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rated:
If you want to get CashBack for gas but still pay the lower rate, just get a serve card, load it with your 2% card and then use serve for the gas purchase if they take amex

rated:
LearningFast said:   
SyZpuzzler said:   So you mean the ones that appear on this page? http://i.imgur.com/XLKfQbA.png

Just something that will reward me for using it with Cash Back, I don't anticipate too much traveling as I'm trying to conserve and live below my means right now

I know the balance transfer cards are alluring, but they can't possibly have good long-term aspects because there has to be something to counter the bonus of getting the balance transfer - I'm ok with not transferring and paying a little more now for interest if it means I can get better terms and conditions for the long haul


Yes. Go to full credit report and see when your balance says zero.
I would second the above. Get a 2% CashBack card. I would suggest the new citi double cash since it will be more widely accepted than the fidelity amex, the main no annual fee competitor. There is also the penfed card that gives you 5% CashBack on gas, but it is really hard to get accepted for it. I would say go for the double cash, wait 6 months or more and then try for other more category specific cards if you want them


Why go for multiple cards? ".. wait 6 months or more and then try for other more category specific cards .."

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Because you can get more points/CashBack by, say, using Sallie Mae for gas and groceries, US Bank cash+ for dining and double cash for everythingn else

rated:
Syz -- many here at FWF are credit card junkies and have found ways to make money with multiple cards. We're not normal people. Normal people have 1, 2, 3 cards. Many here have ten times that many. Start searching old threads if you want to get into it. Caution: It is not for everyone. It requires discipline, a little daring and significant attention to detail.

It's also 100% OK to have 1, 2, 3 cards and be normal.

rated:
debentureboy said:   Syz -- many here at FWF are credit card junkies and have found ways to make money with multiple cards. We're not normal people. Normal people have 1, 2, 3 cards. Many here have ten times that many. Start searching old threads if you want to get into it. Caution: It is not for everyone. It requires discipline, a little daring and significant attention to detail.

It's also 100% OK to have 1, 2, 3 cards and be normal.


I agree about not having a ton of cards. I wasn't trying to make money per se, but I did get a bunch of cards for my wife and I for every different thing we spent on. After about 6 months I sock drawered most of them. We now do the Barclaycard Arrival for everything except we us our Amex Blue Cash for gas, groceries, and Costco. I was playing the categories game with more cards but it was more stress than it is worth. And it was up to me to keep my wife educated and that was a pain too. Although I hate to admit it, knowing you can get 5% back for a certain category does influence where you spend money. My wife and I are happy with 2.2% back on everything. We travel a lot so it works well for us.

I'm a big fan of a thin wallet, literally. I highly recommend Allett if anybody here wants a quality durable thin wallet. They also don't use material between your cards which makes them thinner. You can see what they have here: http://www.all-ett.com/ I play this game at parties when I see somebody with a huge, back-threatening, George Costanza exploding wallet. I tell the person to come sit down with me and we pour everything on to a table. It never fails, within 20 minutes we've taken out half the crap and their wallet is way thinner. If there is something you use once a month or less you can usually throw it out. The rewards cards, punch cards, business cards from that guy you met 3 years ago that does that thing, receipts from your Italian vacation 5 years ago, etc. I've seen so much crap, just ditch it! It's a wallet, not a filing cabinet. And get those family photos on the cloud and your phone, they'll be there when you need them

My wallet: A few credit cards, a couple insurance cards, Costco card, drivers license, a small amount of cash, BOOM! Under a half inch with this bad boy.


rated:
Matrim33 said:   
debentureboy said:   Syz -- many here at FWF are credit card junkies and have found ways to make money with multiple cards. We're not normal people. Normal people have 1, 2, 3 cards. Many here have ten times that many. Start searching old threads if you want to get into it. Caution: It is not for everyone. It requires discipline, a little daring and significant attention to detail.

It's also 100% OK to have 1, 2, 3 cards and be normal.


