Best credit card for perks? (cashback, etc)?
My husband and I are responsible adults, have excellent credit and always pay our credit cards off in full every month, so we aren't looking for a lecture on how credit cards are bad…they aren't -unless you are irresponsible with them.
That said, what is the best credit card out there that offers incentives such as cash back? We aren't necessarily looking for frequent flyer miles because we don't fly very often, rather, we're looking for a card that will give us points for everyday purchases (groceries, mortgage, gas, car payments) that will give us cash back.
What is the best card for this? Thanks!
The Costco American Express card pays back 2 percent and does not have an annual fee. In addition, Costco also gives a rebate to Executive customers. We find it very beneficial.
I agree that credit cards are a great convenience if one uses them responsibly. We never pay any interest, and our cards are paid automatically from our bank account, so we don't even have to write a check or buy postage.
There may be other cash back cards. We had a card that paid "up to 2 percent" but it really only amounted to 1.4% on the first $10,000 of spending. We used that card until we charged $10,000 then switched to another. But now they only reward you with magazine subscriptions for which you have to pay. We use Master Card only if the store does nto accept AmEx.
I now have a Citi Dividend Pltinum Master Card that pays cash back, but they cut it down to a $300 limit per year.
December 28th, 2008 at 11:21 am
There are a few out there check out http://www.fastcreditcardapprovals.com here you will be able to compare all major credit cards side by side on RATES AND REWARDS, GOOD, BAD OR NO CREDIT they have the right card for you.
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December 28th, 2008 at 12:04 pm
The Costco American Express card pays back 2 percent and does not have an annual fee. In addition, Costco also gives a rebate to Executive customers. We find it very beneficial.
I agree that credit cards are a great convenience if one uses them responsibly. We never pay any interest, and our cards are paid automatically from our bank account, so we don't even have to write a check or buy postage.
There may be other cash back cards. We had a card that paid "up to 2 percent" but it really only amounted to 1.4% on the first $10,000 of spending. We used that card until we charged $10,000 then switched to another. But now they only reward you with magazine subscriptions for which you have to pay. We use Master Card only if the store does nto accept AmEx.
I now have a Citi Dividend Pltinum Master Card that pays cash back, but they cut it down to a $300 limit per year.
References :
December 28th, 2008 at 12:11 pm
please take a look at http://preferred.ecreditdirectory.com/ for a list of cards by offers
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http://preferred.ecreditdirectory.com/
December 28th, 2008 at 12:43 pm
A few of the better rewards cards include the American Express Blue Cash card (up to 5% in some categories, but tiered), the Citi Driver's Edge card (6% in some categories in the first year), Fidelity Signature Visa (1.5% cash back on all spending), and the Capital One No Hassle Miles Ultra for Professionals card (approx. 2% reward on all spending as airline tickets, though Capital One's reputation for customer service isn't as good as, say, American Express).
You can use this rewards calculator to see which rewards card will pay you the most for your normal spending profile:
http://www.creditcardtuneup.com/
References :
http://www.uthunk.com/
December 28th, 2008 at 1:08 pm
you might want to go here to compare them, pick one that is right for u
http://www.bestcreditrates.net
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December 28th, 2008 at 1:47 pm
Yep the best credit card for perks is the discover credit card, they have the best option available in my opinion.
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