Credit card with best rewards?
General Topic
Contributors to this thread:
Z Barebow 21-Nov-17
Brotsky 21-Nov-17
KC 21-Nov-17
ohiohunter 21-Nov-17
tobinsghost 21-Nov-17
IdyllwildArcher 21-Nov-17
Bowfreak 21-Nov-17
BOX CALL 21-Nov-17
Jack Harris 21-Nov-17
StickFlicker 21-Nov-17
jims 21-Nov-17
DRR324 21-Nov-17
tobinsghost 21-Nov-17
Charlie Rehor 21-Nov-17
Trial153 21-Nov-17
StickFlicker 22-Nov-17
DRR324 22-Nov-17
cord 62 22-Nov-17
From: Z Barebow
21-Nov-17
OK. I would like a better credit card. I don't worry too much about interest as I pay my balance every month. My credit rating is very good. Who has the best cash back programs? Basically I want to make the most money off of my purchases! I currently have a Cabelas Card but 1% on non Cabelas purchases is pretty generic. Thanks in advance.

From: Brotsky
21-Nov-17
I like my Citi double cash card. 2% cash back on everything, no fees, etc. I build up my cash back balance all year and then cash it in on hunting gear when it goes on sale at the end of the season. This year I cashed it in on gear for my girls and they are now Sitka queens! Ha!

From: KC
21-Nov-17
I use a GM rewards card. 5% back toward the purchase or lease of a GM product

From: ohiohunter
21-Nov-17
x2 on the citi double cash. If you like multiple cards you could pick up a Shell card too which pays 4 or 5% back on their gas. I had a 4-3-2-1% card that paid those % for different categories, after some sweet math skills the Citi-double card paid me more... and no annual fee.

From: tobinsghost
21-Nov-17
Costco citi card and Alaskan Airlines cc. Going to Africa in September, so trying to get a free tix or two!

21-Nov-17
There's literally an organization that compares and rates credit cards. You can find it with Google. As far as money/rewards goes, nothing is better than the gasoline visa/MCs when you're buying gasoline only (5% cash back). I have a gas card for gas, but buy everything else with my Alaska Airlines credit card because I fly between AK and the lower 48 several times per year so it only makes sense.

From: Bowfreak
21-Nov-17
In before the guy who will post that using a credit card is horrible and that everyone should just roll like Randy Moss. "Straight Cash Homie!"

From: BOX CALL
21-Nov-17
I'm retired and got in over my head with the 5.000.00 limit master card .paid it off and don't use it anymore.there just too easy to use,then the payments come due.

From: Jack Harris
21-Nov-17
I have been faithful to my cabelas card for years seems anytime I need something I have enough points to cover it. Trail cams, arrows, clothing, fishing tackle - always seem to have enough points...

From: StickFlicker
21-Nov-17

StickFlicker's Link
No single card is best for everything. I have a few cards, and know which to use to maximize various purchases.

Tobinsghost, if you're looking for a free ticket to Africa, there is no better airline flight to South Africa than on Delta. See my link for a quick way to earn a large chunk of Delta miles at one time (73,000 miles just for spending $3,000 on your card over 90 days). Last summer, there were plenty of flights for $80,000 round trip. You and your spouse (or whoever else is going with you) could both sign-up for a card, and easily have enough miles in time for next summer. Delta points never expire once earned, and if there's even one ticket available on a flight you can get it with miles (not limited like many other airlines).

From: jims
21-Nov-17
I've gotten a couple free Alaska trips by signing up for Alaska Air Credit Cards. They charged a yearly fee after the first year so I cancelled them.

I now use Chase Saphire Preferred. I got a pile of pts when I signed up and used their card to purchase so many $ of stuff the first month or 2. I bought another round trip Alaska trip with pts when I signed up for the Chase card. The Chase card is nice because I can convert points to instant $ instead of having to put the pts towards flights or products. I like the cash idea!

From: DRR324
21-Nov-17
Chase Sapphire Preferred here as well. Great card with easy to use rewards. Built a new house last year, paid for most of it with the card. It pretty much covered our 12 day Hawaii trip for our 25th anniversary last May. We pay for everything with it, bills, food, etc. Just pay it off at end of the month and reap the rewards!

From: tobinsghost
21-Nov-17
SF,

Thx, looking into it.

21-Nov-17
Good results with B of A Visa

From: Trial153
21-Nov-17
we double up and use two cards for all our bills and expenses. First is an american express blue cash everyday and second is a BOA rewards visa. we max out the limits on both cards typically. The average return last year was slightly over 2%.

From: StickFlicker
22-Nov-17

StickFlicker's embedded Photo
Comparison of the Two Different Sapphire Cards
StickFlicker's embedded Photo
Comparison of the Two Different Sapphire Cards

StickFlicker's Link
Chase actually has two Sapphire cards, Preferred (as DRR324 mentioned above) and Reserved, the latter allows you to get more value from your points than the Preferred card and you also earn them at a higher rate per dollar spent for some items. For those that already have the Preferred or Chase Freedom, you can get the Reserved and transfer the points from those two cards over to the Reserved to spend them. That way, they will have a higher value when used to purchase travel than if you spend them while under the other two cards. It has a higher annual fee, but for those that travel you can get almost all of it back in credits. They give you a $300 statement credit once you spend $300 or more on travel (even parking, Uber and many other things are considered travel. I just paid parking for work and received it.) Reserved will also give you a $100 statement credit if you sign-up for Global Entry or TSA Pre Check (which I know many on here have said is well worth the money). I've attached a link if you want to look at all of the benefits on Chase's website. I've had almost every travel card at one time or another, some of them more than once. Obtaining the sign-up bonus for new cards is the way to earn lots of points/miles fast if you have a trip this year, not earning them slowly on purchases.

From: DRR324
22-Nov-17
Thanks SF, I will check into the Reserved card. My wife and I make one "big" trip annually, this might help for sure...

From: cord 62
22-Nov-17
Whats in your wallet?

  • Sitka Gear