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Valued Contributor
Posts: 1,243
Registered: ‎07-07-2013
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Which MasterCard?

[ Edited ]

I am currently looking for a better MasterCard. I am not a big spender, don't travel often, cash rewards is better for me.

My major spending are groceries, gas and eat out at times. I will apply next year though, since my FICO scores are around 710ish across the board.

I want to wait till 800ish before I apply.

 

So, besides Sallie Mae, which one(s) will you recommand?


Established Contributor
Posts: 514
Registered: ‎04-02-2014
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Re: Which MasterCard?

[ Edited ]

DigitalArk wrote:

I am currently looking for a better MasterCard. I am not a big spender, don't travel often, cash rewards is better for me.

My major spending are groceries, gas and eat out at times. I will apply next year though, since my FICO scores are around 710ish across the board.

I want to wait till 800ish before I apply.

 

So, besides Sallie Mae, which one(s) will you recommand?


I have no experience with these cards but from a quick little search these cards may be a good fit for you:

 Fifth Third Preferred Card -

Earn Double Real Life Rewards℠ Points for Every $1 Spent on Dining, Travel, Gas and Grocery Purchases

 

Fifth Third Cash Rewards - 

Earn 1% on purchases

2% cash back for every $1 spent on gas, grocery, and discount stores

 

Barclaycard Rewards MasterCard -

Earn 1 point per $1 spent on purchases

Earn 2 points per $1 spent on gas, groceries and utilities, 1 point per $1 spent elsewhere






EX FICO: 742 (7/1/14) | TU FICO (Discover): 709 (1/7/15) | EQ FICO (Citi): 695 (12/23/14)
Epic Contributor
Posts: 22,703
Registered: ‎10-23-2007
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Re: Which MasterCard?

SAMs Club

Fico Scores: EQ- 662 DCU., TU 704 Best Buy, EX 700 Chase (1/5/15)
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Valued Contributor
Posts: 1,243
Registered: ‎07-07-2013
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Re: Which MasterCard?

Thank you both for the info. :smileywink:


Frequent Contributor
Posts: 395
Registered: ‎02-11-2014
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Re: Which MasterCard?

If you don't mind me asking, why is the Sallie Mae card not an option?

 

If you're in their banking region (Midwest?), you might look at the Huntington Voice card (no AF, no FTF, 3x points on one category of your choosing and 1 point on everything else):

https://www.myhnbrewards.com/learnmore.aspx?source=ccrwdlm

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Sallie Mae WMC ● US Bank Cash + VS ● Citi Double Cash ● Amex TrueEarnings ● Fidelity Amex ● Chase Freedom VS ● BOA Better Balance Rewards ● Discover IT
Regular Contributor
Posts: 248
Registered: ‎02-16-2013
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Re: Which MasterCard?


DigitalArk wrote:

I am currently looking for a better MasterCard. I am not a big spender, don't travel often, cash rewards is better for me.

My major spending are groceries, gas and eat out at times. I will apply next year though, since my FICO scores are around 710ish across the board.

I want to wait till 800ish before I apply.

 

So, besides Sallie Mae, which one(s) will you recommand?


Don't consider any other cards, Sallie Mae is what you want.

AMEX True Earnings (14k) || Discover IT (10k) || Chase Sapphire Preferred (6k) || Chase Freedom (6k) || Citi ThankYou Preferred (6.3k) || GE CareCredit (4.9k) || Citi Double Cash (4.9k) || Sallie Mae (4k) || Best Buy (2k) || AMEX Blue Cash Everyday (2k) || Target REDcard (1.5k)
Moderator
Posts: 6,965
Registered: ‎01-15-2009
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Re: Which MasterCard?

Well, you've got gas and restaurants covered really with the Sam's MC. The only other thing is grocery, and I'm not sure which MC is better than SM for this.
Starting Score: EQ04: 748 (1/31/14) - TU08: 755 (1/06/14)
Current Score:EX08:779(1/05/15) - EQ04:761(12/26) - EQ08:797(1/07/14) - TU08:800(1/2/15)
Goal Score: 800+ on each bureau
Senior Contributor
Posts: 3,250
Registered: ‎11-13-2012
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Re: Which MasterCard?


manwoot wrote:

DigitalArk wrote:

I am currently looking for a better MasterCard. I am not a big spender, don't travel often, cash rewards is better for me.

My major spending are groceries, gas and eat out at times. I will apply next year though, since my FICO scores are around 710ish across the board.

I want to wait till 800ish before I apply.

 

So, besides Sallie Mae, which one(s) will you recommand?


Don't consider any other cards, Sallie Mae is what you want.


Looks to me Sallie Mae would be your best bet :smileyhappy:

FICO® EQ 795 (as of today) - TU 778 (12/27) ¦ Fako EX 811 (12/02 - CS) ¦ last app 01/19/15 ¦ INQ last 2 yrs TU: 5, EX: 5, EQ: 3

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Mega Contributor
Posts: 16,663
Registered: ‎08-08-2011
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Re: Which MasterCard?

Sallie Mae and Sam's seem to be the most popular.

Valued Contributor
Posts: 1,308
Registered: ‎05-17-2013
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Re: Which MasterCard?


coldnmn wrote:

Sallie Mae and Sam's seem to be the most popular.



coldnmn wrote:

Sallie Mae and Sam's seem to be the most popular.


+1 I agree 100%

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