Credit Cards

[AGDee]

I'd figure out something you'd use a lot and get a rewards card that gives you points toward that. My Lowe's Visa was awesomeness when I re-did the bathroom because I used it to pay for everything, paid it off right away (because I had the cash) and got a ton of money in rewards, which were like using gift cards to buy the last minute things for the bathroom. Saved me about $80.00 total. Since you're getting ready to move away from family, an airlines rewards Visa could be an idea.

[Munchkin03]

I'm a huge fan of American Express. I got my first card when I was in college (tiny limit) in part because my parents recommended it.

12 years later, I still have that card, but I also have a Charge Card (where you're required to pay in full each month). I have it set up for Rewards, where virtually everything you buy gives you rewards and, for things like mobile phones, you get double points. I use the rewards points towards my Delta SkyMiles.

The level of consumer protection is fantastic; also, I've been stranded in travel and been able to have AmEx travel services rebook my flights instead of staying on the phone with Delta.

Not all AmEx cards have an annual fee, but the one I mentioned (Green, Gold, or Platinum) do. My friends who have CostCo AmEx cards are also really happy with the rewards.

[christiangirl]

Originally Posted by AGDee

Since you're getting ready to move away from family, an airlines rewards Visa could be an idea.

My classmate has a credit card that her family uses to pay tuition. Since they have the cash, they pay it off right away and use the points to get free plane tickets multiple times a year. She just got back into town yesterday--she flew home for the weekend just because the ticket was there and she could.