Post # 17
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
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
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
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.
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
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
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
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
hm, look like it could be. their site is not clear. On one site
but the on another they say:
Post # 25
I have a Bank of America Cash Rewards credit card. I’m happy with it.
Post # 26
Our Chase Freedom is a joint card for me and my husband – it gets paid out of our joint account.
I want a credit card for my personal purchases (gifts, going out with friends, shopping) that I would pay out of my personal account.
Post # 27
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.