I'll be joining the consulting world very soon and am thinking about getting a new personal credit card. My meal expenses are per diem so I'm thinking about the AmEx Gold card as it has 4x points on dining.

I was wondering if anyone had any suggestions on personal cards for consultants and how to go about my corporate card as well! TIA

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Chase Sapphire Reserve

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Travel credit has now been expanded to gas and groceries, so still worth it for some

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Given Covid everything is out the door. Just wait and see what happens next couple months. No one is traveling or expensing.

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Don’t. Just don’t.

You are clearly entry level. I’ll bet $1,000 you don’t know how to actually manage your finances. You will get yourself in trouble.

Right now, a CC is going to get you to buy shit you don’t need...

Edit: I hear the commentary of “this is rude” so let me clarify

I made this mistake. That’s why I say dont. Credit cards seem like free money. I had jobs from the age I was 12 but until I graduated from college and had my first job I did not understand your salary is not what you make. You need to establish a routine while living easily with your means.

Once you have that down, you can get a credit car and use it as a mechanism to help you build credit.

Sorry for being harsh, just trying to save somebody the pain and mistakes I made. Avoid the rabbit hole. Credit cards can be great tools, but a tool is only helpful if you know how to do the job. We don’t educate people graduating from college on how to manage finances and credit cards are easy. Please just be careful.

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I managed my finances fine at that age. My advice is go with an entry level card with low annual fees. It might not rake in a ton of rewards but you also won’t be stuck with a huge annual bill for perks you may not even use and seeing it entry level, you’re prob not going to take in a ton of personal purchase points either. Most firms I’ve been at (3 big 4’s) make you put your expenses on your corporate card, especially the big purchases like airfare and hotel, or it puts you at higher risk of audit and is company policy. Just pay the 90 dollar annual am ex fee to get points off your corp card.

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Corporate card and expense policies will be dependent on your firm. Recommend reaching out to your HR.

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Oof - not a risk I would take

Are you traveling anytime soon? If not I’d hold off until travel resumes- some of the better cards have high yearly fees that are offset by the benefits, but if no points/travel than it’s just money lost down the drain. Many of us are trying for get our CC companies to waive the fees for this year.

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Costco citi card even better if you have a membership: 3% cash back on restaurants.

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