Credit Card Options

[cmac]

I need a credit card.
I know very little about what I want.
It's important that it will collect airline miles and I'd like for it to have some sort of reward points too.
I obviously would like a low interest rate.
I don't mind a small annual fee.
I bank at Wells Fargo if it helps.
Any suggestions?

[JRockTTU]

I fucking gave up on this thread when Impala started talking.

Step 1) find a card on the internet that gives you points for an airline you like to fly (southwest has their own card, but one of the AmEx rewards cards will convert their points to SW miles).

Step 2) apply for said card. The thing that I think was lost in this thread was that you said you have good credit and you're not worried about that. I don't know why this turned into a "how to increase your credit score" thread.

Step 3) put all your bills/groceries/incidentals/gas on this card and pay it in full each month. It's hard if you don't have self control and a good idea of your monthly cash flows, but we're all grown ups here.


Just make sure you pay it in full and you won't have to worry about an interest rate. Rewards cards don't always have crappy interest rates. I opened one about 6 months ago that gives me 3% back toward the mortgage on my house and it has a 12.24% rate. Of course I pay it in full every month so that doesn't matter.

Oh yeah, and after looking at the post above mine: If you need a free credit report then use www.annualcreditreport.com. It is the free yearly reporting that is set up by the credit bureaus and you don't get any subscription bullshit from it and they don't bug you at all. It's the legit one.