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

Previous 20 Messages  
insanecooker
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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
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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.

reverendrob
FDP Data Goon
Moderator

We all want

our time in hell
Feb 23rd, 2018 12:19 AM   Edit   Profile  

What to look for is annual fee (interest doesn't matter if you're paying it off every month, and it'll be within a few % no matter what).

I have a Citi cashback card with no annual fee that gives 2@ back (1% at time of purchase, 1% when you pay it off).

jhawkr
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Wichita, KS USA

It's all gravy from here on...
Feb 23rd, 2018 03:46 AM   Edit   Profile  

If you don't carry a balance, don't care about rewards or cash back, the only thing left is customer service. The top two cards in that area would be American Express and Discover. Of those two, I would say Discover is accepted more places in the USA where Amex is king outside the USA. I've not dealt with Amex customer service but it is highly regarded. I have dealt with Discover and service is superb.

NoSoapRadio
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Mass., Amerika

CO2 ... is there anything it can't do?
Feb 23rd, 2018 04:47 AM   Edit   Profile  

AMEX for me as well. I have other cards but Amex is the only one I use. I've had it since the 80s -- never had a problem.

Leftee
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VA

I say stuff
Feb 23rd, 2018 05:01 AM   Edit   Profile  

I won’t use a debit card anywhere but my bank’s ATM. If a debit card is hacked it’s your money. If a CC is hacked it’s not.

MJB
Contributing Member
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Who's we sucka?

Smith, Wesson and me.
Feb 23rd, 2018 07:37 AM   Edit   Profile  

Leftee +1

I use my PNC Visa and pay it every month.

I get a text message to my phone for EVERY transaction.

tahitijack
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San Clemente, CA

Happy Sunsets, tahitijack
Feb 23rd, 2018 08:32 AM   Edit   Profile  

I like to travel on Alaska Airlines, so I have there card. I get a free companion ticket every year. My wife has one as well so we get a couple of free rides each year. Alaska partners with other AL so they have a lot of destinations.

professor
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North Gnarlyington

Feb 23rd, 2018 08:50 AM   Edit   Profile  

We fly about 4-5 times a year; if we were using the same airline I would definitely get an airline card. However, we don't, so I have a Capital One card and use the points. They are good about flagging suspicious activity.

A friend who travels a lot outside of the US uses Amex. He went to Japan last year and he and his wife got 2 for 1 business class tickets on JAL through Amex.

insanecooker
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Houston, TX

Feb 23rd, 2018 10:13 AM   Edit   Profile  

I agree with the debit card point - to me that is only for an emergency, and I'd choose a check over it if given the choice.

mfitz804
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Staten Island, NY

Our resident rational liberal
Feb 23rd, 2018 10:20 AM   Edit   Profile  

Get the one with the best rewards. You don’t earn rewards by carrying a balance. I have a Citi Double Cash card which they say gives 1% when you buy, 1% when you pay. But they only credit you after a certain amount of time, which for me seems to coincide with my payment. I don’t carry a balance either.

When the reward pops up, I credit it to my account before making my next payment, taking it off the top. $50 so far this year, no annual fee.

Not caring about rewards, honestly, just means you’re giving away free money. I personally don’t do that but if the OP wishes to, as said above, stick with the major banks and they are essentially all the same.

FlyonNylon
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East Tennessee

Feb 23rd, 2018 10:30 AM   Edit   Profile  

I have a rewards card that I use for as much as possible.

1.75% on everything, 2% groceries, 3% gas. No annual fees.

Set as many bills up on the CC for auto-pay. I end up getting about $800-1000 cash-back a year.

It's free money, why not?

My dad taught me a long time ago to get a card and pay it off every month. Several reasons for this:

1. It's free money for a month.
2. Cash-back.
3. Building credit.

I would also trust my CC company (through the bank) to dispute any fraudulent transactions/identity issues as much as using a debit card, check, or other method.

Have thought about getting a travel card or something, but am happy with the card I have and my wallet is pretty small, so best to just stick with one..


reverendrob
FDP Data Goon
Moderator

We all want

our time in hell
Feb 23rd, 2018 01:25 PM   Edit   Profile  

Yea, they do the other 1% on the Citi when your payment credits.

I apply it when I remember mostly, which is fairly often but...

They're my "pay it off as I go" card of choice for autopay.

I have others for emergencies but I'm at the point where I needed more actual lines of credit to make the final push out of the credit hole I was in more than anything.

mfitz804
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Staten Island, NY

Our resident rational liberal
Feb 23rd, 2018 01:37 PM   Edit   Profile  

Rob, when do they apply the first 1%? I never see it hit when the charge hits, just a lump sum that pops up when it’s payment time. I’m sure I’m either missing it or not watching it closely.

But for example, I have roughly $125 in charges over the last week, and no cash back has been applied thus far.

reverendrob
FDP Data Goon
Moderator

We all want

our time in hell
Feb 23rd, 2018 03:43 PM   Edit   Profile  

The charge has to complete and get added to the statement balance. I'm assuming if you pay it off before it registers it just credits both parts at once.

I haven't stared at it, but nobody applies a credit before something is final and balanced!

mfitz804
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Staten Island, NY

Our resident rational liberal
Feb 23rd, 2018 03:51 PM   Edit   Profile  

I have numerous charges for which no credit has been applied to my cash back balance. Maybe it’s a set number of days after. I’ll have to watch.

Pinetree
Moderator Emeritus
(with many stars)

NW Pennsylvania

Feb 24th, 2018 04:09 AM   Edit   Profile  

Chase Freedom Unlimited

Unlimited 1.5% cash back on every purchase.

Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.

No minimum to redeem for cash back.



I guess I'll try the Cash Back thing.


Thanks.




Leftee
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VA

I say stuff
Feb 24th, 2018 05:24 AM   Edit   Profile  

Great choice.

Play the game. (-:

reverendrob
FDP Data Goon
Moderator

We all want

our time in hell
Feb 24th, 2018 05:28 AM   Edit   Profile  

Soon, the mighty Tree will have a little garden of cards!


18megohm
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San Antonio, TX

Glad that's over
Feb 24th, 2018 10:37 PM   Edit   Profile  

We got just under $900.00 back on our Costco Citi card a few weeks ago. We use it for gas, restaurants, travel, and Costco purchases. We have another visa card that we use for everything else that pays 2% back. We pay both off every month so there are no finance charges.

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




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