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What's the Best Credit Card Deal You've Found?
Topic Started: Mar 8 2008, 07:12 AM (289 Views)
QuirtEvans
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I Owe It All To John D'Oh
Most credit cards, these days, offer some kind of cash back reward.

The one I use the most, at the moment, is an Amazon Visa card. 1% back on all purchases (payable in the form of an Amazon certificate), and 3% on all Amazon purchases.

I'm curious what other good deals people have found.
It would be unwise to underestimate what large groups of ill-informed people acting together can achieve. -- John D'Oh, January 14, 2010.
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Jack Frost
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Bull-Carp
We have an RBS 1% cash back no annual fee. Not sure what the interest rate is but that is not relevant.

jf
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Mikhailoh
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If you want trouble, find yourself a redhead
We have a Citibank that accumulates then goes into our 529 account. Not sure what the percentage is.
Once in his life, every man is entitled to fall madly in love with a gorgeous redhead - Lucille Ball
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George K
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Finally
I use my Discover card for everything (including my kids' college tuition). I pay it off every month. Discover gives you 1% cash back but.....there are some sweetheart deals as well.

First of all, if you request your 1% back in form of a coupon that is accepted by a "Discover Partner" it adds to the value of the coupon. So, if I withdraw $20 in cashback, they'll mail me a giftcard I can use at Staples worth $25. $40 is worth $50 at some vendors.

Every quarter they have a "Special Deal" promotion: gas and travel, groceries, clothing. The promotion lasts a quarter, and your purchases in that category are rewarded at 5% cashback, rather than 1% (to a maximum).

Discover has also partnered with other vendors, such as Apple, so that, if you link to the Apple store through the Discover gateway, you'll get 5% cashback on your purchase (I don't think there's a maximum).

When you put $55,000 on the Discover card for tuition annually, it adds up.
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ivorythumper
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Best Buy gives anywhere from 6 mo to 18 mo interest free -- that to me seems way better than any cash back offer.

Other than that, we use the Citi Advantage which gives airmiles. Our trip to Boston was First Class on accumulated miles. For us, that is worth a lot more than the cash back.

e.g., assume monthly credit card bill is $3000 x 12 = 36000 * 1% = $360 cash back

That same purchasing gives at least 36000 airmiles, and the free round trip First class upgrade is only 30,000 miles.
The dogma lives loudly within me.
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musicasacra
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ivorythumper
Mar 8 2008, 08:47 AM
Best Buy gives anywhere from 6 mo to 18 mo interest free -- that to me seems way better than any cash back offer.

Other than that, we use the Citi Advantage which gives airmiles.  Our trip to Boston was First Class on accumulated miles. For us, that is worth a lot more than the cash back. 

e.g., assume monthly credit card bill is $3000 x 12 = 36000 * 1% = $360 cash back

That same purchasing gives at least 36000 airmiles, and the free round trip First class upgrade is only 30,000 miles.

Yes, Best Buy is the best store card we have. Their lengthy 0% offers, plus Best Buy Rewards dollars you earn on purchases, plus other discounts are awesome.

For regular credit cards, I definitely prefer to earn miles or hotel points as my reward -- they're a much bigger reward for my purchases than cash back or other rewards. And with the current exchange rates, it's smart spending American dollars on purchases here and redeeming those points for free hotel nights in Europe.

I prefer American Express (can use the points on many airlines, hotels, or for merchandise) or the Citi AAdvantage card (since American Airlines is tied into the One World Alliance -- British Airways, et al.).
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QuirtEvans
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I Owe It All To John D'Oh
Coincidentally, we were at Costco today. They are offering a no-fee Amex card, with 3% back on gasoline, 3% on restaurants, 2% on travel, and 1% everywhere else, including Costco.

Sounds like a card I need to get.
It would be unwise to underestimate what large groups of ill-informed people acting together can achieve. -- John D'Oh, January 14, 2010.
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jgoo
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I have a Washington Mutual credit card and a USAA credit card. Not entirely sure of the specifics of each one anymore. I was when I opened the accounts, but have since forgotten.
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ivorythumper
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QuirtEvans
Mar 8 2008, 01:59 PM
Coincidentally, we were at Costco today. They are offering a no-fee Amex card, with 3% back on gasoline, 3% on restaurants, 2% on travel, and 1% everywhere else, including Costco.

Sounds like a card I need to get.

That's a great deal -- especially buying gas at Costco.

My only question is how often do you really want to eat hot dogs and pizza at the Costco restaurant? :blink:
The dogma lives loudly within me.
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QuirtEvans
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I Owe It All To John D'Oh
ivorythumper
Mar 8 2008, 04:55 PM
QuirtEvans
Mar 8 2008, 01:59 PM
Coincidentally, we were at Costco today.  They are offering a no-fee Amex card, with 3% back on gasoline, 3% on restaurants, 2% on travel, and 1% everywhere else, including Costco.

Sounds like a card I need to get.

That's a great deal -- especially buying gas at Costco.

My only question is how often do you really want to eat hot dogs and pizza at the Costco restaurant? :blink:

That would be 3% on ALL restaurants, not just Costco restaurants.
It would be unwise to underestimate what large groups of ill-informed people acting together can achieve. -- John D'Oh, January 14, 2010.
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kluurs
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Fulla-Carp
I have the Costco Amex - has worked out well for me - several hundred dollars rebate..
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ivorythumper
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I am so adjective that I verb nouns!
QuirtEvans
Mar 8 2008, 03:14 PM

That would be 3% on ALL restaurants, not just Costco restaurants.

Well, OK, as long as you can get hot dogs and pizza at the Costco as well... :leaving:
The dogma lives loudly within me.
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taiwan_girl
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Fulla-Carp
Chase credit card. 3% back on purchases and when you have accummulated $200 US in rebates, you can submit that for a $250US check.
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Renauda
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HOLY CARP!!!
I avoid using credit cards unless for reimbursable business expenses.
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