I’ve never paid for a credit card before, do I really need to start?
Fair question, and neither had we. There are some great no fee credit cards we highlight on our site. If the majority of your spend is in travel and food, it’s probably worth it to get this card. If not, the Citi Double Cash card (link to post) is a good catch-all card for all expenses.
I already have the Chase Sapphire Preferred, am I good?
So did we. We chose to apply for the Chase Sapphire Reserve, get the bonus points, and then downgrade our Preferred to a no-fee Chase card like the Amazon card (link to post). You could also close your Preferred, but it may affect your credit score.
Do I get charged extra for purchases made abroad?
No, there are no foreign transaction fees on this card and it is our choice for all spending done while out of the United States. Moreover, the FX conversion rates offered are fairly solid and do not gouge you like many banks often do.
Disclaimer: Applying for a credit card can impact your credit score. If you want to talk to us about your specific circumstances, drop us an email and we can talk it through one-on-one.