Post # 1
Do you have a credit card with some type of rewards attached, airline miles, cash rebates? What type of card and has it been easy to redeem the rewards?
My job recently made the switch to a different pay cycle and so I’ve just been charging things and paying them off (plus I have like $200 a month worth of things I get reimbursed for) and so I figured I should be able take advantage of that!
Thanks in advance!
Post # 3
I have a southwest credit card. It was ideal when I was in college, because I grew up in south Houston and went to school in New Orleans. Southwest only serves hobby in Houston, so really close to my home. You get 1 point for every dollar spent, and 2 points for every dollar spent on Southwest. The points are easy to redeem for flights and very fair. You get charged $79 a year I think, but you’re also gifted points on your anniversary that corresponds to more points than you’re charged if that makes sense.
Post # 4
Commenting to follow, cause I’ve been shopping around for a CC too!
Post # 5
I think the best thing for you to do is determine what kind of reward you want, and then get the best you can find with that reward.
Since you aren’t in Canada, my credit cards won’t be available to you. But our joint card gives us 2% cash back on groceries and 1% cash back on everything else. It was the best we could find for cash back.
For my personal credit card I wanted air miles. So I found one with a decent deal (they were all very similar) and I waited until they offered a promotion. With the application I got bonus 600 air miles.
Shop around for the best of the reward you want! Both my cards are free annually as well. I didn’t want to pay for them.
Post # 6
I use Chase Freedom – you can redeem points for cash, gift cards, or merchandise. It’s very easy to use and very easy to redeem! You get 1% back on everything and every quarter has 3 stores/categories that you get 5% back on.
Post # 7
@dancingriss: I have the same one, make sure to wait for the 50k bonus miles offer one that surfaces every coupole of months, but I thi you have to spend 3k on it in the first 3 months. Some of them have $59 fee yearly, others $79. I dont know how they determine it, but regardless they give you points that are aniut equal to the dollar worth. Also, since Southwest recently bought AirTran, you can convert your points over and fly to places like Montego Bay!
Post # 8
@LadyBear: +1 for Chase Freedom. The special quarters with 5% back are really nice. Next quarter is 5% back on Amazon purchases and as an Amazon Prime user, I’m counting down the days until I can start abusing that one 🙂
Post # 9
@LadyBear: @bleusteel: This was the one that is sticking out to me the most, so that’s good to hear. How do you guys feel about the interest rate on the card (I know that varies per person, etc.). Most likely I’d be doing a balance transfer from a card that has a horrible rate.
I just checked out Target’s card and I thought the Visa credit card version of the Red card would have more perks but it is the same as the debit version. That was kind of disappointing!
Post # 10
These are my regular cards:
Bank of America Cash Rewards: 3% gas, 2% pharmacy/grocery, and 1% all other. Bonus 10% on cash back if you transfer the cash back directly to a Bofa account.
Chase Freedom/Citi Dividends: 1%, but they have good 5% rotating categories
Discover: Same as as Chase, 1% cash back, 5% rotating categories, no foreign exchange fee for overseas travel
United explorer Visa: 50k bonus (2 domestic round trips), no foreign fees. No fee first year.
Post # 11
@Mrs.Mittens: When I got my Chase card, they had a deal for 0% interest on balance transfers for the first 6 months. I’m not sure if they have the same deal now, but it’s worth looking into. Their rates overall seem pretty on par with the other credit cards I carry.
Post # 12
My husband loves his Amazon card. He racks up points all the time so he can order books and other things he’s been eyeing up.http://www.amazon.com/gp/cobrandcard/marketing.html/ref=footer_cbcc?ie=UTF8&place=camp&plattr=CBFOOT&pr=con321
Post # 13
I have a Chase Freedom card, and together we have a Capital One rewards one (hoping to get honeymoon flights with points!)
We used this website to decide: http://www.nerdwallet.com/credit-cards/
Post # 14
- Wedding: September 2015 - North NJ
In my opinion, nothing is better than American Express. They extend the warranty, for free, on anything you buy. Best Buy only gives you a 1 year warranty on a computer? No problem, buy it with your Amex, and its now 2 year warranty! Also, If anything breaks, they replace it. My $500 cell phone broke after a year. Amex gave me a $500 statement credit, no questions asked.
They are SUPER responsive to tweets on twitter, so it is very fast way to get customer service help (or calling them). I have the Blue Cash Everyday card, and get 3% back on groceries and gas, but they have many other cards that may suit you better.
Just for the benefit of returns and warranties, I will never use another brand again.
Post # 15
We are avid AAdvantage card users. We are “super milers” and rotate through each having all types of AAdvantage cards (visa, mastercard, gold, platinum, american express, business, etc) every 18 months so that we accrue the 40,000 and 50,000 signing bonuses. We also use the AAdvantage eshopping mall to get mileage multipliers for online purchases. We have flown first class all over the world (New Zealand, Australia, China, Argentina, South Africa, and on and on) for free (well, for the $5 charge for using the miles) over the last few years.
The card also gives you priority boarding, free checked bags, a discount on inflight purchases, and other perks.
We still have credit scores over 800 despite doing this – it’s amazing!
Post # 16
We like air miles and cash back cards.