{ "media_type": "text", "post_content": "What is the best credit card I should open? I currently just have a costco citi credit card and MasterCard debit card.", "post_id": "613b6aead209cc0025b5d247", "reply_count": 14, "vote_count": 1, "bowl_id": "5b3f7377ab53db00136f7b4c", "bowl_name": "FIRE Financial Independence Retire Early" }

What is the best credit card I should open? I currently just have a costco citi credit card and MasterCard debit card.

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What are your goals? Chase sapphire preferred still has great benefits.

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Not sure..I'm 26 and have been working for only 2 years

What do you want to use your rewards for? How much are you spending per month? There are entire websites dedicated to determining which card you should get. I think the Capital One and Chase points ecosystems are the most diverse for redemption. I went with Chase, specifically the sapphire preferred ($95 annual fee). My wife has the Chase Sapphire Reserve ($450 annual fee). Both have very generous bonuses when you sign up as long as you can hit the minimum spend - I think the current CSP promo is 100k pts with a $3k minimum spend over 4 months. Look up the Chase cards and see if their bonus categories and redemption partners look interesting to you. If not, look up the Capital One Venture ecosystem. If you’re interested in either chase card, let me know and I can refer you (which gives me some bonus points).

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Yes! I have both the Chase Reserve and the Amex Platinum. Chase Reserve is so useful because it’s one of the few cards that still offer primary rental insurance. My platinum is my favorite though, especially because I tend to fly Delta a lot and the lounge access is great. Also, they have a bunch of random perks that help make up for the high fee (Saks credit, airline credit, etc.).

Diners Club.

funny

I like my Capital One Quicksilver. 1.5% cash back, free foreign transactions, and no annual fee.

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Have this one too

Nerdwallet

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I would go with a no fee credit card with good cash rewards such Citi double cash or discover it

CSP

Surprised no one has said Alliance Credit Union - Visa with 2.5% cash back on everything, plus a HYSA @ 0.55% and checking @ 0.25%. No referral bonuses, just an exhausted deal-seeker who has found a comfortable home.

Costco Citi has a good extended warranty, unfortunately they dropped their price matching. My Barclay world elite comes with free phone insurance so I use that fire paying my phone bill. Amazon gets you 5% cash back for Amazon purchases. Alaska for the discounted companion fare. Other than that, unless you're going for the bonus offers, I don't think there is much else.

Check out The Points Guy for details. Can’t go wrong with Capital One Venture and Chase Sapphire Preferred

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