A Complete Creditcard Guide For Beginners

[Sondern]

A Complete Creditcard Guide For Beginners
Made in 8/18/2022 card perks may vary.

Table of Contents:

• Intro
• Starting Cards
• Best Normal Cashback Cards
• Other % Cashback Cards
• Niche Cards
• Basic Tips
• Credit Trackers
• Conclusion

Spoiler: Intro

Intro :
Basically the two main uses for credit cards are to build credit and to get perks from using your money. Id personally suggest everyone get a credit card at 18, sometimes you can get a credit card at 17 and I strongly suggest if your parents have good credit, get them to cosign for you at a young age and start building your credit as soon as possible

Building Credit:
Building your credit is essential to live, you NEED credit to buy large purchases such as a lease, house or car. Having good credit helps you financially when it comes to getting a low percentage down on a home, low interest rates on loans ect. Some jobs even check your credit score when applying. Building credit takes time, and can be a slow process. To get godly credit it will take you YEARS so the earlier you start the better

Perks :
Perks allow you to benefit off of spending your own money, why not get something in return when you purchase things. If your using cash or a debit card MONEY GAINS ARE BEING LEFT ON THE TABLE!






Credit Chart:
Here is a simple chart showing the ranges of credit you can have.

It usually takes a minimum of six months to generate your first credit score



Utilization :
For credit optimization, keep utilization under 30%. OPTIMAL fastest growing credit utilization is under 10% This can be done by increasing credit card limits and paying off your card fast. DO NOT MAX OUT YOUR CARD. bum

On Time Payments :
ALWAYS, at least pay the minimum everytime. Not paying back the money on time will hurt your credit tremendously as well as put you in debt with interest. If you haven't paid on time within 30 days you can call your card company and try to get the missed payment off your record.

Card stacking :
Get multiple cards for specific cash back purchases and simultaneously get your credit up by using mutltiple cards.


Other :
Your overall credit score is the sum of credit on all your credit cards.

Spoiler: Starting Cards

Best Starting credit cards :

Why?
Why do you need a starting credit card? Well to get better perks and larger limits you need a better credit score JUST TO GET THE CARD. This is why you need to use another card

Discover IT secured
Link : Secured Credit Card Apply Online - Secured Credit Card Offers | Discover
Perks :

• No annual fee
• Refundable Deposit
• Earn 2% Cash Back At gas stations and restaurants
• 1% cash back on all other purchases
• Unlimited Cashback Match (First Year Only)
• FICO® Credit Score for Free (Watch credit, card statements ect. For free)

Other : To open this card specifically, you need to put money down and if you don’t pay they hold your money

Petal #1
Link : Petal 1 Visa Credit Card (petalcard.com)
Perks :

• No annual fee
• Credit limit : $300 - $5,000
• Cash Back : 2% - 10% at select merchants

Other : APRs 22.24% - 31.74%i (Interest if you don't pay on time)

You can get a Petal #2 if you think you may miss payments, it comes with less intrest rates but it also comes with less benefits

Spoiler: Best Normal Cashback Cards

Best Normal Cashback Cards :

Credentials :
Minimum 660 Credit Score

2% Cashback

Paypal Mastercard
Link : PayPal Cashback Mastercard®
Perks :

• No annual fee
• 3% cash back when you check out with PayPal
• 2% cash back on all other purchases
• No limit to the cash you can earn

Other : Paypal account needed to open the card

TD Double Up Card
Link : TD Bank Double Up Card | Cashback Rewards Card
Perks :

• No annual fee
• Rewards details: Earn up to 2% Cash Back
• Earn unlimited Cash Back – no rotating categories, no caps or limits as long as your credit card account is open and in good standing
• Plus, earn 1% Cash Back when you redeem into an eligible TD Bank Deposit Account*
• Earn 1% Cash Back on purchases

