Best Credit Card with Cash Back Rewards

Oblio

10" Personality
<Gold Donor>
9,115
18,343
136d 5h 41m
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

The Dirty Dozen For the Price of One
<Nazi Janitors>
28,045
41,544
143d 15h 1m
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

I got Tuco'd!
<Gold Donor>
42,753
68,796
102d 3h 55m
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
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

I got Tuco'd!
<Gold Donor>
42,753
68,796
102d 3h 55m
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

Mr. Poopybutthole
29,710
83,641
221d 23h 47m
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

Ahn'Qiraj Raider
7,872
2,475
83d 19h 49m
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

I got Tuco'd!
<Gold Donor>
42,753
68,796
102d 3h 55m
My apt just started letting us pay rent withcreditcard, extra $14 a month in my pocket!
 

Tenks

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

Cad

scientia potentia est
<Bronze Donator>
22,530
35,669
140d 18h 33m
I applied for the Fidelity card. Thanks bros!
 

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.
 

Kedwyn

Silver Squire
3,915
80
0
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.
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

I got Tuco'd!
<Gold Donor>
42,753
68,796
102d 3h 55m
You'd think they'd prefer to offer like a 4% discount for paying with check/cash instead of eating the cc fees.
Yeah I misread the notice, they charge a fee, about 2%, the same as mycreditcard bonus amount. Where is my bitcoin option?!
 

Tarrant

<Prior Amod>
14,602
7,456
42d 15h 48m
My apt just started letting us pay rent withcreditcard, extra $14 a month in my pocket!
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.