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#4443804 - 06/28/17 12:20 PM Good credit cards for rewards? Comparison sources?
stephen9666 Offline


Registered: 12/08/06
Posts: 3431
Loc: USA
I pay my credit card off every month, so don't bother with comments about wise credit card use. That's not what this thread is about.

My credit card I use for normal purchases is giving me overall 1% back through gift cards. I'd like to do better than that.

What I'm looking for is a card that has some decent rewards, purchase protection, etc. I've never really compared these before, so I'm not sure where to check or what's a good cash back rate.

What are some credit cards with good rewards? Are there any comparison sites I should check out?

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#4443811 - 06/28/17 12:28 PM Re: Good credit cards for rewards? Comparison sources? [Re: stephen9666]
MarcS Offline


Registered: 11/18/16
Posts: 183
Loc: PA
I have 3 cards, all for various rewards. First is my Fidelity Visa which puts 2% into my brokerage account on every purchase. I think this is the best general cash-back card out there. Second is my Amazon Prime Visa which gets me 5% on every Amazon purchase, which makes sense for me given how much of my shopping i do with Prime. Third is my Chase Freedom Visa, which i only use for whatever the rotating 5% category is that quarter.

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#4443812 - 06/28/17 12:28 PM Re: Good credit cards for rewards? Comparison sources? [Re: stephen9666]
Coprolite Offline


Registered: 07/03/11
Posts: 1224
Loc: Houston, TX
There are a few good sites. Nerdwallet is one. Google is your friend on this one and research widely. The one's you pick depend on your profile of spend and discipline. Here are a few examples:

Citi double cash : 2%
Sam's Club: 5% Gas, 3% Dining
Amex Blue Preferred: Groceries 6% (limit 6k) 3% gas
Discover: Rotating categories 5% up to $1500 spend each Qtr

Sam's, Amex and Discover have 1% for all others.

Others have no international usage charges and free checked bags which are good for travelers.

Good luck with the hunt.

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#4443813 - 06/28/17 12:28 PM Re: Good credit cards for rewards? Comparison sources? [Re: stephen9666]
Blueskies123 Offline


Registered: 02/17/13
Posts: 288
Loc: FL USA
credit cards with good rewards

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#4443814 - 06/28/17 12:29 PM Re: Good credit cards for rewards? Comparison sources? [Re: stephen9666]
Tdbo Offline


Registered: 08/18/09
Posts: 3227
Loc: Ohio
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#4443817 - 06/28/17 12:30 PM Re: Good credit cards for rewards? Comparison sources? [Re: stephen9666]
Mr Nice Offline


Registered: 09/12/04
Posts: 21208
Loc: Orlando, FL
Great info folks...

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#4443820 - 06/28/17 12:31 PM Re: Good credit cards for rewards? Comparison sources? [Re: MarcS]
Coprolite Offline


Registered: 07/03/11
Posts: 1224
Loc: Houston, TX
Fidelity Visa works well if you have a Fidelity account. I prefer Vanguard (anti-fees stance). The Double Cash is a Mastercard but works in the same manner.

Originally Posted By: MarcS
I have 3 cards, all for various rewards. First is my Fidelity Visa which puts 2% into my brokerage account on every purchase. I think this is the best general cash-back card out there. Second is my Amazon Prime Visa which gets me 5% on every Amazon purchase, which makes sense for me given how much of my shopping i do with Prime. Third is my Chase Freedom Visa, which i only use for whatever the rotating 5% category is that quarter.

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#4443821 - 06/28/17 12:31 PM Re: Good credit cards for rewards? Comparison sources? [Re: stephen9666]
cpayne5 Offline


Registered: 12/28/05
Posts: 605
Loc: Virginia
We have Amazon and Marriott Rewards cards. We pay them off every month as well.

I really like the Marriott card because we earn 5-10 free stays a year by using it everyday (comes in handy around vacation time when we want to extend trips by a day or two here and there). It does have a membership fee of $85/year, but you get a free night's stay on your (membership) anniversary, so it offsets in my eyes. Very happy with that card. We use it for everything now.

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#4443822 - 06/28/17 12:32 PM Re: Good credit cards for rewards? Comparison sources? [Re: stephen9666]
E150GT Offline


Registered: 03/11/12
Posts: 1110
Loc: San Antonio, TX
Chase works for me. I have shapphire preferred, ink bold and united mileage plus.
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#4443828 - 06/28/17 12:35 PM Re: Good credit cards for rewards? Comparison sources? [Re: stephen9666]
CincyDavid Offline


Registered: 03/03/16
Posts: 708
Loc: Cincinnati, OH USA
I like my AMEX Delta Skymiles Gold, Cap 1 Venture and Barclays Frontier Airlines VISA. Between these three, we get plenty of travel rewards. We have really started traveling more in the past 2-3 years and these accounts have become more and more useful.

