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Off Topic : 1) When Does a software engineer start financial planning for retirement since the our Career span is only 15-20 years on average.
2) How much and which schemes to invest to mitigate the risk?
3) How much do we need for retirement? Tata Consultancy Infosys Mindtree IBM Wipro Capgemini Cognizant HCL Technologies
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Amex gold, I have a referral offer if you’d like 90k points 🥵
Great benefits and not nearly as expensive as the platinum. Start getting into the points system for travel instead of cash back IMO.
Feel free to DM.
I second Amex Gold. One of, if not the best everyday cardS. Simply put I’m pretty sure most people spend most their monthly spend on grocery/dining (I definitely do anyway) and this is one of the best cards for that. And don’t worry about the annual fee, pays for itself with just one of its extra benefits.
It depends what kind of card you need though, like what certain category you spend a lot in but don’t have a card with good rewards for yet.
AMEX Blue Cash Preferred, easy. My most used card. 6% cash back groceries, 3% cash back gas/uber/parking/bus/tolls/etc, 6% some entertainment subscriptions, plus all the random AMEX offers that are the best I’ve seen (other people with AMEX cards can attest). For example just bought a nespresso and got $50 off with AMEX.
My referral if you want (and we both get rewarded): https://americanexpress.com/en-us/referral/SIMONs4OK0?XL=MIMCP
Chase freedom unlimited or citi custom cash. Amazon prime rewards is nice too if you shop there a lot
Sapphire Reserve. Definitely come out positive at least $1k a year with the benefits.
second this! you need very good credit for this card, so i’d recommend a lower tier chase freedom flex / unlimited for a great cash back card if you’re in the building credit stage
Sofi 3% cash back on everything
Why is this funny? SOFI or Yotta ( especially for credit building) is probably the best credit card on the market, and you get cash back for direct deposits, up to $300. This card is literally a cheat code. Please reply if you want referral bonuses. $25 for a debit account, $25 for a stock account, $100 for a credit card account, $300 for any type loan.
I got the Apple Card for my second solely because it was the highest credit limit offer I could find and I wanted a higher limit with no annual fees. I’ll echo the Chase Freedom Unlimited though, that was my first card and I liked it for the year. Fidelity has cards I’ve heard good things about. Bookmarking this thread for inspo on my next card though!!!!
Same, love my Apple Card. 2% flat on literally everything you use Apple Pay for (that immediately goes directly back into your Apple wallet) and the 0% financing on any Apple product is killer
Capital One Venture X, let me know if you want a referral