Best credit card rewards ?

HAECO Americas / Eng Paperbag
Aug 27, 2018 37 Comments

So I didn’t actually get my first credit card until very recently (amazon prime credit card w/ Chase).
They have decent rewards but anything else out there worth knowing about ?

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TOP 37 Comments
  • New / Product
    nicebot

    New Product

    BIO
    Need leads to PM roles in SF. Thank you!!
    nicebotmore
    Read /r/churning
    Aug 27, 2018 0
  • Amazon TC 401K
    Uber credit card: 4% back at restaurants, 3% on travel, 2% on online purchases

    Citi Double Cash: 2% on everything

    Amex Blue Cash Everyday: 3% back on groceries
    Aug 27, 2018 2
    • HAECO Americas / Eng Paperbag
      OP
      3% on groceries is the best I’ve seen yet.
      Aug 27, 2018
    • Amazon TC 401K
      You might have low chances if you got your first card recently. I'd sign up for Credit Karma to check your approval odds. Also, Amex has a card with 6% back on groceries but that has an annual fee.
      Aug 27, 2018
  • Intuit / Eng Gutgut
    Chase sapphire preferred any day!
    Aug 27, 2018 3
    • HAECO Americas / Eng Paperbag
      OP
      I just got this one as well !
      Aug 27, 2018
    • Amazon / Eng ᕕ( ᐛ )ᕗ
      Should have gotten the reserve.
      Aug 27, 2018
    • Microsoft Fpqq57
      Reserve was better when they had the 100k UR points sign up. Just meh now at 50k.
      Aug 27, 2018
  • Amazon liste
    Bank of America premium rewards card but only if you put 100k into a Merrill Edge account (I parked 100k in a Vanguard ETF there). This multiplies points on all BoA cards by 1.75 which then gets you:

    2.63% back on everything
    3.5% back on dining and travel

    Also no foreign fee.

    If you add their Cash Rewards card it also then pays 3.5% back at warehouse stores (eg Costco) and 5.25% back on gas (including at Costco). You need to get a cobranded version to get a visa if you want to shop Costco otherwise it's a MasterCard by default. The one with the WWF branding is a visa for example.

    You need to be a citizen or greencard holder to open the required account with Merrill Edge otherwise you don't get the 1.75 multiplier and the bonuses are much less. Then you with be better off with Citi DC and Citi Costco visa.

    I also have the Amazon Chase card which gives me 5 percent back at Whole Foods. I do all my shopping between WF (5%) and Costco (3.5%).
    Aug 27, 2018 8
    • Amazon liste
      That's the no fee travel card. The premium rewards card gets 2 percent in travel and dining which is 3.5 percent with the multiplier. You get 2.63 on everything else. It has an annual fee but you can get the fee back from travel credits (credits for airline incidental, global entry, etc).
      Aug 27, 2018
    • Microsoft / Eng
      Avios

      Microsoft Eng

      PRE
      Bank of America
      Aviosmore
      For anyone with a 100k portfolio just get into the miles game and stop earning cash back pennies.
      Aug 27, 2018
    • Amazon liste
      I can earn more in an hour of working than an hour of playing the miles game so I like my cash back
      Aug 28, 2018
    • Microsoft / Eng
      Avios

      Microsoft Eng

      PRE
      Bank of America
      Aviosmore
      Is it common in Amazon to get paid by hour? I mean unless you're an escort or work in the warehouse.

      But you're probably right if most of your income is spent at Costco you're better off with cash back or food stamps.
      Aug 28, 2018
    • Amazon liste
      No, but I could pick up a consulting gig and make more than hunting deals on travel cards. I don't do either.

      Sounds like you do, though....
      Aug 28, 2018
  • State Farm Locandro
    Chase Freedom Unlimited has no annual fees and unlimited 1.5% on everything.
    Aug 27, 2018 5
    • Microsoft / Product @zzz
      Fidelity has unlimited, no fees and 2% on everything.
      Aug 27, 2018
    • State Farm Locandro
      Thanks will look into it. Is there any drawbacks to using Fidelity vs. traditional Brick&Mortar banks?
      Aug 27, 2018
    • Microsoft / Product @zzz
      What do you mean brick and mortar? Do you mean size, local banks, or unions?
      Aug 27, 2018
    • State Farm Locandro
      Yep.
      Aug 27, 2018
    • Microsoft / Product @zzz
      Usually the big banks have the best cards. But if you are starting out credit unions are good.

