Originally posted by Traildust
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Best Credit Card To Own?
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Originally posted by denimdeerslayer View PostInterest rate dont matter if you pay it off each month. I got a chase card for points and use it instead of debit card and never pay any interest. Im almost up to 1K cash value and I got it in Jan of this year. My debit doesnt give me anything. Also you have more protections using credit card over debit.
I've now got around 160k points needing to be used. We usually have $4-5k in expenses a month on a card without major spending like vacations or toys and feel like the years of it on a debit card was a waste. Now I at least get something back
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i've had many cards but the best one by far is my marriott visa - they have a signup bonus right now for 80k points. you start getting free nights in one of their level 1 hotels at 7500, so essentially a week free, so long as you spend 3500 within the first 3 months of having the card. annual fee is $89, but you get a free night stay in a hotel every year - so to me its a wash. you can use the rewards for things other than travel fwiw.
i'll send anyone on here a link to the offer if you want to sign up, plus i'll get 20k bonus pointsLast edited by topshot; 09-13-2017, 12:34 PM.
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American Express.
No interest. Small yearly fee. Great points program.
I put everything I can on mine and pay it before the 10th of the month. Works great.
Occasionally, but not often you get the 'we don't take amex'. Unless I really need their product or service I'll usually say thanks anyway and walk off.
They even have special access to hard to get stuff. Concert tickets, restaurant reservations, premium lounges in airports, etc
And you can stay in the good favor of Dave Ramsey.Last edited by flatlander; 09-13-2017, 05:35 PM.
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Originally posted by bphillips View PostI would sacrifice. I honestly wouldn't care if it was 20% because I won't carry a balance anyway. I have Chase Saphire Reserve and have been really happy with it and dealing with them. Fee is $450 but you get $300 of it back when spent on any travel (flight, hotel, etc). Get access to airport lounges and it also pays for your Global Entry/TSA precheck application. 3x points on travel and dining so more for travelers
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Originally posted by duckmanep View PostI like my Citi double 2% card. Pay a lot of my bills with it and then pay that balance at the end of the month. Surprising how much builds up by just paying the phone bill, tv bill, etc. with it.
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