I agree about not having a ton of cards. I wasn't trying to make money per se, but I did get a bunch of cards for my wife and I for every different thing we spent on. After about 6 months I sock drawered most of them. We now do the Barclaycard Arrival for everything except we us our Amex Blue Cash for gas, groceries, and Costco. I was playing the categories game with more cards but it was more stress than it is worth. And it was up to me to keep my wife educated and that was a pain too. Although I hate to admit it, knowing you can get 5% back for a certain category does influence where you spend money. My wife and I are happy with 2.2% back on everything. We travel a lot so it works well for us.

I'm a big fan of a thin wallet, literally. I highly recommend Allett if anybody here wants a quality durable thin wallet. They also don't use material between your cards which makes them thinner. You can see what they have here: http://www.all-ett.com/I play this game at parties when I see somebody with a huge, back-threatening, George Costanza exploding wallet. I tell the person to come sit down with me and we pour everything on to a table. It never fails, within 20 minutes we've taken out half the crap and their wallet is way thinner. If there is something you use once a month or less you can usually throw it out. The rewards cards, punch cards, business cards from that guy you met 3 years ago that does that thing, receipts from your Italian vacation 5 years ago, etc. I've seen so much crap, just ditch it! It's a wallet, not a filing cabinet. And get those family photos on the cloud and your phone, they'll be there when you need them

My wallet: A few credit cards, a couple insurance cards, Costco card, drivers license, a small amount of cash, BOOM! Under a half inch with this bad boy.


Guess you don't carry a condom anymore?

rated:
Hey folks. I'm working on ways to get as many United miles as possible. I already have the Chase Mileage Plus Explorer personal cards. I was hoping to pick your brains on all other cards that can be used towards United travel. I might be doing a little United AOR in the near future. Please include business cards.

Things I know:
1. I just missed the Chase Ink 70,000 sign up bonus
2. I don't yet have Barclay Arrival and will likely pick that up.
3. There are Chase Mileage Plus Explorer business cards that I will be looking closely at.

Thanks in advance for your help.

rated:
catanpirate said:   Hey folks. I'm working on ways to get as many United miles as possible. I already have the Chase Mileage Plus Explorer personal cards. I was hoping to pick your brains on all other cards that can be used towards United travel. I might be doing a little United AOR in the near future. Please include business cards.

Things I know:
1. I just missed the Chase Ink 70,000 sign up bonus
2. I don't yet have Barclay Arrival and will likely pick that up.
3. There are Chase Mileage Plus Explorer business cards that I will be looking closely at.

Thanks in advance for your help.


There are reports that the Chase Ink Plus 70K offer you refer to is still available in-branch. YMMV. You can still get the Ink Bold with 50K sign up. Rumor that they will discontinue the Bold next month. Even if you can't get the Plus @ 70K, you might could get Plus + Bold for 50K each.

The Chase United business card is 50K. Chase Sapphire Preferred is 45K, transferable to United. Chase Freedom is generally just 10K, but may interest you. Sometimes they have a larger temporary bonus for Freedom.

If all those don't get you enough, consider partner airlines whose miles can be used on United flights. ANA, Aeroplan - Amex MR products as well as SPG can transfer there.

rated:
Matrim33 said:   
debentureboy said:   Syz -- many here at FWF are credit card junkies and have found ways to make money with multiple cards. We're not normal people. Normal people have 1, 2, 3 cards. Many here have ten times that many. Start searching old threads if you want to get into it. Caution: It is not for everyone. It requires discipline, a little daring and significant attention to detail.

It's also 100% OK to have 1, 2, 3 cards and be normal.


I agree about not having a ton of cards. I wasn't trying to make money per se, but I did get a bunch of cards for my wife and I for every different thing we spent on. After about 6 months I sock drawered most of them. We now do the Barclaycard Arrival for everything except we us our Amex Blue Cash for gas, groceries, and Costco. I was playing the categories game with more cards but it was more stress than it is worth. And it was up to me to keep my wife educated and that was a pain too. Although I hate to admit it, knowing you can get 5% back for a certain category does influence where you spend money. My wife and I are happy with 2.2% back on everything. We travel a lot so it works well for us.