For me,Cap 1 Quicksilver works best for cash back.
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#4443831 - 06/28/17 12:36 PM Re: Good credit cards for rewards? Comparison sources? [Re: Coprolite]
MarcS Offline


Registered: 11/18/16
Posts: 183
Loc: PA
Originally Posted By: Coprolite
Fidelity Visa works well if you have a Fidelity account. I prefer Vanguard (anti-fees stance). The Double Cash is a Mastercard but works in the same manner.

Originally Posted By: MarcS
I have 3 cards, all for various rewards. First is my Fidelity Visa which puts 2% into my brokerage account on every purchase. I think this is the best general cash-back card out there. Second is my Amazon Prime Visa which gets me 5% on every Amazon purchase, which makes sense for me given how much of my shopping i do with Prime. Third is my Chase Freedom Visa, which i only use for whatever the rotating 5% category is that quarter.


double cash is good if you don't have a fidelity account. I own a lot of vanguard funds, that said, with the race to the bottom on fees for exchange traded index funds, the Blackrock offerings through fidelity are just as cheap and trade free.


Edited by MarcS (06/28/17 12:37 PM)

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#4443840 - 06/28/17 12:42 PM Re: Good credit cards for rewards? Comparison sources? [Re: MarcS]
Coprolite Offline


Registered: 07/03/11
Posts: 1224
Loc: Houston, TX
Agreed, I just felt more comfortable with Vanguard and my accounts have no annual maintenance fees there. I am sure Fidelity has something similar, as they are competing for the same customers. I have to include the cash back in my monthly transfer into the account from my checking, but it isn't a big deal as I am ideally transferring in money each month.

There are usually a few cards that operate in the same manner with very similar rules and they end up competing for those spenders that go for that kind of thing.

Originally Posted By: MarcS
Originally Posted By: Coprolite
Fidelity Visa works well if you have a Fidelity account. I prefer Vanguard (anti-fees stance). The Double Cash is a Mastercard but works in the same manner.

Originally Posted By: MarcS
I have 3 cards, all for various rewards. First is my Fidelity Visa which puts 2% into my brokerage account on every purchase. I think this is the best general cash-back card out there. Second is my Amazon Prime Visa which gets me 5% on every Amazon purchase, which makes sense for me given how much of my shopping i do with Prime. Third is my Chase Freedom Visa, which i only use for whatever the rotating 5% category is that quarter.


double cash is good if you don't have a fidelity account. I own a lot of vanguard funds, that said, with the race to the bottom on fees for exchange traded index funds, the Blackrock offerings through fidelity are just as cheap and trade free.

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#4443844 - 06/28/17 12:45 PM Re: Good credit cards for rewards? Comparison sources? [Re: stephen9666]
pandus13 Offline


Registered: 08/12/11
Posts: 3201
Loc: Chicago,IL,USA
google linky-link

(some of the search results have been already mentioned by previous posters)

-do you travel a lot? - miles/rewards....
-do you spend a lot? - rewards/pints/cash back

what cards are accepted where do you usually go?
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#4443850 - 06/28/17 12:50 PM Re: Good credit cards for rewards? Comparison sources? [Re: stephen9666]
LoneRanger Offline


Registered: 07/02/07
Posts: 4062
Loc: Midwest USA
Originally Posted By: stephen9666
I pay my credit card off every month, so don't bother with comments about wise credit card use. That's not what this thread is about.

My credit card I use for normal purchases is giving me overall 1% back through gift cards. I'd like to do better than that.

What I'm looking for is a card that has some decent rewards, purchase protection, etc. I've never really compared these before, so I'm not sure where to check or what's a good cash back rate.

What are some credit cards with good rewards? Are there any comparison sites I should check out?


Beware of annual fees. while AMEX blue cash preferred sounds great with 6% on grocery retailers, it carries a $95/yr fee. I have Blue Cash Everyday, no annual fee, 3% at grocery retailers.
_________________________

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#4443858 - 06/28/17 12:55 PM Re: Good credit cards for rewards? Comparison sources? [Re: LoneRanger]
Coprolite Offline


Registered: 07/03/11
Posts: 1224
Loc: Houston, TX
My brain spaced on putting that in. I was thinking it but didn't type.

We spend just about 6k a year and that nets 4.42% on groceries. If our grocery spending drops, we will drop down to the everyday next year. Right now, we are on a strict budget for everything outside of groceries. This drives the grocery bill up as we eat out less, etc.


Originally Posted By: LoneRanger
Originally Posted By: stephen9666
I pay my credit card off every month, so don't bother with comments about wise credit card use. That's not what this thread is about.

My credit card I use for normal purchases is giving me overall 1% back through gift cards. I'd like to do better than that.

What I'm looking for is a card that has some decent rewards, purchase protection, etc. I've never really compared these before, so I'm not sure where to check or what's a good cash back rate.

What are some credit cards with good rewards? Are there any comparison sites I should check out?


Beware of annual fees. while AMEX blue cash preferred sounds great with 6% on grocery retailers, it carries a $95/yr fee. I have Blue Cash Everyday, no annual fee, 3% at grocery retailers.

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