Hi everyone,
I’m currently looking for a good credit card for everyday spending and wanted to get some recommendations from people with real experience.
My main priorities are:
There are so many options available now that it’s hard to decide which one actually gives the best value long term. What credit card are you currently using and would you recommend it?
I recently secured a four year installment loan and opened a Chase checking making the Amazon Prime (Chase) credit card my choice for both everyday purchases and the monthly costs for internet, mobile, and ChatGPT. My credit scores are way up and I only have one payment to make on the 5th of each month off the top that makes accounting much easier than the prior ten to twelve credit cards… and I get rewards that include Amazon purchases. And with Chase being closer than my credit union I save gas and time when needing to make non-electronic cash deposits or in branch needs.
My husband and I have had a Citi Double Cash card for a few years now with no problems. No annual fee, 2% cashback on any purchase (no categories, which I love). No problems with customer service, but I have not had to contact them much - and maybe that’s another good sign.
Thanks for the recommendations everyone. It’s really helpful hearing real experiences instead of just reading promotional reviews online.
The Citi Double Cash definitely sounds appealing for simple everyday use, especially with the flat 2% cashback and no need to track spending categories. I can see why a lot of people like that setup.
The Amazon Prime Chase card also seems great for people who already use Amazon regularly and want everything connected in one place. Having fewer payments to manage each month is honestly a nice advantage too.
Right now I’m mainly comparing cashback value, customer service, and long-term benefits, so these replies have been very useful. Appreciate all the input so far.
I would recommend the AMEX Cash Preferred. There is no charge for the first year, so just change after one year, if you wouldn’t get enough use to pay the yearly fee.
If you’re in the military or have a military family, I highly recommend NFCU, Navy Federal Credit Union. I haven’t been in the military, but my father was in the Marines and is now deceased.
They offer a few different cards, but I get 2% back on every purchase and they don’t have international fees, so I love using it it European trips as well.
No annual fees, no international transaction fees and easy to redeem 2% cash back.
It may not be applicable to your situation, but if it is, I hope the information is helpful to you.
Thanks again for your recommendation, suggestion and help.