topic Re: Best Bang For Your Buck Reward Card in Credit Cards

Best Bang For Your Buck Reward Card

Repairman — Mon, 04 May 2015 00:29:43 GMT

What card out there, from any company, offers the easiest to accumulate/valuable Rewards Points that can be used in a variety of ways, ie., gift cards, cash back, statement credit, travel, etc...If you could only have 1 credit card to use for ALL your purchases, and you wanted a killer rewards structure, what would it be? FYI, I spend a huge amount each month/year on restaurants. And I spend on average about $3000/mo on credit cards.

Re: Best Bang For Your Buck Reward Card

Anonymous — Sun, 03 May 2015 23:34:31 GMT

It really depends on spending habits more than anything else. Like, for example, if your spending low to moderate and you mostly spend on gas and groceries, Sallie Mae may be the best bet. If your spend is higher, BCP can overtake Sallie fairly quickly. If you mostly eat at restaurants, Chase AARP may be a better fit, etc etc etc.

Re: Best Bang For Your Buck Reward Card

Anonymous — Sun, 03 May 2015 23:35:54 GMT

Best from any company?

TD Bank gives 5% back on everything for the first 6 months. If you want a longer time frame, JCB Marukai gives 3% back on everything.

Re: Best Bang For Your Buck Reward Card

Anonymous — Sun, 03 May 2015 23:43:29 GMT

@Anonymous wrote:
Best from any company?

TD Bank gives 5% back on everything for the first 6 months. If you want a longer time frame, JCB Marukai gives 3% back on everything.

Really? The old card was 5% on dining, groceries, utilities which is good but not everything.

And OP, exactly the same comments apply here as to your Best Amex thread.

Re: Best Bang For Your Buck Reward Card

Callandra — Sun, 03 May 2015 23:48:37 GMT

There really isn't -one- card for everything (closest for me would probably be Quicksilver as it's a Visa with great acceptance, no FTF, and 1.5% back on everything; if I was only ever going to have one card, that's what I would get but I like trying to get a bit more for rewards and I don't like the idea of only having one card), that's why there are so many card choices out there! You need to break down your spend and decide what you want to use the cards for (travel points, cash back, etc).

Re: Best Bang For Your Buck Reward Card

Luscher — Mon, 04 May 2015 00:08:14 GMT

Theres a bunch. I like UR points so freedom is a good choice. Callie may is a good cash back card also. Discover It........The list goes on

Re: Best Bang For Your Buck Reward Card

Repairman — Mon, 04 May 2015 00:11:12 GMT

@Anonymous wrote:
It really depends on spending habits more than anything else.

I spend ALOT on eating out at restaurants.

Re: Best Bang For Your Buck Reward Card

Anonymous — Mon, 04 May 2015 00:11:19 GMT

Fidelity Amex

Re: Best Bang For Your Buck Reward Card

skorpyo3 — Mon, 04 May 2015 00:23:23 GMT

BoA Cash Rewards 1-3% plus 10% bonus if transferred to BofA checking or savings.

Re: Best Bang For Your Buck Reward Card

Anonymous — Mon, 04 May 2015 00:28:55 GMT

@Anonymous wrote:
Fidelity Amex

Why is that better than say Citi Double Cash? You don't have the 1+1% issue, but it has a higher redemption limit and is less accpeted than a MC.

Re: Best Bang For Your Buck Reward Card

Anonymous — Mon, 04 May 2015 00:29:39 GMT

You really need to stop asking others what is the 'best' is for anything. Do your research and find out what's best for you. You'll get 100 different answers about the 'best'. It's one thing to ask something like who has the most cash back on groceries right now. However, both your threads are far too general and aren't going to replace you looking over the various cards out there.

Re: Best Bang For Your Buck Reward Card

Anonymous — Mon, 04 May 2015 00:35:09 GMT

@Anonymous wrote:
You really need to stop asking others what is the 'best' is for anything. Do your research and find out what's best for you. You'll get 100 different answers about the 'best'. It's one thing to ask something like who has the most cash back on groceries right now. However, both your threads are far too general and aren't going to replace you looking over the various cards out there.

+1. Amd even ifyou did ask who has the most groceries cashback, the answer would still vary on if you used Walmart/Target etc. But it would be good to look at the cards, find a few of interest, and ask something like: "Card X seems to fit my needs of getting cashback on......, any positive or negative experiences with it"

Which you may still choose to discount, but at least you focus the discussion.

Re: Best Bang For Your Buck Reward Card

Anonymous — Mon, 04 May 2015 00:37:08 GMT

@Anonymous wrote:
@Anonymous wrote:
You really need to stop asking others what is the 'best' is for anything. Do your research and find out what's best for you. You'll get 100 different answers about the 'best'. It's one thing to ask something like who has the most cash back on groceries right now. However, both your threads are far too general and aren't going to replace you looking over the various cards out there.
+1. Amd even ifyou did ask who has the most groceries cashback, the answer would still vary on if you used Walmart/Target etc. But it would be good to look at the cards, find a few of interest, and ask something like: "Card X seems to fit my needs of getting cashback on......, any positive or negative experiences with it"
Which you may still choose to discount, but at least you focus the discussion.

Great points.

Re: Best Bang For Your Buck Reward Card

Repairman — Mon, 04 May 2015 00:41:25 GMT

@Anonymous wrote:
You really need to stop asking others what is the 'best' is for anything. Do your research and find out what's best for you. You'll get 100 different answers about the 'best'. It's one thing to ask something like who has the most cash back on groceries right now. However, both your threads are far too general and aren't going to replace you looking over the various cards out there.

