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Credit cards live chat

By Leslie McFadden ·
Monday, December 6, 2010
Posted: 10 am ET

Do you have a question about credit cards, gift cards or holiday budgeting? I'm going to be taking questions during a live Q&A at today at 2 p.m. EST. This event will only last 30 minutes, but I'll do my best to get to each question.

Click here to access the live chat.

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Leslie McFadden
December 08, 2010 at 11:20 am

Natalie, you can find a MasterCard or Visa credit card that does not charge an annual fee. I would suggest looking for a card that allows you to earn cash back or redeem rewards for gift cards. A 1% cash-back rate is standard, so look for a card that offers a higher return for the types of purchases you will be making. Sometimes the purchase categories that have higher returns will change seasonally. For example, the Citi Dividend Platinum Select MasterCard currently offers 5% cash back at department, clothing and electronics stores through the rest of 2010. To compare all of the cash-back credit cards in's database, go here: and search by card type. Select cash back cards.

Natalie Ceja
December 08, 2010 at 10:52 am

I have an AmerXpress card thru Costco and a Discover card thru Sam's Club.
I pay the full amount on each every month. There have been times where I needed a
Mastercard or Visa. I'd like to get one....don't know how to compare rates. I rarely fly or vacation. I never use an ATM. I would like a card that offers points toward purchases in electronics and major stores. In the past I've had a Mastercard or a Visa but never had to pay yearly fees. My questions to you today this time which card is the best and do they all have yearly fees?