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Costco Citi card for gas: 4% cash back
Apple Card where I can Apple pay: 2% cash back
Bonus whored Capital One business card recently: spend $6k in 3 months for $750 bonus, no annual fee.
For business I use Chase Ink Premier. It was $1000 bonus for 10k spend in 3 months.

I need to look at the Amex stuff and see what bonus whoring is available now. I had the Blue Preferred and the Hilton ones, but got mad and shredded them when they refused to waive a fee when I was a few days late on a payment for the first ever time as a 10 year customer. I was sick while on vacation and missed it until I got home. Citi waived theirs in about 5 seconds of talking to a customer service rep. Amex, no. Maybe it's because I never used either of them, except for groceries.

Also, whatever card you're using, you should log into you're account and dig around and there's usually different vendor offers you can opt into for higher cash back rates with that card.

I worked as a mediator for a short while and we would sometimes work with customers and credit card companies to find a resolution.

Capital One refuses every mediation attempt. They won’t work with customers AT ALL once it gets to that point. Other companies do. Although I never plan on needing to do that with any CC company, the fact that Capital One took that position with others was enough for me to never get a Capital One card.

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07-30-2024 , 01:10 PM

#27

Booker Wolfbox

Carpal \'Tunnel

Join Date: Aug 2012 Posts: 39,034

I use a 2% cash back card as a default, then supplement that with ones that have rotating 5% categories (Chase, Discover, etc). As mentioned an Amazon card for 5% there. Also have a couple Citi cards that sometimes have crazy good offers.

Currently shopping for a new long-intro 0% card as I have one that's expiring and have a balance to transfer. Wells Fargo and BofA both send me offers, but WF is a train wreck and I'm not sure BofA is much better.

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07-31-2024 , 02:13 PM

#28

borg23

Carpal \'Tunnel

Join Date: Nov 2012 Posts: 15,895

the real money is in whoring the signup bonuses

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08-01-2024 , 01:09 PM

#29

emophobic

journeyman

Join Date: Mar 2017 Posts: 393

The Amazon card also offers 6 or 12 month interest free payment options on purchases over a certain amount, $500 I believe but might even be less than that, which I take advantage of frequently. I buy nearly everything off of Amazon so that 5% back really adds up.

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08-03-2024 , 03:45 AM

#30

chillrob

Carpal \'Tunnel

Join Date: May 2007 Posts: 22,625

Quote:

Originally Posted by All-inMcLovin

A great No Annual Fee credit card I have is the Chase Freedom:

$200 BONUS
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

DINING
3%

on dining at restaurants, including takeout and eligible delivery services

DRUGSTORE
3%

on drugstore purchases

Travel
5%

on travel purchased through Chase TravelSM

EVERYTHING ELSE
1.5%

on all other purchases

I recently got this, haven't yet looked into how to use the reward points. Is there anything you can get that's a better deal than straight cash?

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08-03-2024 , 02:40 PM

#31

SootedPowa

Pooh-Bah

Join Date: Jun 2013 Posts: 3,755

I ****ing love Amex. Double charged at a fast food automated order taker the other day. Phoned Amex and got straight through to a call centre in my country. They had given me the money back before I'd even hung up the phone. Other providers you have to fill out forms and wait ****ing weeks.

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08-16-2024 , 07:32 AM

#32

PointlessWords

banned

Join Date: Jun 2020 Posts: 6,097

The best cards are the ones you can default on and negotiate for 20% of the balance without being sued.

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08-16-2024 , 04:59 PM

#33

All-inMcLovin

Wholesome Mod

Join Date: Oct 2007 Posts: 51,169

FACTS

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08-19-2024 , 02:51 AM

#34

the pleasure

Carpal \'Tunnel

Join Date: Oct 2012 Posts: 6,223

does discover or mastercard give like 1-2% cashback on any purchase or no?

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08-19-2024 , 06:09 AM

#35

chillrob

Carpal \'Tunnel

Join Date: May 2007 Posts: 22,625

Mastercards are all different depending on which bank is offering a particular card, and even each bank usually has different cards with different benefits and fees.

I don't know about Discover cards.

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08-19-2024 , 11:32 AM

#36

golddog

Carpal \'Tunnel

Join Date: Feb 2013 Posts: 7,219

What rob wrote for MC. As noted above, Discover is 1% cash back with a 5% rebate on certain categories. Categories change quarterly.

I believe Discover offers various different cards and programs though.

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