Credit card comparisons -
- Thread starter rivan
- Start date
personally... use it to build credit, that's about it. make sure you pay it on time, and that's what really matters actually.
don't try to play the score-up game 'cuz you'll be well damn stuck in a freakin' fish bowl 'till you're 101 years of age.
don't try to play the score-up game 'cuz you'll be well damn stuck in a freakin' fish bowl 'till you're 101 years of age.
- Jul 8, 2003
- 9,677
- 3
- 81
I do use 'em and pay 'em off - I use my Amex anywhere I can these days, but don't really know how in love with their points I am.
I'd like to see my options - maybe there's a better cash-back type card for me out there.
Thanks for the financial advice though.
I'd like to see my options - maybe there's a better cash-back type card for me out there.
Thanks for the financial advice though.
SoulAssassin
Diamond Member
- Feb 1, 2001
- 6,135
- 2
- 0
every few months i look around for a good rewards card, and every month i conclude that theyre all pretty much the same. some cards have good rewards, but only for a limited time. some cards have a minimum in the thousands before rewards accumulate. some have quick accumulation, but they are for merchandise and there are no cash awards. etc etc etc
in the end, i chose Fly Amex as my primary card.
in the end, i chose Fly Amex as my primary card.
HeroOfPellinor
Lifer
- Dec 27, 2001
- 11,272
- 1
- 0
Just using a citi rewards card for buying gas and groceries and large expenses, I got $500 in gift cards last year. That's not chump change.
I use the Citi Dividend card all the time. So far I've collected over $900 in the 3 years I've had it.
http://www.creditcardsdb.com/
I used to use Citi Dividend; I redeemed all my points for an 80 gig iPOD, a nice anitque looking wall clock, a few gift cards, and a travel kit (45000 points over 3 years). It is typically 1 point her $1 and you can get double points for certain purchases.
Now, I use AMEX Starwood card. Starwood is a hotel frequent flier program. 1 pt. per $ and double points if you stay at a SPG hotel (SHeraton, etc.). YOu can redeem points for hotel nights or flights.
I used to use Citi Dividend; I redeemed all my points for an 80 gig iPOD, a nice anitque looking wall clock, a few gift cards, and a travel kit (45000 points over 3 years). It is typically 1 point her $1 and you can get double points for certain purchases.
Now, I use AMEX Starwood card. Starwood is a hotel frequent flier program. 1 pt. per $ and double points if you stay at a SPG hotel (SHeraton, etc.). YOu can redeem points for hotel nights or flights.
child of wonder
Diamond Member
- Aug 31, 2006
- 8,307
- 176
- 106
My wife and I use the Choice Privileges card. Every dollar gets us two reward points we can use to stay at any Choice Hotel (Comfort Inn, etc).
A room in the offseason is around 6,000 points and 12,000 during the summer. We'll be earning about 48,000 points per year (daycare, some bills, and all daily expenses like gas and groceries are going on it). As long as we pay it off in full each month (which we will) that's 4-8 free hotel stays every year.
A room in the offseason is around 6,000 points and 12,000 during the summer. We'll be earning about 48,000 points per year (daycare, some bills, and all daily expenses like gas and groceries are going on it). As long as we pay it off in full each month (which we will) that's 4-8 free hotel stays every year.
dr150
Diamond Member
- Sep 18, 2003
- 6,570
- 24
- 81
Starwood AMEX is generally considered the best reward card by people in the know 9even with the recent devaluation). The card is chock full of reward options and moderately priced ($30/year).
Also, it's good to churn Visa/MC cards when offers pop up for 20,000 miles such as with American, United, Northwest, etc or cash bonuses.
Look at flyertalk.com to stay abreast of things.
RossMAN
Grand Nagus
- Feb 24, 2000
- 79,030
- 438
- 136
If you're a CostCo member I would highly recommend the CostCo Amex cc.
Agreed. Check the 2nd "Quick Summary" post which has a ton of information.
Same here. My wife and I charge everything on our credit cards except for rent which is paid with a check. We receive a single bill at the end of our billing cycle and the rewards accumulate pretty damn quickly. We charge our cable, cell phones, groceries, utility bills, clothes, CostCo purchases, magazines, fleshlight upgrades, etc.
Agreed. Check the 2nd "Quick Summary" post which has a ton of information.
Same here. My wife and I charge everything on our credit cards except for rent which is paid with a check. We receive a single bill at the end of our billing cycle and the rewards accumulate pretty damn quickly. We charge our cable, cell phones, groceries, utility bills, clothes, CostCo purchases, magazines, fleshlight upgrades, etc.
alkemyst
No Lifer
- Feb 13, 2001
- 83,769
- 19
- 81
With reward cards, the benefit only comes from using them. Unless you are cycling a decent amount of cash to them it's usually better to shop rate. If you are going to a benefits card use it like RossMAN stated...run everything through it and then pay it off promptly.
True, the rewards aren't comparable generally to credit card rewards, but it is a debit card.
And it sure beats a local bank that gives you absolutely nothing.
SSSnail
Lifer
- Nov 29, 2006
- 17,458
- 83
- 86
Originally posted by: Pabster
True, the rewards aren't comparable generally to credit card rewards, but it is a debit card.
And it sure beats a local bank that gives you absolutely nothing.
Wait, what rewards do they give you? I don't even know if I get anything, stupid gold card right?
Preyhunter
Golden Member
- Nov 9, 1999
- 1,774
- 12
- 81
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