so i've been looking at getting another (2?) credit card(s). i found a few that seem pretty good. these seemed to be the best from my own searching, and most tended to be on "top pick" lists that i've read. so i'm just looking for some input on which of the group would be best.
the first of the bunch is a regular card, no rewards program.
CapitalOne Platinum Prestige
http://www.cardhub.com/d/capital-one...edit-card-81c/
although it doesn't have a rewards program, its got 0% interest until may 2014, No annual fee, $0 Fraud Liability if the card is lost or stolen, 24-hour travel assistance gives you a replacement card and cash advance, 24-hour roadside assistance (which i didn't even know credit cards offered), and Travel accident insurance if you rent a car and get into an accident. plus you can pick your own card image!
seems like a nice little security blanket card to have.
then the others are all rewards cards. i'd like to get one to get something back. i would use it for smaller purchases i know i can pay off every month.
Chase Amazon.com Rewards card
https://www.chase.com/online/Credit-Cards/amazon.htm
$30 Amazon.com credit upon approval.
3x points shopping at amazon.com, 2x on restaurants and gas, 1x on everything else. 100 points = $1.00. can't find much more information on it.
Discover It
https://www.creditkarma.com/creditca...vent=269609231
0% for 14 months, $0 fraud liability, no annual fee. every quarter a category gets 5% cash back while everything else gets 1%. a review on the card said it basically averages out to 2% over the course of a year. i'd rather everything just stay the same all year than only get extra points for 3 months on certain things. what if i don't do those things at that time? then i'm losing out.
CapitalOne Cash Rewards
https://www.creditkarma.com/creditca...vent=269609205
$100 bonus if you spend $500 in first 3 months. no annual fee. only 1% cash back on all purchases, but apparently they give you a 50% bonus of your total at the end of the year? 0% until feb 2014.
Chase Freedom
https://www.creditkarma.com/creditca...vent=269609198
$100 bonus after spending $500 in first 3 months like the CapitalOne card, which is a plus. 5% rotating categories like the Discover, which is a minus, 1% on everything else. no annual fee, 0% for 15 months, which would cover summer 2014 ticket requests.
my gut is telling me to go with the two Capital One cards. one to get the rewards, the other to get the security features. agree? disagree? is there something not on this list that would be better?