Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Best Rewards Credit Card
Old 09-20-2010, 10:45 PM   #1
Confused about dryer sheets
 
Join Date: Sep 2010
Location: Cheyenne
Posts: 5
Best Rewards Credit Card

Which rewards credit card do you all have? I have USAA's rewards card and was wondering your opinions on which one offers the best rewards. I pay off my balance in full so I am not worried about their rates.
__________________

__________________
rdwarejr is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 09-20-2010, 11:31 PM   #2
Thinks s/he gets paid by the post
Coach's Avatar
 
Join Date: Nov 2005
Location: Colorado, USA
Posts: 1,127
I have a Schwab VISA. Straightforward 2% cash back, paid to my brokerage account automatically each month. Unfortunately I don't think they are still offering it.

Coach
__________________

__________________
"Comprehensive health insurance is an idea whose time has come in America." President Richard M. Nixon, February 6, 1974
Coach is offline   Reply With Quote
Old 09-21-2010, 12:11 AM   #3
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
haha's Avatar
 
Join Date: Apr 2003
Location: Hooverville
Posts: 22,387
Quote:
Originally Posted by Coach View Post
I have a Schwab VISA. Straightforward 2% cash back, paid to my brokerage account automatically each month. Unfortunately I don't think they are still offering it.

Coach
I have something similar to this also. Also I have a Chase and a Discover that offer 5% on certain varying categories each quarter. I put a note in my billfold to remind me of which card to use for which purchase. So I use a 5% card if applicable, otherwise revert to the 2% card. I also have a debit from a local bank that gets me 1.5% on a savings account if I use it 12x/month. I thought it might be a hassle, but actually it is more of a low key sport to see how little I can spend and still get my 12 purchases. One bag pork rinds, $1.19. Another bag the next day, another $1.19. One McDouble and senior coffee, $2.10. Box of strawberries, $1.99. What a thrilling life I lead.

Ha
__________________
"As a general rule, the more dangerous or inappropriate a conversation, the more interesting it is."-Scott Adams
haha is online now   Reply With Quote
Old 09-21-2010, 06:18 AM   #4
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
REWahoo's Avatar
 
Join Date: Jun 2002
Location: Texas Hill Country
Posts: 42,144
rdw, Pentagon Federal Credit Union has a good one. See the two threads below for more discussion.

Credit card rewards
"CC debt" add on: best card for rewards?
__________________
Numbers is hard

When I hit 70, it hit back

Retired in 2005 at age 58, no pension
REWahoo is offline   Reply With Quote
Old 09-21-2010, 06:28 AM   #5
Recycles dryer sheets
 
Join Date: May 2010
Location: SW Ohio
Posts: 360
Quote:
Originally Posted by Coach View Post
I have a Schwab VISA. Straightforward 2% cash back, paid to my brokerage account automatically each month. Unfortunately I don't think they are still offering it.

Coach
I got a letter yesterday from Schwab indicating they will end the relationship with Visa on Oct 1. I assume this perk is short lived.
__________________
jayc is offline   Reply With Quote
Old 09-21-2010, 08:20 AM   #6
Recycles dryer sheets
 
Join Date: Jun 2007
Location: Oklahoma City
Posts: 275
Quote:
Originally Posted by REWahoo View Post
rdw, Pentagon Federal Credit Union has a good one. See the two threads below for more discussion.

Credit card rewards
"CC debt" add on: best card for rewards?

+1 for the pentagon Visa rewards

I average about $40 a month cash rebate that is deducted right from the bill
__________________
USAF Veteran -- Retired Air National Guard -- OSW -- ONW -- OIF
militaryman is offline   Reply With Quote
Old 09-21-2010, 08:57 AM   #7
Full time employment: Posting here.
 
Join Date: Aug 2007
Posts: 894
Quote:
Originally Posted by jayc View Post
I got a letter yesterday from Schwab indicating they will end the relationship with Visa on Oct 1. I assume this perk is short lived.
Same here. It was good while it lasted. Hopefully it'll last a bit longer.

I still have my PenFed card, which I might start using again, but I would like to get a card that doesn't charge any currency conversion fees for international travel. Any recommendations?
__________________
tulak is offline   Reply With Quote
Old 09-21-2010, 09:07 AM   #8
Full time employment: Posting here.
 
