 4 yr. ago. Given the recency of your delinquencies the Open Sky card may be the best bet. Cap One is forgiving once you actually pay/settle the old cards. That said, while rebuilding your credit is important and can be done simultaneously while dealing with old issues, for many it's best if their main purpose in the meantime is to ... But now you have to subtract the annual fee of $95, so $359.68 is your return value. Your total effective spend is $23,040-50 hotel credit-359.68 return value = $22,630.32. Having the CSP and using all of your points for travel through the portal, you will have saved an extra $91.32 compared to only having the CFU. Template for Card Recommendation Requests: Please use the following template so that everyone can make appropriate recommendations: Current cards: (list cards, limits, …Feb 2, 2024 · NYC launches $53M program to hand out pre-paid credit cards to migrant families. "A family of four, for instance, could be provided nearly $1,000 each month, which comes out to $35 per day for food. Cards will get re-filled every 28 days." "It’ll start with a group of 500 migrant families in short-term hotel stays and …I have the basic AMEX blue cash everyday credit card. I’ve had it for about 2 years and I started with a credit limit of 3000, it has been raised by AMEX (I’ve never requested) to 11,000 over the past couple years. I have been traveling more and wanted a better rewards card for traveling and my sister suggest the Hilton Honors credit card.Remember card companies only view the risk of you running up debt in a Covid world, not you chasing sign ups/rewards and paying in full. One card every 6 months is generally considered safe. Too many applications in a short period of time may look like risky behavior, even with decent credit.Just throwing this out there. Complete speculation. I just stumbled upon people talking about Riley Lively being live on Tik Tok and they found his credit card by the river. I'm only day 2 into this case so not sure who's trustworthy or not.Nov 28, 2022 ... Just so you know, we've opened a new forum outside of Reddit to ask questions and get advice from our community; as well as to share privacy ...Whether you are looking to apply for a new credit card or are just starting out, there are a few things to know beforehand. Depending on the individual and the amount of research d...Feb 27, 2024 · Annual fee: $0. Other benefits and drawbacks: The Wells Fargo Autograph℠ Card also offers an introductory 0% APR: 0% introductory APR on purchases for 12 months from account opening. A variable ...Feb 13, 2023 · Will probably get a third this year. Capital One Spark - 2x back on every purchase. Great secondary card for everything else. But reports to personal credit. Chase Ink Premier - 2.5% back on large purchases (over $5k) and …A secured credit card is just like a regular credit card, but it requires a cash security deposit, which acts as collateral for the credit limit. This type of credit card is backed...2 days ago · Just throwing this out there. Complete speculation. I just stumbled upon people talking about Riley Lively being live on Tik Tok and they found his credit card by the river. I'm only day 2 into this case so not sure who's trustworthy or not.PayPal Key is a virtual card that represents your PayPal wallet. PPK gives you a virtual credit card number, expiration date, and security code (which can be updated at any time) and can be used with any credit card or bank account in your PayPal wallet. This is probably the most versatile since it can be used with any credit or debit card.Mar 8, 2024 · We came across very few instances of the profane or hyperbolic language so prevalent on today’s social media platforms. The following credit cards received favorable comments from Redditors. 1. Bank of America® Customized Cash Rewards credit card. at Bank Of America’s secure website. Feb 20, 2022 · Late to the party here, but if I have a non secured Discover It Student Card, then this would not apply to me, correct? I assume my next step with Discover would be a credit line increase request. I’m 4 months in, have kept revolving credit between $60 and $600 (learned recently to keep it lower or pay it down lower before the statement comes …Curious if anyone has solved this issue. The apple credit card has 3 different card numbers. Physical, Digital, and Apple Pay. I guess someone hacked my account and signed up for reoccurring Family Club Now (Scam) monthly. Goldman Sacks cannot do anything about things paid for by Apple Pay as this number cannot be reset.PayPal Key is a virtual card that represents your PayPal wallet. PPK gives you a virtual credit card number, expiration date, and security code (which can be updated at any time) and can be used with any credit card or bank account in your PayPal wallet. This is