FlyerTalk Forums - View Single Post - which 2 credit cards to get
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Old Dec 5, 2015 | 3:04 pm
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NYCRuss
 
Join Date: Nov 2014
Location: NYC
Posts: 581
The Citi Double Cash is a fine 2% cash back card for non-category spend, although it has no signup bonus. One way around that is to get a Citi card with a signup bonus, and then product change it to a Double Cash in a year.
Thread about the card is here:
http://www.flyertalk.com/forum/citi-...ted-1-1-a.html

The Chase Freedom and Discover it are rotating 5% cash back cards that complement a 2% card well. Also, the Discover it currently has a promo to double the cash back for the first 12 months. That makes it a 2% cash back card for non-category spend, and a 10% cash back card for category spend for that first year. Threads here:
http://www.flyertalk.com/forum/chase...pend-3-mo.html
http://www.flyertalk.com/forum/credi...12-months.html

If you'll be traveling internationally, you need a Visa or MasterCard with no foreign transaction fees. The BofA Travel Rewards is one such card. It's only 1.5% cash back (limited to travel-ish redemptions) if you have no banking relationship with them. With a banking relationship with BofA, it can get as high as 2.625% cash back, as per this thread:
http://www.flyertalk.com/forum/credi...l-credits.html

The Chase Sapphire Preferred may not be the best card if you're not using the points for travel, and if you can't justify the $95 annual fee after the first year. Thread is here:
http://www.flyertalk.com/forum/chase...ed-1st-yr.html


What are your current FICO 08 scores? If they aren't high enough, getting any card will be challenging. If you have no FICO scores, you likely won't be eligible for any decent card that isn't secured. Getting one secured card, which is an option available with the Discover it, will allow you to generate a credit history. Six months later, when FICO scores are generated for the first time, you'll have a much easier time getting cards that you want.
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