No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Id run the pre-qual offers on Citicards.com, chase.com, and discover.
Since you don't need 0% for BT I don't like the Citi Thank you but most likely you will be pre-qual. for other options and I would take one.
Chase... again Slate is good if you need 0% but Freedom or CSP if you are just looking for rewards and I bet you would get an offer online
and then 3rd just for great customer service and reliable bank I would throw in a Discover at the end of your apps.
4th. call up bank of america and see about product changing to a better reward card if you would like to use them more...
but for sure, add another 2 or 3 cards if you ask me!
@jenn_bar wrote:
For example the AMEX BCE (Blue Cash Everyday) or BCP (Blue Cash Preferred- with annual fee), depending on what you spend on groceries and gas yearly. If you spend over $1,200 yearly on groceries, grab the BCP; otherwise, stick with the BCE.
Actually, the breakeven point of BCP vs BCE on just supermarkets is $2,500 a year, not $1,250. ($1,250 allows you to break even, paying off the AF, but the BCE would have earned $37.50 on that spend).
And not just "groceries", you can buy gift cards to use at other types of store, which is why I and others have been saying BCP is nearly always the better choice.
@longtimelurker wrote:
@jenn_bar wrote:
For example the AMEX BCE (Blue Cash Everyday) or BCP (Blue Cash Preferred- with annual fee), depending on what you spend on groceries and gas yearly. If you spend over $1,200 yearly on groceries, grab the BCP; otherwise, stick with the BCE.
Actually, the breakeven point of BCP vs BCE on just supermarkets is $2,500 a year, not $1,250. ($1,250 allows you to break even, paying off the AF, but the BCE would have earned $37.50 on that spend).
And not just "groceries", you can buy gift cards to use at other types of store, which is why I and others have been saying BCP is nearly always the better choice.
Thanks for the correction! True, as my tuition bill would state...