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Dec 30th, 2023
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 Re: Let's talk Credit Cards
[Re: grandpa75672]
#12633892
02/18/18 03:34 PM
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Joined: Nov 2003
Posts: 10,380
barndoor
TFF Guru
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TFF Guru
Joined: Nov 2003
Posts: 10,380 |
Aren't you just getting back some overcharged interest on cash back cards? Not necessarily. If you pay it off in full before the billing cycle end, then no interest. They calculate the interest on the balance owed at the end of the billing cycle. No Balance = No Interest
Last edited by barndoor; 02/18/18 03:35 PM.
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Re: Let's talk Credit Cards
[Re: Spiderman]
#12633899
02/18/18 03:37 PM
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Joined: Jun 2017
Posts: 983
MyGreenOutdoors
Pro Angler
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Pro Angler
Joined: Jun 2017
Posts: 983 |
Best currently is Alliant Credit union Visa Signature offering 3% back on every transaction.
Credit cards can be the Devil if your not careful with them.
But there are some good ones out there, especially if you travel allot for work & turn in a expense account to get reimbursed by the Company. If you know you are going to spend substantial amounts each year & don't carry any balances, this may help you out.
Best is Citibank 2% cash back rewards card. That means for every $1,000.00 you spend they give you $20.00.
Credit Score is probably going to be way up there for this one. Little risk for them but a nice Reward for the user.
Capitol One has one that pays 1.5% cash back, but offer $150.00 incentive if you spend $500.00 in the 1st 3 months after you receive it. It is with MasterCard.
Chase Freedom Unlimited also has a Visa card that is 1.5% with $150.00 if you spend $500.00 in 3 months.
All the things no one told me when I was young.
But I have gotten 1% cash back on my primary Credit card, a Chase Visa since 1992....lol.
Best currently is actually Alliant Credit unions Visa Signature offering 3% back on every transaction. SPG card from Amex is a nice reward card for travel. Visa Signature from Fidelity is 2% cashback on everything The game is sign up bonuses though- Something like Ink Business is offering 80k pts after 5k spend which translates into 80k southwest pts or a couple roundtrip flights down to Mexico.
![[Linked Image]](https://cdn3.bigcommerce.com/s-ktouu2lc/product_images/newmc04m0a_mygreen_1473310752__56502.jpg) Marine Navigation, Boat Outfitting, Marine Electronics and Outdoor Gear Kevin@MyGreenOutdoors.com | p: (800) 305-2726
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Re: Let's talk Credit Cards
[Re: Spiderman]
#12633958
02/18/18 04:21 PM
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Joined: May 2008
Posts: 3,815
donothin
TFF Team Angler
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TFF Team Angler
Joined: May 2008
Posts: 3,815 |
I have a Cabela's card with approximate $600 credits but everything is so overpriced with them, I can't find a place to use them. Pay off the card monthly and have since having it.
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Re: Let's talk Credit Cards
[Re: donothin]
#12634052
02/18/18 05:42 PM
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Joined: Aug 2015
Posts: 3,952
Pintail711
TFF Team Angler
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TFF Team Angler
Joined: Aug 2015
Posts: 3,952 |
I have a Cabela's card with approximate $600 credits but everything is so overpriced with them, I can't find a place to use them. Pay off the card monthly and have since having it. Me too.
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Re: Let's talk Credit Cards
[Re: elcoyote, esq.]
#12634178
02/18/18 07:35 PM
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Joined: Jul 2007
Posts: 7,154
opus
TFF Celebrity
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TFF Celebrity
Joined: Jul 2007
Posts: 7,154 |
We have a Southwest Airlines rapid rewards card. We pay everything other than the mortgage on that and write 1 check per month to pay it off. We’ve only had it for a year, and have more than enough points to fly to Cabo this fall, Colorado next winter, and might even sneak in a Boston trip this spring. /\this we go to Cancun & Cabo 3 or 4 times a year
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Re: Let's talk Credit Cards
[Re: Spiderman]
#12634197
02/18/18 07:48 PM
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Joined: Feb 2005
Posts: 4,706
Big Possum
TFF Team Angler
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TFF Team Angler
Joined: Feb 2005
Posts: 4,706 |
I have Paypal mastercard...2% cash back on every purchase...I pay off every month.
I'm going to check on paying monthly bills next.
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Re: Let's talk Credit Cards
[Re: boocat]
#12634211
02/18/18 07:58 PM
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Joined: Nov 2002
Posts: 54,418
RayBob
Super Freak
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Super Freak
Joined: Nov 2002
Posts: 54,418 |
I have a plain Chase freedom. Use the card for 99% of all daily living expenses, gas, groceries so on. Pay it off in full every month. This. Flying the family (5) to Canada this year with a 2 week car rental while there. All on my Citibank Thankyou Rewards which I've had for about 15 years. I've gotten a lot of hotel stays and airline tickets with it over the years. It's just like free money (which is hard to come by these days).
Advice? Wise men don't need it. Fools won't heed it.