Other : Need a bank account with them


SoFi Credit Card
Link : Apply for the SoFi Credit Card - Up to 3% Cash Back Rewards
Perks :

• No annual fee
• 3% cash back
• No foreign transaction fee (If you like to travel)
• Perks from sponsors
• Small phone insurance coverage

Fidelity
Link : Fidelity® Rewards Visa Signature® Credit Card (fidelityrewards.com)
Perks :

• No annual fee
• 2% cash back
• 2 Points for every eligible net dollar spent
• Every $2,500 spent equals a $50 deposit into your eligible Fidelity account
• No reward caps or limits, and your Points will not expire
• No preset spending limit

Spoiler: Other % Cards

Other% Cashback


Chase Freedom Flex
Link : Chase Freedom Credit Cards
Perks :

• No annual fee
• $200 bonus when you spend $500 within 90 days
• 5% on travel purchased through Chase Ultimate Rewards
• 3% on dining at restaurants, including takeout and eligible delivery services
• 3% on drugstore purchases
• 1% on all other purchases

Bank of America Customized Cash Rewards
Link : Compare Our Credit Cards | Bank of America
Perks :

• No annual fee
• 3% Earn 3% cash back in the category of your choice, like online shopping
• 2% cash back at grocery stores and wholesale clubs
• 1% cash back on all other purchases
• $200 Online Bonus after making at least $1,000 in purchases in the first 90 days of account opening

U.S. Bank Cash+
Link : Cash back credit cards | Up to 5% in cash rewards | U.S. Bank (usbank.com)
Perks :

• No annual fee
• 5% cash back on two categories you choose
• 2% cash back on one everyday category, Grocery stores and grocery delivery, Restaurants, Gas stations and EV charging stations
• 1% cash back on all other eligible purchases.

Plus, US Bank Altitude
Link : Credit Card with Rewards | U.S. Bank Altitude® Go Visa card (usbank.com)
Perks :

• No annual fee
• 4% points on dining, takeout and restaurant delivery
• 2% points at grocery stores, grocery delivery, streaming services, gas stations and
• 1% cash back on all other eligible purchases.

Discover it Cash Back
Link : Rewards Credit Card - Cash Back Credit Card | Discover

• No annual fee
• 5% Cash Back Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com,6 grocery stores, restaurants, gas stations and when you pay using PayPal,8 up to the quarterly maximum when you activate.
• 2% points at grocery stores, grocery delivery, streaming services, gas stations and
• 1% cash back on all other purchases
• Unlimited Cashback Match With Cashback Match, get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically
• Other : A Lot of places don't take Discover cards

Spoiler: Niche Cards

Niche Cashback Cards :



Blue Cash Preferred Card from American Express
Link : American Express Cards

• Annual Fee $95
• 6% CASH BACK at U.S. Supermarkets On up to $6,000 per year in purchases then it's 1%
• 6% CASH BACK on select U.S. streaming subscriptions
• 3% CASH BACK at U.S. gas stations and on transit (e.g., taxis/rideshare, parking, tolls, trains, buses and more)
• Earn $350 Back after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. You will receive the $350 back in the form of a statement credit

Citi Custom Cash Card
Link : Citi Custom Cash Card

• No Annual Fee
• 5 % cash back on your top eligible spend category up to $500 spent each billing cycle
• 1 % unlimited cash back on all other purchases
• Earn $200 cash back after spending $750 on purchases in the first 3 months of account opening.

