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Best everyday use card...

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Anonymous
Not applicable

Re: Best everyday use card...


@travisr0 wrote:

Amex BCP and Chase marriot for everyday use, great rewards


Why the BCP?  Good on first $6K of supermarket per year, and not much else.  Rewards post a month behind, $75 AF.   I don't see it as an everyday card at all!

Message 11 of 29
grinlikechelsea
Established Contributor

Re: Best everyday use card...

If you value travel, the Merrill+ can be a 2% card if you redeem points for airline tickets within a certain price threshold. Additionally, there is no annual fee.

 

If you want straight cash, Fidelity AmEx and the Citi Double Cash are good options.

Message 12 of 29
bigbang91
Established Contributor

Re: Best everyday use card...

 


@Anonymous wrote:

@travisr0 wrote:

Amex BCP and Chase marriot for everyday use, great rewards


Why the BCP?  Good on first $6K of supermarket per year, and not much else.  Rewards post a month behind, $75 AF.   I don't see it as an everyday card at all!


6% cash back of 6000 equal 360$,easily cover AF.thus,unlimited 3% cashback at gas station and department store.it is a great card for everyday spending.

Message 13 of 29
Ghoshida
Valued Contributor

Re: Best everyday use card...


@bigbang91 wrote:

 


@Anonymous wrote:

@travisr0 wrote:

Amex BCP and Chase marriot for everyday use, great rewards


Why the BCP?  Good on first $6K of supermarket per year, and not much else.  Rewards post a month behind, $75 AF.   I don't see it as an everyday card at all!


6% cash back of 6000 equal 360$,easily cover AF.thus,unlimited 3% cashback at gas station and department store.it is a great card for everyday spending.


OP specifically asked for medical bills; BCP won't do much good there.

Also, going by Themanwhocan's charts, BCP is not anyway a clear winner for non-medical everyday spends like gas / grocery. OP might as well get a Sallie Mae MC each for the two of them, and that'll outshine BCP easy Smiley Happy

Message 14 of 29
Anonymous
Not applicable

Re: Best everyday use card...


@bigbang91 wrote:

 


@Anonymous wrote:

@travisr0 wrote:

Amex BCP and Chase marriot for everyday use, great rewards


Why the BCP?  Good on first $6K of supermarket per year, and not much else.  Rewards post a month behind, $75 AF.   I don't see it as an everyday card at all!


6% cash back of 6000 equal 360$,easily cover AF.thus,unlimited 3% cashback at gas station and department store.it is a great card for everyday spending.


Covering the fee isn't the point.   Much of the "everyday" spending is going to get 1% (a month in arrears at that) when there are a number of 1.5 and 2% cards.  BCP is good at grocery spending up to the cap, (and at a pinch, the select department stores).   For everything else, including gas, there are better alternatives

Message 15 of 29
happypill
Valued Contributor

Re: Best everyday use card...

Arrival+ is a great choice if you have at least some travel expenses to redeem against.  OP said he has high spend requirements, so offsetting the AF should be no problem.

 

If you don't have travel expenses to use rewards against, Citi double cash is a good choice.

 

Don't know if you have any interest in redeeming for points rather than cash-equivalents.  Personally, I prefer cash and the quicker it is paid the better.

Message 16 of 29
Anonymous
Not applicable

Re: Best everyday use card...


@celluloid17 wrote:

I would first find out what credit cards are accepted (if at all) to pay medical bills.  For instance, my health insurance company (Anthem Blue Cross) will only accept Visa or MasterCard for credit card payments, which eliminates Amex and Discover as contenders for me.  If Visa or MC is your only option, then Citi Double Cash wins by default. 


ummm... don't you pay medical bills directly to the hospital or doctor's office?

Message 17 of 29
L-TWT
Established Contributor

Re: Best everyday use card...

IMHO, hands down the Citi Double Cash. It has become my new debit card. But it seems Citi is starting accounts off with low CL. I'm lucky to have carried over my CL via a product change!!!


Message 18 of 29
Anonymous
Not applicable

Re: Best everyday use card...

I 2nd Citi Double Cash. It's mastercard and 2%!

Message 19 of 29
bigbang91
Established Contributor

Re: Best everyday use card...


@Anonymous wrote:

@bigbang91 wrote:

 


@Anonymous wrote:

@travisr0 wrote:

Amex BCP and Chase marriot for everyday use, great rewards


Why the BCP?  Good on first $6K of supermarket per year, and not much else.  Rewards post a month behind, $75 AF.   I don't see it as an everyday card at all!


6% cash back of 6000 equal 360$,easily cover AF.thus,unlimited 3% cashback at gas station and department store.it is a great card for everyday spending.


Covering the fee isn't the point.   Much of the "everyday" spending is going to get 1% (a month in arrears at that) when there are a number of 1.5 and 2% cards.  BCP is good at grocery spending up to the cap, (and at a pinch, the select department stores).   For everything else, including gas, there are better alternatives


All amex card except cobranded award points a month late,so np with that.And for the gas ,which alternative  has more than 3% unlimited all year round?

Message 20 of 29
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