Best credit cards right now? (107k reps)

[adamsz]

Have 3 different cards all paid off in full but they have chit for rewards. Need to stop being lazy and find something that is giving me some kind of cash back or something.

Credit score is high 7's/low 8's.

Only spend about $1200-1500/month on it and always pay it off in full.

Looking for something with good rewards like % cash back. I don't really travel regularly so airlines/hotels/perks like that aren't something I'm interested in.

Probably spend the most at costco every month (like 300-500). They actually offer a visa that does 4% on gas, 3% on restaurants, 2% on all costco purchases and 1% on everything else. Doesn't seem bad, but if there was something out there that was just like a flat 2-3% cash back on all purchases I'd be more interested in that probably.

What yall got these days?

Reps for good recommendations.

edit: also, is it bad to continuously get new cards? A lot of the cards I've looked at have great introductory offers for like the first year, then the rewards drop off a lot. Is it bad if you keep getting new cards like every year or two to take advantage of intro rewards programs? Right now I have two cards I literally don't use at all. Then one I use and pay off every month. My credit score dropped earlier this year because they said my activity was low and I didn't have any debt (lol - shouldn't I be rewarded for that?!?).

edit 2: preferably a visa, since that's all costco accepts?

[sword_]

I have a Chase Sapphire Preferred, Chase Freedom, and Chase Ink Preferred but I tend to use points for travel.

Chase Sapphire Preferred and Freedom have rotating categories where you can get extra bonuses on things like gas, going to the grocery store, etc. Sounds like what you're looking for.

If you want a flat 1.5% something like the Chase Freedom Unlimited would be good. Great for cash back.

[DrWilliam]

Citi Double Cash is going to be your best cash back card as far as I know, 2% (1% when you use, another 1% when you pay)

[adamsz]

I have a Chase Sapphire Preferred, Chase Freedom, and Chase Ink Preferred but I tend to use points for travel.

Chase Sapphire Preferred and Freedom have rotating categories where you can get extra bonuses on things like gas, going to the grocery store, etc. Sounds like what you're looking for.

If you want a flat 1.5% something like the Chase Freedom Unlimited would be good. Great for cash back.

You must spread some Reputation around before giving it to sword_ again.

Looked up the chase freedom unlimited - they offer 3% cash back on everything for first year up to 20k. That sounds really damn appealing. Question though - is it bad to continuously get new cards? A lot of the cards I've looked at have great introductory offers for like the first year, then the rewards drop off a lot. Is it bad if you keep getting new cards like every year or two to take advantage of intro rewards programs? Does that fuk with ur credit score at all?

Your best bet in ass is to just do the rotating category bullchit. I don't have the patience for that and don't like sweating the small stuff in life of ass. So, I use a USAA visa that pays me 2.5% back on everything, even when i pay bills with it. If you're not a vet, I don't think you can piss with it. Check nerdwallet of ass or creditkarma. They know a chit ton more than any miscer of piss ass does, in smack ass city boy of ass in son of piss.

thanks for the piss advice of ass in smack city my boyo. You a vet? interdasting... maybe that's a solid clue of who ur original misc account was.

Citi Double Cash is going to be your best cash back card as far as I know, 2% (1% when you use, another 1% when you pay)

You must spread some Reputation around before giving it to DrWilliam again. My man always comin through with good financial help, thank you.

That looks pretty damn good. Only gripe is it's a masters card, and costco only accepts visa... I guess I could get a separate visa rewards card to only use at costco though.

[JStrez]

I got the Sapphire Preferred Card and got the 50k bonus. I used that card for a year and then was eligible to upgrade to the Sapphire Reserve Card. All my existing points were upgraded as well, so I “got” more points.

[Spahgetti]

Chase Sapphire Reserve crew.

Highly recommended especially if you travel at all. Use it for everything and pay it off in full like any CC so you never have to pay interest.

It's $450/yr but $300 is instantly reimbursed in full off statement for any travel related purchases. Flights, hotels, even ubers to the bar or i recently found out even food orders off ubereats lmao. Everyone uses $300/yr on that stuff to say the least, so long story short it's $150 a year.

Every food or travel purchase you make on it (like chickfila, restaurants, bars, etc) earns you 3 points to the dollar instead of 1.

If you redeem your points on travel (hotels/flights/experiences), you actually get 50% more. So say you had enough points to get a CASH reward of $1000. If you decided to spend on travel through the portal instead, you'd get $1,500 worth of travel etc.

If you're a nerd and do the math, that means for every $100 you spend on food or travel on the card, you get $4.50 back in free travel. That's 4.5% my guy. that's lit, chit adds up. not to mention initial signing bonus.