      I won't go for local banks. Don't care about the personal touch they claim to provide. All I need is reliable online experiences so I don't have to deal with people. Local banks can however be good for some types of loans, but then again I feel big banks can always out muscle them on rates.
      Aug 27, 2018
  • Bank of The West / Product
    FIndian5’6

    Bank of The West Product

    PRE
    Cisco, eBay, NetApp, VMware
    BIO
    TC = 450k
    FIndian5’6more
    Citi Costco card if you shop at Costco
    Aug 27, 2018 0
  • Uber / Eng
    @w@

    Uber Eng

    PRE
    Capital One
    @w@more
    Chase Sapphire Reserve + American Express Platinum

    Great rewards and benefits. I have both.
    Aug 27, 2018 3
    • Axtria 💗69
      How much credit score is required for these?
      Aug 27, 2018
    • Uber / Eng
      @w@

      Uber Eng

      PRE
      Capital One
      @w@more
      I'm not sure. Mine has always ranged between 750-825
      Aug 27, 2018
    • Microsoft / Eng
      Avios

      Microsoft Eng

      PRE
      Bank of America
      Aviosmore
      You'll be surprised but from my personal experience cards with the higher fees tend to have lower requirements. 720 should be good!
      Aug 27, 2018
  • Microsoft BrqT47
    I definitely would consider adding at least one of the premium credit cards to your wallet (citi prestige, amex platinum, chase reserve or the new amex spg lux). Although they all have fees of 450$+ usually 200-300$ of those is unset by annual statement credits for travel/hotels not even including the opening bonus (usually 1k value)

    Which one to chose would depend on your spending pattern and available opening bonuses. They all come with priority pass select allowing lounge access for you and your guests, which is great addition if you fly at least few times a year. Amex platinum would also include Centurion lounges limited to few airports (including SEA) which might be benefitial as I've seen some lounges pulling the priority pass including the Alaska lounges in Seattle due to being overcrowded.

    I like citi prestige for their 4th night free at any hotel with no annual limit potentially allowing to save thousands if you like high end hotels.

    Also don't forget to check for pre-qualified offers from credit cards or card match sites. Recently saw 100k bonus there for amex platinum (60k reg).

    If you want to stick to non fee cards few of them give 5% cash back on few categories like discover, chase freedom, usbank cash+, amazon card etc.
    Aug 27, 2018 2
    • Microsoft / Eng
      Avios

      Microsoft Eng

      PRE
      Bank of America
      Aviosmore
      Edit: if you planning to have 5+ cards start with Chase because of the 5/24 rule.
      Aug 27, 2018
    • New ccgP80
      City prestige limits it now for just 2 nights per year.
      Aug 19
  • New She7
    CSR CSP double dip if you're under 5/24 and can get the 8k/3 Mos, (reward is like $500 for each card)

    CF/CFU are both useful to get in the chase system, if you have limited credit history, so that you establish a relationship with them and are more likely to get approved for their better cards

    Uber Visa and Amex BCE/BCP are great regular cashback cards for different categories, although some of the above cards can be better. BCP has an annual fee but if you spend enough on gas/groceries it can be very profitable
    Aug 27, 2018 2
    • Uber / Eng
      @w@

      Uber Eng

      PRE
      Capital One
      @w@more
      Chase got rid of double dipping on Sapphire cards last year. They're counted as the same "brand"
      Aug 27, 2018
    • New She7
      You can do them the same day. I got mine several months ago
      Aug 27, 2018
  • Amazon Insomzonia
    I get Skymiles with my Gold Delta Amex. It was easy to qualify for and I’ve taken 3 free flights so far!
    Aug 27, 2018 1
    • Microsoft / Eng
      Avios

      Microsoft Eng

      PRE
      Bank of America
      Aviosmore
      OK card to have if you fly delta with checked in luggage. Otherwise use amex gold (platinum even better but fee wouldn't be compatible) or spg as you can still transfer points to skymiles but also gives flexibility to transfer elsewhere. Even getting Citi Premier or Chase Sapphire gives you a better earning rate and allowed booking delta flights if transfered to Virgin Atlantic or Flying blue. Booking with VA actually allows you to save miles especially for premium cabins where delta tend to overprice them inconsistently. e.g. You can book a delta one flight Seattle to Tokyo with Virgin Atlantic for 60k where booking with delta cost you 100k+ skymiles.
      Aug 27, 2018
  • LinkedIn Zeiwkf5
    Chase southwest for 50k instant points. That’s worth about $800. Chase sapphire is almost as good.
    Aug 27, 2018 0

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