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Discussion in 'The Okie Corral' started by *ASH*, Feb 24, 2017.
looking for one that offers the best perks
My best ones were cut up into tiny pieces to never be seen again.
The best credit card is.......no credit card.
I have a few but my favorite is the Amazon Chase Visa. 5% back on Amazon purchases, 2% on some other stuff (gas/food/groceries I think), and 1% on everything else. No annual fee. Not too bad.
yeah ive never had one , my dad always said if you cant pay cash you dont need it lol
but id like to have now just to have in case of ..
I hate them. We have 1... It stays in the gun safe and is only used when traveling. We went on a cruise and I hated the idea of carrying cash on the cruise and in port, but I hated using my debit card even more.
That's just not true. Lots of cards offer rewards in the form of cash back, airline miles, points to be redeemed, etc... pay the balance off each month and there's no reason not to use one.
I buy everything with either a Delta Skymiles AMEX or a Southwest Rapir Rewards Visa. Haven't purchased airfare in several years
Pretty vague, cash back, travel, 0% for 21-36 month, etc?
There are no good credit cards. Just get one that has rewards for something you're interested in, then pay your monthly bills with it, then pay it off every month.
Nonsense. Used responsibly, credit cards are great. My current favorite is the Citi doublecash that effectively pays an unlimited 2% on all purchases. No annual fee. I never carry a balance. I basically just get back 2% of all my spending on it.
I have one that 2% goes in a Fidelity Investment 529 with all the returns over the years I think I'm effectively getting 5% back.
I used to think that. Paid cash for everything.
Then I got to thinking.
Why not set a CC up to be automatically paid in full every month (just like paying cash) and get the "cash back".
So now with the cash back I pay for my car gas. It's like found money.
Agreed. I use mine often.
I use a CC everyday. I have not carried a balance on one for over 20 years. Plenty of free flights, free hotel stays, and cash back.
We have a USBANK card for most purchases which earns points. We have a USAA card which earns cash back. Different purchases earn different perks and we use accordingly.
As long as you can pay it back monthly, C's are not bad things.
I have 4 cards. 1 for paying monthly bills, 1 for internet purchases and 2 rotating depending on the cash back deal going that quarter or month. Usually one is for gas with 5% and the other for everything else. 1 was for work when I traveled a lot. I don't carry a balance and the rewards is like free money.
The one you find on the ground outside Cabela's just before you go in...
The irony is noted. HH