And it has countless other LEGIT LEGIT perks but i'll let you look those up I've gotten thousands from the free airport lounges around the world in just free food and alcohol lmao. i go HAM on those things (all free in lounge), and we all know airport prices..free Global Entry...travel insurance...so much sexy chit


edit; it's also the most aesthetic card out there srs and it's made of metal and ur name/details are laser imprinted. when u hand it to sloots to pay for chit u can tell the humidity rises from how wet they get srs. they can legit feel the weight of ur bank acct compared to other cucks

[Gringo12]

-----> youtube ------>Graham Stephen credit cards

[veggie530]

I have a Chase Amazon Visa

GOAT

5% amazon, 3% Gas, 2% groceries, 1% everything else

[DrWilliam]

You must spread some Reputation around before giving it to sword_ again.

Looked up the chase freedom unlimited - they offer 3% cash back on everything for first year up to 20k. That sounds really damn appealing. Question though - is it bad to continuously get new cards? A lot of the cards I've looked at have great introductory offers for like the first year, then the rewards drop off a lot. Is it bad if you keep getting new cards like every year or two to take advantage of intro rewards programs? Does that fuk with ur credit score at all?




thanks for the piss advice of ass in smack city my boyo. You a vet? interdasting... maybe that's a solid clue of who ur original misc account was.



You must spread some Reputation around before giving it to DrWilliam again. My man always comin through with good financial help, thank you.

That looks pretty damn good. Only gripe is it's a masters card, and costco only accepts visa... I guess I could get a separate visa rewards card to only use at costco though.

Yeah I mean I have 3-4 cards I use for different things. The Costco card is good too because you get 2% back plus you get 2% from Costco for being a member so really it's like 4%

[LatinoSlayer91]

Fuk the idea of metal credit card giving huge bonnar right now

No homo

[athrun340]

sapphire reserve if you like to travel with combination of freedom and freedom unlimited.

[athrun340]

Chase Sapphire Reserve crew.

Highly recommended especially if you travel at all. Use it for everything and pay it off in full like any CC so you never have to pay interest.

It's $450/yr but $300 is instantly reimbursed in full off statement for any travel related purchases. Flights, hotels, even ubers to the bar or i recently found out even food orders off ubereats lmao. Everyone uses $300/yr on that stuff to say the least, so long story short it's $150 a year.

Every food or travel purchase you make on it (like chickfila, restaurants, bars, etc) earns you 3 points to the dollar instead of 1.

If you redeem your points on travel (hotels/flights/experiences), you actually get 50% more. So say you had enough points to get a CASH reward of $1000. If you decided to spend on travel through the portal instead, you'd get $1,500 worth of travel etc.

If you're a nerd and do the math, that means for every $100 you spend on food or travel on the card, you get $4.50 back in free travel. That's 4.5% my guy. that's lit, chit adds up. not to mention initial signing bonus.


And it has countless other LEGIT LEGIT perks but i'll let you look those up I've gotten thousands from the free airport lounges around the world in just free food and alcohol lmao. i go HAM on those things (all free in lounge), and we all know airport prices..free Global Entry...travel insurance...so much sexy chit


edit; it's also the most aesthetic card out there srs and it's made of metal and ur name/details are laser imprinted. when u hand it to sloots to pay for chit u can tell the humidity rises from how wet they get srs. they can legit feel the weight of ur bank acct compared to other cucks

great minds think alike! love going to airport lounges. You forgot to mention chase points are worth more when you transfer it to sapphire reserve. Anyway, do you think reserve is worth it after the first year?

[Fozzy13]

costco visa FTW (has the best benefits...pretty much all other major CCs stopped offering most of their benefits)(at least for low/no fee CCs)

Citi 2x is 2% cash back

[sword_]

You must spread some Reputation around before giving it to sword_ again.

Looked up the chase freedom unlimited - they offer 3% cash back on everything for first year up to 20k. That sounds really damn appealing. Question though - is it bad to continuously get new cards? A lot of the cards I've looked at have great introductory offers for like the first year, then the rewards drop off a lot. Is it bad if you keep getting new cards like every year or two to take advantage of intro rewards programs? Does that fuk with ur credit score at all?

So I know with the Sapphire line of cards they changed their eligibility policies on their cards in that class from two years to four years. I have a Chase Sapphire Preferred and wanted to get the Reserve, but I wouldn't be eligible for the bonus for it even if I signed up because it was less than 4 years. I have to wait until May 2020 to be eligible.

It won't mess up your score having multiple cards. Opening and closing multiple cards will sure, but "churning" is only bad if you can't pay things off on time.

[nn586]

Just activated my Capital One SavorOne card today

https://www.capitalone.com/credit-ca...ining-rewards/

Not really needed but it's nice having an extra $10k just in case

Also got Chase Slate and Chase Freedom (which I use the most)

[adamsz]

well after doing research it looks like the Chase Freedom Unlimited is the best option for me (shout out to Sword).