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Re: Let's talk Credit Cards
[Re: Big Possum]
#12634213
02/18/18 07:59 PM
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Joined: Nov 2002
Posts: 54,418
RayBob
Super Freak
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Super Freak
Joined: Nov 2002
Posts: 54,418 |
I have Paypal mastercard...2% cash back on every purchase...I pay off every month.
I'm going to check on paying monthly bills next. Some monthly bills will work but most won't.
Advice? Wise men don't need it. Fools won't heed it.
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Re: Let's talk Credit Cards
[Re: Spiderman]
#12634245
02/18/18 08:52 PM
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Joined: Nov 2009
Posts: 39,346
Dan90210 ☮
Jr Deputy Dan
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Jr Deputy Dan
Joined: Nov 2009
Posts: 39,346 |
Citi American Airlines Advantage is great if you fly even occasionally.
Free bag if you are a cardholder. For you AND a guest.
That's $50 off on a solo round trip. $100 if it's you and the wife flying . Again even if you only fly a handful of times a year it's worth it.
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Re: Let's talk Credit Cards
[Re: RedRanger]
#12634251
02/18/18 08:54 PM
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Joined: Nov 2009
Posts: 39,346
Dan90210 ☮
Jr Deputy Dan
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Jr Deputy Dan
Joined: Nov 2009
Posts: 39,346 |
Credit Cards are mafia based type of company. Let me take 3% of your revenue per year, and call it legal.
Credit Cards have become so mainstream that last 10 years, you can even buy fast food with them.
There is a heck of a lot of expense associated with running a credit card company. You think Merchants should benefit from that without having to pay anything for using the service?
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Re: Let's talk Credit Cards
[Re: Dan90210 ☮]
#12634367
02/18/18 10:39 PM
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Joined: Aug 2003
Posts: 30,318
RedRanger
burro desagradable
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burro desagradable
Joined: Aug 2003
Posts: 30,318 |
Credit Cards are mafia based type of company. Let me take 3% of your revenue per year, and call it legal.
Credit Cards have become so mainstream that last 10 years, you can even buy fast food with them.
There is a heck of a lot of expense associated with running a credit card company. You think Merchants should benefit from that without having to pay anything for using the service? Credit Card companies are not needed for a business. The credit card companies have gotten the American consumer hooked on using credit cards and not cash. It would be nice to see credit card companies to go away in the future, some other type of remittance service that doesn't charge so much to the business.
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Re: Let's talk Credit Cards
[Re: Spiderman]
#12634422
02/18/18 11:42 PM
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Joined: Dec 2011
Posts: 8,966
H.Town_paddler
TFF Celebrity
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TFF Celebrity
Joined: Dec 2011
Posts: 8,966 |
Nerdwallet.com is a useful tool for picking a CC. You can search by what is important to you. I use the Chase Saphire Preffered card bc they have had it listed as the best overall card for rewards for a few years. 1% on all purchase, 2% on travel (flights, hotel, cars). One thing i really like is I can get cash back if I want but I can also transfer points 1:1 to all major airlines or hotels. I expense about $75k a year in travel for work and have all my bills I can attached to it. I try my best to save the points for later use. Also if you book travel through the card they add 25% to your points balance.
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Re: Let's talk Credit Cards
[Re: Spiderman]
#12634466
02/19/18 12:25 AM
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Joined: Jan 2007
Posts: 1,588
kcb
Extreme Angler
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Extreme Angler
Joined: Jan 2007
Posts: 1,588 |
I picked the Bank of America Cash Rewards card. 3% on gas, 2% on grocery stores and 1% on all else. $150 bonus when you sign up & if you're a preferred member the rewards you earn get a 25-75% mutilplier. I think you have to have a Merrill Lynch account for that. Also it's 0% for the first 12 months you have it. Seemed like a pretty deal.
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Re: Let's talk Credit Cards
[Re: Dan90210 ☮]
#12634489
02/19/18 12:42 AM
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Joined: Jan 2006
Posts: 32,920
Scagnetti
TFF Guru
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TFF Guru
Joined: Jan 2006
Posts: 32,920 |
Citi American Airlines Advantage is great if you fly even occasionally.
Free bag if you are a cardholder. For you AND a guest.
That's $50 off on a solo round trip. $100 if it's you and the wife flying . Again even if you only fly a handful of times a year it's worth it. The free bag alone on two trips pays for my annual card fee
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Re: Let's talk Credit Cards
[Re: Spiderman]
#12634523
02/19/18 01:07 AM
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Joined: Nov 2011
Posts: 7,075
beartrap
TFF Celebrity
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TFF Celebrity
Joined: Nov 2011
Posts: 7,075 |
I've got American express blue cash preferred card...it gives me back 6% on groceries up to $6,000.00 then 1% after that,3% on gas and 1% on everything else......we charge almost all of our monthly expenses on this card and our rebate averages around $75.00 per month...
as several people have mentioned,pay off the balance every month or those bloodsuckers will get in your pocket big time...
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