New/Different Credit Card

[DJT]

I'm thinking of getting a different credit card to use that has better rewards than the Disney Visa 1%. I don't want to pay an annual fee for a credit card though. Any suggestions as to a good one? TIA.

 

[Marionnette]

I'm thinking of getting a different credit card to use that has better rewards than the Disney Visa 1%. I don't want to pay an annual fee for a credit card though. Any suggestions as to a good one? TIA.

That would all depend on where you use the card the most and what kind of rewards you're looking to acquire.

AmEx Blue Cash pays 5% back on groceries. Chase Freedom has rotating bonus categories and the rewards come in the form of Ultimate Rewards points. Your bank might offer a card with no annual fee and a nice cash back deal. There's no one-size-fits-all.

 

[amcnj]

Citibank has a card called double cash. No annual fee and you get a total of 2% on all purchases, 1% when the charges are billed, and the second 1% when the charges are paid. So kind of easy. If you do want to juggle cards and keep track of categories offering a higher percentage, it can be used in combination with those other cards to maximize your total cash rewards.

 

[MomToOne]

I juggle a variety of cards to maximize the cash back - all of these have no annual fee:

• Chase Freedom and DiscoverIt for 5% back on their respective quarterly bonus categories
• Chase AARP for 3% back on gas and restaurants (you don't have to belong to AARP or even be of AARP age to get the card)
• American Express Blue Sky for their special offers
• Amazon Store for 5% back on Amazon
• Target Redcard for 5% back at Target
• Citibank Double Cash Back for 2% on anything else

(don't ask me why those bullet points are highlighted that funny way!)

The Freedom card usually has 5% on grocery stores one quarter - I buy enough gift cards during that quarter to cover the vast majority of my groceries for the year, so having a card that gives a special rate on groceries isn't worth it for me, but could for you if you spend more than $1500/yr in groceries (the max for the 5% Freedom quarterly category) - in that case, look at the AmEx Blue Cash which gives you 3% on groceries with no annual fee.

ETA: I don't carry a balance on credit cards - ever. So having this number of cards is not an issue for me (I actually have others too, for more specialized purposes). But if you struggle with credit card debt, I wouldn't recommend having this many cards in your wallet each day.

 

[GlamMistress]

I'm thinking of getting a different credit card to use that has better rewards than the Disney Visa 1%. I don't want to pay an annual fee for a credit card though. Any suggestions as to a good one? TIA.

It would be helpful if you told us what you were trying to achieve: cash back vs. miles.

Here's a cash back card that earns 1.5% back on each purchase. You get a $200 cash bonus with $1000 initial spend in 3 mos. I don't have this card but it looks good.

https://home.barclaycardus.com/cards/barclaycard-cashforward.html

If you want to earn miles, Delta has a new Blue no fee where you can get Skymiles for each purchase (1 for $1 spend) but also 2 miles per dollar at restaurants.

If you are open to paying just one annual fee you will earn much richer rewards. Most CC annual fees are under $100.

 

[Tikitoi]

I juggle a variety of cards to maximize the cash back - all of these have no annual fee:

• Chase Freedom and DiscoverIt for 5% back on their respective quarterly bonus categories
• Chase AARP for 3% back on gas and restaurants (you don't have to belong to AARP or even be of AARP age to get the card)
• American Express Blue Sky for their special offers
• Amazon Store for 5% back on Amazon
• Target Redcard for 5% back at Target
• Citibank Double Cash Back for 2% on anything else

(don't ask me why those bullet points are highlighted that funny way!)

The Freedom card usually has 5% on grocery stores one quarter - I buy enough gift cards during that quarter to cover the vast majority of my groceries for the year, so having a card that gives a special rate on groceries isn't worth it for me, but could for you if you spend more than $1500/yr in groceries (the max for the 5% Freedom quarterly category) - in that case, look at the AmEx Blue Cash which gives you 3% on groceries with no annual fee.

ETA: I don't carry a balance on credit cards - ever. So having this number of cards is not an issue for me (I actually have others too, for more specialized purposes). But if you struggle with credit card debt, I wouldn't recommend having this many cards in your wallet each day.

Is that AMEX Blue Sky a business card?

 

[MomToOne]

Is that AMEX Blue Sky a business card?

Nope. Just a regular card: https://www.americanexpress.com/us/credit-cards/card/blue-sky/

I just use it for the offers and free Shoprunner, honestly. It's not a great card for rewards otherwise (you basically only get 1.33% towards travel expenses, the Citibank Double Cash Back gives you 2% towards anything). But it's free, and I do get a lot of the offers on it. I got it at a time when it had a good sign-up bonus. Today I'd probably get the Blue Cash Everyday instead. Or if you really like taking advantage of the offers, both. But that's a science in and of itself

 

[DJT]

I juggle a variety of cards to maximize the cash back - all of these have no annual fee:

• Chase Freedom and DiscoverIt for 5% back on their respective quarterly bonus categories
• Chase AARP for 3% back on gas and restaurants (you don't have to belong to AARP or even be of AARP age to get the card)
• American Express Blue Sky for their special offers
• Amazon Store for 5% back on Amazon
• Target Redcard for 5% back at Target
• Citibank Double Cash Back for 2% on anything else

(don't ask me why those bullet points are highlighted that funny way!)

The Freedom card usually has 5% on grocery stores one quarter - I buy enough gift cards during that quarter to cover the vast majority of my groceries for the year, so having a card that gives a special rate on groceries isn't worth it for me, but could for you if you spend more than $1500/yr in groceries (the max for the 5% Freedom quarterly category) - in that case, look at the AmEx Blue Cash which gives you 3% on groceries with no annual fee.

ETA: I don't carry a balance on credit cards - ever. So having this number of cards is not an issue for me (I actually have others too, for more specialized purposes). But if you struggle with credit card debt, I wouldn't recommend having this many cards in your wallet each day.

 

[DJT]

OP here. I don't carry a balance either - ever. I use a Target Redcard debit card for purchases at Target. Thanks for all of this info. I will check these out.