(Closed) Best rewards credit card?

posted 6 years ago in Money
Post # 3
3886 posts
Honey bee
  • Wedding: September 2011

How much money do you expect to run through it in the course of a year and how often are you traveling already?

Post # 5
5977 posts
Bee Keeper

It’s not rewards for vacations, but I love my cashback Discovercard. They have different percentages for different things each quarter. So like for this quarter, you get 5% back on gas and groceries, while another you get 5% back for restaurant purchases. I use mine so much that I get a good chunk of change back at the end of each statement. And I save it for Christmas :o) 

Post # 6
5475 posts
Bee Keeper
  • Wedding: August 2012

I have a Chase cash back card.  It seems to work similarly to 2Peas’ Discover card in that I get 5% on certain categories, but I get 1% on every purchase as well.  I use mine for just about everything all month, then I pay it all the way off every single month.  I have not paid interest to the lovely folks at Chase yet!

Post # 7
1427 posts
Bumble bee
  • Wedding: November 1999

we have a few diff ones, since we eat out a LOT we use the citi forward card that gives back 5% on entertainment and eating out.

we have a diff one that we put everything else on.


Post # 8
3886 posts
Honey bee
  • Wedding: September 2011

My opinion is that Amex Platinum is the very best if you are already traveling a fair bit. It has a steep annual fee– $475— but it also gets you complimentary access to a long list of airline lounges in airports, which not only are a nice place to wait for your flight, but absolutely invaluable when things go wrong. Those lounge attendants can have you reticketed and on your way in the snowstorm in a jiffy and usually have WAY shorter queues than the regular customer service desk. It also gets you a few perks at various hotel chains, depending on who they are currently doing a promo with (like not too long ago, you got free Starwood gold status which gets you free breakfast and free internet at any Starwood).  

Amex points are not super valuable when you redeem directly for airfare or hotel– you basically get one penny per point when you use your points that way– but they transfer without fee to a whole bunch of airlines and hotels which makes them really valuable. 100,000 Amex points when used as airfare credit gets you $1000.00 off your flights, but when transferred to Virgin Atlantic points those same 100k Amex get you enough Virgin points for a free business class ticket to Europe.  Which is worth WAY more than $1000 in my book. Same for hotels.

Amex Platinum also gives you $200 in statement credits when you use the card to buy “travel incidentals’ like baggage fees or inflight food, personally we usually struggle to spend that money so I don’t count that as much of a perk though.  And they rebate you the cost of Global Entry which we LOVE, it is a trusted traveller progam that lets you use a kiosk to do your customs/immigration paperwork when returning to the US from abroad rather than waiting in the line to have a person stamp your passport— usually saves us 45 minutes per trip coming home.  Don’t bother factoring in their “two for one’ business class fares, because they are really restrictive on where you can go on them and they tend to jack up the price quite a bit too.

If Amex Platinum is too expensive annual fee for you, Amex Gold is a lot cheaper and the points still transfer everywhere, but you don’t get the lounge access or other perks.

Post # 9
10453 posts
Sugar Beekeeper
  • Wedding: February 2014

I have an Aerogold AMEX. Points for every dollar plus 15,000 free for signing up. That’s a free national flight right there!

Post # 10
8472 posts
Bumble Beekeeper
  • Wedding: July 2012

American Express Blue Sky… no annual fee

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