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/biz/ - Business & Finance

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12654431 No.12654431 [Reply] [Original]

i fucking love credit cards with perks, what cards you guys got

>> No.12654436

Discover

>> No.12654449

>>12654431
Used to have three, or four (kek) now have 0. Debit and cash only, fuck (((credit))). If you can't buy it outright, you can't afford it

>> No.12654457

>>12654449
just spend responsibly my guy, you're missing out on cash back and travel perks. it's literally free money

>> No.12654746

2% cash back on everything.

I get like 250 a year from it

>> No.12654773

>>12654431
>costco visa card from citi
>bofa cash rewards
>discover it (if your just starting to build credit)
All bretty good

Honorable mentions to the bofa better balance card RIP

>> No.12654793

>>12654431
i've been thinking about funneling all my monthly bills through my credit card. do i still get points on rent?

>> No.12654806

707 credit score
$500 capital one limit 1.5% cashback
Useless because the limit is so low and I like to have utilization at 0 or as low as possible.
First credit card and they won't raise it because I've only had it for a few months.

What card should I apply for and will that hard check hurt me. Again less than a year of credit.

>> No.12654810

>>12654793
yup, at minimum 1% back

>> No.12654814

>>12654746
Citi double? i was considering that but went with Chase freedom unlimited for signup bonus, might get that next
>>12654793
if you can pay rent with a card, sure

>> No.12654832

>>12654806
once you hit 1 year of history, get into chase or amex. they're the top dogs right now and i don't see anyone else taking that position anytime soon. recommend chase freedom unlimited, or freedom if you can capitalize on rotating categories

>> No.12654839

>>12654806
Just get Discover It and get their cash back promotions.

>> No.12655030

debt cucks

>> No.12655044

>>12654436
>>12654839
This. The Discover IT card is the best bang for your buck with rewards and no fees. I get 1% back on everything and 5% on rotating categories 3-4 times a year. Currently I'm earning 5% on groceries, but it's also been gas stations, wholesale clubs, and Amazon in the past.

I also have an Amazon Prime card that hardly ever gets used. It gets me 5% cash back on Amazon the other months out of the year that my Discover card isn't earning.

>> No.12655067

>>12655044
how much use do you get out of it during each quarter? most categories that category cards offer don't benefit me much, like gas and wholesale

>> No.12655081

Amex cash preferred for 6% back on groceries and 3% on gas.
Discover for 5% on rotating categories.
Citi Double cash for 2% on everything else.

Always on the lookout for cash back signup bonuses. Right now, my discover is giving 10% cash back instead of 5% for the next 6 months. My amex gave 11% cash back at restaurants for 6 months when I first got it.

>> No.12655089

>>12654449
Sounds like you just have no self control. I only use a CC and pay it off 100% every time. Now I have great credit and free money + other perks

>> No.12655096

>>12654431
citi double cash because I can't be fucked to juggle 5 different cards just to score an average 3% cashback on all my purchases. 2% is enough, bonus point cards are shit to me since I never fly anywhere.

>> No.12655115

I am a college student with literally 0 income, a 770+ credit score, and Discover keeps increasing my LoC so now it's up to over $4k and I've only had it a year. My utilization is going to go down even more and my credit will go up even more, this is amazing.

I LOVE CREDIT CARDS

>> No.12655183

>>12654431

I have a chase freedom unlimited and chase sapphire. I use the sapphire for food and travel and the unlimited for everything else and then combine the points and use them to book flights

>> No.12655277

>>12655030
Imagine thinking than credit cards are for paying Jewish usury tax. Having credit is good and you can pay off your cards every month with zero interest. If you don't like debt then at least get a charge card for fuck's sake.

>> No.12655284

>>12655096
This, desu. I have another card through Citi I got like 15 years ago in college that I keep open solely so it keeps my credit utilization low.

>> No.12655287

>>12655096
Based.

>> No.12655309

>>12655183
Fuck it, this will be my next card. Will apply for one when my Amex 0% APR period runs out.

>> No.12655318

>>12655309
Meant the 2% one from >>12655096
https://www.citi.com/credit-cards/credit-card-details/citi.action?ID=citi-double-cash-credit-card

>> No.12655346
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12655346

>>12654431
Big Black Thick Amazon Prime Dildo Card. Back in Dec, 2017 when I got it they were giving people $75 for signing up. This is how I got my trezor after spending all my monies on Bitcoin at the top. I dont know it was free and gives 5% cash back if I just order everything on Amazon and Whole Foods.

>> No.12655596

>>12654746
that's chump my friend
I get about 150 a week from my 1.5% card

>> No.12655620

>>12655596
if you spend enough money to get 150 dollars per week and you're doing it on a 1.5% card, you're doing it wrong

>> No.12655640

make a website selling online courses through stripe
buy from yourself
max out point rewards
profit

>> No.12655657

>>12655044
but the groceries have to be from standalone stores, ie not anywhere with good prices like walmart

>> No.12655672

>>12654431
Is there any credit card with at least 25% cash back?

>> No.12655740

>>12655672
no lol, that's fucking nuts
5% is generally the highest, and that's for specific spending categories

>> No.12655796

I got a motherfucking banana republic card