What is the best credit card for me to get?

I don't have any credit cards right now. I am not worried about building credit, because I have a home and a car I pay on and my credit's pretty good. HOwever, I still think it would be smart for me to have one for emergencies. What is the best kind for me to get? And I don't want one I have to pay off every month.

Thanks!

This is an excellent yet difficult question to answer. The reason this is difficult is because choosing a credit card is similar to choosing the car you drive. While it is not the most important aspect of your life, it is something that must be a fit for you. Credit cards come in many different styles, APR interest rates, terms of payment, grace periods, reward programs, and especially customer service, etc. so for me to tell you that "this" credit card is "the best" would be irresponsible and a huge disservice to you. What I can do is offer you guidance and present examples of what I have and what others have told me that have and like.

The first place you can begin your search is at <www.creditcards.com>. This is a very real and reputable website. Here you can filter out cards you definitely do not want (IE: a monthly charge card) or cards with certain financial institutions that you do not want to do business with) and features on a card that you do want. This is probably the best way to determine which credit card is the best fit for your personal needs.

One more website is <www.allaboutcredit.net>, which will also help you find the best card for you.

Also, check out a columnist named Liz Pulliam Weston at her website <www.asklizweston.com>. She is a Personal Finance Columnist who also publishes a lot of articles for MSN Money. Her website will give you some great guidance and tips for personal finance management.

Lastly, here are some of the cards I personally have:

* WAMU Platinum Card - I got it because of the 0% intro rate for 12 months. I like it because I can look at my current FICO credit score FREE along with information about my personal credit profile. Downside = APR rates a little higher than I would like since most of my cards are lower interest rates.

* Wells Fargo - I like this one because there is no limit on the "Cash Advance" feature of the card and because purchases and cash advances are the same "Locked" Interest Rate (Below 10%) so whether I purchase go get cash I am paying the same interest rate (cash advance fee will however apply). Dislikes = Rewards Program offers a 1:1 ratio for reward points, but redemption point requirements are pretty hefty and not the most desirable.

* Chase Freedom Card - I got it for the 0% interest for 15 months. The rewards program pays a 3:1 ratio for certain purchases like groceries, gas, etc. and 1:1 for everything else. Dislikes = Setting up online payment feature on website was such a hassle that I just said 'forget it' so I pay via check.

*AMEX Rewards Plus Gold Card - This is a charge card (due at the end of each monthly cycle) that I like to use instead of my bank debit card because I prefer AMEX. This card gave me 50,000 reward points just for getting the card and everything pays 1:1. The best thing I like about AMEX is that their customer service is the best I have come across. My favorite thing is that if I dispute a charge, AMEX will investigate it for me instead of me having to call the store, have them issue a charge back to my card, and take time out of my day (which is not a 5 minute task) to deal with everything. AMEX removes the charges until the dispute is resolved and will keep you updated. They also sent me a new card overnight (for free) just because my magnetic strip was not reliably functioning at stores and I asked for a new card (neither VISA nor MASTERCARD will overnight it for free). I also have my COPORATE AMEX CARD linked with my personal card so when I travel for business all of my charges add to my reward balance and vacation packages start at much lower redemption requirements to places you actually may want to go. Lastly, their rewards program was given the industries highest customer satisfaction rating. Downside = many places do not accept AMEX which really stinks sometimes and the card has an annual fee.

I hope this has helped instead of creating confusion. I am just really bored at work. Good luck.

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Citi Pro get a free $100 giftcard when you spend 250 in the first three months.

one with a VERY LOW INTEREST rate.... or none at all.

I recommend using your own money in emergencies. I feel that it does two important things: first, it makes you look at what really is an emergency more closely, and it won't get you in to debt. Lets say you get a credit card for $5,000. Then there is an emergency that makes you spend $2,000. You are going to incur a lot of interest charges paying that back (assuming you can't pay the balance off in full; and if you CAN pay that amount back in full then you certainly don't need a credit card for emergencies) .

Now if you had $5,000 in a Money Market Account (with check writing capabilities and a cash card; Capital One has such a Money Market Account) then you could just pay for the $2,000 emergency and not have to worry about interest charges or minimum payments. You would just build your emergency fund back up to $5,000 at your own pace. And, while the money is sitting in a Money Market Account, it will be gaining interest for you.

This is how I have my emergency fund, as I wouldn't want to borrow money in an emergency. Build up an emergency fund of liquid cash that you can get to quickly, one that equals the amount of money you would want on a credit card.

try getting a credit card through your bank, they sometimes offer a points system and low APR

you might want to get a student card or
you might want to go here to compare them, pick one that is right for u
http://www.bestcreditrates.net

http://credcards.maclenet.com - try this one. I personally use it.