10-03-2012 12:19 AM
If it came right down to it, which card would you choose and why?
10-03-2012 12:38 AM
I'm normally not a fan of cash back cards, but if I had to choose one I'd go with PenFed. It doesn't charge forex, which is a really big deal if you spend most of your time outside the US like I do.
10-05-2012 07:55 PM
Both!!! They are good for different stuff, Penfed for Gas and Groceries, Cash + for bills. I would say Penfed first Cash+ second, I am gonna apply for both, they pull different Bureau anyway
10-05-2012 08:00 PM - edited 10-05-2012 08:01 PM
Neither. Go with the US Bank Flexperks card. With a package checking account, you get a decent amount of bonus points.
You can choose to get a statement credit with the rewards, or you can get twice as much out of the points by paying for flights.
The bonus points are better too. Currently, they are offering either a $150 statement credit or $300 in airfare just for signing up. The annual fee is waived by either spending a couple thousand per month or by talking to customer service.
So far, I have been earning around 4% rewards. They are also pretty generous about giving bonus/courtesy points.