Credit Cards

Just wondering what cards people have and love/hate?

I currently do not own a single credit card as of now and it's probably time I get one... I am mainly looking for the following on a card:

*No annual fee
*Nice kickback for spending and/or travel rewards (flights mainly)

... I'm leaning to a BP based card (only gas station in my little town) and I spend a fair amount on gas (a lot gets paid back from work) but if I put it on a card I get X% back + my milage from work I win twice.


Open to anything though
THANKS!

My first card was a gas card. Good and easy to build credit with. You buy gas all the time so go for it if there's no fees.

I currently have a Chase and Bank of America card. Had two other Chase cards and a Discover before, but when the market tanked they sent me a thing saying they were jacking up the APR on those three, despite that I rarely carried a balance and if I did it was only for 2-3 months. Never late or anything. I told 'em to go pound sand and keep the interest rate I had or cancel the card... So I closed those accounts.

Now I use the BoA for anything I buy with a credit card. Whenever I save up a large amount of "points" on the card I redeem them for cash (check). Funny, a week after I did that the first time they sent me a letter saying my APR was going up. I called and gave 'em the same spiel I gave the others and they wouldn't take it, so I caved and kept the card. I never carry a balance and wouldn't at the current interest rate they have me at, so although occasionally they used to make a little off me if I carried a balance now they don't get anything now but I still get checks now and again.

Whenever I buy something like from Amazon they'll sometimes have offers for some percent off if you sign up for a card. I usually do those, get the discount, immediately pay the balance in full, and never use the card again. I don't hesitate to use them like they try to use us. Even with the few cancelled cards and whatnot I still have an excellent credit score. So go ahead and get a card or two and build some credit, just don't get in the trap of carrying a balance and paying them interest.

My advice would be to stay away from the large banks for your first card. Are you a member of a credit union? If so I would start there. My first one was with State Employees when I was 18 to build credit. Nearly 10 years later I still have the account and the interest rate on it is a ridiculously low 6.99%.

I also use USAA, which is member only military banking and they offer crazy rewards and incentives with zero red tape that you get with crooks like BoA. If either of your parents were military check to see if your eligible. They're insurance is unmatched as well.

after a ton of research the amex blue cash card has the best rewards with no annual fee that I could find. Down side is that amex isn't accepted everywhere but most places. Great amex benefits/insurance/etc.

I use SPG amex.

I have a discover miles card. its nice because it pays double rewards on travel related purchases like hotel stays (which is why i originally got it, stay at alot of hotels for work) and gas. i used it the reward points to pay for a hotel stay for a weekend trip to san antonio. i dont know the interest rate and im not too concerned with it since i have never carried a balance. i also have a visa thru my credit union but it pretty much never gets used.

I have no intention of ever leaving the balance sit.... its more of a pay for gas/lunch at work throughout the week and end of the month - pay it off.... also in the rare case it would be nice to have for an emergency... would suck if disaster stuck and my checking wasn't full enough to cover the chaos.

I like a lot of what AMEX has but my concern was how/where it was accepted.

Costco AMEX.... There is the Costco fee, but we do that anyway....

I have had minimal issues with places that don't accept AMEX, but have my bank issued VISA to cover those situations, which are VERY FEW and far between.

No Costco here in Wisco... we get Sam's Club...

I'm going to look into Amex anyway, seems like a pretty solid card