CitiBank Double Cash Card

$0 annual fee

13.99-23.99% APR

2% cash back on all purchases

Chase Sapphire Preferred Card

$95 annual fee

15.99-22.99% APR

$1000 Chase Ultimate Rewards bonus after $4000 in purchases and 25% discount on travel booked through Chase

2x rewards on dining out

Platinum Card from American Express

$550 annual fee

15.99-22.99% APR

$1500 bonus value in points after spending $5000 in purchases in 5 months

10x rewards on gas and groceries

Scenario

Credit Card Recommendation 

Detailed Explanation

Scott is a married teacher with 2 kids. He wants to take his family on a European vacation to celebrate college and high school graduations. He uses a credit card for regular monthly purchases and always pays off the balance. 

Yuna needs a new air conditioning system installed in her home. The installer wants a 25% deposit up front, but Yuna doesn't think that is a great idea. She has the cash to pay for it but wants to make sure she's protected from fraud.

Lily was recently a victim of identity theft. Her debit card number was stolen and she lost $3000 out of her checking account. The worst part was that it happened while she was on vacation. She never wants to be in that situation again and would like a credit card she could use for monthly expenses. 

Darius lives in New York City and very rarely cooks in his studio apartment. He eats out frequently and travels periodically for work.