(Closed) Credit Card Input

posted 5 years ago in Money
Post # 3
2571 posts
Sugar bee
  • Wedding: November 2013

@Pearberry:  I have two – the Citi Dividend and the Citi Thank You Preferred. The Dividend offers cash back, while the TYP offers rewards points. The Dividend offers 1% of spending cash back, but has various offers/specials for bonus dollars throughout the year. Same with the TYP, except it’s done in points not dollars. I am sure that there are better deals out there, but these work well for me. 

Post # 4
4370 posts
Honey bee
  • Wedding: September 2012

Chase Freedom, without a doubt!

Good rewards (gift cards, merchandise, or cash back), 1% back on everything, 5% back on rotating categories. 

I’ve had great experiences with their customer service and security (had my card number stolen once and they caught it and fixed it within 24 hours). 

Post # 5
381 posts
Helper bee
  • Wedding: May 2013

We have a Southwest Airlines card. It is serviced through Chase so you get all the perks of being a Chase cardmember 🙂 It is $60 a year but you get a 3,000 point credit each anniversary date. You earn one point per dollar on everything and two points per dollar on Southwest and partner purchases. The cards that are specific to an airline or hotel typically will work out to be a little bit higher than 1% back because you are limited to it just helping you with that airline/hotel. However, we haven’t paid for a flight in years so I’m not complaining 🙂 You need 70 points to make up $1 in flight, so $100 in spending is about $1.40 towards a flight, like I said, better than the 1%. If you are looking into one though I would wait for a special where they offer you 50,000 points to get one. Thats $714 in flights right off the bat!!

Post # 6
173 posts
Blushing bee
  • Wedding: May 2013

@LadyBear:  I’ve had Chase Freedom too for a long time and I’m happy with the flexibilty of the reward points! Every few months they also do extra points in certain categories. 

Post # 7
1582 posts
Bumble bee
  • Wedding: November 1999

@Pearberry:  I love this finance blog called the Simple Dollar. The blogger recently did a four part series on the best credit card depending on the type of reward you would like. You can find all four posts here. http://www.thesimpledollar.com/category/credit-cards/ He is super thorough and reviews each type of card in detail.

ETA: The four categories he reviewed were Best Cash Back Credit Cards, Best Airline Credit Cards, Best Hotel Credit Cards, and Best Reward Credit Cards.

Post # 8
200 posts
Helper bee
  • Wedding: August 2015

I have the Chase Freedom card and I love it, but I am probably not the best person to answer this question. That is the only credit card I have and I have only used my points to get cash back.

That said, SO and I bought a TV on the card and were able to get 10% cash back. If you shop online through the rewards mall you get extra points per dollar. So, we combined the category 5% and the online offer of an additional 5%! I paid the TV off as soon as the charge went through and still got the cash back. 

Post # 9
8041 posts
Bumble Beekeeper
  • Wedding: December 2013

We have Amex platinum. It has a hefty annual fee, but we use it to the max and actually save money using it.

Post # 10
5475 posts
Bee Keeper
  • Wedding: August 2012

I love my Chase card!  I use it all month to get the cash back rewards then pay off the entire balance every month to avoid paying interest.  No annual fee, good customer service, and they often offer discounts on gift cards when you cash in your points (for example:  I have $50 worth of cash back, so I can buy a $15 card to Regal cinemas for only $10 so I spend $50 of cash back money on $70 worth in gift cards)


Post # 11
18637 posts
Honey Beekeeper
  • Wedding: June 2009

I have the Amex Blue Cash but the one I have isn’t offered anymore but it’s my true favorite that I use for pretty much everything. My second favorite is Chase Freedom. We got a few airline cards because of bonuses but we didn’t end up keeping them because we go by least expensive airline not a specific company.

Post # 13
1778 posts
Buzzing bee
  • Wedding: August 2010

Amazon card!  You get 2% back on gas and restaurants, 3% back on Amazon purchases, and 1% on everything else 🙂 

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