Best Credit Card with Cash Back Rewards

Oblio

Oblio

10" Personality
<Gold Donor>
10,078
20,824
153d 23h 11m
If you frequent Costco then the Costco Cash Back American Express is a no brainer.

If not, I have heard good things about Capital One.
 
Soygen

Soygen

The Dirty Dozen For the Price of One
<Nazi Janitors>
28,143
42,125
146d 19h 35m
My main card is the Fidelity American Express. It's 2% on every purchase and gets directly deposited into your Fidelity account(as cash).

You need a Fidelity account is the only catch. I think you can create one for free?

Fidelity Rewards American ExpressCreditCards
 
Tuco

Tuco

I got Tuco'd!
<Gold Donor>
43,106
69,665
105d 16h 53m
Soygen_sl said:
My main card is the Fidelity American Express. It's 2% on every purchase and gets directly deposited into your Fidelity account(as cash).

You need a Fidelity account is the only catch. I think you can create one for free?

Fidelity Rewards American ExpressCreditCards
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ooh nice. I didn't know about that.

I have something like:
Capital One Venture RewardsCreditCard - Apply Online

but I pay $39 instead of $59 a year. I basically get $2 from every $100 I spend that goes to airline/cruises. It's not much but being one of the cheapest people ever I enjoy my yearly vacations more knowing one or both our tickets was paid for by people swimming increditcard debt!

Capital One itself has been a flawless service, providing a great website and good security features.
 
Tuco

Tuco

I got Tuco'd!
<Gold Donor>
43,106
69,665
105d 16h 53m
I have excellentcreditatm and zero debt. I wonder if I started signing up tocreditcards with sign-up bonuses how long I'd be able to get before I started getting denied everywhere. Or I wonder if the pool of saidcreditcards is so small I'd only get a grand or so before I ran out of first-time bonuses to get. Either way I hate doing that shit and would never try it.
 
Gravel

Gravel

Mr. Poopybutthole
31,060
90,664
238d 14h 20m
I like the PenFed one. I think we've had it for about a year and a half.

Extra bonus is that they have some deal for loans with crazy low rates. I had to get a new car once I moved out to California and financed it at .99%. We thought about paying more of it down, but it was literally like $300 in interest over the entire 60 month loan.
 
Falstaff

Falstaff

Ahn'Qiraj Raider
8,014
2,760
88d 8h 14m
I have Blue Cash Preferred from American Express. It has an annual fee which sucks but I got it waived for the first year... or maybe I got some $150 cash back thing which basically voided the $75 annual fee for two years. Now that I'll be driving much less with a new job I will be switching, probably to the Costco Amex but I'm undecided. I might go for a Southwest Visa since they usually always have two free round trip tickets when you spend like $2k in the first 3 months.
 
Tuco

Tuco

I got Tuco'd!
<Gold Donor>
43,106
69,665
105d 16h 53m
My apt just started letting us pay rent withcreditcard, extra $14 a month in my pocket!
 
T

Tenks

Bronze Knight of the Realm
14,163
606
0
Tuco_sl said:
My apt just started letting us pay rent withcreditcard, extra $14 a month in my pocket!
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You'd think they'd prefer to offer like a 4% discount for paying with check/cash instead of eating the cc fees.
 
Cad

Cad

scientia potentia est
<Bronze Donator>
22,829
39,208
I applied for the Fidelity card. Thanks bros!
 
D

Draegan_sl

2 Minutes Hate
10,034
3
0
If you live in a corporate apartment complex then handling cash is risky, processing checks is costly and time consuming.Creditis pretty much simple and nearly automatic.
 
K

Kedwyn

Silver Squire
3,915
80
0
Tuco_sl said:
I have excellentcreditatm and zero debt. I wonder if I started signing up tocreditcards with sign-up bonuses how long I'd be able to get before I started getting denied everywhere. Or I wonder if the pool of saidcreditcards is so small I'd only get a grand or so before I ran out of first-time bonuses to get. Either way I hate doing that shit and would never try it.
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Doing that destroys / can really hurt yourcredit. One of the big factors determining that high score is length of time your account is open. Open a bunch of cards, even just a few and your score will take a good hit.

Revolving debt is good once you get high limits (w/ low utilization) and keep the account for open for a long time. New revolving debt will hurt you over the short and medium term.
 
Tuco

Tuco

I got Tuco'd!
<Gold Donor>
43,106
69,665
105d 16h 53m
Tenks_sl said:
You'd think they'd prefer to offer like a 4% discount for paying with check/cash instead of eating the cc fees.
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Yeah I misread the notice, they charge a fee, about 2%, the same as mycreditcard bonus amount. Where is my bitcoin option?!
 
Tarrant

Tarrant

<Prior Amod>
14,827
7,830
44d 1h 55m
Tuco_sl said:
My apt just started letting us pay rent withcreditcard, extra $14 a month in my pocket!
Click to expand...
I've always used my debt for this and at some point didn't know mycreditunion got us associated with some rewards company. I've been paying with it for nearly 5 years and at some point within the last 4 years they started that with me only finding out like 6 months ago. At this point I have close to 500,000 points. To put that in perspective, I can get 75% off international flights for 150,000.

They have a ton of other shit on there too merchandise wise, was a nice surprise when I got something in the mail about it asking me if I knew about it.
 
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