topic Re: I'd like a new credit card... Which cards should I be applying for? in Credit Cards

I'd like a new credit card... Which cards should I be applying for?

ErniePotts — Tue, 09 Oct 2012 18:42:02 GMT

I just checked my Equifax score, and it looks like its 772. I would like a new credit card as a "just in case." I use my Amex Zync card 99% of the time, but I'd like something else: A) If somewhere doesn't accept American Express or B) Just for additional bonuses (cash back, points, etc). I also plan on buying a laptop ASAP, so if I'm able to get a card that has 6-12 months of 0% financing that'd be very beneficial. I was just going to go to Best Buy and take advantage of their 0% 18 month financing, but I'd rather have a card I can continually use (I rarely, if ever shop at Best Buy lol).

Is there a resource, or does anyone know what kind of cards I should be applying for in this range?

Re: I'd like a new credit card... Which cards should I be applying for?

Jlu — Tue, 09 Oct 2012 19:07:59 GMT

Well since you are looking to mainly use it in the event someone doesn't accept AMEX there is a chance they will not accept Visa or Discover either so I'd stick with Mastercard for 99.99% acceptance worldwide. I would also stick with a no foreign transaction fee card since if you ever plan to travel you won't use your AMEX due to lack of acceptance and foreign transaction fees. So a no foreign transaction fee Mastercard..

The choice that would come to my mind would be the Chase Sapphire Preferred Mastercard with a 40,000 point ($400+) sign up bonus although after the first year you would have to justify the $95 AF, which isn't hard to do if you use it for the 2% food/travel. This card is 15% with no 0% intro, but I'm sure the sign-up bonus would offset any interest charge.

Don't forget, you have to go through Mastercard.com to get the Mastercard version CSP application.

Re: I'd like a new credit card... Which cards should I be applying for?

nicholasyud — Tue, 09 Oct 2012 19:13:42 GMT

We can't said anything since we don't know your credit file........

Re: I'd like a new credit card... Which cards should I be applying for?

injustifiiable — Tue, 09 Oct 2012 19:19:34 GMT

If you want to finance a computer, and want to go Mac, you can do the Apple Financing Visa card from Barclays. They run 0% for 12 months all of the time. Pretty generous with CL, too.

Re: I'd like a new credit card... Which cards should I be applying for?

somnipotent — Tue, 09 Oct 2012 19:29:30 GMT

I'd say Chase Sapphire Preferred or Capital One Venture

Re: I'd like a new credit card... Which cards should I be applying for?

Koop10010 — Tue, 09 Oct 2012 20:00:02 GMT

You could look at the Chase Freedom card. It has 15 months of 0% and is a solid cashback card. Since the Amex you have is a Zync, I assume you don't travel frequently. If you do, you should take a look at the Sapphire Preferred. It doesn't have a 0% offer, but even if you do have to carry a balance, the signup bonus will make up for that. Also, all of Capitol One's products waive forex fees.