[BFinlay]

Hi,
I'm a long time reader and wanted to ask the 'experts' for advice.

I'm a 16year old FF-savvy student who is looking to make the most out of my somewhat limited income. Looking for a credit card that has a relatively low annual fee and at least 1 QFpoint / $1.

I don't care about interest rates as they probably won't affect me (due to low spending) but am interested in sign up bonuses.

If it’s Visa/Mastercard looking for 1 QFpoint / $1 and for Amex would prefer higher point earning rate.

As one of my parents is a Chartered Accountant the cost of a Gold credit card (1 QFpoint / $1) is zilch for the card and one supplementary, however, there are no sign-on bonuses and if your going to bother with an Amex you'd want higher point earning capabilities. Alternatively there is the Platinum credit card (1.5 QFpoint / $1) for $200 ($100 off) w/supplementary free; however, I wouldn’t be eligible for most of the benefits on the card as a supplementary.

I'm not really interested in the "free QF domestic flight" UNLESS its: a) transferable OR b) I can pay to upgrade the fare to supersaver/flexisaver that is point earning and upgradeable.

I really appreciate your advice. Thanks!

By the way, I'm not a silver spoon brat, just looking for an easy way to manage transactions/paying back parents while earning points.