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Old 04-02-2013, 08:54 PM  
crispystl crispystl is offline
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Best Cash Rewards Card?

I searched the forum and I did find an OLD thread about this, but it was archived, and I've scoured the internet and will keep looking. But I figure someone like Rainman can point me in the direction to a good one. I'm looking for the best cash rewards card so I can use it to pay mortgage etc etc... and clear the balance at the end of the month. I have good credit. I guess I'm open to gas or groceries too but I'd prefer cash.

Thanks in advance!
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Old 04-02-2013, 08:56 PM   #2
Nightfyre Nightfyre is offline
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I use my Chase Freedom card. It's pretty legit. No annual fee.
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Old 04-02-2013, 09:01 PM   #3
DaFace DaFace is offline
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My current arsenal includes:

Primary: Discover Escape card ($60 annual fee, but essentially a 2% on everything card if you use the rewards for travel refunds or Amazon. Also has nice point bonuses for the first couple years.)
Secondary: American Express Costco card (3% at gas stations and restaurants, and 1% at Costco, where they don't take anything but AmEx.
Backup: Amazon Visa card (3% on Amazon purchases and works places that don't take the other two)

Of course, that works best for a Costco member who shops a lot on Amazon.
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Old 04-02-2013, 09:03 PM   #4
Kidd Lex Kidd Lex is offline
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I use chase sapphire, it's points can be transferred to anything one for one, and the cards heavy, not important, and yet...it is.
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Old 04-02-2013, 09:08 PM   #5
Jewish Rabbi Jewish Rabbi is offline
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Posted this in the other thread, but here is my lineup:

PenFed Cash rewards for unlimited 5% on gas.
US Bank Cash+ gives me unlimited 5% on bill pay (which they're doing away with and going to just phone bills) and restaurants.
Amex Blue Cash Preferred 6% (up to $6000 annually) on groceries.
Chase Freedom and Discover More have rotating quarterly 5% categories (capped at $1500).
Priceline Rewards Visa for unlimited 2% on everything else.

None of these have fees except the Amex BCP ($75/year), it also comes in a no fee version with 3% cash back, so it depends on how many groceries you buy.

I will also "churn" a couple cards a year to get good signup bonuses. There are probably some better rewards out there if you value frequent flyer miles, but I prefer cash back and have found these cards to be among the best out there.
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Old 04-02-2013, 09:10 PM   #6
Jewish Rabbi Jewish Rabbi is offline
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I also don't really know how you're going to pay your mortgage with your credit card without a lot of workarounds... Most banks won't allow that. Let me know if yours does so I can look there when it comes time to buy a house, heh.
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Old 04-02-2013, 09:12 PM   #7
crispystl crispystl is offline
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US Bank Cash+ gives me unlimited 5% on bill pay (which they're doing away with and going to just phone bills) and restaurants.


Can I still get in? That's what I'M talking bout!
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Old 04-02-2013, 09:12 PM   #8
Jewish Rabbi Jewish Rabbi is offline
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I also really don't like paying annual fees for my cards, so there is opportunity there if you're willing to bite that bullet.
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Old 04-02-2013, 09:13 PM   #9
crispystl crispystl is offline
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Originally Posted by Jewish Rabbi View Post
I also don't really know how you're going to pay your mortgage with your credit card without a lot of workarounds... Most banks won't allow that. Let me know if yours does so I can look there when it comes time to buy a house, heh.
I called my bank and they said i can do it as long as it's a card from a different lender than my mortgage lender.
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Old 04-02-2013, 09:13 PM   #10
Jewish Rabbi Jewish Rabbi is offline
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Quote:
Originally Posted by crispystl420 View Post
US Bank Cash+ gives me unlimited 5% on bill pay (which they're doing away with and going to just phone bills) and restaurants.


Can I still get in? That's what I'M talking bout!
It used to be for ALL bill pay. That ended this quarter and was replaced with just cell phones. They still have quite a broad range of categories that give you 5% CB.

https://www.usbank.com/credit-cards/...signature.html
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Old 04-02-2013, 09:14 PM   #11
Jewish Rabbi Jewish Rabbi is offline
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Quote:
Originally Posted by crispystl420 View Post
I called my bank and they said i can do it as long as it's a card from a different lender than my mortgage lender.
Damn! Nice brotha. No reason not to sign up for that Priceline card and start collecting 2% CB on that.
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Old 04-02-2013, 09:15 PM   #12
The Franchise The Franchise is offline
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Quote:
Originally Posted by crispystl420 View Post
I called my bank and they said i can do it as long as it's a card from a different lender than my mortgage lender.
Seriously? What bank?
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Old 04-02-2013, 09:15 PM   #13
crispystl crispystl is offline
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Join Date: Jun 2004
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Quote:
Originally Posted by crispystl420 View Post
US Bank Cash+ gives me unlimited 5% on bill pay (which they're doing away with and going to just phone bills) and restaurants.


Can I still get in? That's what I'M talking bout!
Damn, no longer available.
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crispystl Forgot to Remove His Claytex and Got Toxic Shock Syndrome.crispystl Forgot to Remove His Claytex and Got Toxic Shock Syndrome.crispystl Forgot to Remove His Claytex and Got Toxic Shock Syndrome.crispystl Forgot to Remove His Claytex and Got Toxic Shock Syndrome.crispystl Forgot to Remove His Claytex and Got Toxic Shock Syndrome.crispystl Forgot to Remove His Claytex and Got Toxic Shock Syndrome.crispystl Forgot to Remove His Claytex and Got Toxic Shock Syndrome.crispystl Forgot to Remove His Claytex and Got Toxic Shock Syndrome.crispystl Forgot to Remove His Claytex and Got Toxic Shock Syndrome.crispystl Forgot to Remove His Claytex and Got Toxic Shock Syndrome.crispystl Forgot to Remove His Claytex and Got Toxic Shock Syndrome.
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Old 04-02-2013, 09:15 PM   #14
crispystl crispystl is offline
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Originally Posted by Pestilence View Post
Seriously? What bank?
Bank of America
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Old 04-02-2013, 09:17 PM   #15
crispystl crispystl is offline
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Originally Posted by Jewish Rabbi View Post
Damn! Nice brotha. No reason not to sign up for that Priceline card and start collecting 2% CB on that.
Dude, ALL I do after work is surf the net and call around to save money. I'm trying to start a business and I need FREE capital.
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crispystl Forgot to Remove His Claytex and Got Toxic Shock Syndrome.crispystl Forgot to Remove His Claytex and Got Toxic Shock Syndrome.crispystl Forgot to Remove His Claytex and Got Toxic Shock Syndrome.crispystl Forgot to Remove His Claytex and Got Toxic Shock Syndrome.crispystl Forgot to Remove His Claytex and Got Toxic Shock Syndrome.crispystl Forgot to Remove His Claytex and Got Toxic Shock Syndrome.crispystl Forgot to Remove His Claytex and Got Toxic Shock Syndrome.crispystl Forgot to Remove His Claytex and Got Toxic Shock Syndrome.crispystl Forgot to Remove His Claytex and Got Toxic Shock Syndrome.crispystl Forgot to Remove His Claytex and Got Toxic Shock Syndrome.crispystl Forgot to Remove His Claytex and Got Toxic Shock Syndrome.
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