Best credit card rewards ?
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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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 ?
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
3% on groceries is the best I’ve seen yet.
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.
Chase sapphire preferred any day!
I just got this one as well !
Should have gotten the reserve.
Chase Freedom Unlimited has no annual fees and unlimited 1.5% on everything.
Fidelity has unlimited, no fees and 2% on everything.
Thanks will look into it. Is there any drawbacks to using Fidelity vs. traditional Brick&Mortar banks?
Chase southwest for 50k instant points. That’s worth about $800. Chase sapphire is almost as good.
Chase Sapphire Reserve + American Express Platinum Great rewards and benefits. I have both.
Read /r/churning
I get Skymiles with my Gold Delta Amex. It was easy to qualify for and I’ve taken 3 free flights so far!
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.
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
Chase got rid of double dipping on Sapphire cards last year. They're counted as the same "brand"
You can do them the same day. I got mine several months ago
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%).
Sounds good. Need to get to the 100k first.
You get a smaller multiplier at 50k and an even smaller one at 20k so you can work up to it. I think it starts beating the Citi cards at 50k and isn't worth it at 20k. Merrill will try and convince you to buy expensive funds and such but just park money in Vanguard funds and it costs nothing assuming you were saving for retirement anyway. Can be an IRA or a regular brokerage account.
Citi Costco card if you shop at Costco