Hi there, have you checked out my posts on building credit and on how to take advantage of card benefits? If not, I suggest you take a look at them now.



When you are done, return to this page and look around.  I like to keep this page up to date as a good starting point for finding efficient cards. In addition, if you know of any kickass cards that should find their way onto this page, let me know.

Cash Back Cards

  • Citibank Double Cash

No annual fee. Earn 2% cash back on all purchases. 1% back when used to purchase and the other 1% back when you pay it off. It is almost as if they are giving you an incentive to pay it off, which is a refreshing twist in the credit card industry.

  • Chase Freedom

No Annual fee.  5% cash back on rotating categories, 1% back on all other purchase. $150 bonus after spending $500 in three months.

  • MLB BankAmericard Cash Rewards 

For those with a credit score of 740+. 3% back on gas, 2% back on groceries, 1% back on everything else. No annual fee. Very solid card for earning cash back.

Travel Rewards Cards

  • Chase Sapphire Preferred

Want maximum reward bonuses? Earn 50,000 points for spending $4,000 in the first 3 months of card ownership! Equivalent to $625 in travel. Earn 2 points per dollar on travel related expenses and 1 point back on everything else.

  • Capital One Venture

$400 in cash back after spending $3,000 in 3 months. Annual fee of $59  is waived for the first year. No foreign transaction fee2. 2% cash back on all purchases.

No Annual Fee Travel Cards

  • Capital One VentureOne

20,000 miles when you spend $1,000 in 3 months. Earn 1.25 miles per dollar on purchases. No Foreign transaction fees.

  • BankAmericard Travel Rewards

20,000 point bonus for spending $1000 in the first 90 days of card ownership. Equivalent to $200! 1.5 point for every dollar spent.