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Personal Finance 3w
I have discover cashback as my first credit card. Had it for a year and half now with a 780 credit score. Thinking about getting a second one. What would be best with no payments included?
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Anonymous 3w

I’m not super well versed in this area, but I think a strong move would be getting a Chase Freedom Unlimited for a solid 1.5% on everything plus bonus categories and future travel upside OR Citi Double Cash for a simple, flat 2% on all purchases OR American Express Blue Cash Everyday if you spend a lot on groceries and gas. Any of these keeps things fee-free while leveling up your rewards and credit.

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Anonymous 3w

Just go for whatever gives you the best signup offer.

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Anonymous replying to -> smart_tiramisu 3w

Both of my cards combined have an annual fee of 6k total so take my advice on the best no payment credit cards with a grain of salt please

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Anonymous replying to -> smart_tiramisu 3w

What cards have a 3k AF?

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Anonymous replying to -> #2 3w

Centurion had a 10k initiation fee and a 5k annual fee and JPM Reserve is only 550 a year. So $5,550 to be exact in annual fees.

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Anonymous replying to -> smart_tiramisu 3w

what would you say about the savor card?

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Anonymous replying to -> OP 3w

Savor is definitely a strong credit card to have, but it’s really just preference atp. I categorized each one, which might help: Savor = 3% on food/dining/some entertainment. Chase Freedom = balanced (3% dining + 1.5% everywhere). Citi Double Cash = simple 2% cash back on everything. Let me know if you have any other questions!

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Anonymous replying to -> smart_tiramisu 3w

What about the american express blue cash? Also is the 3% for food for chase and savor the same thing?

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Anonymous replying to -> OP 3w

American Express Blue Cash is a bit different, it usually gives higher cash back on groceries and streaming, but less on general dining or entertainment compared to Savor or Freedom. As for the 3% on food: Savor gives 3% on dining and some entertainment, while Chase Freedom gives 3% on dining but not on entertainment. So they overlap on restaurants but not everything else.

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