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FDP Forum / Moe's Tavern (_8^(I) / What's a good credit card?

Next 20 Messages  
Pinetree
Moderator Emeritus
(with many stars)

NW Pennsylvania

Feb 22nd, 2018 05:53 PM   Edit   Profile  

I don't carry a balance, don't care about "rewards" or "cash back" or anything like that.


I just need a card for online shopping since I'm going to be dumping my current bank.




littleuch
Contributing Member
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Florida

pronounced "Klinkhammer" in French
Feb 22nd, 2018 06:01 PM   Edit   Profile  

I have a Capital One Quicksilver. While you may not care about rewards I think they are great. 1.5% back on all purchases. It adds up quickly if you use it for everything. I think I earned about $650 last year. I have a $10k credit limit and while I can set up auto payments I prefer to make payments any time I hit $1000 balance, which is usually several times a month. The only things I don't/can't use it for are my HOA fees, car and utility payments.

(This message was last edited by littleuch at 08:02 PM, Feb 22nd, 2018)

SandBagger
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Texas

Enjoy Every Popsicle
Feb 22nd, 2018 06:28 PM   Edit   Profile  

I don't care about Rewards or Cash Back either. I have held a Master-Card since 1993 (at least that's what is imprinted on my plastic card)

Had it hacked twice with false purchases and both times I was alerted by them (MasterCard security) first. Never been responsible for any bogus purchases by the crooks.









littleuch
Contributing Member
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Florida

pronounced "Klinkhammer" in French
Feb 22nd, 2018 06:34 PM   Edit   Profile  

I'm curious if you guys think there is some kind of downside or compromise to rewards/cash back. It is free money. Spend $100, get $1.50 sitting there waiting to be spent. Mad money. Loose change. Pocket jing. Ya dig? It's free. FREE! Buy a guitar at the end of the year.

Leftee
Contributing Member
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VA

I say stuff
Feb 22nd, 2018 06:37 PM   Edit   Profile  

I’ve bought gear with the rewards.

Pinetree
Moderator Emeritus
(with many stars)

NW Pennsylvania

Feb 22nd, 2018 06:39 PM   Edit   Profile  

I'm just happy that my yearly interest is $0.

Don't care = Don't care.



littleuch
Contributing Member
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Florida

pronounced "Klinkhammer" in French
Feb 22nd, 2018 06:39 PM   Edit   Profile  

I've spent most of my rewards at Sweetwater.

littleuch
Contributing Member
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Florida

pronounced "Klinkhammer" in French
Feb 22nd, 2018 06:42 PM   Edit   Profile  

But the cash back thing is a common incentive, maybe you'll find an acceptable CC that has it. You can call them and tell them to keep the money.

Or spend it on solder. Lots of solder.

Leftee
Contributing Member
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VA

I say stuff
Feb 22nd, 2018 06:44 PM   Edit   Profile  

You still don’t have to carry a balance. $0 interest.

Cash back.

Free gear.

Or solder.

Doc Sarvis
Contributing Member
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USA/Salt Lake City

Tuned Strings and Tight Lines
Feb 22nd, 2018 06:46 PM   Edit   Profile  

Cabelas Club Visa.

insanecooker
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Houston, TX

Feb 22nd, 2018 06:46 PM   Edit   Profile  

I pay for everything with credit cards and bank many rewards every year. I'll only use cash if it's the only option or if the discount is larger than the approximately 3% I get if I funnel the rewards into travel.

Can't see the downside. Never carried a balance in my life, so I don't even care about the APR.

Pinetree
Moderator Emeritus
(with many stars)

NW Pennsylvania

Feb 22nd, 2018 06:47 PM   Edit   Profile  

I buy solder by the big ol' roll.




Off topic already.

:-/


Leftee
Contributing Member
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VA

I say stuff
Feb 22nd, 2018 06:49 PM   Edit   Profile  

Like Klinkhammer, I like the Quicksilver.

Back on topic. (-;

JAFO
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Hemet, SoCal

I detect the El Supremo
Feb 22nd, 2018 07:19 PM   Edit   Profile  

Piney, I use the debit card issued by my bank. No fees and I've never had a problem getting it accepted.

rok-a-bill-e
Contributing Member
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Nashville,USA

Clawhammer Rules!
Feb 22nd, 2018 07:37 PM   Edit   Profile  

The cash back racket works like this. The Bankcard companies charge every merchant an extra fee on every transaction made on a rewards card. It does not matter how generous or stingy the rewards are; if it qualifies as a rewards card then the merchant gets hit an extra lick on top of the standard percentage and fees. And most cards now carry at least some type reward.
So, it's not optional for business (in the real world) and it has become just another cost of doing business and is figured into the cost and so pricing is based upon that.
So, in a sense, everybody pays it, even the cash customer.

Still feeling Rewarded? Getting a rewards card is more like self protection than any kind of reward.

The only ones getting Rewarded are the BankCard Companies, who have managed to insert themselves into almost every financial transaction and their cut comes off the top.



rok-a-bill-e
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Nashville,USA

Clawhammer Rules!
Feb 22nd, 2018 07:40 PM   Edit   Profile  

To the OP, I've been pleased with the service on my Bank of America cards, both personal and business. Ditto US Bank.
The Capitol One rewards are as simple as it gets.

De ville
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WA

Support the FDP - Please Donate
Feb 22nd, 2018 08:07 PM   Edit   Profile  

I wouldn't recommend a credit card simply because of all the fraud that goes on with credit cards. I have credit cards, but I wouldn't say which ones on the internet.

You would be surprised just how little information the scammers need to take over your account. The scammers might already have half your information, and just need a few details to complete what they need.

Here's my recommendation. Sign up for Credit Karma. It's free, legit, you can check you credit, and it's updated every week. It doesn't affect your credit because they're not running hard inquiries. You can monitor for fraudulent activity. You can dispute credit errors, and it's all free. I've been using it for years with out a single snag. It's easy to use, and to circle around to your original question, Credit Karma has credit card offers which is why Credit Karma exists.

Their credit card offers are not in your face in an annoying way. The card offers are from different carriers, it shows you right there what your chances are for getting that card, and what the card has to offer.

Rok is spot on.

(This message was last edited by De ville at 10:12 PM, Feb 22nd, 2018)

dudesweet157
Contributing Member
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Greensboro, NC

You're the reason our kids are ugly
Feb 22nd, 2018 08:08 PM   Edit   Profile  

I love my Amex Blue Cash Preferred. It does have a $95 annual fee, but I've already hit $110 in cash back for the year so far, and you get Shoprunner for free, which gets you free 2-day shipping and returns at a bunch of different vendors.

I've got a couple of emergency cards from Capital One and my credit union in the event that I'm stuck with a big purchase at a place that doesn't take Amex, but that hasn't happened yet.

insanecooker
Contributing Member
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Houston, TX

Feb 22nd, 2018 08:16 PM   Edit   Profile  

"So, in a sense, everybody pays it, even the cash customer."

Of course - however, if you are the cash customer, you are paying for it and getting no offsetting benefits.

At this stage you have the option of getting the rewards or not for the same price - there isn't another option, so you must choose between those two.

littleuch
Contributing Member
**********
******

Florida

pronounced "Klinkhammer" in French
Feb 22nd, 2018 10:20 PM   Edit   Profile  

The Cap One Quicksilver has a great on line interface for monitoring your account, making payments, etc. In over a year I've not been hacked, which is more than I can say about my Chase/BoA bank cards.

Honestly, if you don't plan on carrying a balance they're likely all pretty equal.

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FDP Forum / Moe's Tavern (_8^(I) / What's a good credit card?




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