topic Re: What is (are) the best credit card(s) for rewards? in Credit Cards

What is (are) the best credit card(s) for rewards?

Anonymous — Mon, 28 Jan 2019 02:41:23 GMT

I just searched this question (a few times) and thought there would be multiple threads, but I couldn't find any.

For a person that is just using credit cards to pay bills / pay them off every month, which card or cards offer the best rewards?

Re: What is (are) the best credit card(s) for rewards?

Anonymous — Mon, 28 Jan 2019 03:02:56 GMT

It really depends on what type(s) of reward you’re interested in.

Re: What is (are) the best credit card(s) for rewards?

pinkandgrey — Mon, 28 Jan 2019 22:44:11 GMT

@Anonymous wrote:
It really depends on what type(s) of reward you’re interested in.

Type of rewards AND type of bills you’re paying. Some cards offer high cashback on certain categories. For example, my US Bank Cash Plus gives me 5% back on my phone bill every month. My BBVA Clearpoints card will give me 3% on gas. For everything else, I go with the Citi DC. 2% on everything.

Re: What is (are) the best credit card(s) for rewards?

Anonymous — Mon, 28 Jan 2019 22:55:32 GMT

For uncomplicated straight rewards on all purchases, PayPal cashback or Citi DC are both 2% cards.

Then there are the category cards mentioned here. If you pair them with a 2% card you’ll almost always come out ahead but if you just have category cards that give 1% back on other purchases, you’ll end up missing out on cashback most of the time so if you get a category card like the BBVA Compass ClearPoints or the US Bank Cash+, make sure to get a 2% general spend card for everything else.

Re: What is (are) the best credit card(s) for rewards?

jdbkiang — Mon, 28 Jan 2019 23:34:36 GMT

1. Are you looking for cash back or travel rewards?

2. What categories do most of your spend fall under?

3. What's your credit score?

Re: What is (are) the best credit card(s) for rewards?

Anonymous — Mon, 28 Jan 2019 23:36:39 GMT

@pinkandgrey wrote:
@Anonymous wrote:
It really depends on what type(s) of reward you’re interested in.
Type of rewards AND type of bills you’re paying. Some cards offer high cashback on certain categories. For example, my US Bank Cash Plus gives me 5% back on my phone bill every month. My BBVA Clearpoints card will give me 3% on gas. For everything else, I go with the Citi DC. 2% on everything.

And, to add: some bills may add on an extra fee for paying by credit card. (Utilties are like this in my area). In which case you either decide to skip paying by card, or you have to get one that earns more than the fee.

Re: What is (are) the best credit card(s) for rewards?

Anonymous — Mon, 28 Jan 2019 23:39:28 GMT

@Anonymous wrote:
@pinkandgrey wrote:
@Anonymous wrote:
It really depends on what type(s) of reward you’re interested in.
Type of rewards AND type of bills you’re paying. Some cards offer high cashback on certain categories. For example, my US Bank Cash Plus gives me 5% back on my phone bill every month. My BBVA Clearpoints card will give me 3% on gas. For everything else, I go with the Citi DC. 2% on everything.
And, to add: some bills may add on an extra fee for paying by credit card. (Utilties are like this in my area). In which case you either decide to skip paying by card, or you have to get one that earns more than the fee.

Or just pay many months at a time to offset the fee.

Re: What is (are) the best credit card(s) for rewards?

Anonymous — Mon, 28 Jan 2019 23:41:19 GMT

@Anonymous wrote:
I just searched this question (a few times) and thought there would be multiple threads, but I couldn't find any.

I am surprised you couldn't find any! Usually what happens is someone ask "What is the best card?" and get told that it is subjective, depending on goals, spending level and what you spend on. If there was a single best card, this forum would be much less active!

Note, that's not to say all cards are candidates, there are certainly situations where card A is worse than card B in all practical use cases (As a non-practical one, if your mother is CEO of the issuing bank, might be worth getting card A anyway!).

But the question is pretty similar to going to a forum about cars/pets/careers, and asking "Which is the best car/dog/job?"

Re: What is (are) the best credit card(s) for rewards?

Anonymous — Mon, 28 Jan 2019 23:59:54 GMT

1. Travel

2. Groceries

3. 720-740

Please any suggestions =)

Re: What is (are) the best credit card(s) for rewards?

