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Shopping for the Best Credit (or Debit) Card

1/29/2010 | Posted by Christy Taylor | Edit Post
*You can also check with your bank to see if they offer a debit card with similar rewards!
If you are not currently in debt and have no history of trouble with credit cards, it's time to pick one that will start paying you! I Googled a few sites that will help to narrow down some of your choices.

The following is an excerpt from DollarTimes with recommendations on reward cards:

Citi Rewards Cards: I personally have a Citi card that has a very good rewards program. Unfortunately, it's not available any more, but Citi still offers some decent cash back cards.

Other Recommend Cards:- from Jason Skinrood, of PlasticRewards
  • Costco American Express: This card is quickly becoming very popular because of the large 3% gas rebate. Card features excellent customer service but you receive your rebate as a Costco gift card.
  • Discover More Cards: The cards feature excellent customer service and earn up to 5% cash back. Rebates are tiered and Discover offers additional promotions throughout the year.
  • Citi Forward Visa Card: Earn points that can be redeemed for cash back or other rewards on every purchase. Cardholders can also receive up to 2% APR reduction with responsible use.
  • IBERIABANK Visa Gold Card: This card for people with excellent credit earns a straight 1% cash back on all qualifying purchases. No cash back limits or expiration dates.
  • For REI Customers: The REI Visa card has also caught my eye. It has 1% cash back, and 5% cash back on REI purchases. But you have to be an REI member to qualify.
  • Airline Rewards Cards: I have looked at dozens of offers for credit cards that reward you with airline mileage. None of them are good, mostly because of hefty annual fees. If you find a decent airline miles card, please let us know.
*A note from me: We’ve been very happy with our Chase Visa card which earns us a point for every dollar spent. We turn those points in for gift cards for gas, restaurants, retail stores, etc. My husband saved his birthday money and added several of these gift cards to put towards an IPod Touch from Best Buy. Sometimes he surprises me with cards to places like Kohl’s or Pier One as a special treat. Most often we use them towards restaurants so we can eat out guilt free—financially, that is. Most of the friends that I surveyed used Discover or Capitol One for great rewards, but one friend told me about USAirMastercard which earns them free flights and has no yearly fee.

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