probably the most versatile since it can be used with any credit or debit card.First, you will be hit with a lot of late fees and interestes charges and most likely you will eventually have charge offs. They can file a law suit against you and they make seek a judgement if you have any actual assets. You will need to figure out how you are going to take care of emergencies without credit cards.PayPal Key is a virtual card that represents your PayPal wallet. PPK gives you a virtual credit card number, expiration date, and security code (which can be updated at any time) and can be used with any credit card or bank account in your PayPal wallet. This is probably the most versatile since it can be used with any credit or debit card.Curious if anyone has solved this issue. The apple credit card has 3 different card numbers. Physical, Digital, and Apple Pay. I guess someone hacked my account and signed up for reoccurring Family Club Now (Scam) monthly. Goldman Sacks cannot do anything about things paid for by Apple Pay as this number cannot be reset.The Bank of America® Unlimited Cash Rewards Secured Credit Card * also earns flat-rate rewards while rebuilding your credit. A security deposit of $200 to $5,000 is required to open your account ...Nov 25, 2021 · Having multiple cards lessens the blow if you miss a payment. It would take a single card holder 100 months to reach that level of defense. Another thing is utilization. It would take a long time to use your credit to its full advantage if you had 1 card at $1,000 limit vs multiple cards with a collective high limit.Apr stands for annual percentage rate. A credit card basically acts as a loan that is always available for your use. When you take out a loan the company loaning you the money charges you money to borrow money and expects repayment at certain times. This amount of money charged is called interest. The amount that is charged is …Current cards: Discover It Chrome, $1800 Limit, Opened Aug 2023, Upgraded from Secured FICO Score: 754 Oldest account age: 6 months Chase 5/24 status: 1/2 Income: …Jul 27, 2021 · Bank of America has 2 secured card options that earn cash back: The Unlimited Cash Rewards Secured card earns you a flat 1.5% cash back on purchases. The Customized Cash Rewards Secured card earns 3% cash back in your choice of categories like gas, dining, online shopping, etc; 2% cash back at grocery stores, and 1% cash back …49$ PA and 8k points on sign up is shit. ANZ Frequent Flyer Platinum: Bonus 70,000 Qantas Points ($2,500 Spend in 3 Months), $0 Annual Fee First Year is currently the best card. The biggest hurdle will be your low income. Points per $ spend doesn't matter, the bonus points on sign up are the only thing worth it.Jul 17, 2021 · 5 hacks I learned from Reddit that helped me save $2,500 with very little effort. ... and advice that can help me pay off credit card debt, save more cash, fund my retirement accounts, and invest ... The main challenge many people with bad credit face when applying for a credit card is having a limited number of good options. Establishing a positive payment history on a new cre...Sep 8, 2023 ... Why do Americans use credit cards instead of debit cards? · Credit cards use the bank's money, while debit cards use yours. · Our laws have ....Focusing on having an effective cashback of 4% or greater across all expenses: Citi Custom Cash 5% cashback, dining. Amex Blue Cash Preferred 6% cashback, groceries and streaming. Citi Costco 4% cashback, Gasoline. US Bank Cash+ 5% cashback, Wireless and Internet. Chase Amazon 5% cashback, Amazon. Credit Card Basics. Once a month, you'll get a statement that tells you how much you spent, how much you paid, a due date, the statement balance, and minimum payment. You should always pay, at minimum, the statement balance before the cutoff time of the due date (many lenders do not use midnight!). You can pay before the statement if you wish ... Feb 7, 2020 · Rewards Rate. The Capital One SavorOne** is another card that offers a ton of features without asking for an annual fee in return. Its limited-time offering of 10% cash back for Uber and Uber Eats ... 2024 Credit Card Recommendations. Card Recommendation Request (Template Used) Current Cards: •Bank Americard Platinum Plus Mastercard (rarely use, currently 0 balance) •Unlimited Cash Rewards Visa Signature (really the only card I regularly use for 1.5% cash back) •Customized Cash Rewards World MasterCard (used for the initial $200 offer ... Capital One cards - Grab them early on! Seen a lot of discussion about Capital One cards lately and my one conclusion from all the posts and DP's is that you should grab the Capital One cards that you want early in your credit journey or else they will deny you or give you a low credit card limit if you have a lengthy/unblemished credit card ...
