4 ms·
Perhaps an unpopular opinion, but the differences between cards are usually small enough that it's not worth the time worrying about it. Whatever has no fees an
by nosefurhairdo 3y ago
Perhaps an unpopular opinion, but the differences between cards are usually small enough that it's not worth the time worrying about it. Whatever has no fees and easily understood cash back (i.e. non-rotating categories) should be fine. If you have known upcoming expenses you might look for an intro offer with cash back after $x spent.
It's also extremely variable what card would be best based on your spending habits, so nobody here can answer whether you should get a new card or which card would be ideal.
TL;DR: don't worry about it, do your own research (timebox it for no more than an hour), and pick something you won't have to think about. Your time is more valuable than marginal credit card rewards.
- creer 3y agoCredit card are very long-lived entities (and part of your credit rating depends on how old your oldest account is - so once you get a decent no-fee card basically never close that one). But sometimes fickle. So I'd say you need more than one (decent one) and you can afford to spend much more than one hour on thinking about it. Just based on rebate rates and lower cognitive load later.