Best credit cards and banks

Mar 31, 2016 27 Comments

I'm considering changing banks. Currently I'm with Bank of America and have their world points rewards. Any one have a good bank recommendation as well as a good credit card (I want something I can use anywhere like visa) with great deals preferably money back

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 TOP 27 Comments
  • Reviving this thread. Anyone use Wells Fargo for their checking/savings accounts? I'm thinking of graduating from First Tech CU, but not sure where to start.
    Jul 29, 2016 1
  • I did my analysis on Mint and picked Citi Double Cash. Monthlies: Groceries 10%, Gas 10%, Travel 15%. Rest is discretionary and varies. Having uniform 2% cash back yields ~ $500 per annum.

    I'd recommend you do your own analysis and figure out the card you want.
    Apr 2, 2016 2
  • VMware
    ErAwMv

    Go to company page VMware

    ErAwMv
    I use 3 credit cards:
    1. Gasoline, Bof America 3% cash back
    2. Groceries, Amex 3% cash back
    3. Shopping, Amazon 5% cash back (anything that you purchase at amazon.com only)

    I pay $0 annual fee for all of them.
    Apr 2, 2016 2
  • If you're interested in a card for travel, the Chase Sapphire Preferred is a really good and flexible Visa card (and I'd be more than happy to send you a referral link). If you have more specific requests or wants for the kind of travel you want to do, let me know and I can make other suggestions.

    For cash back, the Citi Double Cash card gives you 2% back (1% when you buy, 1% when you pay in full on time). I think that's the best cash back offer I've seen around.

    Costco is coming out with a new Visa card in June that will also give substantial cash back in a variety of categories, but you'll have to wait a little longer for it.

    Reddit.com/r/churning is a great resource for finding valuable credit cards as well.

    For banks, I use Chase and have never had a problem, but I very basic banking needs. Haven't done a ton of research on them.
    Apr 1, 2016 0
  • Apple
    bono

    Go to company page Apple

    bono
    Never take cash back cards. Always take a card of the airline with which u travel most. Redeeming miles esp. for international trips and in business class can be very rewarding. Plus they come with lots of other travel perks. Lounge access, no mileage expiration, no baggage fee, redemption on partner airlines etc etc.
    Apr 1, 2016 4
    • Apple / Eng
      Mdbfsiev

      Go to company page Apple Eng

      BIO
      Island life
       Mdbfsiev
      https://thepointsguy.com/2014/05/entry-level-airline-credit-cards-and-why-theyre-generally-not-worth-it/
      Nov 17, 2017
    • Apple
      iLife

      Go to company page Apple

      PRE
      AMD
       iLife
      Not sure if you read that article carefully. It clearly says that the least expensive cards are the least attractive. It nowhere says that you should choose a cash back card over a card which can help you earn miles. I have a southwest card which got me a free companion pass for an entire year just for making a single $1 purchase. I have a Chase reserve card which gives me free access to lounges even when flying economy. The benefits of such cards are hard to beat if you like to travel. If you don’t like to travel then of course such cards are of no use to you. But for a travel aficionado like me these cards are my lifelines.
      Nov 17, 2017