Credit card advice

I see what you're saying. A measley 1% doesn't mean squat if you're carrying a balance at 24%.

I only use mine for monthly bills and things I'd be paying cash for anyways. May as well get the perk.

The #### would have to seriously hit the fan to put me in a situation where I'm carrying a credit card balance these days.

 

As others have recommended Capital One Quiksilver is the card I got. The cashback program is simple and it's really just a backup/build credit history card for me.

Another major perk for me is no foreign transaction fees (I run a lot of Canada). Something to look for if you travel internationally.

 

https://www.nerdwallet.com/the-best-credit-cards

Check this out OP. Good website. I personally like the American Express Blue Cash. They are VERY generous with their credit limit and the rewards are great.

 

Credit union visa, $10,000 limit at 7%

 

I couldn't imagine life without my children. They are worth every penny.

 

I get ya. I have none, so I suppose I don't know what I'm missing out on.

 

Pay it off every month and the interest rate is zero on every card isn't it?

 

I have found this to be an old school line of thinking. I use American Express for everything, everywhere. Been a long time since I came across someone not accepting it, usually a small mom and pop bed and breakfast inn or something.

I use the Hilton Hotel point system, haven't paid for a hotel stay in years.

 

American Express. Member since 1995.

I still have a Visa card that I opened in 1987 but I like the Amex better.