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Found 1 result

  1. Indecisive Poet

    Best Credit Card?

    I'm not sure if this is an appropriate forum to post this in -- happy to relocate if needed! I'm wondering if anyone has found success with a really great travel or cash-back credit card that they'd like to recommend to another grad student. I am just starting an MA program this fall but thinking about a credit card to open now and continue with throughout my PhD (if accepted -- fingers crossed) and for the next several years. Right now, all I have is a basic secured card I opened during undergrad when I had no credit score. I am debating between a travel card and a cash-back/rewards card. Like many of you, I'm sure, I am very frugal. Other than rent and utilities, I generally only spend money on basic necessities, with most of that being groceries. Dining rewards don't appeal to me because I do my cooking and eating at home; likewise, entertainment/recreational shopping rewards don't appeal to me either. But it would be great to get free cash back on the money I do spend -- gas, groceries, the occasional pharmacy trip, maybe laundry or phone bill. But alternatively, while I don't travel much now -- and when I do, I'm used to flying with budget airlines and spending minimally -- I anticipate I'll be doing so quite a bit for conferences in the future, so I'm considering travel cards as well. The only thing is I'm not sure how useful that would be since my program will hopefully be reimbursing me for that travel anyway. Would anyone recommend one strongly over the other? I'd prefer something with no annual fee. I will be abroad for my MA program so no foreign transaction fees is a must as well. FWIW, my credit score is fairly good -- mid to upper 700s -- and I never carry a balance on my card, so low interest rate is appealing but not altogether necessary.
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