Credit Cards

Credit cards of my choice

Credit Cards For Travel

Best Premium Travel Credit Cards:

Credit Cards For Dining
  • American Express Gold 4%
  • US Altitude Go 4%
  • Chase Sapphire Preferred 3%
  • Capital One Savor 4%

Credit Cards For Entertainment
  • Capital One Savor 4%
  • Citi Custom Cash 5% Category of your choice – see card issuer for more details
Credit Cards For Groceries

Groceries are a major expense for most people, and with inflation on the rise, they’re only getting more expensive. That’s why it’s important to find ways to save money on groceries, and credit card rewards can be a great way to do that. Below is a list I put together the best credit cards for earning rewards on your grocery spending.

AAA Daily Advantage (5%)

Chase Instacart (5%)

Target Red Card (5%)

Capital One Walmart Card (5%)

Citi Custom Cash / RewardsPlus (5%/5.5%)

Chase Freedom Flex (5%) Rotating Category

Discover It (5%) Rotating Category

Verizon Visa (4%) earn Verizon dollars – must be a Verizon customer

Venmo Credit Card (3%) coded Costco/Walmart as Groceries store

Capital One SavorOne (3%)

Chase Amazon Prime (5%) Must be Amazon Prime Member (whole Foods)

Amex Blue Cash Everyday (3%)

Amex Blue Cash Preferred (6%)

Amex Everyday Preferred (3X/4.5X)

Citi Premier Card (3X)

Chase Sapphire Preferred (3X) Online only (excluding Walmart/Target/Wholesale Clubs)

Amex Gold Card (4X) – My favorite

US Bank Altitude Reserve (3X/4.5X) Mobile wallet spending

Credit Cards For Small Businesses

Chase Ink Business Cash

Chase Ink Business Unlimited

Chase Ink Preferred

Chase Ink Premiere

American Express Business Platinum

American Express Business Gold

American Express Blue Business Plus and Cash

Capital One Spark Plus

Premium Credit Cards – Hotels – Airlines – ATM Fee FREE

Let’s travel the world together! A travel credit card is almost always a good idea if you want to offset the cost of future travel. If you are able to save up airline miles, rack up points for free nights at hotels or get discounted travel through your credit card issuer, you’re on your way to saving significantly on travel costs. The right travel card will vary depending on your travel habits, but there is at least one that can fit your travel style and budget. Most travel credit cards come with generous sign-up bonuses and additional travel perks, like airport lounge access and travel insurance. Check out some of the best credit cards below my picked.

Best Premium Travel Credit Cards:

Best Hotel Credit Cards:

  • Chase World of Hyatt
  • Hilton Honors American Express Aspire *
  • Marriott Bonvoy Brilliant® American Express

Best Airline Credit Cards:

  • Chase United Club Infinite Card
  • Citi® / AAdvantage® Executive World Elite Mastercard® Credit Card
  • Delta SkyMiles® Reserve American Express Card

Best Debit Card to carry to take money out ATM absolutely no fees!

  • Charles Schwab Debit card *
  • SoFi – Debit card

Car Rental Companies for Amex Platinum card holder. Enjoy complimentary premium status for a number of car rental programs. Once enrolled in a program, receive upgrades when available, discounts, and priority service for your next car rental at participating locations. Enrollment Required. Benefit limited to Platinum Card. Terms and limitations apply.

Check out the Amex Platinum card holder benefits & privileges Click Here.

Best Catch All Credit Cards 2% Back On All Purchases

Citi Double Cash Mastercard

American Express Business Blue Plus

Capital One Spark Plus Visa

Sofi Mastercard

Wells Fargo Active Cash Visa

Fidelity Visa

You should never apply for a credit card without a goal in mind. Here are some reasons why:

  • Applying for a credit card can hurt your credit score. Every time you apply for a credit card, the lender will do a hard inquiry on your credit report. This can lower your credit score by a few points. If you apply for a lot of credit cards in a short period of time, it can have a significant impact on your credit score.
  • You may end up spending more money than you can afford. If you don’t have a specific goal in mind for your credit card, you’re more likely to overspend. This can lead to debt and financial problems.
  • You may not get the best card for your needs. There are many different types of credit cards available, each with its own benefits and drawbacks. If you don’t know what you’re looking for, you may end up with a card that doesn’t meet your needs.

If you’re considering applying for a credit card, take some time to think about your goals. What do you want to use the card for? How much do you want to spend? What are the rewards that are important to you? Once you know what you’re looking for, you can start comparing different cards and find the one that’s right for you.

Here are some tips for choosing a credit card:

  • Consider your spending habits. What do you typically spend money on? Look for a card that offers rewards for the types of purchases you make.
  • Set a budget. Decide how much you can afford to spend each month on your credit card.
  • Use your credit card responsibly. Only charge what you can afford to pay off in full each month.
  • Use your credit card for emergencies. If you have an unexpected expense, your credit card can be a lifesaver. Just be sure to pay off the balance as soon as possible to avoid interest charges.
  • Only borrow what you can afford to repay. Don’t max out your credit cards or take out loans that you can’t afford to pay back.
  • Make your payments on time. This is the most important thing you can do to build a good credit history.
  • Keep your credit utilization low. Your credit utilization ratio is the amount of credit you’re using divided by your total available credit. Aim to keep your credit utilization below 10%.
  • Check your credit report regularly. This will help you catch any errors and make sure your credit history is accurate.

Using credit responsibly can help you build a good credit history, which can open up many financial opportunities in the future. So, it’s important to use credit wisely and avoid making any mistakes that could damage your credit.

Additional tips for using credit responsibly:

  • Set a budget and stick to it. This will help you track your spending and make sure you’re not overspending.
  • Use your credit card for only necessary purchases. Don’t use your credit card for impulse purchases or things you can’t afford.
  • Pay off your credit card balance in full each month. This is the best way to avoid interest charges and build your credit history.
  • Be aware of the fees associated with your credit card. Make sure you understand the interest rates, late fees, and other fees before you use your credit card.
  • Take advantage of rewards programs. Many credit cards offer rewards programs that can help you save money or earn points or miles that can be redeemed for travel, merchandise, or other rewards.
  • Take advantage of introductory offers. Many credit cards offer introductory offers, such as 0% APR for a certain period of time or a sign-up bonus. These offers can be a great way to save money or earn rewards.

If you follow these tips, you’ll be well on your way to using credit responsibly and earning rewards for your free travel.

Once you have a credit card, you need to build your credit score in order to qualify for higher credit limits on that card and other financial services in the future (the same tips would apply to someone who is maintaining an already good score). Credit scores are determined by these 5 factors:

FICO Scores are calculated using many different pieces of credit data in your credit report. (Not an affiliate link I do not get paid for sharing)

Learn More

10 Things you should never do with a credit card:

  • Never miss a payment
  • NEVER EVER allow a charge-off
  • Never take a cash advance
  • Never Max it out
  • Never add an authorized user that you don’t totally trust
  • Never forget travel notifications
  • Never use a credit card to finance purchases if you can get a better deals elsewhere
  • Never make purchases that incur transaction fees
  • Never use a credit card while applying for a mortgage
  • Never use a credit card to pay for other loans

How to freeze your credit file

Use the following links to [Start a credit freeze individually at each credit bureau]

Chase Business Ink Cards

Earn 100,000 bonus points with the Ink Business Preferred® card or up to $1,000 bonus cash back with the Ink Business Premier® card, Ink Business Unlimited® card or Ink Business Cash® card. I can be rewarded too, learn more.


error: Content is protected !!