I'm a big fan of a thin wallet, literally. I highly recommend Allett if anybody here wants a quality durable thin wallet. They also don't use material between your cards which makes them thinner. You can see what they have here: http://www.all-ett.com/I play this game at parties when I see somebody with a huge, back-threatening, George Costanza exploding wallet. I tell the person to come sit down with me and we pour everything on to a table. It never fails, within 20 minutes we've taken out half the crap and their wallet is way thinner. If there is something you use once a month or less you can usually throw it out. The rewards cards, punch cards, business cards from that guy you met 3 years ago that does that thing, receipts from your Italian vacation 5 years ago, etc. I've seen so much crap, just ditch it! It's a wallet, not a filing cabinet. And get those family photos on the cloud and your phone, they'll be there when you need them

My wallet: A few credit cards, a couple insurance cards, Costco card, drivers license, a small amount of cash, BOOM! Under a half inch with this bad boy.



The FWF wallet

http://www.amazon.com/dp/B001PMC8UW/ref=wl_it_dp_o_pC_nS_ttl?_en...

rated:
Other than the Citi Dividend Card that gave 5% Cash Back on health care in the 1st quarter for New Year's, are there currently any other credit cards out there that give 5% Cash Back (or more than 2%)? I anticipate on lots of medical expenses coming up and I'd like to save some money with Cash Back cards. I'll be paying it in full every month - just trying to get some Cash Back from it.

rated:
lydiachang said:   Other than the Citi Dividend Card that gave 5% Cash Back on health care in the 1st quarter for New Year's, are there currently any other credit cards out there that give 5% Cash Back (or more than 2%)? I anticipate on lots of medical expenses coming up and I'd like to save some money with Cash Back cards. I'll be paying it in full every month - just trying to get some Cash Back from it.According to the 5% rotating category thread, Citi Dividend Q1 has not included "health care" category for the past 2 years, only drug stores and fitness clubs.

rated:
lydiachang said:   Other than the Citi Dividend Card that gave 5% Cash Back on health care in the 1st quarter for New Year's, are there currently any other credit cards out there that give 5% Cash Back (or more than 2%)? I anticipate on lots of medical expenses coming up and I'd like to save some money with Cash Back cards. I'll be paying it in full every month - just trying to get some Cash Back from it.
Do you want actual healthcare expenses as in hospital bills? I don't think there are any alternatives for that except getting an Ink and buying a ton of prepaid debit cards for ~4% CashBack (or more, depending on how you redeem UR points).
If you are just looking for drug stores, the old Amex Blue Cash is an alternative if you can run more than $6500 through it to get to the 5%. There are also some wells fargo cards that give 5% on groceries and drug stores for the first 6 months only.

rated:
scripta said:   
lydiachang said:   Other than the Citi Dividend Card that gave 5% Cash Back on health care in the 1st quarter for New Year's, are there currently any other credit cards out there that give 5% Cash Back (or more than 2%)? I anticipate on lots of medical expenses coming up and I'd like to save some money with Cash Back cards. I'll be paying it in full every month - just trying to get some Cash Back from it.
According to the 5% rotating category thread,Citi Dividend Q1 has not included "health care" category for the past 2 years, only drug stores and fitness clubs.

Must have gotten outdated information then. Thanks.

rated:
LearningFast said:   
lydiachang said:   Other than the Citi Dividend Card that gave 5% Cash Back on health care in the 1st quarter for New Year's, are there currently any other credit cards out there that give 5% Cash Back (or more than 2%)? I anticipate on lots of medical expenses coming up and I'd like to save some money with Cash Back cards. I'll be paying it in full every month - just trying to get some Cash Back from it.
Do you want actual healthcare expenses as in hospital bills? I don't think there are any alternatives for that except getting an Ink and buying a ton of prepaid debit cards for ~4% CashBack (or more, depending on how you redeem UR points).
If you are just looking for drug stores, the old Amex Blue Cash is an alternative if you can run more than $6500 through it to get to the 5%. There are also some wells fargo cards that give 5% on groceries and drug stores for the first 6 months only.

Yes actual hospital/clinic bills. I know it's a long shot but thought I would ask.

rated:
Get a card with a bonus like spend $5000 get 50000 points which amounts to 10% rebate.

rated:
There should be a balance transfer category.

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sonaliweblance said:   There should be a balance transfer category.
http://www.fatwallet.com/forums/finance/902958/

rated:
SyZpuzzler said:   
My goal with the card is mainly just to use it for every day purchases with the goal of paying it off in full at the end of the month - the biggest bonus I always see is with gas ... but gas is always $.10 more expensive if you use a credit card versus a debit, so I never end up using a credit card anyways...



