What is everyone's opinion on the best current card to get (with 0% purchase intro) for someone (wife) with spotless credit, all scores 750+ ? We are looking to get rid of her Fleet Plat that was 9,9 Fixed but just became 9.9 Varianble. Thanks for your opinions! She currently has: Citi Plat Select 6.15 V Universal Plat 6.15 V Fleet Plat 9.9 V Amex Blue 9.9 F
I've been looking at 3 cards. The Amex Blue Cash, the Chase Stockback card and the Principal Platinum card. The Amex Blue Cash is OK, but it tiers you in the cash back department. Go to www.fatwallet.com and search the forum for it for some tips on how to maximize it. The Chase and Principal cards give you 1% and 1.25% respectively and instead of cash the money is invested into a mutual fund which will grow over time. With the Chase card you also have a chance to earn much higher percentages if you shop online through www.stockback.com. My current card is the GM card which gives you 5% back towards the purchase of most GM vehicles. You need to check the schedule for how much you can apply to which car. Since I'm paying for Univ of Phoenix online with my GM card, I should hit $1000 in rewards by year's end. After that I'm going to have to start using a different card. I'm leaning towards the Principal card, but people on fatwallet say it's pretty hard to get. First thing Monday I'm going to have to send out some disputes concerning hard inquiries that shouldn't be there.