SavorOne Rewards
Link : Dining & Entertainment Credit Cards | Capital One

• No Annual Fee
• Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases
• Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
• Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel

Verizon Visa Card
Link : Save on Verizon Wireless Bill & Get Rewards | Verizon Visa Card

• No Annual Fee
• 4% On grocery store and gas purchasesand at grocery stores
• 1% On all other purchases
• 3% On dining purchases, including takeout
• 2% On Verizon purchases

Other : Must need to use verizon


Costco Anywhere Visa Card by Citi
Link : Costco Anywhere Visa® Card by Citi and Costco Anywhere Visa® Business Card by Citi

• No Annual Fee
• 4% on eligible gas, for the first $7,000 per year and then 1% thereafter
• 3% on restaurants and eligible travel
• 2% on all other purchases from Costco and Costco.com
• 1% on all other purchases
• No foreign transaction fees

Other : Must need to use verizon

Spoiler: Basic Tips

Basic Tips :

Never close accounts (Proof of credit history)

Don’t authorize other people on your account / card

Always pay on time (setup auto pay)

Use your credit cards on visa’s or other gift cards and then gain the credit card perks and the giant eagle perks (gas and grocery)

Call in and ask for credit line increase (call after 6 months - 1 year)

Apply for multiple credit cards

Spoiler: Credit Trackers

Credit Trackers :


Three major credit reporting agencies – Equifax, Experian, and TransUnion
IdentityIQ (Paid)
CreditKarmaD(App)
annualcreditreport.com
Mint(App)

Spoiler: Conclusion

Conclusion :
I may cover travel cards and business cards if this thread gets alot of upvotes. I didnt cover the APR rates (interest rates), because if your missing your payments, its already over. In conclusion, here is my personal credit card stack.

• Discover IT secured (Starting card)
• Fidelity
• Citi Custom Cash Card
• SavorOne Rewards
• Costco Anywhere Visa Card by Citi (Not sure yet)
• Blue Cash Preferred Card from American Express (Later)

 

[Deleted member 17829]

no credit for your race/height/face

 

[....]

lol i thought this would be some fraud shit, but its some bluepilled shit

 

[incel194012940]

lol i thought this would be some fraud shit, but its some bluepilled shit

i knew all this info by ignoring my uncle when he give dorky advice

 

[StuffedFrog]

whats the best bank to have a account with?

 

[Broski]

whats the best bank to have a account with?

Betabux bank

 

[traveler]

mirin guide

 

[Sondern]

no credit for your race/height/face

Bruh wtf does this even mean

 

[Sondern]

lol i thought this would be some fraud shit, but its some bluepilled shit

Bro what getting a good credit score is blue pilled?

 

[Sondern]

whats the best bank to have a account with?

tbh I have no clue, maybe that will be my next guide

 

[Sondern]

A Complete Creditcard Guide For Beginners
Made in 8/18/2022 card perks may vary.

Table of Contents:

• Intro
• Starting Cards
• Best Normal Cashback Cards
• Other % Cashback Cards
• Niche Cards
• Basic Tips
• Credit Trackers
• Conclusion

Spoiler: Intro

Intro :
Basically the two main uses for credit cards are to build credit and to get perks from using your money. Id personally suggest everyone get a credit card at 18, sometimes you can get a credit card at 17 and I strongly suggest if your parents have good credit, get them to cosign for you at a young age and start building your credit as soon as possible

Building Credit:
Building your credit is essential to live, you NEED credit to buy large purchases such as a lease, house or car. Having good credit helps you financially when it comes to getting a low percentage down on a home, low interest rates on loans ect. Some jobs even check your credit score when applying. Building credit takes time, and can be a slow process. To get godly credit it will take you YEARS so the earlier you start the better

Perks :
Perks allow you to benefit off of spending your own money, why not get something in return when you purchase things. If your using cash or a debit card MONEY GAINS ARE BEING LEFT ON THE TABLE!






Credit Chart:
Here is a simple chart showing the ranges of credit you can have.

It usually takes a minimum of six months to generate your first credit score



Utilization :
For credit optimization, keep utilization under 30%. OPTIMAL fastest growing credit utilization is under 10% This can be done by increasing credit card limits and paying off your card fast. DO NOT MAX OUT YOUR CARD. bum

On Time Payments :
ALWAYS, at least pay the minimum everytime. Not paying back the money on time will hurt your credit tremendously as well as put you in debt with interest. If you haven't paid on time within 30 days you can call your card company and try to get the missed payment off your record.