I realize I'm late to the party here, but since nobody else has mentioned it... with a card that gives 5% CashBack on gas, you're better off paying the $.10 extra for credit card, at least until gas is <$2/gallon. Around me, gas is running $3/gal. So at 5% CashBack, I'm making $.15/gal using my credit card instead of cash/debit, so net I'm getting gas at 5 cents less by using my credit card. Now if and when I can get gas for <$2, I'll be happy to pay cash (and just in general, happy). FWIW, there isn't a gas station in my typical travel area that charges extra for credit (or gives a discount for cash). I have run across one occasionally when travelling far from home, but I follow the same rule: if the cash price isn't 5% less than the credit price, I'll either use credit, or just use the gas station across the street that doesn't surcharge for credit but charges a price just a couple of cents above the "cash" price at the surcharging station.

Chris.

rated:
I concur, but in my area (CT/NY )most have a higher price for CC. But some stations.. Valero, Gulf and independents do not, and their prices are a few cents lower then the major companies. here gas is nor 3.25/gallon

rated:
Does anyone have any recent activity with the Wells Fargo 5% Cash Back on grocery stores, etc?

https://www.wellsfargo.com/credit-cards/cash-back/

rated:
I have $2-$2.5K in medical expenses I put on my credit card, every single month. I have several appointments every week for the next several years. Don't feel bad for me -- my insurance company later reimburses me for 90% of it!�

I could keep getting new cards for sure, but I'd rather not keep opening up new cards in an unending cycle. Plus I don't want my credit to get worse with too many open/closed cards. What cards should I get next? Open to suggestions on new cards to get just for the bonuses, and perhaps a longer-term card.

I have a Chase Sapphire Preferred card (hitting end of my first no-fee year soon) and a Chase Ink card (the first no-fee year ends middle of next year.) I also just got a Wells Fargo Propel card and I've already met the minimum spend requirements for it. I have a 2% cash-back Priceline Visa card...and a couple of other cards I don't remember.

rated:
First, no need to close cards unless you are planning on trying to churn them again later. More CCs is better in my book. Put the old ones in the sock drawer and use them once a year to keep them fresh.

Hustlermoneyblog does a nice job of tallying CC bonuses, so you could go there or any number of other resources to find the best CC deals.

Are you exploiting the programs that CV$ and Wags have? I don't follow them, but it seems like I've seen some nice programs there for rewards associated with large pharmacy use.

As for just getting cash bakc, FIA Amex and FIA Visa at 2% (and 2% after 1.5% for the Visa) are good ones for simple usage -- no fiddling with new accounts and bonuses if you aren't into that. A lot of us prefer cash to points/miles, but that's your call. Cap One has their Quicksilver for 1.5% back.

rated:
Barclays Rewards and Capital One Ventures offer great rewards and good APR. Google them and compare. Capital one has an annual fee, but waived the first year..but it comes with a concierge service and no black out dates.

rated:
My biggest expenses are groceries and restaurants. I supposed the cable/internet/phone bill (TWC) is another big monthly expense that could be put on a card. I don't travel that much, so I'd prefer Cash Back to miles. I travel to Canada (using a Canadian airline so I can't use points for the ticket) once per year so a card with no international fees would be a nice perk but it's not something I'd make a priority.

I currently have the Amex BCP, which gives me 6% back on groceries and gas (I buy gas at Vons. I pay for a Von's GC in-store and use the GC at the pump - GCs get the cash price at the pump. I also buy my Starbucks GCs there to support my caffeine habit and accumulate gas points). I don't buy much at department stores, but when I do, I get 3% back with the Amex BCP.

I had been wanting to pair the Amex BCP up with a US Bank Cash+ card, so I could get 5% back for restaurants and fast food. But with restaurants going down to 2%, I'm not sure that's the best option anymore. Does anyone have a good alternate card choice that would offer more than 2% at restaurants?

rated:
Here is an idea: get an Ink Plus and a no annual fee Sapphire
You get
5 UR/dollar for cell phone/cable/internet
2 UR/dollar for restaurants
No FOREX Fee

Bonus 5 UR/dollar at office supply stores, where you can buy gift cards to anything from Amazon to southwest airlines.

