Sanrith Descartes
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5% is pretty unmatched. And it is either cash back or can be used straight to a future Amazon purchase.
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Best Credit Card with Cash Back Rewards
- Thread starter Hatorade
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It's great, it goes into "points" which you can redeem for various gift cards (at 1 point = $.01) , or apply to balance (i.e. cash back), or spend at amazon (also 1pt = $.01).
5% at Amazon (includes at Whole Foods if you also have a Prime membership)
2% at Restaurants and Gas Stations.
1% Everywhere else.
Has a laundry list of other side benefits. (including roadside assistance) and best of all.. $0 annual fee.
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Lets see.
A chase slate edge card for almost everything because they are giving me zero percent for 21 months. I just could not help myself , let them eat the inflation on this zero interest debt for a good two years.
Tractor Supply Card gives 5 percent back and i'll start using it again for that once I'm done with the slate edge. Between tractor supply price matching, giving 5 percent off bulk purchases, and this card, I save a ton of money on my feed bills.
Amazon card for Amazon purchases, gives 5 percent back. Tied to my amazon prime account.
Recently a costco opened up very close to me so I got their membership and card. 4 percent back on gas and their gas is already cheapest (by 20 cents) around by far so looking forward to a lot of gas savings from here on out. ALSO, costco card has no foreign transaction fees , so I can use it when I'm international too and not have to carry that stupid airline specific card around anymore. This maybe my "go to" card to use once I'm done with the slate edge and just pay it off each month.
What I NEED to do, and should have done years ago, is look into and get a Hilton and Marriot card/loyalty program to get the introduction benefits and then start getting stay credits for all the nights I spend in hotels (I work for an airline). I'm shaking my head thinking about all the points I could have built up so far.
Anyone have insight on the Hilton and/or marriot cards?
A chase slate edge card for almost everything because they are giving me zero percent for 21 months. I just could not help myself , let them eat the inflation on this zero interest debt for a good two years.
Tractor Supply Card gives 5 percent back and i'll start using it again for that once I'm done with the slate edge. Between tractor supply price matching, giving 5 percent off bulk purchases, and this card, I save a ton of money on my feed bills.
Amazon card for Amazon purchases, gives 5 percent back. Tied to my amazon prime account.
Recently a costco opened up very close to me so I got their membership and card. 4 percent back on gas and their gas is already cheapest (by 20 cents) around by far so looking forward to a lot of gas savings from here on out. ALSO, costco card has no foreign transaction fees , so I can use it when I'm international too and not have to carry that stupid airline specific card around anymore. This maybe my "go to" card to use once I'm done with the slate edge and just pay it off each month.
What I NEED to do, and should have done years ago, is look into and get a Hilton and Marriot card/loyalty program to get the introduction benefits and then start getting stay credits for all the nights I spend in hotels (I work for an airline). I'm shaking my head thinking about all the points I could have built up so far.
Anyone have insight on the Hilton and/or marriot cards?
Tmac
Adventurer
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I have like a million points on a Marriot Bonvoy card. Just waiting to drop em on a week ski trip.
There is a monster fee that drops in like year 3 ish? $650 I wasn’t expecting, but I’m not actually sure if it was for the card bc the line item just said “annual fee” and I’m assuming it was for the card and not some association.
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Until 12/4 you can get $200 for signing up for the Amazon Prime card. I just got it. I like my Costco Citi card for everything else, but it's hard to beat 5% + $200 on Amazon.
Amazon product ASIN BT00LN946S
Amazon product ASIN BT00LN946S
Burnem Wizfyre
Log Wizard
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They like to in increase the limit on that thing all the time, have had that card for 3 years started at 4K limit and it’s at 35k now lol
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Palum
what Suineg set it to
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So I've been using an older Chase Freedom as my primary card forever. However, I very rarely hit the 5% bonus categories, which means it's OK but not great. Since it's an older card agreement I have a couple different things but only 1% base (I think new ones are 1.5x pts per dollar) I think they seem to have changed the categories every year and now its like 'streaming services' at least once a quarter and I use zero of them, so meh.
I want to get a travel card, but I'm trying to figure out if these are even worth it. For Chase the biggest points rewards are for purchases through their portal. However when I check on travel there, it seems overpriced compared to the same flight on any travel aggregator site. That might work out with points multipliers and redemption bonuses and all that but not sure.
Anyone have a Chase Sapphire Reserve or Amex Platinum and get actual value out of it above cash back cards?
I want to get a travel card, but I'm trying to figure out if these are even worth it. For Chase the biggest points rewards are for purchases through their portal. However when I check on travel there, it seems overpriced compared to the same flight on any travel aggregator site. That might work out with points multipliers and redemption bonuses and all that but not sure.
Anyone have a Chase Sapphire Reserve or Amex Platinum and get actual value out of it above cash back cards?
fris
Vyemm Raider
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I have the Chase Sapphire, whichever one is $150 a year, not $650.
I've only used the points for cash back. Nothing in the portal has made sense. I have 2 freedom flex cards and the Amazon. All the points, outside of Amazon card, I move to my Sapphire, which bumps up the value. And I use that for cash back.