Card stacking :
Get multiple cards for specific cash back purchases and simultaneously get your credit up by using mutltiple cards.


Other :
Your overall credit score is the sum of credit on all your credit cards.

Spoiler: Starting Cards

Best Starting credit cards :

Why?
Why do you need a starting credit card? Well to get better perks and larger limits you need a better credit score JUST TO GET THE CARD. This is why you need to use another card

Discover IT secured
Link : Secured Credit Card Apply Online - Secured Credit Card Offers | Discover
Perks :

• No annual fee
• Refundable Deposit
• Earn 2% Cash Back At gas stations and restaurants
• 1% cash back on all other purchases
• Unlimited Cashback Match (First Year Only)
• FICO® Credit Score for Free (Watch credit, card statements ect. For free)

Other : To open this card specifically, you need to put money down and if you don’t pay they hold your money

Petal #1
Link : Petal 1 Visa Credit Card (petalcard.com)
Perks :

• No annual fee
• Credit limit : $300 - $5,000
• Cash Back : 2% - 10% at select merchants

Other : APRs 22.24% - 31.74%i (Interest if you don't pay on time)

You can get a Petal #2 if you think you may miss payments, it comes with less intrest rates but it also comes with less benefits

Spoiler: Best Normal Cashback Cards

Best Normal Cashback Cards :

Credentials :
Minimum 660 Credit Score

2% Cashback

Paypal Mastercard
Link : PayPal Cashback Mastercard®
Perks :

• No annual fee
• 3% cash back when you check out with PayPal
• 2% cash back on all other purchases
• No limit to the cash you can earn

Other : Paypal account needed to open the card

TD Double Up Card
Link : TD Bank Double Up Card | Cashback Rewards Card
Perks :

• No annual fee
• Rewards details: Earn up to 2% Cash Back
• Earn unlimited Cash Back – no rotating categories, no caps or limits as long as your credit card account is open and in good standing
• Plus, earn 1% Cash Back when you redeem into an eligible TD Bank Deposit Account*
• Earn 1% Cash Back on purchases

Other : Need a bank account with them


SoFi Credit Card
Link : Apply for the SoFi Credit Card - Up to 3% Cash Back Rewards
Perks :

• No annual fee
• 3% cash back
• No foreign transaction fee (If you like to travel)
• Perks from sponsors
• Small phone insurance coverage

Fidelity
Link : Fidelity® Rewards Visa Signature® Credit Card (fidelityrewards.com)
Perks :

• No annual fee
• 2% cash back
• 2 Points for every eligible net dollar spent
• Every $2,500 spent equals a $50 deposit into your eligible Fidelity account
• No reward caps or limits, and your Points will not expire
• No preset spending limit

Spoiler: Other % Cards

Other% Cashback


Chase Freedom Flex
Link : Chase Freedom Credit Cards
Perks :

• No annual fee
• $200 bonus when you spend $500 within 90 days
• 5% on travel purchased through Chase Ultimate Rewards
• 3% on dining at restaurants, including takeout and eligible delivery services
• 3% on drugstore purchases
• 1% on all other purchases

Bank of America Customized Cash Rewards
Link : Compare Our Credit Cards | Bank of America
Perks :

• No annual fee
• 3% Earn 3% cash back in the category of your choice, like online shopping
• 2% cash back at grocery stores and wholesale clubs
• 1% cash back on all other purchases
• $200 Online Bonus after making at least $1,000 in purchases in the first 90 days of account opening

U.S. Bank Cash+
Link : Cash back credit cards | Up to 5% in cash rewards | U.S. Bank (usbank.com)
Perks :

• No annual fee
• 5% cash back on two categories you choose
• 2% cash back on one everyday category, Grocery stores and grocery delivery, Restaurants, Gas stations and EV charging stations
• 1% cash back on all other eligible purchases.