Ink does have a $95 annual fee, but it is waived the first year and the signup bonus covers it for the following 5 years.

UR points are worth 1 cent when redeemed as CashBack, 1.25 cents when using them to book travel directly through chase and are worth at least 2 cents when transferred to partners like Hyatt and British Airways.

rated:
Discover Miles gives 5% CB on travel & restaurants.

rated:
It's 2x miles on travel and restaurants according to their website. Can you really get 2.5 cents per mile value out of them?

rated:
LearningFast said:   It's 2x miles on travel and restaurants according to their website. Can you really get 2.5 cents per mile value out of them?
you can move regular Chase Sapphire UR points to your other UR point accounts.
So if you have a Chase Ink Bold, you can move your Sapphire UR points to Ink Bold UR accounts, where you can then transfer them to other programs where the points can get more than 2.5 cents of value.
the actual value is up to you. I typically average around 2.2 cents per point with Hyatt points that originates as Chase UR.

rated:
imbatman said:   
LearningFast said:   It's 2x miles on travel and restaurants according to their website. Can you really get 2.5 cents per mile value out of them?
you can move regular Chase Sapphire UR points to your other UR point accounts.
So if you have a Chase Ink Bold, you can move your Sapphire UR points to Ink Bold UR accounts, where you can then transfer them to other programs where the points can get more than 2.5 cents of value.
the actual value is up to you. I typically average around 2.2 cents per point with Hyatt points that originates as Chase UR.

I know. That is exactly what I was suggesting above.

My question was directed at ablang. He/she said that you can get 5% CB with Discover Miles. But according to their website Discover Miles gets you 2x miles on dining and travel. So how do you turn 2x discover miles into 5% Cash Back? Ie how do you get 2.5 cents per mile out of Discover miles?

rated:
oh. you were talking about discover. nm

rated:
Well, that route for getting double UR points on dining is dead, as it seems chase has axed the no AF sapphire

rated:
So this is a 120 page thread and I'm not sure where to start. I used this thread in 2011 or 2012 when I got my current cards. The Amex and Visa cards for Fidelity. They have no fee and give me 2% and 1.5% cash on all purchases respectively. Is that still comparable to the top cards (since I haven't checked in a few years) or are there better cards nowadays?

rated:
2% across the board is still the best you are going to get. There are several cards that you can get 5% in certain categories or 6% AMEX BCP (has an annual fee), also 3% gas. Sallie Mae card 5% on first $250 purchase in groceries, gas and first $750 bookstores. Several cards that have rotating 5% categories. What are you looking for?

rated:
Honestly, I'm too lazy to carry a bunch of cards for different occasions. Maybe I'd carry a separate gas card but that's about it. So I'm just looking for the best across the board. Making sure 3% wasn't the new normal or something like that.

PS what is the best gas card nowadays? I normally get Conoco but I go multiple places so it would be best if it was for all gas.

Thanks for your help.

rated:
mattscdl said:   Honestly, I'm too lazy to carry a bunch of cards for different occasions. Maybe I'd carry a separate gas card but that's about it. So I'm just looking for the best across the board. Making sure 3% wasn't the new normal or something like that.

PS what is the best gas card nowadays? I normally get Conoco but I go multiple places so it would be best if it was for all gas.

Thanks for your help.

2.2% for Barclay Arrival if you use the points to pay for travel.
How much/month do you spend on gas? If less than $250 - do the Sallie Mae card from Barclay. It, along with other gas cards in the quicksummary are up to date. You'd probably be good with any of the first 4.


rated:
If low spend on gas, sallie mae. If high spend on gas, penfed cash rewards. Both are 5% at the pump

rated:
I spend less than $250 on gas. My work commute is quite short. I'd say $100-150 at current gas rates. Up to $200 or so when gas is more expensive. Thanks for your help everyone. I'll check the Sallie May Gas Card.

rated:
Sallie mae limits 5% CashBack on gas to $250 so it will be perfect for you

rated:
always get a credit card with big bonus upon sign-up

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