MembersOnline. •. Graztine. A List of Credit Cards Good For Most People. Discussion. Hello! I've been trying to figure out what credit card I should get next, so started to make a list of all of the ones that would give me good long term value. So I thought it might be a useful list to share. . New power season
ADMIN MOD. Credit Card Recommendation Flowchart: March 2023. Disclaimer: Amex has made some big changes recently (introducing per-family rules). This appears to still be in-progress and is in a somewhat confusing state at the moment, so I'm holding off updating the flowchart until the dust settles there. This is the latest installment of the CC ...This is a flowchart originally created to answer most of the questions I see repeated week after week in the What Card weekly thread. It has been updated as of 12/10/2020. An image of the flowchart is available here! And an HTML version of the flowchart is available here! (The HTML version is best viewed in Google Chrome.)Apr 27, 2018 · I have not received any notices from OF or my ISP about my usage of a fake CC, but my attempt a couple years ago did not use that CC to process any payment. My assumption now is that this will not work for anything that requires any amount of payment, even one as little as $0.10. The moment a CC is charged, the business in question (in …Feb 27, 2024 · The Bank of America® Unlimited Cash Rewards credit card is a no-nonsense card that offers flat-rate cash back on all purchases. For those who qualify for Preferred Rewards, the card quickly moves ... MOD. Credit Card Recommendation Flowchart: March 2023. Disclaimer: Amex has made some big changes recently (introducing per-family rules). This appears to still be in-progress and is in a somewhat confusing state at the moment, so I'm holding off updating the flowchart until the dust settles there. This is the latest installment of the CC ... Current cards: Discover It Chrome, $1800 Limit, Opened Aug 2023, Upgraded from Secured FICO Score: 754 Oldest account age: 6 months Chase 5/24 status: 1/2 Income: …Mar 12, 2024 · The Chase Sapphire Reserve is one of our top premium travel cards. With a $300 travel credit, bonus points on dining and travel purchases and other benefits, you can get excellent value that far exceeds the annual fee on the card. Read our full review of the Chase Sapphire Reserve card. Pros & Cons.My experience with Unionbank cc (1) Local - very few ang offers sa stores for 0% installment like SM, Rob. May mga few offers sila pero for particular stores and shops so hindi namamaximize. (2) International - I have no problem using it outside of Philippines. I only emailed their customer service that I will be using it for this country and ...Finance experts often recommend getting a credit card to improve your credit score. In some cases, that’s not such bad advice. Around 10% of your credit score is based on your cred...Credit cards used to just offer flexibility when you needed to pay for something before payday but now they can be used as a reward card offering cash back or air miles every time ... Without any explanation, in rough order of "best": Harris Teeter Visa (Kroger) Citi Custom Cash. US Bank Cash+. Chase Freedom Flex. US Bank Altitude GO. Hi_thar. •. Too little information to tell you the best card for you. Discussion. I wanted to share this chart I made for others who may also be interested in comparing Cash Back credit cards as of Dec. 2021. These are the top 4 I've been … Oldest credit card account age with you as the primary name on the account: 5 years, 4 months Number of personal credit cards approved for in the past 6 months: 0 Number of personal credit cards approved for in the past 12 months: 0 Number of personal credit cards approved for in the past 24 months: 0 Annual income $: $55K CATEGORIES cards everyone should have: Canadian Tire World Elite Mastercard (no annual fee) - bill payments for free and get extra CT money back. Brim mastercard (no annual fee) - Free foreign transactions. if you travel a lot, i like to have the Amex Platinum for the insurance, and lounge benefits. 4. Feb 27, 2024 · Best Visa Credit Cards. *The information for the following card (s) has been collected independently by Forbes Advisor: Chase Freedom Flex℠, Chase Freedom Rise, Amazon Visa Credit Card, Marriott ... sxiom. •. Citi Double Cash (2% flat-rate cash back - 1% after purchase, 1% after paying off balance, $25 minimum redemption, 3% FTF) - No SUB, but you can get another Citi Credit Card like the Premier which has a SUB and then after a year downgrade it to the Double Cash. 49$ PA and 8k points on sign up is shit. ANZ Frequent Flyer Platinum: Bonus 70,000 Qantas Points ($2,500 Spend in 3 Months), $0 Annual Fee First Year is currently the best card. The biggest hurdle will be your low income. Points per $ spend doesn't matter, the bonus points on sign up are the only thing worth it.The wiki on our sidebar has an entire compendium of no-annual-fee, flat-rate cashback cards, listed in descending order of cashback rate. The wiki also indicates which (if any) ancillary benefits (such as car rental CDW, extended warranty, etc.) are included with the card .I'd recommend the SoFi Credit Card ($200 SUB for applications via Credit Karma) … Wells Fargo Autograph: 3x on travel. I use this card for booking travel. Sofi Credit Card: 3 percent back on everything for the first year, 2 percent back on everything after that. I use this for anything that doesn't fall into another category and when abroad, and for cell phone insurance. Mar 12, 2024 · The American Express Blue Business Cash™ Card (terms apply, see rates & fees) is a set-it-and-forget-it business credit card that lets you earn rewards without an annual fee. Consider this card ....