General Best credit card with points

[kvr28]

I have 2 chase cards that I get 1 to 3 percent back on depending on where I purchase. I never carry a balance, pay off at the end of each month so not concerned about interest rate. Any other better options out there?

If you momo's aren't doing this, start. Use the credit card for your normal purchases that you would use cash or debit for and pay off each month. It's free money.

 

[Wanderluster]

All depends what your major spend categories are and especially if you know how to "game" them. Amex has a resy platinum offer floating around for 150k MR sign up bonus (SUB) plus 15x MR/$ up to $25k spend on restaurant.

 

[Fan_of_Fanboys]

The wife and I do the same and we use the Chase Sapphire Reserve but we like to travel.

It can get complicated, more than I care to do, but there are guides with great info. I think it's a mix of 3-5 Chase cards, each with different bonuses for certain categories. And if follow that you maximize the return. I'm just too lazy and only want to carry one card

 

[Bushkill Blades]

 

[Fan_of_Fanboys]

Love DR
But I always view him as a behavior specialist that focuses on financial behavior more than I view him as a financial planner or advisor. He can't tell people without self control to get a card and pay it in full each month

 

[Uncle Tom Doug]

The fact that he has an audience blows my mind. "Don't buy shit you can't afford"

Most people really are a bunch of retards.

 

[kvr28]

The fact that he has an audience blows my mind. "Don't buy shit you can't afford"

Most people really are a bunch of retards.

That is pretty much 99 percent of us here

 

[Wiggy]

That is pretty much 99 percent of us here

Hey now!! Speak for yourse...

...um...uh...ah...well...er...

...yeah, Ok. Point taken.

 

[Bushkill Blades]

The fact that he has an audience blows my mind. "Don't buy shit you can't afford"

Most people really are a bunch of retards.

I watch the little shorts on YouTube just to remind myself that I'm not retarded.

Hey Dave, I've got 1.7million in consumer debt and I saw this sports car I REALLY need to have...

 

[Bushkill Blades]

He can't tell people without self control to get a card and pay it in full each month

Those types need beatings to uh... further their financial literacy.

 

[kvr28]

Love DR
But I always view him as a behavior specialist that focuses on financial behavior more than I view him as a financial planner or advisor. He can't tell people without self control to get a card and pay it in full each month

Exactly

 

[MountainMedic]

I've got an Amazon card through Chase.
You get points from most purchases you can spend on Amazon.

3-4 years ago I was at my buddies and he had a bunch of new tools sitting in his garage. I asked about them and he told me about the card, said "we spend so much on Amazon every month (groceries delivered) that all these tools were basically free".

So that's my "can't justify buying it" slush fund. Adds up decently quick if you use the card for your daily shit.

 

[MountainMedic]

Love DR
But I always view him as a behavior specialist that focuses on financial behavior more than I view him as a financial planner or advisor. He can't tell people without self control to get a card and pay it in full each month

I use some of his stuff.
Envelopes for different funds works well for me. Its tangible, somehow that changes things.
But I was doing that before I ever heard of the guy.

 

[Rambo John J]

Costco Card is decent I think

I also have REI Visa and USAA CC

 

[Fan_of_Fanboys]

I use some of his stuff.
Envelopes for different funds works well for me. Its tangible, somehow that changes things.
But I was doing that before I ever heard of the guy.

Envelope and every dollar budget would change this country for the better if everyone used
Citizens and the government

 

[Isaac Fookin Nootin]

Amex Aeroplan Reserve card. It's an annual fee of $599, but if you travel as much as I do it's 1 million percent worth it.

Also have a cash back Visa, but rarely use it.

As an aside, Aeroplan the best Miles program by far.

 

[Fan_of_Fanboys]

Amex

The only reason I went with the chase Sapphire reserve instead of the AMEX platinum is the number of places, domestic but also international, that don't accept AMEX. The overall rewards are better but the use limitation was too risky for me. If my travel was 100% domestic though I would have.

 

[Uncle Tom Doug]

I've got an Amazon card through Chase.
You get points from most purchases you can spend on Amazon.

3-4 years ago I was at my buddies and he had a bunch of new tools sitting in his garage. I asked about them and he told me about the card, said "we spend so much on Amazon every month (groceries delivered) that all these tools were basically free".

So that's my "can't justify buying it" slush fund. Adds up decently quick if you use the card for your daily shit.

I've had one for years. I use the rewards to pay for my prime membership every year and have plenty left over to buy other shit.

 

[kvr28]

I've got an Amazon card through Chase.
You get points from most purchases you can spend on Amazon.

3-4 years ago I was at my buddies and he had a bunch of new tools sitting in his garage. I asked about them and he told me about the card, said "we spend so much on Amazon every month (groceries delivered) that all these tools were basically free".

So that's my "can't justify buying it" slush fund. Adds up decently quick if you use the card for your daily shit.

That's what I currently have and a chase saphire