Plus, US Bank Altitude
Link : Credit Card with Rewards | U.S. Bank Altitude® Go Visa card (usbank.com)
Perks :

• No annual fee
• 4% points on dining, takeout and restaurant delivery
• 2% points at grocery stores, grocery delivery, streaming services, gas stations and
• 1% cash back on all other eligible purchases.

Discover it Cash Back
Link : Rewards Credit Card - Cash Back Credit Card | Discover

• No annual fee
• 5% Cash Back Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com,6 grocery stores, restaurants, gas stations and when you pay using PayPal,8 up to the quarterly maximum when you activate.
• 2% points at grocery stores, grocery delivery, streaming services, gas stations and
• 1% cash back on all other purchases
• Unlimited Cashback Match With Cashback Match, get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically
• Other : A Lot of places don't take Discover cards

Spoiler: Niche Cards

Niche Cashback Cards :



Blue Cash Preferred Card from American Express
Link : American Express Cards

• Annual Fee $95
• 6% CASH BACK at U.S. Supermarkets On up to $6,000 per year in purchases then it's 1%
• 6% CASH BACK on select U.S. streaming subscriptions
• 3% CASH BACK at U.S. gas stations and on transit (e.g., taxis/rideshare, parking, tolls, trains, buses and more)
• Earn $350 Back after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. You will receive the $350 back in the form of a statement credit

Citi Custom Cash Card
Link : Citi Custom Cash Card

• No Annual Fee
• 5 % cash back on your top eligible spend category up to $500 spent each billing cycle
• 1 % unlimited cash back on all other purchases
• Earn $200 cash back after spending $750 on purchases in the first 3 months of account opening.

SavorOne Rewards
Link : Dining & Entertainment Credit Cards | Capital One

• No Annual Fee
• Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases
• Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
• Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel

Verizon Visa Card
Link : Save on Verizon Wireless Bill & Get Rewards | Verizon Visa Card

• No Annual Fee
• 4% On grocery store and gas purchasesand at grocery stores
• 1% On all other purchases
• 3% On dining purchases, including takeout
• 2% On Verizon purchases

Other : Must need to use verizon


Costco Anywhere Visa Card by Citi
Link : Costco Anywhere Visa® Card by Citi and Costco Anywhere Visa® Business Card by Citi

• No Annual Fee
• 4% on eligible gas, for the first $7,000 per year and then 1% thereafter
• 3% on restaurants and eligible travel
• 2% on all other purchases from Costco and Costco.com
• 1% on all other purchases
• No foreign transaction fees

Other : Must need to use verizon

Spoiler: Basic Tips

Basic Tips :

Never close accounts (Proof of credit history)

Don’t authorize other people on your account / card

Always pay on time (setup auto pay)

Use your credit cards on visa’s or other gift cards and then gain the credit card perks and the giant eagle perks (gas and grocery)

Call in and ask for credit line increase (call after 6 months - 1 year)

Apply for multiple credit cards

Spoiler: Credit Trackers

Credit Trackers :


Three major credit reporting agencies – Equifax, Experian, and TransUnion
IdentityIQ (Paid)
CreditKarmaD(App)
annualcreditreport.com
Mint(App)

Spoiler: Conclusion

Conclusion :
I may cover travel cards and business cards if this thread gets alot of upvotes. I didnt cover the APR rates (interest rates), because if your missing your payments, its already over. In conclusion, here is my personal credit card stack.

