Credit Cards

[snowmobilelegend]

Currently I have a secured card with a CU.  It has no AF.  I use for all my spending except rent.  Everything goes on the card.  It only has a 1000 dollar limit.   I pay it off every week when I get my paycheck.  I never pay any interest.  It currently gives me 1 point for every dollar I spend.  I plan on using the points to take a vacation, prolly buy a plane ticket.  They cost 20k points.  I am looking at getting a new CC that offers a better reward (dollar amount value) than what I have with no AF.  I would prefer a CU, but since I won't pay interest, I guess a big bank is OK.  I spend about 15-20k a year on the card, with the amount increasing the next few years.  Does anyone have suggestions?  My credit history is about 7 years long.  I haven't looked lately, but my score should be above 700.  Thanks!

[Brusilov]

What are the items you spend the most money on monthly?  Without knowing that...Chase Freedom, Discover More, Amex Blue Cash are some that come immediately to mind.

[snowmobilelegend]

20-25% is fuel for my car

20-25% is groceries bought at Fred Meyer

80  is cell phone

60 is car insurance

the rest is just random places....

Tuiton 3x a year paid to university

*edited to add tuition*

[john398]

Discover or Chase Freedom maybe

[Brusilov]

Sounds like the Amex Blue Cash Every day card would be a pretty good fit: 

• Earn 3% cash back at supermarkets.
• Earn 2% cash back at gas stations and department stores.
• Earn 1% cash back on all other eligible purchases

Assuming 25/25 and 1% on everything else that's an average of 1.75% which is pretty good. 

Another I kind of like is Nasa FCU's Platinum Cash Rewards which is tiered and not dependent on spending type:

• 1% rebate for purchases up to $1,000
• 1.25% rebate for purchases from $1,001 up to $2,000
• 2% rebate for purchases from $2,001 or more

I'm sure there are others to consider as well!

[Crashem]

Penfed plat rewards. 5pts gas 3pts groceries Great cu but conservative lender but once in very generous and great rates Amex blue cash everyday 3% groceries 2% gas and department stores cash back

[flowfaster]

Maybe the BofA cash rewards 123 card or the Amex Blue cash for your spending habbits.

[drkaje]

With that level of spending the BCP's annual fee wouldn't be a factor.

[Guava]

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drkaje wrote:

With that level of spending the BCP's annual fee wouldn't be a factor.

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It's hard to estimate because it depends on how much you personally spend on each categories. I found a nice online calculator where you put in how much you spend and it'll calculate the cashback amount so you'll see which card will give you the most cashback:

http://www.creditcardwatcher.com/amex-blue-cash-rebate-calculator/

[ajh5408]

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Crashem wrote:
Penfed plat rewards. 5pts gas 3pts groceries Great cu but conservative lender but once in very generous and great rates Amex blue cash everyday 3% groceries 2% gas and department stores cash back

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Second the PenFed Platinum Rewards card! The program is still fairly new, but they have decent redemption offerings (including 1:1 cash with a $50 minimum) and it's issued by a CU, as you indicated you would prefer.