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Old March 22nd, 2013, 10:30 AM   #1
TJJEEP
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Default Best rewards credit card?

I have PNC and loved their PNC points but they discontinued the program. It was great getting $300 - $400 a year in gift cards with their points programs just for buying shit I was going to buy anyway.

I make everyday purchases - gas, bondage gear, groceries, porn, fleshlights, online shopping. I am looking for rewards such as gift cards and not so much travel or anything else.

Interest rates on the card do not matter so much as I will be paying it off each month.
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Old March 22nd, 2013, 10:32 AM   #2
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My current plan, which I just started is a combination of Chase Freedom and Chase Amazon.

Freedom for the revolving quarterly category.
Amazon for everything else.

And of course, like you said, the key is to pay them off and not carry a balance otherwise the interest will quickly negate any savings you get.
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Old March 22nd, 2013, 10:35 AM   #3
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What's the revolving quarterly category?
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Old March 22nd, 2013, 10:55 AM   #4
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Amex Blue Cash. 5% CB on fuel and groceries, 1% back on everything else as long as you spend $6500 per year on it.
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Old March 22nd, 2013, 10:55 AM   #5
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I use chase for business stuff and cabelas for personal, vehicle maint, etc.
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Old March 22nd, 2013, 11:02 AM   #6
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use discover for most everything. there is 5% cash back on some things. It changes every few months. 1% on everything else. You can pick gift cards, a check, apply it to your balance or now even use it as cash at amazon.com. we also use amazon card to get bonus stuff when buying from amazon.com.
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Old March 22nd, 2013, 11:23 AM   #7
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The best credit card reward is not having a credit card
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Old March 22nd, 2013, 11:26 AM   #8
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I use Cabelas (points for toys) and Amex Delta (miles, free bags, preferred boarding, annual free companion fare, and cheap drinks onboard).

X eleventyjillion to avoiding interest...
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Old March 22nd, 2013, 12:01 PM   #9
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Originally Posted by GREASYHANDS View Post
The best credit card reward is playing with someone else's money for a month, getting cash back, and paying it off with no interest.
FTFY

Chase Freedom rotates every 3 months. Like next month is restraunts, Lowes, something else...not sure exactly, then one period will be gas and a couple things, the period right before Xmas is Amazon, etc...

It's all on their site if you need more info.
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Old March 22nd, 2013, 12:05 PM   #10
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Quote:
Originally Posted by TJJEEP View Post
What's the revolving quarterly category?
um, it changes every quarter...

right now it's gas, next is restaurants plus something... everything else is always 1%, not much but better then nothing if you don't carry any balance.
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Old March 22nd, 2013, 12:09 PM   #11
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Quote:
Originally Posted by GREASYHANDS View Post
The best credit card reward is not having a credit card
for people who can't handle paying off the card every month you are correct,
for those who can, there can be some good deals.

I pay all my utility bills and gas with mine, and pay it off each month so I never pay interest. I'm earning about $400/year off the CB on things I would be paying anyways.
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Old March 22nd, 2013, 12:28 PM   #12
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I have Chase freedom.

I will have to look into that American express card for gas at 5% year round, otherwise I thought capital one did 3% year round (better than nothing). I wanted to get one with better cash back for gas year round anyways.

I do not keep a balance.
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Old March 22nd, 2013, 12:34 PM   #13
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Ok the Amazon card was a no-brainer for me. I should have 6 million amazon points in no time.

The Chase Freedom is offering $100 cash back so I will probably sign up for that one as well. You just have to spend $500 in the first three months. That's a tank of gas and a quality blow-up doll until I hit my goal.

Damn these card companies are just giving money away.
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Old March 22nd, 2013, 01:01 PM   #14
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Quote:
Originally Posted by swampjeep View Post
for people who can't handle paying off the card every month you are correct,
for those who can, there can be some good deals.

I pay all my utility bills and gas with mine, and pay it off each month so I never pay interest. I'm earning about $400/year off the CB on things I would be paying anyways.
X2 free money for buying shit I would get anyway.
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Old March 22nd, 2013, 02:18 PM   #15
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Quote:
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Ok the Amazon card was a no-brainer for me. I should have 6 million amazon points in no time.
I'm in the same boat. Its astounding how much I've bought from Amazon since becoming a prime member back in April.



The only thing I don't like is it seems like I may need to print out a quick reference manual for which card to use where and when....for the wife. My jew prowess gives me instant best deal radar.
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Old March 22nd, 2013, 02:21 PM   #16
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The PNC credit card points card is not being discontinued , the PNC Check card is .

Just in case you mixed the info up :

https://pncpoints.visaextras.com/Fro...?ReturnUrl=%2f
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Old March 22nd, 2013, 03:17 PM   #17
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I love my amazon card. I use it to travel for work. Ill get rewards 20-30 bux a trip.
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Old March 22nd, 2013, 03:22 PM   #18
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I love my amazon card. I use it to travel for work. Ill get rewards 20-30 bux a trip.
Cliff notes on percentages or points system?
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Old March 23rd, 2013, 01:16 PM   #19
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Cliff notes on percentages or points system?
3% amazon purchases, 2% gas and restaurants, 1% everything else.
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Old March 25th, 2013, 07:52 AM   #20
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Quote:
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The best credit card reward is not having a credit card



Cash back, extended warranties, never need to carry cash.....
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