Best credit cards for 21 yr old?
Majority of money goes to clothes, groceries, and eating out. Was thinking the capital one savor card but idk. Help
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It depends on how much you spend per year.
Assuming you have the normal budget of a 21 yr old, you should check out the citi double cash back card. 2% off all purchases with no annual fee. It's an easy way to start building credit, and the 2% adds up over time.
Thank you! Yep normal budget.
got up out my birkin, she workin'
she say she a virgin, (it's hurtin)
she know I'm a man imma put that work in
Yeah what he said
Here are my favorites to carry around:
Daily Spending - Citi Double Cash Card: 2% on everything, no annual fee
WF/Amazon - Amazon Prime Card: 5% at Amazon and Whole Foods, no annual fee if you have prime (family account works)
Groceries/Streaming - Amex Blue Cash Preferred: 6% on groceries & streaming services, $95 annual fee
Rotating - Chase Freedom Flex: 5% on rotating categories, $200 after you spend $500, no annual fee
The Freedom Flex is the 5% rotating categories. The unlimited is 1.5% on all purchases.
Good catch. Thanks!
Apple Pay is WAY too convenient. Any time I don’t have to go through my shipping and billing info is a win for me
you can also shop lift
If you enjoy traveling, I would recommend an airline affiliated card. I personally have the Delta Skymiles card which helps me rack up points that I can put towards future flights. It’s always fun to travel for “free”. There are bonuses connected to airline purchases, restaurant purchases, grocery purchases, etc.
Assess which airline you use most and get their credit card. You won’t regret it.
I’d love to do that post grad but rn the only travels on my list are spring break to Mexico haha. Thank you, in the future for sure
Sapphire Preferred is a good card with a lower AF than most other dining/travel cards. I think it’s free the first year too
Chase sapphire preferred, amazing signing bonus right now, 5x points on lyft 3x on dining, hotel credit (best for analyst IMO)
95$ fee, spend 4k in 3 months and get 1k in points (redeemed for travel its 1.25k)
dm me haha big fan of this card
Thank you for the rec!
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Del
For dining out and groceries, I use the Amex gold (4x points on groceries and dining). I make back most of the $250 annual fee without changing spending habits thru the $120 annual uber credit and $120 seamless/grubhub credit. I then use my chase freedom for everything else.
Do some research and crunch some numbers to maximize your points based on your spending habits. It's not hard.
What an unhelpful response. Not everyone is familiar with credit cards when they first start out.
There are websites literally dedicated to this exact topic that would have provided information far better than anyone on here could provide. And crunching the numbers is the best advice because everyone's spending habits are different, there were 5+ suggestions given on here alone and the only way to know which is best for OP is to crunch the numbers.
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