so when i first needed a credit card way back when i just went through my bank, wachovia, and had them give me a credit card. well, if any of you know, wachovia stopped doing it and my account went straight to some other company. cant even remember the name...

ANYWAY, the reason why i want to get a new one/switch is b/c the perks i get w/ this thing is pretty crappy. i only have a couple hundred dollars on my balance so balance transfers arent a concern at all. just any card that has a decent reward system or good benefits/perks, interest rates, etc.

any help would be appreciated <3

 

I too need to get one. I'm probably going through my credit union that I did my car loan through.
In for thread though. I heard Discover has good perks, but I don't want to only have Discover since few places accept it.

 

Go to the bar friday night just after 2AM, and check the back pocket of people who are passed out.

 

ibcredithate

 

amex

 

Penfed Platinum Cashback Rewards - https://www.penfed.org/productsAndRa...ewardCards.asp

 

http://www.creditcards.com/

 

 

I have Discover as my only credit card. I do generally ask if places take Discover but I can't think of a time where I've tried to use it and got turned down. I don't really buy much on it. I guess it couldn't hurt though since it's 5% back on specific categories each month. Like this month it's on restaurants, gas & hotels. Up to the first $300 you spend there though. I think maybe they give 2% of purchases in general too. Well shit, maybe I should do that....

I dunno, just not really in the habit of buying shit on credit when I have a debit card and plenty of money in my checking account. I really only use the credit card for bigger purchases that I want to get a chance to plan to pay for. :dunno:

 

+1

HSBC Premier also has decent perks