I'm planning on not renewing my Sapphire and moving to my Fidelity card for most purchases. Might be a little less, but puts money there I rather it be.
I'm still rotate chase flex and discover card as they rotate for 5% on gas or groceries. And the Amazon card. I don't travel enough to make the premium cards worth it.
I've only used the points for cash back. Nothing in the portal has made sense. I have 2 freedom flex cards and the Amazon. All the points, outside of Amazon card, I move to my Sapphire, which bumps up the value. And I use that for cash back.
I'm planning on not renewing my Sapphire and moving to my Fidelity card for most purchases. Might be a little less, but puts money there I rather it be.
I'm still rotate chase flex and discover card as they rotate for 5% on gas or groceries. And the Amazon card. I don't travel enough to make the premium cards worth it.
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sleevedraw
Revolver Ocelot
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Ultimately you are the only one who can make a determination whether a travel card is worth it. It entirely depends on how much you travel.
The way to get the most outsized value with the Sapphire is generally to convert the points to airline miles and then redeem the airline miles first-party on the airline's site. Chase partners with United, Southwest, JetBlue domestically. If you use these airlines a lot, it may be a good match. There are ways to use foreign points (like Air Canada's) on domestic airlines, but it quickly turns into a pain in the ass with fuel surcharges, blackouts, etc. You can also redeem for Hyatt hotel points which is usually a decent value. The other hotels are not.
CSP is an OK starter card. In order to maximize the value, you want to use the $50 hotel credit every year. The travel protections that it has are good. The multipliers are mediocre (3x online groceries only, 2x travel booked outside of the Chase portal), but if you want to get the most mileage out of it, you should get the other UR cards in the Chase ecosystem (Freedom Unlimited and Ink Cash). Then you transfer the points you earn on those other cards to the Sapphire for redemptions.
Amex Plat is a glorified coupon book these days. Unless you fly Delta all the time, I would not recommend.
Sapphire's best competitor is probably the CapitalOne VentureX. It gets 10x on hotels booked through the portal; 5x on airlines (and I think rental cars?) through the portal; 2x flat everything else. Travel protections are generally as good as the Sapphire. Annual fee is $395, but it comes with a $300 portal travel credit and 10,000 points per anniversary year, so as long as you use the travel credit, the effective annual fee is $95 for year 1 and zero for year 2+. CapitalOne will also price match things on their portal. To my knowledge, Chase won't.
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Khane
Got something right about marriage
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Chase has probably the best point system out there and they have a ton of direct 1:1 transfers or even better with most hotel and airline brands as stated above.
If you have a sapphire and think you're gonna get a better deal elsewhere it's probably not gonna happen unless you never travel, ever.
If you have a sapphire and think you're gonna get a better deal elsewhere it's probably not gonna happen unless you never travel, ever.
Arden
Blackwing Lair Raider
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I have the Amazon card that gives 5% back on all Amazon and Whole Foods purchases- a few other things and something like 2% back on everything else. I've had it a few years and really like it. Don't shop at WF too often, but I use Amazon way too much so I get a ton of mileage. It automatically loads your reward balance at the Amazon check out window so it's easy just to click the "use rewards balance" to add the money to your purchase. Probably every third thing I buy on Amazon is free, unless it's really big ticket, and then I still get a good chunk off the price.
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It really depends on your spending habits on whether those category focused kinds of cards are worth it. I recently sat down and went through all of our credit cards, and realized the same. My wife and I have had the same cards for 20+ years. We weren’t really hitting the bonuses. I pulled out our budget and looked at our spending overtime and realized that we were too spread out across categories to make any specific category bonus worth it. I ended up getting a Wells Fargo 2% cash back card to use for everything. Based on our non-category focused spending a higher base cash back paid better. The category specific bonuses are typically only worth it if you only use that card for that one specific bonus.
We didn’t want to completely redo all of our cards because we’ve had them for so long, so we’ve kept all the old ones open and just got the 2% cash back card to use as our daily spender. If something better comes along in five years we’ll just cancel this newer card and still retain our very old cards for history. None of the old cards have fees either.
Izo
Tranny Chaser
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Over here in eurocuckistan it's not so widespread, cashback. There is a site where visas can be registered for some random 1-10% is from select stores. I donno, don't like registrering my card outside the bank.
What's it like in the us in general, seems like a common thing?
What's it like in the us in general, seems like a common thing?
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It comes from the card issuer themselves. So for example, if you apply for a visa from capital one, capital one will offer you certain cash back terms when you use their card. F registering a cc with a third party lol
Pretty much every credit card company over here does that. The terms can vary. Sometimes they offer specialty rates for specific types of purchases. But generally, every card will either offer a cashback or accumulate points, which you can cash in for stuff.
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sleevedraw
Revolver Ocelot
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We have shopping portals like that too, but like Fred said, most higher-end credit cards innately get x points or x percent cash back as well. It is usually possible to "double dip" and get cash back from both the portal and from the card itself. Sometimes you can even "triple dip" - card, portal, and a bonus offer on a specific retailer that can be loaded on the card.
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