Rewards credit card

posted 2 years ago in Home
Post # 2
12875 posts
Honey Beekeeper
  • Wedding: June 2011

Welcome to Boston!  I was born and raised here and love it!  Will you have a car?  My go to everyday reward card is Bank of America Cash Rewards, 3% gas, 2% grocery and pharmacy and 1% all else.  Citibank dividends & Chase Freedom are also good cards, it’s only tyically 1%, but has rotating quarterly 5% bonus categories.  Discover also has a 5% rotating category as well as merchant cash back as high as 10-15% for places like Macys, Target, Kolhs, etc.  I have 3 or 4 cards and just use whichever has the best reward.

Post # 4
3433 posts
Sugar bee
  • Wedding: July 2012 - The Gables Inn, Santa Rosa, CA

Alaska Airlines Credit Card.  DH and I use it for everything, you get AT LEAST 1 mile for everything you spend, and they always have promotions and things going to earn exrtra miles.  This is very important for us because we live 3000 miles away from almost all of our family, so we use the card for absolutely everything (including paying out utilities, etc.) and then pay it off every week, so we get all the rewards with none of the intesest fees.  Plus, we get a $109 companion fare each year too so we can plan one large/expensive trip each year and cut the airfare in half. 

The mileage is the most important feature for us, so this was the best choice.  But I also have a BofA Cash Rewards card, and I did enjoy that for a while, but I found that I get a lot more bang for my spending with the mileage card as opposed to the cash card.  For example, If I spend $12,500 on my cash back card, I’d get around $250 (averaging 2% back, given that it’s 1-3%) but with my mileage card, I can get a 1 way ticket home which usually costs around $400-600.  PLUS, I earn more miles when I take the flight too.  

Post # 5
225 posts
Helper bee
  • Wedding: July 2013

I can’t say that I’ve shopped around – but I would agree with LauraR ….. I like my BOA cash rewards card 🙂   I like to stockpile my rewards and cash in on the “harder” months — the Christmas bill….etc….

Post # 6
339 posts
Helper bee

Definitely get a Chase Freedom, but I only use that during the 5% periods that work for me (gas, restaurants, etc.)

Post # 7
772 posts
Busy bee
  • Wedding: September 2013

Check out NerdWallet. I have a Capital One Venture card, it’s great for travelling internationally, and I’ve gotten great rewards from it (but I pay it off every month because the interest rate is ridic). My husband has a British Airways Chase, and in addition to the hefty annual fee, he’s spent TONS of money on it and the rewards are impractical and expensive.

Post # 8
277 posts
Helper bee

I have Discover and it’s nice, the cashback at stores are really good if you shop online a lot. My only issue is that a lot of stores don’t take Discover in person which can be a pain.

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