Best credit card rewards ?

HAECO Americas / Eng
Paperbag

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!!
    nicebot
    Read /r/churning
    Aug 27, 2018 0
  • Amazon
    TC 401K

    Go to company page 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

      HAECO Americas Eng

      Paperbag
      OP
      3% on groceries is the best I’ve seen yet.
      Aug 27, 2018
    • Amazon
      TC 401K

      Go to company page 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

    Go to company page Intuit Eng

    Gutgut
    Chase sapphire preferred any day!
    Aug 27, 2018 3
  • Amazon
    liste

    Go to company page 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
    • Microsoft / Eng
      Avios

      Go to company page Microsoft Eng

      PRE
      Bank of America
      Avios
      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

      Go to company page 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
  • Chase Freedom Unlimited has no annual fees and unlimited 1.5% on everything.
    Aug 27, 2018 5
    • Yep.
      Aug 27, 2018
    • Microsoft / Product
      @zzz

      Go to company page 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