What credit card should I get? I don't need anything fancy maybe just cash back or whatever. It's for fuel, basic stuff, don't plan to run a balance on it just for ease of purchases when not using debit.
>>61643391The way I see it, you want rewards that are liquid or something you'll definitely use.So like, Gemini card to get rewards in BTC or choice of top alts. Or Amazon card to get Amazon points as rewards.Then a question of % back on what. My gemini card is 4% back on gas, 3% on dining, so I use that a lot. The Amazon card's rewards are great when ordering from Amazon, but it's like 1% everywhere else, so I just use that to order on Amazon.
>>61643391Amex blue cash back is pretty solid, think it's good for groceries and gas as far as rewards, and its just a % cash reward, no fucking around with points. Downside is some places, mostly smaller restaurants, wont accept it because they charge vendors a higher fee than some other cards.
>>61643391robinhood gold 3% cashback everything easiest choice
>>61644847How hard is it to get off the waitlist for the card? Is it worth paying for robinhood gold just to get it?
>>61643391Get at least 2 at the same time because applying for credit will ding your credit but only once if you do it within a few days, and having multiple cards will raise your score long term for credit age and gives you more total credit available which helps keep usage percentage low and also helps build credit. I recommend the sams club credit card because it gives 5% back for gas stations and i think 3% for restraunts. For a second one just get one of the 2% on everything cards like citi double cash or wells fargo. Look up whatever one gives a better intro bonus ie spend × ammount in a few months get y back.
>>61643391Fucking hell bro, I miss white sooo much. Snowbunnies are so fucking sex but pothead bitches are all disgusting and fat.Anyway, I use my costco card the most because I buy a lot of gas, food and supplies from there and get 2-5% cash back but the fidelity visa is the best overall for 2% back everywhere and $100 for TSA precheck. Plus they are my broker.
>>61644946If there's a cost to get the credit card, do cost of card / %cashback as decimal. This gives you the expenditure needed just to break even.After that, you are able to compare a no membership fee card with say 1.5% cashback to it and determine whether your level of spending will give you more money year over year.For Robinhood Gold and their card specifically, I waited about 6 months and now the option is just permanently there to claim it even though I never accepted the card within their fomo window after getting off the waitlist. I don't actually do this but if it still functions the same way, the trick was to utilize the $1,000 of free margin to purchase SGOV when it had a yield of >5% and that would pay your gold membership - I'm pretty sure SGOV is lower yield now though. If you would literally never use the margin otherwise, then you could look at it as basically a 3% cashback card with no fee which is very nice.If you have bad/no credit you can get capital one quicksilver pretty easily, make sure to apply for the no sign-up cost version if you do this (or even the sign-up bonus one if you check your junk mail and have good credit they send these out like 5 times a month), you have to have really bad credit to be relegated to their annual fee version. Something like citi double cash or fidelity's card (supposedly works at Costco if you shop there) is usually the 2 recommended daily drivers too if you have decent credit.If there's something with a sign-up bonus, like $300 if you spend $5k in the first 6 months, then that will obviously be a solid addition if you know you spend that much regularly and don't need a home or car loan soon as it will eventually improve your credit having a higher total limit but temporarily drop it from the inquiry.
>>61645072>>61644935I may be retarded and replied to the wrong person, take everything I say through that lens.
>>61645077Thanks this is actually super helpful. I mainly use the quicksilver because 1.5% seems to be the highest you'll get on everything without an annual fee. When I first got my cards I spent very little and I was only really looking at the amex cards which have way higher fees.
>>61643391I'm starting my credit card journey myselfThe only unsecured card I could get first was the capital one quicksilver/savor (either 1.5% on everything or 1% on everything and 3% on grocery/dining)peak early game is the amex blue cash everyday thoughno annual fee, 3% on online shopping, groceries, and gas, 1% on everything elseafter that you want a rotating card like chase freedom flex (5% on rotating categories + 200$ signup bonus) or discover itanother good pick is citi custom cash (5% on your most used category up to 500, so 25$/month)>>61645505there are better no annual fee cards than quicksilver (double cash etc) but they typically have foreign transaction fees
I need some kind of debit card to spend at amazon or somethingwhat are my options?I don't care about rewards or anything else
>>61646877It's a joke, right?
>>61645072My friend has the Capital One card and he says despite making like 150k a year and having great credit, they only give him 11k limit. Under normal circumstances that's fine but sometimes with big purchases he says it's a pain...
>>61646941ha ha yeah
>>61646815If you want a bank with physical locations Capital One checking has no monthly fees. If you don't mind an online only bank SoFi is good.>>61645531I think I'm going to get the double cash and keep the other cards for when I travel.
