/biz/ - Business & Finance

>>17041470
These are my principles:
1) Always pay off the full statement balance at the end of every month
2) Only use credit cards with no annual fee
3) Only use cash-back credit cards (no airline miles bullshit)

These are my cards:
Fidelity Rewards
>2% cash back on everything
US Bank Cash+
>5% cash back on my cell phone bill
>5% cash back on my internet bill
American Express Blue Cash Everyday
>3% cash back on groceries
Chase AARP
>3% cash back at gas stations
>3% cash back at restaurants
Capital One Quicksilver
>free foreign transactions
>only pays 1.5% cash back, so I only use it when I'm travelling

I get a discount of between 2% and 5% on every dollar I spend besides rent and taxes (and the 1.5% cash back I get when I travel internationally). No annual fees whatsoever. Feels good man.

None, I think it's stupid to use money I never owned in the first place.

>>17041470
>using credit cards
>not issuing your own premined shit pajeet token

Ngmi

>>17041470
I use a platinum Amex cause it’s the only flex I can afford. I buy a lot of flights and like using the lounges at airports. The only card I currently use and have.

>>17041591
>Fidelity Rewards
I have this too, but the minimum redemption threshold ($2500) for the 2% is too high.
I got the Citi card recently, and plan on using that instead.

>>17041470
0% APR balance transfer checks, with 3-5% initial fees depending on the card, with 12-18 month term date

buy bitcoin, wait 8-10 months, sell, keep spread

>>17041626
Sub 90 IQ retards, as expected from this shitcoin infested board

I have a chase freedom unlimited that I main. 1.5% back on everything.
I have the First Bank Mlife card cause I'm a vegas degenerate.
I have the amazon prime card for 5% back on amazon.
I have the playstation card and I use that to buy my vidya and pay my phone bill.

Those are my 4 credit cards.

>>17041816
>t. LARP
Since so many business don't take AMEX.

>>17041868
I used the Citi at first but they kept throwing fraud alerts on my purchases and I'd have to call them to unfreeze the card and after it happened three or four times I gave up and got the Fidelity card

also I believe the minimum redemption is 2500 points which is $25.00 -- not $2,500

>>17041626
I was the same way, until I realized that it's essentially a monthly interest free loan, with the lender giving you back some of the principal (eg 2% cashback).
Unless you're a total brainlet with no impulse control, it's foolish to not use it, especially for necessities.
Pay each statement balance off in full before it's due.
Collect your rewards.
Beat the Jew at his own game.

>>17042073
based perspective

>>17042055
as a follow-up on this, I complained to the CFPB about Citi closing my account for suspected fraud so many times (and insinuated that it was because I was always paying off my balance and therefore they were trying to get rid of me as an unprofitable customer), and I got Citi to send me an apology letter with a $50 check enclosed.

>>17041470
I bought 4M ARPA with my Cap 1 Venture card and will do it again after I sell the 30x.

>>17041591
i do somthing similar ..
stack chase freedom rotating 5% and doscover it 5% this quarter is gas and groceries
also boa cash rewards gives 3% cashbacj on your choice of 6 categories so i have chosen home and furniture stores and dining
capital one savor for entertainment 3%

milking credit cards is pretty sweet