Join Date: May 2007
Posts: 530
Quote:
Originally Posted by haha View Post
Also I have a Chase and a Discover that offer 5% on certain varying categories each quarter. I put a note in my billfold to remind me of which card to use for which purchase. So I use a 5% card if applicable, otherwise revert to the 2% card.
I do the same thing. I have a Chase card that offers 3% in "Subaru Bucks" (which I use for maintenance and repairs of my Subaru) and a Discover card where the 5% categories change each quarter. So I use the Discover card whereever I'll get 5%, and the Chase/Subaru for anything else.
__________________
ksr is offline   Reply With Quote
Old 09-21-2010, 09:19 AM   #9
Recycles dryer sheets
Automatika's Avatar
 
Join Date: Sep 2010
Location: Lebanon, TN
Posts: 112
Quote:
Originally Posted by haha View Post
One bag pork rinds, $1.19

Ha
I always wondered if anyone actually ate those.

Ditto on the Chase and Discover.
__________________
"If it didn't have bones in it, it wouldn't be crunchy now, would it?" -M. Python


Age 50, DW is 54, 1.4M split 25 Stock, 40 Mutual Funds, 25 Bonds, 5 Commodities, 5 REIT. Own Home, no debts.
Automatika is offline   Reply With Quote
Old 09-21-2010, 10:32 AM   #10
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
haha's Avatar
 
Join Date: Apr 2003
Location: Hooverville
Posts: 22,387
Quote:
Originally Posted by ksr View Post
I do the same thing. I have a Chase card that offers 3% in "Subaru Bucks" (which I use for maintenance and repairs of my Subaru) and a Discover card where the 5% categories change each quarter. So I use the Discover card whereever I'll get 5%, and the Chase/Subaru for anything else.
Wow. I hope you can give more information for me and the other Subaru owners on the board.

How do you redeem your Subaru Bucks? Are they only good at a dealer, or also at a independent mechanic, auto parts store, etc? And do you get Subaru Bucks on all purchases?
__________________
"As a general rule, the more dangerous or inappropriate a conversation, the more interesting it is."-Scott Adams
haha is online now   Reply With Quote
Old 09-21-2010, 10:44 AM   #11
Full time employment: Posting here.
CCdaCE's Avatar
 
Join Date: Apr 2006
Posts: 887
Found this link. Don't know if the info. is accurate - as in, current. I was/am interested since DW drives a Soob.

Review of the Chase Subaru Mastercard Credit Card

The Chase site requires you to login for details.

-CC
__________________
"There's those thinkin' more or less, less is more, but if less is more, how you keepin' score?
It means for every point you make, your level drops. Kinda like you're startin' from the top..." "Society" - Eddie Vedder
CCdaCE is offline   Reply With Quote
Old 09-21-2010, 11:28 AM   #12
Thinks s/he gets paid by the post
Bimmerbill's Avatar
 
Join Date: Jan 2006
Posts: 1,631
I have the USAA MC as well. Also the LL Bean card. I need to find out which pays the most cash back.
__________________
Bimmerbill is offline   Reply With Quote
Old 09-21-2010, 12:15 PM   #13
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Nov 2007
Posts: 7,532
Fidelity 2% cashback Amex - reward auto-deposited into fidelity account once they hit $50. Not sure if they still offer it.

For gas, grocery, drugstore, I have a Chase card that says "Rewards" on the front and it is blue. 5% back on those categories. I have the sticky part of a sticky note affixed to my gas/grocery/drugstore CC to remind me what to use it for. I think I wrote the categories directly onto DW's CC to remind her. The chase card lets you request a check after $50 has accumulated. Doesn't take many months of gassing 2 cars to get to $50 cashback. No idea if they still offer this card.
__________________
Retired in 2013 at age 33. Keeping busy reading, blogging, relaxing, gaming, and enjoying the outdoors with my wife and 3 kids (5, 11, and 12).
FUEGO is offline   Reply With Quote
Old 09-21-2010, 12:29 PM   #14
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
travelover's Avatar
 
Join Date: Mar 2007
Posts: 9,904
Costco Amex pays 1% at Costco, 3% on gas and restaurants, then Fido Amex pays 2% on everything else. LL Bean Visa pays 1% and gets me free shipping and monogramming at Bean.
__________________
Yes, I have achieved work / life balance.
travelover is online now   Reply With Quote
Old 09-21-2010, 12:39 PM   #15
Thinks s/he gets paid by the post
DangerMouse's Avatar
 
Join Date: Jan 2007
Location: Silicon Valley
Posts: 1,812
Must admit I have turned into a churner, taking my business to whoever is offering the best sign up bonus that will maximise our free premium travel plans.
__________________

I be a girl, he's a boy. Think I maybe FIRED since July 08. Mid 40s, no kidlets. Actually am totally clueless as to what is going on with DH.
DangerMouse is offline   Reply With Quote
Old 09-21-2010, 01:59 PM   #16
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: May 2005
Posts: 13,290
Quote:
Originally Posted by FUEGO View Post
Fidelity 2% cashback Amex - reward auto-deposited into fidelity account once they hit $50. Not sure if they still offer it.

