Quite a few readers who are ready to embark on the miles & points journey asked about how to get started with credit cards. This post is meant to be a follow-up to our initial beginner series on credit & what credit cards to consider for beginners. We will go over two tables, the first of which helps you determine what card(s) might work best for your various spending habits, while the second shows you what cards I personally use most often.
Before we start, I would like to quickly talk about cash back cards. Some of you may be aware of the fee-free Fidelity Rewards American Express Cards, which give you 2 cents back (2%) for every dollar you spend (There are also other Amex, Citi, or CapitalOne cash back cards with bonus spending categories). I personally don’t use cash back cards, because I can usually get 2 cents or better from using most miles & points. But if one or more of the following describes you, then a straightforward 2% cash back card might work better for you.