I feel as if there are a ridiculous amount of different credit card options out there, and I’m not even referring to the different tiers of credit cards you sign up for. There are websites dedicated to pointing out which ones are the best, and which ones have the best sign-up offer to help us make better educated decisions when applying for a new line of credit.
I’m pretty open with the fact that I use credits cards for everything I can because I like taking advantage of the rewards the card offers. But, I’m not a credit card junky, and try to be very selective of what I have so that I can the most rewards I can from them.
Here is a list of the credit cards I use and why I like them so much:
Southwest Priority Credit Card
I really like flying with Southwest. More importantly, I like that they aren’t bothered by the events in my life that could cause a change in plans. I can cancel and change flights with no real consequence. With that sort of appreciation for an airline, why not get one of their credit cards?! Their priority card costs $150/year but you get a $75 credit towards Southwest purchases. Here’s a few perks to having the card:
- After you acquire 110,000 points in a calendar year, you get the companion pass which is good for the rest of that current year, and one whole calendar year after that. Pretty sweet!
- You can cancel or change your flights at any time.
- You can earn extra points when shopping online with this Southwest Chrome Plugin
- You earn thousands of anniversary points every year.
Earn 40,000 bonus points with the Southwest Rapid Rewards Premier Credit Card. I can be rewarded too if you apply here and are approved for the card. Learn More.
Delta Skymiles Gold – by American Express
I have to admit something. I have a bit of an insatiable desire to travel. Which is why I have 2 airline credit cards. I applied for this Delta card when they were running a promo on getting 60,000 points after spending $3,000 in the first 3 months. Just to give you an idea… 60,000 points on Delta is a roundtrip flight to Europe. Yeah! Flying to Europe without spending a dime sounds like a great way to start any trip!
With international travel starting to become more within reach, I thought I would get a credit card that would reward me on some of these longer flights. Not to mention, when you first sign up for the card, you get a $100 credit on your next flight. I found it easiest to get this credit by signing up for the card as I was booking a delta flight.
Costco Citi Credit Card
I don’t know who doesn’t love shopping at Costco, but one of the best things I ever did was sign up for their credit card. Getting money back each year on purchases I would have made regardless seems like a no brainer! I get 4% back on gas that I buy, 3% back from restaurants, 2% back on anything I buy in the store or online, and 1% back on everything else. By the end of the year… I usually get $50-$100 cash back. If I had family members on my account, and if I had an executive membership… the cash back rewards accumulate even faster and become more than worth it!
As I’ve looked at other credit cards, and even when compared to others that I have, I would say that this card is probably, arguably, the best one I have in terms of rewards your typical day-to-day card.
You can sign up for their credit card at the membership counter, or online here at Citi.com.
Amazon Prime Credit Card
This is my newest credit card, and honestly, I do not know why it took me so long to sign up for it. I love online shopping and I LOVE shopping at Amazon. Of course, not everything can be bought at Amazon… but with 5% back on everything I buy at Amazon or Whole Foods is something I could not ignore. That’s better than Costco’s reward program and if you’re a Prime member, you get all the perks of these other signature cards with NO ANNUAL FEE! I honestly cannot say enough about the card.
When you sign up for the card, you also get a $70 gift card that is automatically applied to your account when you’re approved.
USE CREDIT CARDS RESPONSIBLY
I would be extremely remiss if I didn’t stress the importance of spending wisely on credit cards. I use credit cards for the rewards programs they offer. If I’m going to spend money, I see nothing wrong getting a little reward in return through the process.
However, I NEVER roll a balance. Each of my credit cards are paid in full every month. I DO NOT have credit card debt. Every bit of spending is factored into my budget which means I should have money to pay off my credit cards without fail every month.
Disclaimer: There are affiliate links on this page, that, if you’re approved for any of the credit cards mentioned above, I’ll receive additional reward points