Question on Rewards Cards

[veracious]

From what I've read ,some consumers consider the  maintenance of their rewards cards a considerable hassle.

With the juggling of spending, on this card or that card, to fit the coding of merchants and the timely use of purchases

in specific categories, some find it to be a lot of work.

Of all the buzz surounding rewards cards from different companies,  which of the CCC's make the experience the least difficult.

Thanks for any replies.

[vish1]

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@veracious wrote:

From what I've read ,some consumers consider the  maintenance of their rewards cards a considerable hassle.

With the juggling of spending, on this card or that card, to fit the coding of merchants and the timely use of purchases

in specific categories, some find it to be a lot of work.

Of all the buzz surounding rewards cards from different companies,  which of the CCC's make the experience the least difficult.

Thanks for any repies.

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IMO finding merchants in Chase 5% revolving categories is very easy...

https://www.chase.com/online/freedom/creditcard.htm

Clicking on 'Category FAQs' below the big "Activate for free now" button does the trick. May not be full list but covers most.

[vish1]

https://www.chase.com/online/freedom/creditcard.htm

Clicking on 'Category FAQs' below the big "Activate for free now" button does the trick. May not be full list but covers most.

[veracious]

Thanks, vish1   

Okay, Chase Freedom  seems hassle free...... (no guessing involved).

Are there any others like this?

[laz98]

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@veracious wrote:

From what I've read ,some consumers consider the  maintenance of their rewards cards a considerable hassle.

With the juggling of spending, on this card or that card, to fit the coding of merchants and the timely use of purchases

in specific categories, some find it to be a lot of work.

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i agree.  i  think i will just have to skip out on these rewards.  i could never keep all that info straight in my head.

[veracious]

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@laz98 wrote:

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@veracious wrote:

From what I've read ,some consumers consider the  maintenance of their rewards cards a considerable hassle.

With the juggling of spending, on this card or that card, to fit the coding of merchants and the timely use of purchases

in specific categories, some find it to be a lot of work.

---

i agree.  i  think i will just have to skip out on these rewards.  i could never keep all that info straight in my head.

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Actually  laz98, I'm with you on your point.

I just hoped I could  begin  to understand  if it's worth it.

Bad thing is though, now that I've admitted that, no one else will post.  , because they will think

that I'm  behind the times. 

[laz98]

well i guess we're both behind the times then!  LOL

i'm sure it's worth it for a lot of people, but for me, i'd rather focus that energy on saving my money & improving my overall financial picture. 

[veracious]

laz98, I hear ya!

Saving money and watching  it grow is very boring for some.

It's my hobby.

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eta:  It doesn't work well if you are running around spending it all the time

[MarineVietVet]

I seem to stay behind the times and that's ok. 

My Discover is my only rewards card and it's not that big of a deal keeping up with different categories for the most cash back. Their website is pretty good about explaining all that.

I don't think I would or could take the time to juggle several or more rewards cards. 

Edited cuz' I kent typ rite!!!

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[Anonymous]

Last October I got a Cap1 No Hassle Cash Rewards card. Mine's for "Average" credit, which means it's a rebuilder and it has a $39 AF. But, they also have one for "Excellent" credit, which has a 0 AF.

What I like about it is that I get 2% back on gas and groceries, and 1% back on everything else. They also run periodic special deals with various merchants for additional bonus cash back, on top of the base 1% or 2%. For example, I love IHOP's pumpkin pancakes, and last fall they offered an additional 3% back at IHOP... so I took advantage. They offered an additional 5% back on purchases at Barnes & Noble and 4% at WalMart, so I took advantage during my holiday shopping. They are offering 5% back at PetSmart through the end of next month for purchases of $40 or more, and since I need to get certain items that will more than total that amount, I intend to take advantage.

Bottom line... I put almost all of my day to day purchases -- things I would have been buying anyway -- on this card and made my AF back in 2 1/2 months. I'm set up to automatically receive a check in the mail when I hit the $50 cash back threshhold. I received my first check earlier this year and am well on my way towards another one. I love this card because it really is "no hassle." The only issue is the small CL -- $500, so I pay on my account several times a month -- but it is expected to go up soon. As my credit improves, I may look at getting their "Excellent" credit version.

Anyway... my 2 cents.

[laz98]

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@veracious wrote:

laz98, I hear ya!

Saving money and watching  it grow is very boring for some.   It's my hobby.

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eta:  It doesn't work well if you are running around spending it all the time

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i agree, i used to be one of those people who couldn't care less about saving!  all i wanted to do was spend spend spend.

now that i am almost done climbing out of the hole of debt that i dug for myself, i am actually very excited to have money in savings.  it's not a lot, to be sure, but it's a heck of a lot more than we used to have!  instead of making more credit card payments, i'm making more transfers to savings

i think if i had rewards cards, i would just want to go back to spending.  i would get addicted to watching the rewards add up instead of watching my savings add up.  the only rewards cards we have are chase debit & navy federal ncash rewards.