Credit Cards

[MawMaw]

My husband and I have not carried a basic credit card in a long time. We have considered lately getting one though, just to have when we go places, so as not to carry cash or have to use our debit cards. Can anyone suggest a good reputable credit card to apply for that does not charge yearly fees and such? We get offers from Discover all the time. What's your opinion of that one in particular? Thanks.

[AreYouReady?]

I use these people and have for 35 years.

https://www.bancorpsouthonline.com/home/personal

I have veered in the past using other bank credit cards and been burnt by the others. So now I cut up all other cards and use BancorpSouth only.

[RandyWayne]

I have a card from Bank of America, US Bank, and Chase. I ONLY use the US Bank one, but I use it for almost ALL purchases because it gets 1% cash back on most things (and 2 and 3 on others). It is 5-20 bucks a month in free money I wouldn't otherwise see.

[AreYouReady?]

Two of those banks I would never use because I have been burnt by their deceptive practices.

[Sweet Pea]

We have used Discover for years - love the cash back rewards!

Have never had any problems!!! We use it for literally everything and pay it off at the end of the month.

[StillStanding]

I have one credit card -Chase Southwest Visa

I use it for everything (including tithes)! I get enough points for four free roundtrip flights per year. My yearly cost - $35. Not a bad trade off!

BTW, I pay it off every month so I pay NO interest!

[Arphaxad]

Originally Posted by Sweet Pea

We have used Discover for years - love the cash back rewards!

Have never had any problems!!! We use it for literally everything and pay it off at the end of the month.

and they raise my credit limit every couple of years, love it.

[MawMaw]

Originally Posted by Sweet Pea

We have used Discover for years - love the cash back rewards!

Have never had any problems!!! We use it for literally everything and pay it off at the end of the month.

Originally Posted by Arphaxad

and they raise my credit limit every couple of years, love it.

Well since 2 of you really like the Discover card, I guess we will try with that one!

Thanks for all the input from the rest!

[Timmy]

I just redeemed our Discover cash-back bonus for some restaurant gift cards (they are worth $50, cost $45, so a bit of a bonus, there) and a $400 statement credit. It's been accumulating for a while.

[Rose]

Originally Posted by Sweet Pea

We have used Discover for years - love the cash back rewards!

Have never had any problems!!! We use it for literally everything and pay it off at the end of the month.

Ditto... Discover card!