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Old 04-11-2012, 06:32 AM   #21
Full time employment: Posting here.
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some good ideas on here and especially on exchange rates. I never considered that their would be an exchange rate fee for out of country charges.

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Old 04-11-2012, 07:25 AM   #22
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Join Date: Sep 2005
Location: Charleston, SC
Posts: 13,411
Just started with the Chase Sapphire Preferred, have been with Penfed until recent changes. Wanted to pick up the transferable points to United, which is my airport's cheapest carrier. Like Amethyst, we will do a little work for the rewards, but not my whole life. Enrolled in the new Penfed, but will probably use it just to get the initial bonus and then return to the Chase card.

One day your life will flash before your eyes. Make sure it's worth watching.
Gerard Arthur Way

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Old 04-12-2012, 03:50 AM   #23
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Join Date: Sep 2010
Location: midwestern city
Posts: 4,062
I like my Chase / Continental (United) card. I get 1 air mile for each $ spent.
Originally Posted by frank View Post
I notice a lot of the members here mention a credit card with penfed and other companies. who do you think has the best card with the most perks and cash back?
Very conservative with investments. Not ER'd yet, 48 years old. Please do not take anything I write or imply as legal, financial or medical advice directed to you. Contact your own financial advisor, healthcare provider, or attorney for financial, medical and legal advice.
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Old 04-16-2012, 02:46 PM   #24
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Join Date: Apr 2010
Posts: 269
I got hooked on the AARP 5% card, and just found a similar one from Citibank for the next 6 months (see: ).

My back up cards are:

-Amex HHonors (for the bonus, and good points on hilton, telecom, drug store, groceries - though my grocer doesn't take it)
-Fidelity Visa 1.5% (first 15K); 2% after - - will be primary once the 5% citi goes away.
-Sony Card (old one) for no forex fees (its Cap One)
-Citi Bronze AA card (no annual fee, 1 point per mile, I have my ez-pass billed to it to ensure my AA miles don't expire).
-Old Navy Visa card (my wife likes the coupons).

To be cancelled/consolidated:
-BOA 123 card (was schwab 2% card, my old primary card until they took it away and had to find a replacement [AARP for 6 months, now citi])
-Fidelity 1.5% card (replaced by the 1.5%/2.0% card above).

To be gotten at some point (had a lot of applications recently):
- Marriott card for the bonus and company travel.
- some of these other cards with points you can transfer for hotel/air miles.

I want to build up some hotel points for free travel in a couple years when my kids are bigger. I plan to use the Citi points for amazon certificates since I do a lot of x-mas shopping online.

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