[quote name='Access_Denied']AmEx charges and annual fee and it isn't accepted everywhere, but it is a good card. They bought me a new iPad when it was stolen from my apartment, just because I had bought it on my AmEx card recently.[/QUOTE]
Your ignorance is outstanding.
Blue Cash Everyday = No annual fee.
Hilton HHonors = No annual fee.
Those are just two of four cards I have from AMEX.
OP go to:
-http://creditcardforum.com/
-myfico forums
-credit boards
Ignore all the terrible advice in this thread.
I'll throw my 2 cents in for a finisher. Chase Freedom. Good starter card and even people like me who have almost $100k in available credit still appreciate it's bonus catagories each quarter.
[quote name='EnvyNeko']Alright. I'll give the Amazon card a shot. I think that one would work the best for me.[/QUOTE]
I have the amazon visa and it's a worthless pile of crap. I'm going to keep it open only because of no annual fee and to extend the age of accounts on my credit reports.
Everyone needs to start somewhere. Getting in with Chase and Citi early helps you further down the line when you want Amex (they require some credit history *clean history* to get in with them). Make sure to make all payments on time. One late payment can hurt your credit something fierce and will cause lenders to avoid you.
Feel free to PM me. I'm a bonus churner and it took years to clean my credit up. I trashed it at 19 years old and it took an incredibly long time to repair it.
My Limits:
NFCU NavCheck: $15,000/NFCU Platinum: $10,000/NFCU nRewards: $8,000
Chase Slate: $6,000/Chase Sapphire Preferred: $5,000/Chase Freedom: $2,500/Chase Southwest: $2,000/Chase Air-Tran: $2,000/Chase Amazon: $1,000
American Express Blue Cash Everyday: $8,000/AMEX Hilton HHonors: $3,400/JetBlue American Express: $2,000/AMEX Delta Skymiles Gold: $2,000
Citi Simplicity: $6,800/Citi Forward: $2,400/Citi Diamond Preferred: $2,200
Discover IT: $7,200
Barclay's NFL Extra Points (Carolina Panthers): $5,000
DCU Platinum: $3,000
RTN Federal Credit Union CC: $2,000
CCCU Platinum Rewards Visa: $2,000
Current total limit: $97,500