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Good credit cards for rewards? Comparison sources? #4443804
06/28/17 11:20 AM
06/28/17 11:20 AM
Joined: Dec 2006
Posts: 3,431
USA
stephen9666 Offline OP
stephen9666  Offline OP
Joined: Dec 2006
Posts: 3,431
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?

Re: Good credit cards for rewards? Comparison sources? [Re: stephen9666] #4443811
06/28/17 11:28 AM
06/28/17 11:28 AM
Joined: Nov 2016
Posts: 183
PA
MarcS Offline
MarcS  Offline
Joined: Nov 2016
Posts: 183
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.

Re: Good credit cards for rewards? Comparison sources? [Re: stephen9666] #4443812
06/28/17 11:28 AM
06/28/17 11:28 AM
Joined: Jul 2011
Posts: 1,224
Houston, TX
Coprolite Offline
Coprolite  Offline
Joined: Jul 2011
Posts: 1,224
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.

Re: Good credit cards for rewards? Comparison sources? [Re: stephen9666] #4443813
06/28/17 11:28 AM
06/28/17 11:28 AM
Joined: Feb 2013
Posts: 318
FL USA
Blueskies123 Offline
Blueskies123  Offline
Joined: Feb 2013
Posts: 318
FL USA
credit cards with good rewards

Re: Good credit cards for rewards? Comparison sources? [Re: stephen9666] #4443814
06/28/17 11:29 AM
06/28/17 11:29 AM
Joined: Aug 2009
Posts: 3,294
Ohio
Tdbo Offline
Tdbo  Offline
Joined: Aug 2009
Posts: 3,294
Ohio


2012 Honda Accord LX-P 94K
2008 Ford Mustang Pony Package Convertible 17K
2006 Honda Odyssey EX-L 76K
2003 Ford Ranger 3.0 Supercab 113K
Re: Good credit cards for rewards? Comparison sources? [Re: stephen9666] #4443817
06/28/17 11:30 AM
06/28/17 11:30 AM
Joined: Sep 2004
Posts: 21,930
Orlando, FL
Mr Nice Offline
Mr Nice  Offline
Joined: Sep 2004
Posts: 21,930
Orlando, FL
Great info folks...

Re: Good credit cards for rewards? Comparison sources? [Re: MarcS] #4443820
06/28/17 11:31 AM
06/28/17 11:31 AM
Joined: Jul 2011
Posts: 1,224
Houston, TX
Coprolite Offline
Coprolite  Offline
Joined: Jul 2011
Posts: 1,224
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.

Re: Good credit cards for rewards? Comparison sources? [Re: stephen9666] #4443821
06/28/17 11:31 AM
06/28/17 11:31 AM
Joined: Dec 2005
Posts: 690
Virginia
cpayne5 Offline
cpayne5  Offline
Joined: Dec 2005
Posts: 690
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.

Re: Good credit cards for rewards? Comparison sources? [Re: stephen9666] #4443822
06/28/17 11:32 AM
06/28/17 11:32 AM
Joined: Mar 2012
Posts: 1,367
San Antonio, TX
E150GT Offline
E150GT  Offline
Joined: Mar 2012
Posts: 1,367
San Antonio, TX
Chase works for me. I have shapphire preferred, ink bold and united mileage plus.


1984 Mercedes-Benz 300SD - 100k
1995 F150 XL 4.9 reg cab 5MT - 251k 5w30
2016 Mazda6 Touring 6MT - 57k 10w30
2006 Buick Lucerne CXL 3.8 31k 5w30
Re: Good credit cards for rewards? Comparison sources? [Re: stephen9666] #4443828
06/28/17 11:35 AM
06/28/17 11:35 AM
Joined: Mar 2016
Posts: 827
Cincinnati, OH USA
CincyDavid Offline
CincyDavid  Offline
Joined: Mar 2016
Posts: 827
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.


06 Kia Sportage EX greenish gold(ugliest color ever)
11 Jeep Grand Cherokee Limited HEMI Mineral Gray
14 Honda Accord LX metallic black
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Re: Good credit cards for rewards? Comparison sources? [Re: Coprolite] #4443831
06/28/17 11:36 AM
06/28/17 11:36 AM
Joined: Nov 2016
Posts: 183
PA
MarcS Offline
MarcS  Offline
Joined: Nov 2016
Posts: 183
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.

Last edited by MarcS; 06/28/17 11:37 AM.
Re: Good credit cards for rewards? Comparison sources? [Re: MarcS] #4443840
06/28/17 11:42 AM
06/28/17 11:42 AM
Joined: Jul 2011
Posts: 1,224
Houston, TX
Coprolite Offline
Coprolite  Offline
Joined: Jul 2011
Posts: 1,224
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.

Re: Good credit cards for rewards? Comparison sources? [Re: stephen9666] #4443844
06/28/17 11:45 AM
06/28/17 11:45 AM
Joined: Aug 2011
Posts: 3,387
Chicago,IL,USA
pandus13 Offline
pandus13  Offline
Joined: Aug 2011
Posts: 3,387
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?


16 Golf SportWagen
13 Mazda5
08 Yaris
04 Elantra
95 accent
95 mystique
97 concorde
Re: Good credit cards for rewards? Comparison sources? [Re: stephen9666] #4443850
06/28/17 11:50 AM
06/28/17 11:50 AM
Joined: Jul 2007
Posts: 4,340
Midwest USA
LoneRanger Offline
LoneRanger  Offline
Joined: Jul 2007
Posts: 4,340
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.



'09 Subaru Forester ...................(QS HM 5W30)
'16 Moto Guzzi Stelvio 1200 .....(ENI i-Ride PG 10W60)
Re: Good credit cards for rewards? Comparison sources? [Re: LoneRanger] #4443858
06/28/17 11:55 AM
06/28/17 11:55 AM
Joined: Jul 2011
Posts: 1,224
Houston, TX
Coprolite Offline
Coprolite  Offline
Joined: Jul 2011
Posts: 1,224
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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