"What card out there, from any company, offers the easiest to accumulate/valuable Rewards Points that can be used in a variety of ways, ie., gift cards, cash back, statement credit, travel, etc...If you could only have 1 credit card to use for ALL your purchases, and you wanted a killer rewards structure, what would it be?"

That's what I wrote. Where in there do I ask "what is the "best" is for anything?" I do extensive research every day, which is why I am on this board, and part of that research is hearing opinions FROM OTHERS. Obviously, everyone has different things they look for, and for different reasons, and I am interested in what OTHERS find most beneficial to them, in order to get a different perspective, that I may have been blind to. There was nothing "far too general" about the question I posted, as I listed several SPECIFIC examples of things I was interested in hearing about. If you are not interested in sharing your opinion on the question that is fine, but you taking the time to post that you don't like my questions isn't benefiting anyone. Several people easily provided me with helpful answers. I'm sorry you couldn't have been one of them.

Re: Best Bang For Your Buck Reward Card

Anonymous — Mon, 04 May 2015 00:44:54 GMT

@Repairman wrote:
@Anonymous wrote:
You really need to stop asking others what is the 'best' is for anything. Do your research and find out what's best for you. You'll get 100 different answers about the 'best'. It's one thing to ask something like who has the most cash back on groceries right now. However, both your threads are far too general and aren't going to replace you looking over the various cards out there.
"What card out there, from any company, offers the easiest to accumulate/valuable Rewards Points that can be used in a variety of ways, ie., gift cards, cash back, statement credit, travel, etc...If you could only have 1 credit card to use for ALL your purchases, and you wanted a killer rewards structure, what would it be?"

That's what I wrote. Where in there do I ask "what is the "bes" is for anything?" I do extensive research every day, which is why I am on this board, and part of that research is hearing opinions FROM OTHERS. Obviously, everyone has different things they look for, and for different reasons, and I am interested in what OTHERS find most beneficial to them, in order to get a different perspective, that I may have been blind to. There was nothing "far too general" about the question I posted, as I listed several SPECIFIC examples of things I was interested in hearing about. If you are not interested in sharing your opinion on the question that is fine, but you taking the time to post that you don't like my questions isn't benefitig anyone.

Both of your threads are very general. 'gifts cards, cash back, statement credit' are not specific. Also, when you post, you are going to get various opinions, not all have to 'benefit' you. My points are directed at others as well and I'll continue to tell people to do their own research

Re: Best Bang For Your Buck Reward Card

Anonymous — Mon, 04 May 2015 00:47:45 GMT

@Repairman wrote:
That's what I wrote. Where in there do I ask "what is the "best" is for anything?" I do extensive research every day, which is why I am on this board, and part of that research is hearing opinions FROM OTHERS. Obviously, everyone has different things they look for, and for different reasons, and I am interested in what OTHERS find most beneficial to them, in order to get a different perspective, that I may have been blind to. There was nothing "far too general" about the question I posted, as I listed several SPECIFIC examples of things I was interested in hearing about. If you are not interested in sharing your opinion on the question that is fine, but you taking the time to post that you don't like my questions isn't benefiting anyone. Several people easily provided me with helpful answers. I'm sorry you couldn't have been one of them.

In the title? Also, how extensive is your every day research that you needed to ask about the meaning of PRG and SM which are discussed daily here.

Re: Best Bang For Your Buck Reward Card

Anonymous — Mon, 04 May 2015 00:49:10 GMT

@Repairman,

This -That's what I wrote. Where in there do I ask "what is the "best" is for anything?" I do extensive research every day, which is why I am on this board, and part of that research is hearing opinions FROM OTHERS. Obviously, everyone has different things they look for, and for different reasons, and I am interested in what OTHERS find most beneficial to them, in order to get a different perspective, that I may have been blind to. There was nothing "far too general" about the question I posted, as I listed several SPECIFIC examples of things I was interested in hearing about. If you are not interested in sharing your opinion on the question that is fine, but you taking the time to post that you don't like my questions isn't benefiting anyone. Several people easily provided me with helpful answers. I'm sorry you couldn't have been one of them.

@Irish80 is not trying to give you a hard time. The question asked is a broad subject as no one credit card does the what you are asking. People get cards for various reasons. Some of the reasons are NOT acceptable and CANNOT be discussed on this board. So google is your best friend with a question like what you asked. If you go into google, a variety of things will come up for you to decide what is best for your situation ....

A topic likes this evokes passion from people all over this board with agreements and disagreements on what card is best. That is why you are getting the response you are getting. So google is your best friend here.

Re: Best Bang For Your Buck Reward Card

Repairman — Mon, 04 May 2015 00:59:41 GMT

Again, I do my own research, and am doing it right now. I don't need you tell me the obvious.

Re: Best Bang For Your Buck Reward Card

Repairman — Mon, 04 May 2015 01:00:57 GMT

@Anonymous wrote:
In the title? Also, how extensive is your every day research that you needed to ask about the meaning of PRG and SM which are discussed daily here.

A title is a quck headline to get attention. The body of the post went further...as explained.

Re: Best Bang For Your Buck Reward Card

Repairman — Mon, 04 May 2015 01:03:22 GMT

@Anonymous wrote:
@Repairman,

A topic likes this evokes passion from people all over this board with agreements and disagreements on what card is best. That is why you are getting the response you are getting. So google is your best friend here.

Clearly, but I still got many answers from other people on this very post that I found to be extremely helpful and insightful.