So I didn’t actually get my first credit card until very recently (amazon prime credit card w/ Chase).
They have decent rewards but anything else out there worth knowing about ?
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Citi Double Cash: 2% on everything
Amex Blue Cash Everyday: 3% back on groceries
2.63% back on everything
3.5% back on dining and travel
Also no foreign fee.
If you add their Cash Rewards card it also then pays 3.5% back at warehouse stores (eg Costco) and 5.25% back on gas (including at Costco). You need to get a cobranded version to get a visa if you want to shop Costco otherwise it's a MasterCard by default. The one with the WWF branding is a visa for example.
You need to be a citizen or greencard holder to open the required account with Merrill Edge otherwise you don't get the 1.75 multiplier and the bonuses are much less. Then you with be better off with Citi DC and Citi Costco visa.
I also have the Amazon Chase card which gives me 5 percent back at Whole Foods. I do all my shopping between WF (5%) and Costco (3.5%).
But you're probably right if most of your income is spent at Costco you're better off with cash back or food stamps.
Sounds like you do, though....
I won't go for local banks. Don't care about the personal touch they claim to provide. All I need is reliable online experiences so I don't have to deal with people. Local banks can however be good for some types of loans, but then again I feel big banks can always out muscle them on rates.