Anonymous — Tue, 29 Jan 2019 00:30:10 GMT

@Anonymous wrote:
1. Travel
2. Groceries
3. 720-740

Please any suggestions =)

amex gold.

Re: What is (are) the best credit card(s) for rewards?

Anonymous — Tue, 29 Jan 2019 00:36:27 GMT

That is exactly what I searched, expecting to find answers...but not a single thread.

Re: What is (are) the best credit card(s) for rewards?

jdbkiang — Tue, 29 Jan 2019 00:38:14 GMT

@Anonymous wrote:
1. Travel
2. Groceries
3. 720-740

Please any suggestions =)

Your main spend is groceries? Any other spend?

If not, Amex Gold provides solid travel rewards and 4x on groceries. Otherwise, the EDP or ED also provide travel rewards with groceries as a bonus. I would typically recommend Chase for travel rewards to start with, but they don't really have groceries as a bonus, though there are ways around that.

Re: What is (are) the best credit card(s) for rewards?

jdbkiang — Tue, 29 Jan 2019 00:38:57 GMT

@Anonymous wrote:
That is exactly what I searched, expecting to find answers...but not a single thread.

You will find more answers if you tell us what kind of rewards you want, what you spend on, and where your credit is at?

Re: What is (are) the best credit card(s) for rewards?

wasCB14 — Tue, 29 Jan 2019 00:43:42 GMT

Where you buy groceries can be a factor. Walmart, Target, and others may not necessarily code as grocery.

And there's the question of getting the right transfer partner(s)...MRs might not be ideal if you live in a United hub and don't want to mess around with codeshare partners.

Re: What is (are) the best credit card(s) for rewards?

Anonymous — Tue, 29 Jan 2019 00:48:09 GMT

@Anonymous wrote:
That is exactly what I searched, expecting to find answers...but not a single thread.

I just put in the search box "Best credit card" and get a whole list, including "Best Cashback Credit card", "Best Credit cards for 2018", "Best Credit Cards for International Travel" "Best Hotel Credit Card Available"......

Re: What is (are) the best credit card(s) for rewards?

Anonymous — Tue, 29 Jan 2019 00:48:10 GMT

Walmart online grocery and neighborhood market does count as 4x, so ensure you have one nearby.

Re: What is (are) the best credit card(s) for rewards?

Anonymous — Tue, 29 Jan 2019 00:52:03 GMT

@Anonymous wrote:
@Anonymous wrote:
@pinkandgrey wrote:
@Anonymous wrote:
It really depends on what type(s) of reward you’re interested in.
Type of rewards AND type of bills you’re paying. Some cards offer high cashback on certain categories. For example, my US Bank Cash Plus gives me 5% back on my phone bill every month. My BBVA Clearpoints card will give me 3% on gas. For everything else, I go with the Citi DC. 2% on everything.
And, to add: some bills may add on an extra fee for paying by credit card. (Utilties are like this in my area). In which case you either decide to skip paying by card, or you have to get one that earns more than the fee.
Or just pay many months at a time to offset the fee.

Yes, if it is a flat fee. My city bills are 2.9% of the total, so prepay doesn't help

Re: What is (are) the best credit card(s) for rewards?

Anonymous — Tue, 29 Jan 2019 00:53:16 GMT

fair enough

thank you

Re: What is (are) the best credit card(s) for rewards?

Anonymous — Tue, 29 Jan 2019 00:57:28 GMT

I buy Groceries in Walmart and Costco as well. So I guess the main categories inlude Wholesale clubs

We don't really dine out and fuel expenses do not exceed 60 per month so i consider it immaterial

the other categories are so called non-categories spent

Re: What is (are) the best credit card(s) for rewards?

Remedios — Tue, 29 Jan 2019 01:20:26 GMT

@Anonymous wrote:
@Anonymous wrote:
That is exactly what I searched, expecting to find answers...but not a single thread.
I just put in the search box "Best credit card" and get a whole list, including "Best Cashback Credit card", "Best Credit cards for 2018", "Best Credit Cards for International Travel" "Best Hotel Credit Card Available"......

I would love to hear your nominees for each category