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Thread: Credit Cards

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    Credit Cards

    Anyone know of a good credit card for point, miles, cash, etc. I've had the same credit card for the last 15 years but am thinking of getting a different one.

    My current point system works like this
    $1=1 point
    25,000 points= $250.00 Check
    So in summary I get 1 cent for every dollar I spend
    No annual fee.

    The purchases are a mix but not a lot of fuel.

    I want to replace it with either another mastercard and I don't want an annual fee. APR is not important to me.


    Any recommendations?



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    Re: Credit Cards

    Discover has some good cash back cards.



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    Re: Credit Cards

    Quote Originally Posted by dmclone View Post
    Anyone know of a good credit card for point, miles, cash, etc. I've had the same credit card for the last 15 years but am thinking of getting a different one.

    My current point system works like this
    $1=1 point
    25,000 points= $250.00 Check
    So in summary I get 1 cent for every dollar I spend
    No annual fee.

    The purchases are a mix but not a lot of fuel.

    I want to replace it with either another mastercard and I don't want an annual fee. APR is not important to me.


    Any recommendations?
    I have been using chase freedom and discover.

    Chase was giving me 3% back on top 3 categories each month, but they recently changed there plan and now do something similar to discover card, which is 5% cash back on specific categories each quarter. Using them in combination, you can get a good portion of your purchases with 5% cash back. No annual fee. So $100 = $5 back. Can cash in for rewards or check, I have always taken the check

    https://www.yourchasefreedom.com/
    http://www.discovercard.com/customer...-calendar.html


    Last edited by BigDISU1; 07-16-2010 at 09:44 AM.

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    Re: Credit Cards

    United Mileage Plus card is awesome! I get 3 miles for every dollar spent on united.com, I get 2 miles for everyday / travel purchases (groceries, gas, restaurants, hotels), and I get 1 mile for everything else.

    When I trade in my miles for airline tix, I usually get between 1.2 cents and 1.8 cents per mile used. I travel all the time though, so having the extra miles in my account for 'Status' really helps too!!



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    Re: Credit Cards

    I have a Chase Sapphire Visa. I really don't know how it is any different than the Chase Freedom. I had Chase Freedom for years and they switched me to Sapphire. I use it strictly for the rewards.

    I get one point per dollar on normal transactions. Three points per dollar for fuel, grocery, and fast food purchases and various bonus points for using certain retailers. You can get a $50 check every 5,000 points and sometimes they offer special deals on giftcards from places like Lowe's where you can get a $100 gift card for 8,000 points (instead of the usual 10,000 points).

    No annual fee. No idea what the APR is, I don't carry a balance.

    I have also thought about looking into Expedia's Citibank card because we use them for most travel stuff.



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    Re: Credit Cards

    Quote Originally Posted by ianoconnor View Post
    Discover has some good cash back cards.
    Yeah, but then you have to use Discover....



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    Re: Credit Cards

    Chase Freedom IMO is the best rewards card out there. Get 5% Cash Back you can really maximize the cash back sometimes too. Just this year they've had promotional times where you can get 5% back on things like gas, home improvement, hotels, travel, groceries, etc. and they sometimes have even better promotions with certain stores if you buy there or online or something. At the very minimum you get 1% back on everything but I use my CC for about any purchase I can make with it and rack up the cash back pretty quickly.


    Go Cubs Go!

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    Re: Credit Cards

    Quote Originally Posted by azn4cy View Post
    Yeah, but then you have to use Discover....
    soooooo very true!!!

    FYI, get off credit cards. Going all cash was the best thing wife and I every did.


    The one constant through all the years, Ray, has been baseball. America has rolled by like an army of steamrollers. It has been erased like a blackboard, rebuilt and erased again. But baseball has marked the time. This field, this game: it's a part of our past, Ray. It reminds of us of all that once was good and it could be again. Oh... people will come Ray. People will most definitely come.

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    Re: Credit Cards

    Quote Originally Posted by thatguy View Post
    soooooo very true!!!

    FYI, get off credit cards. Going all cash was the best thing wife and I every did.
    i don't see the point in that...

    i put everything I buy on the credit card when possible, and pay it off every month. doesn't cost you anything, and should net you at least 1% cashback on everything you buy



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    Re: Credit Cards

    Carrying around that much cash is not a good idea. If you lose your wallet, you are screwed. If you lose a credit card, just call and cancel it. As long as you are fiscally responsible, having a credit card is a great thing.


    Last edited by ianoconnor; 07-16-2010 at 10:32 AM.

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    Re: Credit Cards

    Quote Originally Posted by ianoconnor View Post
    Carrying around that much cash is not a good idea. If you lose your wallet, you are screwed. If you lose a credit card, just call and cancel it. As long as you are fiscally responsible, having a credit card is a great thing.
    Agree. I do the no balance thing too.

    I was just giving you crap about Discover. I know it's fairly prevalent.



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    Re: Credit Cards

    Quote Originally Posted by JY07 View Post
    i don't see the point in that...

    i put everything I buy on the credit card when possible, and pay it off every month. doesn't cost you anything, and should net you at least 1% cashback on everything you buy
    BC you are still paying with stuff on credit. Use CC to get your credit in the mid 700's then get rid of them all, except one so your credit rating doesn't go down.


    The one constant through all the years, Ray, has been baseball. America has rolled by like an army of steamrollers. It has been erased like a blackboard, rebuilt and erased again. But baseball has marked the time. This field, this game: it's a part of our past, Ray. It reminds of us of all that once was good and it could be again. Oh... people will come Ray. People will most definitely come.

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    Re: Credit Cards

    You can't beat the Alaska Airlines Visa Card. For 25,000 miles you earn a round trip ticket. Alaska Airlines flies to Alaska, Hawaii, most Mexican resorts and most locations in the the western U.S.


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    Re: Credit Cards

    Quote Originally Posted by ianoconnor View Post
    Carrying around that much cash is not a good idea. If you lose your wallet, you are screwed. If you lose a credit card, just call and cancel it. As long as you are fiscally responsible, having a credit card is a great thing.

    And Discover is actually pretty widely accepted.
    I'm not physically caring around 100 dollar bills. Several years ago my bank came up with these things called debit cards. Marvelous idea. What they are, is a direct line to your checking account. The card is plastic, but it has a magnet on the back that when you run it through a special machine sends binary code to a computer at my bank, either by messenger pigeon or small rodent, that automatically deducts money from my checking account.
    What will they think off next.


    The one constant through all the years, Ray, has been baseball. America has rolled by like an army of steamrollers. It has been erased like a blackboard, rebuilt and erased again. But baseball has marked the time. This field, this game: it's a part of our past, Ray. It reminds of us of all that once was good and it could be again. Oh... people will come Ray. People will most definitely come.

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    Re: Credit Cards

    Quote Originally Posted by thatguy View Post
    I'm not physically caring around 100 dollar bills. Several years ago my bank came up with these things called debit cards. Marvelous idea. What they are, is a direct line to your checking account. The card is plastic, but it has a magnet on the back that when you run it through a special machine sends binary code to a computer at my bank, either by messenger pigeon or small rodent, that automatically deducts money from my checking account.
    What will they think off next.
    And you can use a credit card in the exact same manner AND build your credit at the same time (plus cash back). Unless you don't have the self control to not spend above your means, there is really no reason to use a debit card instead of a credit card.



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