Does anyone put all or most of their expenses on a rewards credit card? If so which one do you use? What do you recommend?
Credit Cards Rewards
- Thread starter Boogie Fan
- Start date
I use capital one venture and get reward miles. If you travel a lot I recommend this one.
Paddock pays straight cash, homie. Airlines reward us for the privilege of having us on their plane.
While it goes against Paddock protocol, I have the Marriott Chase Visa card. Have been happy with it and have enjoyed free stays in Vegas, NYC and other cities. Use it as my "debit" card and pay it off monthly. If you enjoy traveling, I would tell you to look into a hotel or airlines reward card.
Delta AMEX.
If they would let us pay our mortgage, we would. I know it is technically possible, but we have full-time careers, so jumping through all the hoops to cash out gift cards to then pay Wells Fargo is not something we have time for.
FlyerTalk is the more appropriate forum for all the ins/outs of any/all reward credit cards.
If they would let us pay our mortgage, we would. I know it is technically possible, but we have full-time careers, so jumping through all the hoops to cash out gift cards to then pay Wells Fargo is not something we have time for.
FlyerTalk is the more appropriate forum for all the ins/outs of any/all reward credit cards.
Against Paddock protocol? Dude, we're credit card churning fools.
start with -> thepointsguy.com or millionmilesecrets.com
Pick up Saphire and/or SPG as your everyday cards and figure out the southwest companion pass to start with. After that sky is the limit.
start with -> thepointsguy.com or millionmilesecrets.com
Pick up Saphire and/or SPG as your everyday cards and figure out the southwest companion pass to start with. After that sky is the limit.
Yeah, I think it cuts off at 6k. we have that card as well. Really the only decent card for groceries which stinks b/c that's our biggest expense. I'd like to be earning bonus points on it with a better value.
I just got the Delta AMEX b/c I was booking some flights on Delta, got $50 credit and 50k points plus free checked bags which should equate to a decent little clip. I wouldn't start with this card though. Delta's skymiles aren't the most friendly, like everything else with that company.
If you're near a SW hub you want to start with the companion pass. It's easily the best deal in credit cards. If not then Saphire plus a couple Chase Ink's and the SPG card. Those are the most flexible.
If you're looking to really churn them out and do some crazy travel you can, if you're looking for more basic stuff ^.
What's the best card for hotel rewards? We don't fly much at all, but we do take a lot of weekend trips so earning hotel reward points makes more sense for us IMO. Currently have the Hilton HHonors.
Cap One. 1.5% on every charge. Not great but better than most and it's a free card.
Currently have
Chase Freedom Rotating 5% cash back categories
AMEX Blue Cash Everyday
Chase Marriot Rewards
Chase Sapphire
Havent used any rewards within the last year. Looking at a free vacation next year including all expenses. Only thing that doesnt get put on a credit card is mortgage and car payments.
Chase Freedom Rotating 5% cash back categories
AMEX Blue Cash Everyday
Chase Marriot Rewards
Chase Sapphire
Havent used any rewards within the last year. Looking at a free vacation next year including all expenses. Only thing that doesnt get put on a credit card is mortgage and car payments.
Spg is the best hotel card. Points transfer easily. Most hotel cards have poor value.
Discover IT. Love having the FICO Credit Score at hand. Lets me know if I need to watch my borrowing. The rewards are pretty decent.. 1% back on everything and 5% rotating categories. Sometimes the category is good (Gas) and sometimes it sucks (Home improvement).
I like the cards that are offering 1% on charges and 1% on payment. If you're financial responsible, no reason that shouldn't be 2% on everything.
I usually just put the money back into the account to pay the bill down... but Amazon does show me my rewards, so that gets me sometimes.
I like the cards that are offering 1% on charges and 1% on payment. If you're financial responsible, no reason that shouldn't be 2% on everything.
I usually just put the money back into the account to pay the bill down... but Amazon does show me my rewards, so that gets me sometimes.
Would agree the Chase Sapphire is one of the best overall rewards card. 2x points on dining and travel, 3x on dinner first Friday. Universal system that also allows you to transfer points to the Chase family of Cards.
Airline: Really you need to just kind of wait these out, see when they run the best deals and then snatch them up.
Delta: I got 60k miles for doing platinum
Southwest: Study the companion pass. Think I got 50k
United: I got 50k miles
American: I got 50k miles.
Best hotel:
SPG, most value per point. Think I got 25k
Marriot is probably the worst, as you can get some properties over 70k points. Sounds great when they offer huge intro but it doesn't go very far unless your staying at the low end properties.
Hyatt is a good one, 2 free nights, anywhere, anytime.
Hilton is decent. Just got 75,000 points with the no fee card.
Cashback: Did the Amex blue cash preferred, but yes it tops out at 6k. So you pay for the card and net like an extra $150-200.
Just got the Citi thank you card. Offers 3x points on travel, can redeem points for gift cards too.
Airline: Really you need to just kind of wait these out, see when they run the best deals and then snatch them up.
Delta: I got 60k miles for doing platinum
Southwest: Study the companion pass. Think I got 50k
United: I got 50k miles
American: I got 50k miles.
Best hotel:
SPG, most value per point. Think I got 25k
Marriot is probably the worst, as you can get some properties over 70k points. Sounds great when they offer huge intro but it doesn't go very far unless your staying at the low end properties.
