Credit Card Center Advertiser Disclosure†
07-23-2013 02:16 PM
The AMEX Blue Cash Everyday looks promising. What do you guys know or think about the USAA Reward AMEX?? I know it's not a "real" AMEX, only processed through AMEX but it looks like an awesome card.
- 0% Intro APR until 01/01/2015, on Balance Transfers and Convenience Checks that post to your account by 08/31/2013. After 01/01/2015, your Annual Percentage Rate (APR) on these balances will be 12.90% APR. This rate will vary with the market based on the Prime Rate. Each balance transfer and convenience check has a 3% transaction fee.
- A low 12.90% APR on purchases and cash advances. This rate will vary with the market based on the Prime Rate.
- 2,500 bonus points after your first purchase.
- No annual fee and zero liability for unauthorized transactions.
- Earn 2X points on gas and grocery purchases while earning 1 point per dollar on your other purchases. Getting 2X points is not an introductory offer. 1
What do y'all think??
Also, i've gotten from one of you that I should wait a few more months before throwing anymore apps. Do you all feel this way or think Id be good going with it??
WHY get everyday vs. preferred?? How can you not buy enough groceries to pay for the AF?? unless you just don't cook at all but really?!
How much do you average a month of spending on your credit card in total OP? Where is most of that money spent? Grocery, Gas, Everday stuff, Airline? hotel???
Then we can talk about what is the best "BOSS" Card for you!
07-23-2013 02:23 PM
I don't really use my CC that much unless I'm making a large enough purchase that I'd rather not deplete the bank acct. I currently don't have a rewards card though, so if I had one that would all change. I spend alot of time on the road for work so Id def use it a ton at the pump. I do buy groceries....I don't mind a $75 AF as long as it is going to benefit me. I'm new to all of the credit card stuff, so I will have to learn to use a CC for everyday things. Will the preferred be the better card for me according to some rough estimates....
07-23-2013 02:57 PM
scratch that. looks like you have to be RETIRED. I'm a disabled veteran but did not retire from the military. should have opened an account with them back in the day.
07-23-2013 03:01 PM
Any thoughts on NFCU?? I am an "annuitant" as they call it. I could get in there. How are their cards, customer service, etc??
Based on your description of a "BOSS" card... I think the BCE fits the bill.
Also... I recommend the Chase Freedom -
5% cash back on rotating purchases/ $100 sign up bonus / 0% APR for 15 months on purchase and BTs
And holy cow man.... if you have an in with NFCU.. then you have access to some very BOSS cards by your description with very high limits. LOL
I am including a link for you to check out the Freedom by Chase
07-23-2013 03:09 PM
if you are going for the BCE, get the BCP instead. The rewards are a lot better for most people.
From your description it sounds like your top priority is a 0% promo card. Check out the Citi Simplicity (18-21 months 0% APR depending on the offer), Chase Freedom (15 months 0% APR), Citi Thank You (5X groceries, gas and drug stores plus 14 months 0% APR offer going on right now). There are also many other cards with 0% APR promo that you can check out, including Barclays Arrival, Sallie Mae Mastercard, Bank of America, etc.
07-23-2013 03:17 PM
Thanks for all of the input guys/gals!! I'm going to keep researching and look a little harder at the cards you all suggested. I know i will NEVER have a BOA card....or give them any business at all. Nothing to do with their banking but more their personal priniciples. Thanks again guys!! Keep the comments coming if you've got um!!
07-25-2013 07:59 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.