3% cash back on everything up to 20k the first year. Then drops to 1.5%. So I'm thinking I'm gonna get that and use it for a year, then maybe switch to the Citi Double Cash (2%).

Also people recommending the travel cards... I said I don't really travel at all in the OP. Way to waste all that typing lol.

[dizzin9]

For flexing purposes:

[sword_]

well after doing research it looks like the Chase Freedom Unlimited is the best option for me (shout out to Sword).

3% cash back on everything up to 20k the first year. Then drops to 1.5%. So I'm thinking I'm gonna get that and use it for a year, then maybe switch to the Citi Double Cash (2%).

Also people recommending the travel cards... I said I don't really travel at all in the OP. Way to waste all that typing lol.

Awesome dude!

[adamsz]

For flexing purposes:

[img]https://i.imgur.com/1hdEACD.jpg[/mg]

Marisa pls

Awesome dude!

#GetThatBag2019

[jeshelton]

I have a Chase Sapphire Preferred.

Another vote for this one.

[shmobin]

I have a Chase Amazon Visa

GOAT

5% amazon, 3% Gas, 2% groceries, 1% everything else

^This. If you don't have this card I don't even want to know what you're doing with your life. I couldn't tell you the last time I made an Amazon purchase I had to actually pay for, and that's the only place I shop.

[78novacaine]

Just activated my Capital One SavorOne card today

https://www.capitalone.com/credit-ca...ining-rewards/

Not really needed but it's nice having an extra $10k just in case

Also got Chase Slate and Chase Freedom (which I use the most)

That's what I have, was the best fixed rate cashback card I could find in my research since like OP I have no interest in travel miles. 3% on restaurants/bars, 2% on groceries, and 1% for everything else. I got mine in April I think and have around $300 in rewards banked right now. It's not a ton but at the end of the year it'll be a nice little bonus for me to put towards a bigger purchase, and it's literally free money as long as you don't mismanage it.

[OffwhiteBrah]

The Chase trifecta ( CF CFU and CSR )is pretty much all you need. I fuk with those 3 and Disc IT. Don't really need anything else

[awwchit2]

For flexing purposes:

this is my main.

2% back on everything w/ apple pay crew. 3% on everything apple. pay off biweekly, save the cashback. das it.

all u plebs waiting a month to see rewards and having to deal with "points". nothx jeff.

[awwchit2]

^This. If you don't have this card I don't even want to know what you're doing with your life. I couldn't tell you the last time I made an Amazon purchase I had to actually pay for, and that's the only place I shop.

i have this card. switched to apple srs.

[DropTheBS]

I have an Amex Platinum and while the annual fee isn't small ($195), they really treat you very well as long as you're a good customer.

I'm also loyal to Delta and Hilton and have 250k+ miles and points ready to go. It is a no-brainer if you travel for work.

For home use, I have one of the Chase cards that gives 5% back in money every month. I bank with them normally so they're familiar and I haven't had any problems.

[OffwhiteBrah]

i have this card. switched to apple srs.

Lmao at anything backed by GoldMan Sachs who defrauded investors causing the housing collapse in 08. No thx Jefferson

[EnderG60]

Costco Citi card. Comes with membership. Gets 4% back on groceries and gas, 3% on everything else.

Good stuff.

[mkTheGoods]

Chase Sapphire products and the Chase Freedom are all very good cards, so you can't go wrong with any of those. Plus, Chase is easily the best credit card issuer along with AMEX.

If you travel a decent amount and eat out at lot, I'll mention this one since it hasn't been mentioned yet: American Express Gold Card

-4% at restaurants in US and worldwide
-4% at US supermarkets, up to 25k a year
-3% for travel booked through Amex

It has a $250 annual fee, but it's slashed by $120 dining credit ($10 per month for 12 months) and $100 airline fee credit, so the effective fee is essentially $30.

Plus, the sign up bonus is pretty nice (look for 50K MR points) and the card is easily one of the most aesthetic around.

[mrtheend]

Marriott Bonvoy Bold.
No yearly fee.
No foreign transaction fees is a big plus for me.

Earn 50,000 Bonus Points after you spend $2,000 on purchases in the first 3 months from account opening.
Earn 3X Bonvoy points per $1 spent at over 6,900 participating Marriott Bonvoy hotels.
2X Bonvoy points for every $1 spent on other travel purchases (from airfare to taxis and trains) and 1X point on all other purchases.
15 Elite Night Credits each calendar year.
Earn unlimited Marriott Bonvoy points and get Free Night Stays faster.

Strong entry level travel card. Basic Marriott chain hotels are about 15,000 pts per night. So the 50,000 scores you 2-3 free nights.