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I need a card that's going to be used primarily for groceries, gas, some recurring bills and other home-related purchases (IKEA, K-Mart, etc). I live with my girlfriend, and a separate card that we can both use will simplify our purchases that we split the cost of. I'm unsure what card to apply for.
Here's my quick history: I have been building credit for about 4 years now, previously when I worked full time, but also continuing while I'm a student. I currently have a Wells Fargo Visa card. It has a $2300 limit. I also have a Capital One card, which has a paltry $500 limit (same amount as when I started 2+ years ago). I have never carried a balance on either card, but I do use them regularly for purchases. WF seems to give me credit line increases about once every 6 to 9 months, and Capital One has never offered one.
What cards are good ones to consider? Since we're primarily going to be using this for groceries, gas, and some recurring bills, perhaps a rewards card would be a consideration. I'll also need to get a second card on the same account with her name on it (and yes, I do trust her to be responsible). About the only thing I've eliminated is Amex, since they don't accept it at our most frequented grocery store.
I'm just feeling lost and overwhelmed with the choices, perhaps a little guidance from the Obi-Wans of the finance world would help me out.
Thanks!
Here's my quick history: I have been building credit for about 4 years now, previously when I worked full time, but also continuing while I'm a student. I currently have a Wells Fargo Visa card. It has a $2300 limit. I also have a Capital One card, which has a paltry $500 limit (same amount as when I started 2+ years ago). I have never carried a balance on either card, but I do use them regularly for purchases. WF seems to give me credit line increases about once every 6 to 9 months, and Capital One has never offered one.
What cards are good ones to consider? Since we're primarily going to be using this for groceries, gas, and some recurring bills, perhaps a rewards card would be a consideration. I'll also need to get a second card on the same account with her name on it (and yes, I do trust her to be responsible). About the only thing I've eliminated is Amex, since they don't accept it at our most frequented grocery store.
I'm just feeling lost and overwhelmed with the choices, perhaps a little guidance from the Obi-Wans of the finance world would help me out.
Thanks!
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