• Discover IT secured (Starting card)
• Fidelity
• Citi Custom Cash Card
• SavorOne Rewards
• Costco Anywhere Visa Card by Citi (Not sure yet)
• Blue Cash Preferred Card from American Express (Later)

Tagging some ppl that I think would be interested . @Prettyboy @enchanted_elixir @zv1212 @poopmaster22 @mvp2v1 @Blackmannnns @bkr2906 @WOMENAREQUEENSNOT @Witheredly90

 

[WOMENAREQUEENSNOT]

this is US shiiiiiiiiiiit
europe niggaaaaaa reeeeeeeeeeeeeeeeeeeeeeeee

Tagging some ppl that I think would be interested . @Prettyboy @enchanted_elixir @zv1212 @poopmaster22 @mvp2v1 @Blackmannnns @bkr2906 @WOMENAREQUEENSNOT @Witheredly90

e

 

[Sondern]

this is US shiiiiiiiiiiit
europe niggaaaaaa reeeeeeeeeeeeeeeeeeeeeeeee

e

LOOOL whoops

 

[Lonely]

I don't understand anything

 

[Deleted member 8869]

A Complete Creditcard Guide For Beginners
Made in 8/18/2022 card perks may vary.

Table of Contents:

• Intro
• Starting Cards
• Best Normal Cashback Cards
• Other % Cashback Cards
• Niche Cards
• Basic Tips
• Credit Trackers
• Conclusion

Spoiler: Intro

Intro :
Basically the two main uses for credit cards are to build credit and to get perks from using your money. Id personally suggest everyone get a credit card at 18, sometimes you can get a credit card at 17 and I strongly suggest if your parents have good credit, get them to cosign for you at a young age and start building your credit as soon as possible

Building Credit:
Building your credit is essential to live, you NEED credit to buy large purchases such as a lease, house or car. Having good credit helps you financially when it comes to getting a low percentage down on a home, low interest rates on loans ect. Some jobs even check your credit score when applying. Building credit takes time, and can be a slow process. To get godly credit it will take you YEARS so the earlier you start the better

Perks :
Perks allow you to benefit off of spending your own money, why not get something in return when you purchase things. If your using cash or a debit card MONEY GAINS ARE BEING LEFT ON THE TABLE!






Credit Chart:
Here is a simple chart showing the ranges of credit you can have.

It usually takes a minimum of six months to generate your first credit score



Utilization :
For credit optimization, keep utilization under 30%. OPTIMAL fastest growing credit utilization is under 10% This can be done by increasing credit card limits and paying off your card fast. DO NOT MAX OUT YOUR CARD. bum

On Time Payments :
ALWAYS, at least pay the minimum everytime. Not paying back the money on time will hurt your credit tremendously as well as put you in debt with interest. If you haven't paid on time within 30 days you can call your card company and try to get the missed payment off your record.

Card stacking :
Get multiple cards for specific cash back purchases and simultaneously get your credit up by using mutltiple cards.


Other :
Your overall credit score is the sum of credit on all your credit cards.

Spoiler: Starting Cards

Best Starting credit cards :

Why?
Why do you need a starting credit card? Well to get better perks and larger limits you need a better credit score JUST TO GET THE CARD. This is why you need to use another card

Discover IT secured
Link : Secured Credit Card Apply Online - Secured Credit Card Offers | Discover
Perks :

• No annual fee
• Refundable Deposit
• Earn 2% Cash Back At gas stations and restaurants
• 1% cash back on all other purchases
• Unlimited Cashback Match (First Year Only)
• FICO® Credit Score for Free (Watch credit, card statements ect. For free)

Other : To open this card specifically, you need to put money down and if you don’t pay they hold your money

Petal #1
Link : Petal 1 Visa Credit Card (petalcard.com)
Perks :

• No annual fee
• Credit limit : $300 - $5,000
• Cash Back : 2% - 10% at select merchants

Other : APRs 22.24% - 31.74%i (Interest if you don't pay on time)

You can get a Petal #2 if you think you may miss payments, it comes with less intrest rates but it also comes with less benefits

Spoiler: Best Normal Cashback Cards

Best Normal Cashback Cards :

Credentials :
Minimum 660 Credit Score

2% Cashback

Paypal Mastercard
Link : PayPal Cashback Mastercard®
Perks :

