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Best Credit Card...cash back? incentives...etc?

L

Lash444

Golden Member
I currently have a credit card that i started using as a student. It has a high APR, and 1% cash back. Ive notices on this webpage that Credit Cards there are many cards that offer potentially a much better return. Not only in terms of APR, but incentives. Anyone have any recommendations on what type of card to try and get? I am not too concerned about APR as I usually pay off in full or only leave a tiny amount left in order to not feel the pinch. The ultimate card by chase looks appealing as it offers 5% cash back on gas...and up to 2% on everything else.
 
citi dividencds card
1% casah back on everything
5% on gas, supermarket, drug store

chase universal
$1 a point
with 900 points, you can get a movie ticket that worth up to $12.
I think they send me a ticket once a year too

I don't think there is a "Best Credit Card," get the one that fit you the best.
 
blue cash is nice. and you don't have to wait for the cash back to pile up to $100 before they cut you a check like the citi dividend does

but get both. i had a blue student (which offers me $500 credit limit... then $1000 after a year), then the blue cash, but since many places do not accept amex, and discover is pretty much useless overseas, i just got the citi master card
 
Originally posted by: sniperruff
blue cash is nice. and you don't have to wait for the cash back to pile up to $100 before they cut you a check like the citi dividend does

but get both. i had a blue student (which offers me $500 credit limit... then $1000 after a year), then the blue cash, but since many places do not accept amex, and discover is pretty much useless overseas, i just got the citi master card
Click to expand...

citi changed the policy. you can request a check when you have $50, but that's upon request.
it is nice to have an amex card. they rejected by twice last year. I am waiting for the invitations in mail instead now.
 
I like the Chase Freedom card, now called the perfectcard I think. 3% on gas and 1% on everything else.. but the great thing is that you get the rebate automatically every month as a credit on your next bill.

No screwing around reaching an arbitrary limit or having to ask for your money.
 
I still like my Discover Platinum card. It's normally 1% cash back, but they occassionally have online specials where you can get back up to 10% on gas and groceries. The last time they had one of those, I made out well and got back $100 in 3 months. You can redeem your bonus in $20 chunks, and can double your cash back award by requesting things like Sharper Image gift certificates instead of cash.
 
Originally posted by: DaWhim

citi changed the policy. you can request a check when you have $50, but that's upon request.
it is nice to have an amex card. they rejected by twice last year. I am waiting for the invitations in mail instead now.
Click to expand...

Yeah, I'm still pissed at Amex for rejecting my Blue card application when I was in college. Of course, now that I have great credit and have all the cards that I want, they're sending me offers for pre-approved Gold cards! Bastards. :disgust:
 
ive yet to find a rewards card that is worth wild - even w/ sky miles, unless you are charging upwards for 40k a year, it will take forever to get one free ticket worth $250 or less
 
Originally posted by: MikePanic
ive yet to find a rewards card that is worth wild - even w/ sky miles, unless you are charging upwards for 40k a year, it will take forever to get one free ticket worth $250 or less
Click to expand...

The Citi card is pretty good. I've already accumulated $50 back and I've only had it a few months. Frequent flyer mile cards are overrated.
 
If you shop at costco a lot, and only a lot. You can get a combination Amax cash rewards card with 2% back and a costco executive membership card with another 2% back, for 4% back on all costco purchases. This combination would have a fee of around 100 dollars a year. This combination is only worth it if you plan to spend at least 231 a month on items at costco or around 55 dollars a week. After 55 dollars a week is when this card offers the most saving out of all of combinations of card from costco.
 
Originally posted by: Lash444
I currently have a credit card that i started using as a student. It has a high APR, and 1% cash back. Ive notices on this webpage that Credit Cards there are many cards that offer potentially a much better return. Not only in terms of APR, but incentives. Anyone have any recommendations on what type of card to try and get? I am not too concerned about APR as I usually pay off in full or only leave a tiny amount left in order to not feel the pinch. The ultimate card by chase looks appealing as it offers 5% cash back on gas...and up to 2% on everything else.
Click to expand...

Citi Card
 
Originally posted by: Taggart
Originally posted by: Lash444
I currently have a credit card that i started using as a student. It has a high APR, and 1% cash back. Ive notices on this webpage that Credit Cards there are many cards that offer potentially a much better return. Not only in terms of APR, but incentives. Anyone have any recommendations on what type of card to try and get? I am not too concerned about APR as I usually pay off in full or only leave a tiny amount left in order to not feel the pinch. The ultimate card by chase looks appealing as it offers 5% cash back on gas...and up to 2% on everything else.
Click to expand...

Citi Card
Click to expand...

^^^
 
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