Help a newbie out! I'm about to be first time credit card holder and I want to get into the game strong. Firstly, I request you to share anything you know about the points game that you learnt the hard way. Secondly, which one would you go with if you were me? And why?

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Start with Chase Sapphire. Chase has a 5/24 rule.
Leave anything capital for now
Amex will approve you for anything. Wait if you are new. It’s not about earning points , points have almost no real value till you redeem them, points are not to hoard (they are 100% devalued asset).

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Interesting. I didn't know that. Would you mind explaining that further?

Don’t redeem your points for cash back or directly on the cards travel portal. Learn about transfer partners and how to optimize.

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Yes, thanks for bringing this up. Gives me a reason to look into these things and really understand it.

Regardless of card selected, unless you are disciplined to pay off your balance monthly, do not get any points card.

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I'm sure I will be on top of monthly payments! Thanks for your advice, I will keep it in mind.

I would definitely start with Chase. The points with Chase are way more valuable than other in my opinion.

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Got you

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