• No annual fee
• 3% cash back when you check out with PayPal
• 2% cash back on all other purchases
• No limit to the cash you can earn

Other : Paypal account needed to open the card

TD Double Up Card
Link : TD Bank Double Up Card | Cashback Rewards Card
Perks :

• No annual fee
• Rewards details: Earn up to 2% Cash Back
• Earn unlimited Cash Back – no rotating categories, no caps or limits as long as your credit card account is open and in good standing
• Plus, earn 1% Cash Back when you redeem into an eligible TD Bank Deposit Account*
• Earn 1% Cash Back on purchases

Other : Need a bank account with them


SoFi Credit Card
Link : Apply for the SoFi Credit Card - Up to 3% Cash Back Rewards
Perks :

• No annual fee
• 3% cash back
• No foreign transaction fee (If you like to travel)
• Perks from sponsors
• Small phone insurance coverage

Fidelity
Link : Fidelity® Rewards Visa Signature® Credit Card (fidelityrewards.com)
Perks :

• No annual fee
• 2% cash back
• 2 Points for every eligible net dollar spent
• Every $2,500 spent equals a $50 deposit into your eligible Fidelity account
• No reward caps or limits, and your Points will not expire
• No preset spending limit

Spoiler: Other % Cards

Other% Cashback


Chase Freedom Flex
Link : Chase Freedom Credit Cards
Perks :

• No annual fee
• $200 bonus when you spend $500 within 90 days
• 5% on travel purchased through Chase Ultimate Rewards
• 3% on dining at restaurants, including takeout and eligible delivery services
• 3% on drugstore purchases
• 1% on all other purchases

Bank of America Customized Cash Rewards
Link : Compare Our Credit Cards | Bank of America
Perks :

• No annual fee
• 3% Earn 3% cash back in the category of your choice, like online shopping
• 2% cash back at grocery stores and wholesale clubs
• 1% cash back on all other purchases
• $200 Online Bonus after making at least $1,000 in purchases in the first 90 days of account opening

U.S. Bank Cash+
Link : Cash back credit cards | Up to 5% in cash rewards | U.S. Bank (usbank.com)
Perks :

• No annual fee
• 5% cash back on two categories you choose
• 2% cash back on one everyday category, Grocery stores and grocery delivery, Restaurants, Gas stations and EV charging stations
• 1% cash back on all other eligible purchases.

Plus, US Bank Altitude
Link : Credit Card with Rewards | U.S. Bank Altitude® Go Visa card (usbank.com)
Perks :

• No annual fee
• 4% points on dining, takeout and restaurant delivery
• 2% points at grocery stores, grocery delivery, streaming services, gas stations and
• 1% cash back on all other eligible purchases.

Discover it Cash Back
Link : Rewards Credit Card - Cash Back Credit Card | Discover

• No annual fee
• 5% Cash Back Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com,6 grocery stores, restaurants, gas stations and when you pay using PayPal,8 up to the quarterly maximum when you activate.
• 2% points at grocery stores, grocery delivery, streaming services, gas stations and
• 1% cash back on all other purchases
• Unlimited Cashback Match With Cashback Match, get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically
• Other : A Lot of places don't take Discover cards

Spoiler: Niche Cards

Niche Cashback Cards :



Blue Cash Preferred Card from American Express
Link : American Express Cards

• Annual Fee $95
• 6% CASH BACK at U.S. Supermarkets On up to $6,000 per year in purchases then it's 1%
• 6% CASH BACK on select U.S. streaming subscriptions
• 3% CASH BACK at U.S. gas stations and on transit (e.g., taxis/rideshare, parking, tolls, trains, buses and more)
• Earn $350 Back after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. You will receive the $350 back in the form of a statement credit

Citi Custom Cash Card
Link : Citi Custom Cash Card

• No Annual Fee
• 5 % cash back on your top eligible spend category up to $500 spent each billing cycle
• 1 % unlimited cash back on all other purchases
• Earn $200 cash back after spending $750 on purchases in the first 3 months of account opening.