For gas, grocery, drugstore, I have a Chase card that says "Rewards" on the front and it is blue. 5% back on those categories. I have the sticky part of a sticky note affixed to my gas/grocery/drugstore CC to remind me what to use it for. I think I wrote the categories directly onto DW's CC to remind her. The chase card lets you request a check after $50 has accumulated. Doesn't take many months of gassing 2 cars to get to $50 cashback. No idea if they still offer this card.

Have the Chase card... not offered anymore...

I don't see the Fido card offered as I would like to get 2% on everything else... I use Capital One which has 1% with an annual 25% bonus on the previous year which makes it a 1.25% card...

Do the Discover cards... but usually the 5% is on a low threshold.. such as the first $200... need to remember not to use it if you go over... I also like Discover because you can buy a gift card at a discount... if you use Staples, a $25 costs only $20... most are like $50 card for $45....
__________________
Texas Proud is offline   Reply With Quote
Old 09-21-2010, 04:07 PM   #17
Full time employment: Posting here.
 
Join Date: May 2007
Posts: 530
Quote:
Originally Posted by CCdaCE View Post
Found this link. Don't know if the info. is accurate - as in, current. I was/am interested since DW drives a Soob.

Review of the Chase Subaru Mastercard Credit Card

The Chase site requires you to login for details.

-CC
The info on the website is consistent with the terms I have. The 3% is on every purchase, and you accumulate the "Subaru bucks" until you reach $100. Then they issue you a $100 certificate. Certificates are good for 4 years, can only be used at a Subaru dealer (for service or towards purchase of parts, vehicle, etc.). Also, you do not get change back from the certificates, so it makes sense to wait to use them until you know you will exceed the $100. I was offered the card at the time I bought my car in '05, and have been happy with the program. I only switch out to using the Discover card for those 5% categories each quarter.
__________________
ksr is offline   Reply With Quote
Old 09-21-2010, 04:38 PM   #18
Moderator
ziggy29's Avatar
 
Join Date: Oct 2005
Location: Texas
Posts: 15,613
Quote:
Originally Posted by jayc View Post
I got a letter yesterday from Schwab indicating they will end the relationship with Visa on Oct 1. I assume this perk is short lived.
That sucks. There goes half my credit line, most likely. If I'm going to get crap rewards, I'd just as soon use my 1% USAA Amex or my CU Visa.
__________________
"Hey, for every ten dollars, that's another hour that I have to be in the work place. That's an hour of my life. And my life is a very finite thing. I have only 'x' number of hours left before I'm dead. So how do I want to use these hours of my life? Do I want to use them just spending it on more crap and more stuff, or do I want to start getting a handle on it and using my life more intelligently?" -- Joe Dominguez (1938 - 1997)

RIP to Reemy, my avatar dog (2003 - 9/16/2017)
ziggy29 is offline   Reply With Quote
Old 09-21-2010, 04:41 PM   #19
Thinks s/he gets paid by the post
 
Join Date: Aug 2004
Location: Laurel, MD
Posts: 2,951
Penfed Visa Rewards
5% cashback monthly for any brand gasoline paid at the pump
2% cashback monthly for groceries
1% cashback monthly for everything else, except

3% cashback for back-to-school items (not exactly sure how they calculate this, but I think it's based on certain retailers and it's a seasonal promo)
__________________
...with no reasonable expectation for ER, I'm just here auditing the AP class.Retired 8/1/15.
jazz4cash is offline   Reply With Quote
Old 09-21-2010, 04:49 PM   #20
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
REWahoo's Avatar
 
Join Date: Jun 2002
Location: Texas Hill Country
Posts: 42,144
Quote:
Originally Posted by jazz4cash View Post
3% cashback for back-to-school items (not exactly sure how they calculate this, but I think it's based on certain retailers and it's a seasonal promo)
They've done several of those. Last year they gave 5% cashback on airline tickets for a limited time.
__________________

__________________
Numbers is hard

When I hit 70, it hit back

Retired in 2005 at age 58, no pension
REWahoo is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Credit card rewards Texas Proud FIRE and Money 43 08-09-2010 06:22 AM
Best cash rewards credit card for someone with no credit history? summer2007 FIRE and Money 11 10-16-2007 03:23 AM
Credit Card Travel Rewards yakers FIRE and Money 1 01-17-2006 12:10 PM
Best Credit Card for rewards tednvon FIRE and Money 14 09-09-2005 10:31 PM
Credit Card rewards Arin38 FIRE and Money 33 06-10-2005 05:26 AM

 

 
All times are GMT -6. The time now is 05:39 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.