Celebrating 10 years! 2007-2017

Credit Cards -- any good ones?

I use an Amazon card at Amazon because its 5% cash back. superttthero01/04/19
Fidelity has a 2% cash back card. I also like hotel affinity bcls01/04/19
Discover is really cutting back on perks, but I highly recom walkingparadox01/04/19
I use the Citi Doublecash for 2%. I sign up for rewards car chicagoloser01/04/19
Vohod? bigwags01/05/19
No. Or at least, I don't think so. I'm pretty sure tha wutwutwut01/10/19
Moving stuff around is a hassle. What made me start thinking superttthero01/09/19
Amex platinum pays for itself if you travel a lot. I have captain01/09/19
I agree with you on Amex Plat, but he said everyday purchase walkingparadox01/10/19
I use the Chase Sapphire Reserve. Got it with 100,000 rewar kickflipninja01/10/19
I heard that priority pass often doesn't work. Any problems captain01/18/19
It's not accepted at every single airport lounge, but there kickflipninja01/18/19
USAA cashback rewards plus. 5% on gas and any military base flyer1401/10/19
There is only one credited answer for JDU posters: https: therewillbeblood01/18/19
Chase Sapphire Reserve is the credited choice among the loca cocksman01/18/19
I like the chase sapphire preferred card. Got my 50,000 poi gladigotaphdinstead01/18/19
superttthero (Jan 4, 2019 - 3:10 pm)

I use an Amazon card at Amazon because its 5% cash back.

What's the best reward someone's seen for regular purchases?

Reply
bcls (Jan 4, 2019 - 3:19 pm)

Fidelity has a 2% cash back card. I also like hotel affinity cards. I have Hilton Choice IHG Hyatt Wyndham.

Reply
walkingparadox (Jan 4, 2019 - 3:45 pm)

Discover is really cutting back on perks, but I highly recommend them. They double your cashback at the end of the 1st year. This turns the 5% categories into 10%, and the 1% on everything else into 2%. Other than clicking to "activate" the rewards, there aren't any tricks to it.

The 5% is up to $1,500 each quarter. Their calendar this year:

Q1 - Grocery Stores
Q2 - Gas Stations, Uber, Lyft
Q3 - Restaurants
Q4 - Amazon

I've only had two places that didn't accept Discover in the past few years I've had them. One was a regional restaurant chain, and the other was a mom and pop store.

They used to have Discover Deals where you could get discounts going through their links to websites. Bestbuy, Nike, etc., and you could earn 5%, 10%, 15% (sometimes) cashback which also would have been doubled. Unfortunately that is gone.

Another perk is that you can use your rewards for gift cards (some are electronic), where you get at least another $5 thrown in, often $10, in exchange for your cashback. $40 will get you a $50 gift card.

I don't think it can be beat for the first year. Their customer service is great. There is no fee to have the card. After that, it is a lot less useful and I'd recommend phasing it out aside from the 5% categories. It depends how much you care about juggling cards and managing accounts.

Also, get a friend referral for a free $50 for you and your friend. Due to the double cashback, it is $100 for you. It offsets the fact there is no sign up bonus.

Reply
chicagoloser (Jan 4, 2019 - 3:30 pm)

I use the Citi Doublecash for 2%. I sign up for rewards cards about 5 times a year, netting about $200 each in initial cash-back bonus.

Reply
bigwags (Jan 5, 2019 - 11:57 am)

Vohod?



Reply
wutwutwut (Jan 10, 2019 - 4:15 pm)

No. Or at least, I don't think so.


I'm pretty sure that's Dave Ramsey.

Reply
superttthero (Jan 9, 2019 - 3:31 pm)

Moving stuff around is a hassle. What made me start thinking about this was that the credit card we use for everything keeps getting spoofed and then its a pain to change it everywhere where it's automated.

Applied and got the following:

- AAdvantage for POS purchases (current card--this is the one I expect will get fraud alerts)
- Fidelity 2% cash back for all recurring online payments (hulu, kids' day care, donations)
- Amazon credit card 5% cash back at Amazon for all amazon purchases.

Reply
captain (Jan 9, 2019 - 11:03 pm)

Amex platinum pays for itself if you travel a lot.

I have alaska card. being in the Nw it's pretty nice, get about 3 free flights a year, including the companion fare.

Reply
walkingparadox (Jan 10, 2019 - 2:04 pm)

I agree with you on Amex Plat, but he said everyday purchases.

Plus, if he was going to do Amex I'd recommend end of the year to get the travel credit twice within the first year of signup. $200 in the fall, then $200 again once the calendar turns.

If used right, that card is great. Most people don't use it correctly or take advantage of all the perks.

Reply
kickflipninja (Jan 10, 2019 - 3:50 pm)

I use the Chase Sapphire Reserve. Got it with 100,000 rewards points after first $3K initial spend. Has 3x points for travel and gives a $300 annual travel credit. All points are valued at 1.5x if redeemed for travel through the Chase rewards portal. Also, you get Priority Pass for access to airport lounges.

Reply
captain (Jan 18, 2019 - 1:55 am)

I heard that priority pass often doesn't work. Any problems using it when traveling?

Reply
kickflipninja (Jan 18, 2019 - 8:34 am)

It's not accepted at every single airport lounge, but there are often multiple lounges at each airport for which Priority Pass works. You just have to check in advance which loungers accept it.

Reply
flyer14 (Jan 10, 2019 - 4:49 pm)

USAA cashback rewards plus. 5% on gas and any military base purchase year round. 2-3% on some other things, 1% on everything else. Cash back gets automatically put in my checking account once a month.

Reply
therewillbeblood (Jan 18, 2019 - 1:35 pm)

There is only one credited answer for JDU posters:

https://www.youtube.com/watch?v=v6FQNPmJFLs

Reply
cocksman (Jan 18, 2019 - 9:11 pm)

Chase Sapphire Reserve is the credited choice among the local tech bros. Everyone has it.

Reply
gladigotaphdinstead (Jan 18, 2019 - 9:38 pm)

I like the chase sapphire preferred card. Got my 50,000 points right away after spending 4K. Used that plus the other 8k points I had already earned for $750 on airfare.

Reply
Post a message in this thread