SavorOne Rewards
Link : Dining & Entertainment Credit Cards | Capital One

• No Annual Fee
• Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases
• Earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats
• Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel

Verizon Visa Card
Link : Save on Verizon Wireless Bill & Get Rewards | Verizon Visa Card

• No Annual Fee
• 4% On grocery store and gas purchasesand at grocery stores
• 1% On all other purchases
• 3% On dining purchases, including takeout
• 2% On Verizon purchases

Other : Must need to use verizon


Costco Anywhere Visa Card by Citi
Link : Costco Anywhere Visa® Card by Citi and Costco Anywhere Visa® Business Card by Citi

• No Annual Fee
• 4% on eligible gas, for the first $7,000 per year and then 1% thereafter
• 3% on restaurants and eligible travel
• 2% on all other purchases from Costco and Costco.com
• 1% on all other purchases
• No foreign transaction fees

Other : Must need to use verizon

Spoiler: Basic Tips

Basic Tips :

Never close accounts (Proof of credit history)

Don’t authorize other people on your account / card

Always pay on time (setup auto pay)

Use your credit cards on visa’s or other gift cards and then gain the credit card perks and the giant eagle perks (gas and grocery)

Call in and ask for credit line increase (call after 6 months - 1 year)

Apply for multiple credit cards

Spoiler: Credit Trackers

Credit Trackers :


Three major credit reporting agencies – Equifax, Experian, and TransUnion
IdentityIQ (Paid)
CreditKarmaD(App)
annualcreditreport.com
Mint(App)

Spoiler: Conclusion

Conclusion :
I may cover travel cards and business cards if this thread gets alot of upvotes. I didnt cover the APR rates (interest rates), because if your missing your payments, its already over. In conclusion, here is my personal credit card stack.

• Discover IT secured (Starting card)
• Fidelity
• Citi Custom Cash Card
• SavorOne Rewards
• Costco Anywhere Visa Card by Citi (Not sure yet)
• Blue Cash Preferred Card from American Express (Later)

actually a good thread bookmarked

 

[Sondern]

I don't understand anything

lmao, im thinking about making a second guide which will include a step by step way of getting an 850 credit score. basically the thread tells you what cards you can get to start building your credit aswell as cards that will give you the best perks.

 

[Deleted member 21192]

Bro what getting a good credit score is blue pilled?

real chads take out 50k in loans and end up with a credit score of 200

 

[Sondern]

real chads take out 50k in loans and end up with a credit score of 200

my bad, your right, sorry for being so blue pilled

 

[Deleted member 11126]

my bad, your right, sorry for being so blue pilled

Don't listen to these cucks great thread!

In the future always tag me on this type of shit

 

[Sondern]

Don't listen to these cucks great thread!

In the future always tag me on this type of shit

im trolling lmao, he is too. ill make sure to tag u in my next big guide thread.

 

[Deleted member 11126]

lmao, im thinking about making a second guide which will include a step by step way of getting an 850 credit score. basically the thread tells you what cards you can get to start building your credit aswell as cards that will give you the best perks.

Yeah I'm kinda fucked I got a discover card 3 months ago 200 and forgot to pay it back realized when I got an email this week can I recover? I have 20 days till the next month begins

 

[Sondern]

d

Yeah I'm kinda fucked I got a discover card 3 months ago 200 and forgot to pay it back realized when I got an email this week can I recover? I have 20 days till the next month begins

YES, I cant tell if ur paying intrest rates based off of what ur saying. but just call them and make up some bs excuse like "I didnt know" make sure ur polite and if you pay it back and they dont take it off your record call them back and find a different person. just use the tips I mentioned like asking for more credit limits and using 3-30% of your credit limit and your credit will be fine in no time