Hyatt is a good one, 2 free nights, anywhere, anytime.
Hilton is decent. Just got 75,000 points with the no fee card.
Cashback: Did the Amex blue cash preferred, but yes it tops out at 6k. So you pay for the card and net like an extra $150-200.
Just got the Citi thank you card. Offers 3x points on travel, can redeem points for gift cards too.
I use two cards...Capital One Venture and the Chase Amazon Visa. Most purchases go on the Capital One since you get 2% back on everything, but you really only want that card if you travel fairly regularly as the 2% only applies to travel rewards.
We do most of our shopping on Amazon and get 3% back on all purchases with the card from Chase. Points are automatically added to the Amazon account tied to the card every month...we've found that we're able to get about $15-30 worth of credits each month. No annual fee.
We do most of our shopping on Amazon and get 3% back on all purchases with the card from Chase. Points are automatically added to the Amazon account tied to the card every month...we've found that we're able to get about $15-30 worth of credits each month. No annual fee.
Read something where people said the Amazon Chase card starts charging you interest from the date of purchase, instead the end of the billing period. Any truth to this?
Not sure about that actually. We keep a zero balance so I've never had to deal with any interest charges.
Chase Business Ink bold for my company. Switched all our vendors over about three years ago and couldn't be happier with it. Just absolutely clean up with it.
Chase Sapphire for personal. Both have been my first forays into cards after being largely against them....if used responsibily it's crazy not take advantage of.
One thing I've always wondered....when's Uncle Sam going to get hip to this? I've asked accountants/bankers/sages when it's going to start getting taxed in some form and everyone agrees that it's a rebate not income, but I guess I can't help thinking they'll reign it in at some point.
Chase Sapphire for personal. Both have been my first forays into cards after being largely against them....if used responsibily it's crazy not take advantage of.
One thing I've always wondered....when's Uncle Sam going to get hip to this? I've asked accountants/bankers/sages when it's going to start getting taxed in some form and everyone agrees that it's a rebate not income, but I guess I can't help thinking they'll reign it in at some point.
Yep.
Sam is fully aware of what's going on and I assume banks are making sure the points for businesses stay classified exactly as they are.
I think that's the Blue Preferred, not just Blue, to get the 6%, right? It's $75 annual fee BUT $150 back if charge $1K in first three months - pretty easy. So that pays for the first two years fee. Also 3% on gas I think. Pretty sweet if big groceries bills.
I've thought about getting it, but so far have stuck to free Citi Double Cash at 2% on everything.
I agree on $6K groceries limit, but 6% of $6K is $360-$75 fee = $295 or still basically 5%.
Delta Platinum @ $150/yr gets a companion ticket every year also. Hard to find $150 tickets.
Think its actually $195 for Delta platinum.
The companion pass is on a paid ticket, so you can't use miles and companion pass at same time.
The priority boarding is a bit misleading too, you only get zone 1...which is still better than nothing.
Priority boarding is stupid.
Fees are sometimes able to be waived or you can switch cards to avoid them. I think their are 2 Blue cards. 1 for cash back and 1 for points. So rotate them 1 year, 1 year, switch to partner, 1 year, 1 year.
Fees are sometimes able to be waived or you can switch cards to avoid them. I think their are 2 Blue cards. 1 for cash back and 1 for points. So rotate them 1 year, 1 year, switch to partner, 1 year, 1 year.
If the annual fee results in a valuable Free Night Cert or Bonus, I'll keep the card if it makes sense -- if not, I'll cancel.
Even if you forget, you can cancel/waive the fee up to 60 days with ease. Just send a secure message requesting such, and it will be taken care of, closed, and credited.
...and sometimes you can still keep the free anny cert, and also get your annual fee waived/credited after closure.
Even if you forget, you can cancel/waive the fee up to 60 days with ease. Just send a secure message requesting such, and it will be taken care of, closed, and credited.
...and sometimes you can still keep the free anny cert, and also get your annual fee waived/credited after closure.
I like getting on the plane first and storing my bag overhead. Not sure what's so stupid about that.
Rush to get on and sit down. Meh. Only place it makes sense is SW. All other airlines let you select seats.
Lol, the "make sure I have bin space" again.
Please let me know the first time this happens to you, or anyone that you know (not having bin space) And if it does, it just means you're flying SW & *completely* forgot to check in...which would be your own damn fault. And even then, you'd have about a 98% chance of finding bin space on the way to your middle seat in the last row.
Please let me know the first time this happens to you, or anyone that you know (not having bin space) And if it does, it just means you're flying SW & *completely* forgot to check in...which would be your own damn fault. And even then, you'd have about a 98% chance of finding bin space on the way to your middle seat in the last row.
I know you've only been flying a few years, but yes, this has in fact happened to me before. And I usually fly Delta.
I hate checking a bag if I don't have to, especially when there is a connection. Sometimes the bag doesn't make it. And yes this has also happened to me.
I've flown a ton and the only time my checked didn't make it was the disaster ice storm in Dallas.
I hate carry on. Annoying *** people rolling their oversized bag all over your feet. If you're not a business traveler(professional traveler) then chill the f*ck out and check your bag.
I hate carry on. Annoying *** people rolling their oversized bag all over your feet. If you're not a business traveler(professional traveler) then chill the f*ck out and check your bag.