Which credit card to get for entering med school?

[3AA]

Hi! Any recommendations for credit cards? So far I've been mainly looking at the UBER card, thanks!

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[sella.turcica]

Amazon Visa.

 

[aldol16]

Get one that gives you a ton of cash back/bonus when you spend several hundred bucks within the first few months.

 

[AsianPersuasion]

I have amazon visa through Chase. I like it.

 

[getdown]

don't get a credit card

 

[ciestar]

The Chase collection (Sapphires, Inks, etc.) is great for starters. My husband and I are points people and have gone on tons of vacations with credit card points. If you need any advice, let me know. Just always be responsible and always pay your bill in full each month.

 

[NotaCop]

PM’d

 

[ndafife]

Get a travel card with whatever airline is a hub near your school. Should be able to save up for a few free flights come residency time

 

[RaidenXVC]

Amazon Visa
Discover Go
Chase Freedom

In that order

 

[RaidenXVC]

Get a travel card with whatever airline is a hub near your school. Should be able to save up for a few free flights come residency time

Most airline cards charge an annual fee of around $75-$100, so if you do get one of these cards make sure you make good use of it.

There is a service that I know of called Plastiq which will charge your credit card and write a check in your name. You can use this for things that you ordinarily would not be able to use your credit card for such as rent or tuition. They do charge a 2.5% fee, so make sure that you do the math to ensure that your return in points/miles is greater than what you are paying in the fee but it can be a good way to rack up free flights quickly.

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[The Knife & Gun Club]

Chase sapphire if you can get it, or the amazon card. If those don’t work, just get a card that does the best possible cash back on things like groceries and gas

 

[ArdorAyurveda]

Get something with cash back and travel rewards. You will think yourself when it's time for residency interviews.

Don't carry a balance, pay it off in full every month, etc.

I don't like annual fees, but that's just me. Often times the cards with annual fees have better rewards.

 

[CLE216]

Citi Double Cash

 

[MerYangBey]

Chase sapphire if you can get it, or the amazon card. If those don’t work, just get a card that does the best possible cash back on things like groceries and gas

I got rejected from the chase Sapphire due to my income debt ratio. Just wondering how med students are getting these cards unless they have an extensive good credit history/and or no debt. Or they’re fabricating income? This isn’t directed at you. I’m mostly curious about how people are getting these rewards cards as med students.

 

[ndafife]

I got rejected from the chase Sapphire due to my income debt ratio. Just wondering how med students are getting these cards unless they have an extensive good credit history/and or no debt. Or they’re fabricating income? This isn’t directed at you. I’m mostly curious about how people are getting these rewards cards as med students.

I had a student credit card through undergrad with no extra benefits (no cashback/miles) for emergencies. So I was able to create some credit history before med school when I applied for a better card

 

[The Knife & Gun Club]

I got rejected from the chase Sapphire due to my income debt ratio. Just wondering how med students are getting these cards unless they have an extensive good credit history/and or no debt. Or they’re fabricating income? This isn’t directed at you. I’m mostly curious about how people are getting these rewards cards as med students.

I worked before med school which helps.

Also you can have a parent co-sign the card with you and it’ll still help build your credit, providing your parents have good credit and are willing to help you out.

Or you can be a trust fund baby. I hear that’s fun.

 

[bornhuman]

don't get a credit card

However, if you must, the Amazon card is just fine. Over the years have had the gamut of cards from the high end, to none. Debit cards are handy and help keep spending to what's available. Be mindful of the interest of the credit cards, and carefully select a no-fee card. As a semi-retired surgeon watched an ex-wife ring up extraordinary balances. Be careful, choose wisely. Of note: For travel, rental cars and such, a credit card is often necessary. I hope you avoid unneeded debt at the start of your career.

MD class of `81
GS

 

[ciestar]

However, if you must, the Amazon card is just fine. Over the years have had the gamut of cards from the high end, to none. Debit cards are handy and help keep spending to what's available. Be mindful of the interest of the credit cards, and carefully select a no-fee card. As a semi-retired surgeon watched an ex-wife ring up extraordinary balances. Be careful, choose wisely. Of note: For travel, rental cars and such, a credit card is often necessary. I hope you avoid unneeded debt at the start of your career.

MD class of `81
GS

Yes! Never book that stuff with a debit card.

 

[MerYangBey]

I worked before med school which helps.

Also you can have a parent co-sign the card with you and it’ll still help build your credit, providing your parents have good credit and are willing to help you out.

Or you can be a trust fund baby. I hear that’s fun.

Lol lol trust fund. That’s cute. I’m poor and the chase sapphire people figured that out. I’ll look into the co-sign thing thanks!