Nissan VISA redemption rate isn't great

[wasCB14]

If you expect to redeem MRs, AAdvantage miles, or HHonors points for future travel, then one/some of those might be better for non-gas, non-auto spend.

The earn rate for gas is good if you're confident you'll redeem for service or a vehicle. I suspect a lot of people end up abandoning some or all of their rewards.

[Anonymous]

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@Anonymous wrote:

I'd keep using the card for gas and dining. It'll be hard to beat 5% and 3% back in the long run. Then I'd put all other spend on a 1.5% or 2% back card. If I were you, I'd try to maximize my rewards on different cards. Later on you can still combine all the rewards you earned in cash back from other cards into a downpayment. 

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This sounds good.  I do have a 1.5% back card with CapOne but the interest rate is 19%.  I would have to never carry a balance to keep the interest rate from eating my cash back. Are there any cash back cards with a low interest rate?  What kind of rate does Citi Double Cash offer?  I've tried to get CapOne to lower the rate but they won't.

[Appleman]

The whole point of a cash back card is to not carry a balance. Once you do the bank has won.

You need another card with a lower interest rate to carry a balance if that is what you must do.

[Anonymous]

IMHO it isn't worth it.  So you spend 20 months on a car to get a 1000 dollars off a Nissan?  What if you decide in 2 years you don't wan't a Nissan?  And there often ways to get money off of a car.  Buying Services might help you. I got a special 2k extra off of my BMW X3 as USAA has deal with BMW to get extra off. No spending required. 

[Anonymous]

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@Anonymous wrote:

IMHO it isn't worth it.  So you spend 20 months on a car to get a 1000 dollars off a Nissan?  What if you decide in 2 years you don't wan't a Nissan?  And there often ways to get money off of a car.  Buying Services might help you. I got a special 2k extra off of my BMW X3 as USAA has deal with BMW to get extra off. No spending required. 

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Yes I can buy services as well. Also, I can use the reward as cash down on an Infiniti too.