(Closed) Choosing a Credit Card – Do you have one of these?

posted 6 years ago in The Lounge
  • poll:
    I have a Citi ThankYou Preferred and I like it. : (6 votes)
    20 %
    I have a Discover It and I llike it. : (7 votes)
    23 %
    I have a Barclaycard Rewards and I llike it. : (1 votes)
    3 %
    I have a Citi ThankYou Preferred and I dislike it. : (0 votes)
    I havea Discover It and I dislike it. : (2 votes)
    7 %
    I have a Barclaycard Rewards and I dislike it. : (0 votes)
    I recommend a different card - comment below. : (8 votes)
    27 %
    Other? : (6 votes)
    20 %
  • Post # 17
    Member
    15002 posts
    Honey Beekeeper
    • Wedding: June 2011

    @IzzyBear:  @KateByDesign:   Blue Cash boasts *up to* 5% back on everyday purchases, but only after you spend $6500 in the calendar year.  The first $6500 is only 1% so unless you spend a lot more than that on the card, it may not be worth it. 

    Post # 18
    Member
    1798 posts
    Buzzing bee

    I have the Discover It card, and I think it is a pretty decent credit card! My SO and I have a joint account for the card, and it was a lot easier to set that up than to try and set one up through Capital One or even our bank. I’m kind of a spend a few bucks then pay it off kind of person when it comes to credit cards, so I’ve never had to deal with a  lot of interest or any late fees, but when I have had to contact Discover they have always been helpful. I also like their rewards system. They offer a lot of different options for your rewards. I just realized that I can cash out my rewards for giftcards to so many different places. For example, if you have $45 in rewards you can get a $50 gift certificate to tons of popular restaurants and stores. The only downside is that I think you have to have at least $45 in rewards points to do anything with them. On my Capital One card I can cash out any amount of points, but that’s not the case for Discover.

    Post # 19
    Member
    2023 posts
    Buzzing bee
    • Wedding: September 2013

    @LadyBear:  I have Citi and Discover. I only got my discover to transfer my balance so I could pay it off without interest so I dont have much experience with discover. But I do like my Citi card.  It give you like 10,000 points from the get go.  I just turned in a few points for some gift cards.

    Post # 20
    Member
    6107 posts
    Bee Keeper
    • Wedding: October 2013

    @KateByDesign:  I’m honestly not that familiar with the differences. I just know my husband got one (while we were just dating) and the rewards were great. So then I got one too. You can use the cash rewards towards tons of things including gift cards. It’s not those crappy rewards were you get a discount on stuff. You get the full amount. Every year we use our rewards to buy our family Christmas gifts. This year I had close to $200 and he had over $200 so we used them to get gift cards for everyone. And they’re good gift cards to places that people would actually use (Lowes, BBB, Omaha Steaks, etc). FYI, I use my credit card for everything and just pay off the balance every month so that’s how we get so many reward dollars.

    @pinkshoes:  almost every card I’ve seen is only like 1% on everyday purchases and like 2-3% on gas/groceries. AMEX Blue Cash is just like those.

    Post # 21
    Member
    3941 posts
    Honey bee
    • Wedding: October 2011

    @jesssamesssa:   I have the Citi card too but am so confused because I thought the only way to redeem your points was to “bid” on the gift cards….I’ve done it a million times and have never won!

    Post # 22
    Member
    2023 posts
    Buzzing bee
    • Wedding: September 2013

    @KateByDesign:  I have never bid?  I just click thank you rewards and it pulls up all rewards and I click the amount I want and then buy.  It subtracts the point value and mails me the gift card in a few weeks.

    Post # 23
    Member
    3697 posts
    Sugar bee
    • Wedding: May 2012

    We have:

    Chase Freedom (VISA) that we use for the 5% categories

    Costco Rewards (AMEX) that we use for Costco, gas when it’s not 5% on Visa, eating out (2%), and travel (2%)

    Capital One (MC) that we use for everyday stuff and international travel, since everything is 1.5% cashback and there are no international fees. 

     

    Post # 24
    Member
    15002 posts
    Honey Beekeeper
    • Wedding: June 2011

    @IzzyBear:  hm, look like it could be.  their site is not clear.  On one site they say:

    but the on another they say:

    Post # 25
    Member
    953 posts
    Busy bee

    I have a Bank of America Cash Rewards credit card. I’m happy with it.

    Post # 27
    Member
    1542 posts
    Bumble bee
    • Wedding: June 2013

    See if I were you I’d get another chase freedom because you can choose to combine the points from both cards if you want.

    Although make sure you pay it off every month and don’t earn interest or it defeats the purpose of earning points.

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