Post # 1
We aren’t really credit card people, but we have decided to get a credit card with benefits to rack up some perks while paying for this wedding. We will simply pay for the exenses with the credit card, then pay it off from our savings every month.
Also, we don’t really need air miles because my mom workd for United Airlines and we usually fly standby. But we would love to use some points towards a hotel or honeymoon or something!
Post # 2
I don’t ever redeem for anything but cash/credit posted to my card, but I like Chase Freedom’s 5% cash back categories. I only use it when I get the 5% back, but it’s great for gas and shopping during the holidays.
Post # 3
Cashback credit cards are the best. There’s always a use for cash. Other perks depend on you using them frequently enough to benefit without pouring even more money into a particular store or something. And you have to pay it off on time consistently to really come out ahead.
Post # 4
I like my American Express Blue Cash Everyday card. It’s 3% on groceries, 2% on gas, and 1% on everything else. It has no annual fee, but if you get the Preferred one it’s $75 but I believe 6% on groceries. I just went to the website to double check and there’s a promo right now for a free Amazon Prime account and $50 cash back if you spend $1000 in the first 3 months, which is pretty sweet!
Post # 5
edepp2010: What craigslistgirl: said. I just use my cash back card for everything and then pay it off and never carry a balance. I have never paid any interest doing that and usually end up with at least $400-$500 bucks cash at the end of the year.
I don’t think I would ever really utilize any other reward regularly enough to make it work for me, but if you travel a lot, an airline card may work for you. I have a friend that travels a ton and does get quite a bit in rewards with a southwest card. Since that isn’t you, maybe there is a similar one through Expedia or orbitz for hotels.
Post # 6
I love the Capital One Venture card. My husband and I each have one, and we put every purchase on it and pay it off each month. We never carry a balance. We’ve used the points earned towards hotels and airfares.
Post # 7
- Wedding: August 2014 - Forest in PA
I use the Chase Freedom Card as well and love it! I pay my balance off every month so it’s like getting free money just for using the card!
Post # 8
I love my Visa and Discover cards. I do the exact same thing with them, pay the whole thing off every month while racking up rewards. For my Visa- I get 3% back on gas, 2% on groceries and 1% on everything else. Also the money gets accrued and sent to my bank account rather than paying it back to the card directly for another 10% bonus on the rewards amount. With discover I get 1% back on everything and the rewards directly accrue on Amazon (where I buy everything anyways so it’s perfect).
Post # 9
When DH and I got married we got a Discover card because it’s the only one we could find that still lets people have a truly Joint account (not an auhorized user). I didn’t have a very high opinion of Discover at the time, but I’m a huge fan now. I looooooove their customer service! And I’ve only ever had one snooty NYC restaurant refuse to take it in the year-plus we’ve had it. I even just used it to buy pumpkins on a farm! My AMEX card gets turned down waaaaaaaay more often.
We can use cash back directly on amazon, as PP said, but I also love using it to buy discounted gift cards. I can use $40 cash back to buy a $50 restaurant gift card. So I use my free money to buy even more free money!! lol
That being said – the rewards are 1% on eveything and 5% on rotating categories which is annoying. The one that Samuel Jackson advertizes without the silly rotating categories is probably the best card. I forget which one it is, but I’m sure you can figure it out. The commercials are on all the time.
Post # 10
edepp2010: I like my Capital One Quicksilver card. It earns 1.5% cashback on EVERYTHING, all the time. It also gave me a $100 bonus after i spent $500. No annual fees.
I also LOVE my Chase Disney Visa because it has the lowest interest rate i have ever seen! 14.99% and my SO has the same card and his is 15.6% You get 1% rewards in Disney Dollars (I am a disney freak, so this works for me) you can use at the park, online at disney store, downtown disney or hotel stays at Disney resorts. Also comes with some cool perks inside the park like discounts and private character meet and greets.
Post # 11
We ended up with the Capital One Venture Card, per my in-laws advice. If we spend over $3000 in the first few months (like our venue) we get a 40,000 point bonus. That’s $400 towards our honeymoon hotel, yay!
Post # 12
I’m in Canada and bank with Presidents Choice. I have a credit card, chequing, savings and a mortgage through them. I earn points through all my accounts and the points are redeemed for free groceries. I get at least $1000 of free groceries a year and pay no fees or interest (I never carry a balance on my credit card) it’s a pretty good deal to me. Everyone has to buy groceries and you redeem right at the till so it’s easy.
Post # 13
edepp2010: We have Venture by capital one. You can get gift cards, money, airline ticket, or use the purchase eraser. We have used it faithfully as our “debit card” for the past month or so (?) and we already have one free airline ticket which is amazing
Post # 14
I absolutely love my Amex Blue Cash Preferred. I get 6% back on groceries, 3% on gas, 3% at a bunch of major department stores (including Macy’s, Nordstrom, Bloomingdale’s, Saks, NM, Century 21), and then 1% cash back on everything else. It’s $75 a year but it more than pays for itself.
Post # 15
edepp2010: I have a MasterCard through USAA bank. it is only a 9% interest rate which is amazing compared to others I’ve had in the past with 1% back on everything and rotating specials.