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re: looking at moving up in the credit card world
Posted on 3/26/15 at 11:44 am to BACONisMEATcandy
Posted on 3/26/15 at 11:44 am to BACONisMEATcandy
best value.
On the usage
I buy gas, and eat out (a frick ton)
. Like every meal
On the reaping rewards end:
I travel a bit, and buy shite for myself a good bit like golf clubs, shotguns, and shite.
On the usage
I buy gas, and eat out (a frick ton)
. Like every meal On the reaping rewards end:
I travel a bit, and buy shite for myself a good bit like golf clubs, shotguns, and shite.
2
Posted on 3/26/15 at 11:53 am to DirtyMikeandtheBoys
quote:
On the usage
I buy gas, and eat out (a frick ton) . Like every meal
Chase Saphire Preferred gives 2x Dining and seems to be Money Board approved as a solid deal
Sams Club Credit Card is easily best money back card
5% Gas, 3% Dining/Travel
Finding a good mix of cards is the most important if you aren't getting into the signup game. Try to find cards that give you extra for most of your purchase categories.
Posted on 3/26/15 at 12:02 pm to DirtyMikeandtheBoys
I would do the CSP and Chase Freedom combo.
-CSP gives you 2x on dining and travel
-Freedom has rotating categories by quarter for 5% cash back - 2 quarters of gas and one for dining
Plus you have the option of cashback or travel. Travel gives you a 20% bonus.
Also you'll get $500 just for signing up for both of them and meeting the minimum spending requirements - and can combine the points with one another.
Forgot all about this card
Made my Dad get it last fall to use as his primary card. Only downside is the $6k cap on gas. But everything has those caps now 
-CSP gives you 2x on dining and travel
-Freedom has rotating categories by quarter for 5% cash back - 2 quarters of gas and one for dining
Plus you have the option of cashback or travel. Travel gives you a 20% bonus.
Also you'll get $500 just for signing up for both of them and meeting the minimum spending requirements - and can combine the points with one another.
quote:
Sams Club Credit Card is easily best money back card
5% Gas, 3% Dining/Travel
Forgot all about this card
Made my Dad get it last fall to use as his primary card. Only downside is the $6k cap on gas. But everything has those caps now Posted on 3/26/15 at 12:08 pm to BACONisMEATcandy
quote:
-Freedom has rotating categories by quarter for 5% cash back - 2 quarters of gas and one for dining
Any reason why you prefer Freedom to Discover? I legit can't find any differences. With Discover though, I get discounted rewards through partners and solid Shop Discover benefits for increased Cashback
Does Freedom offer that too?
Posted on 3/26/15 at 12:11 pm to BACONisMEATcandy
quote:
Only downside is the $6k cap on gas.
How much does your mom/dad drive? If you bundle this with a Discover/ChaseFreedom then you almost for sure won't come close
I've been thinking of adding Sam's club to make my rotation
-Amex Bluecash - Grocery
-Discover - Rotating rewards + shop discover
-Sams Club Mastercard- Dining/Travel/Gas (commute 80mi/day)
-Citi DoubleCash - For all other purchases
Posted on 3/26/15 at 12:17 pm to GenesChin
2 main reason
Combine them with the CSP points and visa is much more accepted than discover
Combine them with the CSP points and visa is much more accepted than discover
Posted on 3/26/15 at 12:19 pm to BACONisMEATcandy
quote:
Combine them with the CSP points and visa is much more accepted than discover
I regularly use my Discover and have only been denied 1 place in past ~2 years. I don't have CSP though so that isn't valubale to me
I love my discover card but I figured I could love the Freedom too. Just seemed like identical cards minus the name.
This post was edited on 3/26/15 at 12:20 pm
Posted on 3/26/15 at 12:32 pm to GenesChin
they are - combining the points from freedom to csp is huge for travel
I never do the cashback options
I never do the cashback options
Posted on 3/26/15 at 12:40 pm to BACONisMEATcandy
quote:
I never do the cashback options
I never do for Discover. Going on a Cruise in November with fiance and getting $2:$1 in rewards. Makes "trashy" decisions easy to make.
Also, I get 20% off GCs for most retailers I shop with. Works out great I rarely travel excep to visit my folks. Just isn't worth it for me
This post was edited on 3/26/15 at 12:41 pm
Posted on 3/26/15 at 12:54 pm to GenesChin
I run everything through my DL Amex - I mean everything
I only fly enough to hit DL Gold so I puts me into Platinum by doing this and allows me to roll over a good chunk
I am not in a typical situation. I could get better "value" by spending on different cards in different categories but I prioritize my status over that
I only fly enough to hit DL Gold so I puts me into Platinum by doing this and allows me to roll over a good chunk
I am not in a typical situation. I could get better "value" by spending on different cards in different categories but I prioritize my status over that
Posted on 3/26/15 at 1:00 pm to kingbob
So the concensus seems to be Chase Saphire Preferred or Discover IT card? (I know about the Penn one just for gas) Are there any others I'm forgetting about that come highly recommended?
Posted on 3/26/15 at 1:07 pm to kingbob
quote:
So the consensus seems to be Chase Saphire Preferred
If you want travel rewards(usually much bigger bang for buck than cash back) CSP/Freedom is your answer. Game over...You want to dig deeper after you get those, jump in the big CC thread.
Posted on 3/26/15 at 1:16 pm to LSUAfro
CSP vs Freedom
Is the difference in how one gets points or what those points can be spent on?
Is the difference in how one gets points or what those points can be spent on?
Posted on 3/26/15 at 1:20 pm to kingbob
If you are getting a gas card, Sams club gas card > PenFed for most people
Posted on 3/26/15 at 1:23 pm to kingbob
Both - but you can combine the points which is why it's better to have both
Posted on 3/26/15 at 1:29 pm to BACONisMEATcandy
Just got the CSP
Thanks brother
already have a freedom, just not activated currently
Thanks brother
already have a freedom, just not activated currently
This post was edited on 3/26/15 at 1:30 pm
Posted on 3/26/15 at 1:45 pm to BACONisMEATcandy
So I get 5000 bonus points after first authorized user? Is that me or do I need to add someone, then deactivate them later?
Also: Should I route my mortgage payments through the card, then pay down the card immediately with renter income?
Also: Should I route my mortgage payments through the card, then pay down the card immediately with renter income?
Posted on 3/26/15 at 1:49 pm to DirtyMikeandtheBoys
Yes - Add your brother and just keep the card
Yes- if you're willing to do that mortgages are generally tricky to pay with a CC
Teddy is the expert on that - I defer to him
Yes- if you're willing to do that mortgages are generally tricky to pay with a CC
Teddy is the expert on that - I defer to him
Posted on 3/26/15 at 2:11 pm to kingbob
With regards to CSP, they are also 1:1 transfer partners with United. I've seen United miles valued from 1.5 to 2 cents per point.
Posted on 3/26/15 at 2:23 pm to Anfield Road
Is there an annual fee?
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