/biz/ - Business & Finance

Stfu Yo no1 no1 fuckin cares what card u pay with. U wish people looked at you

>>49393121
They understand how retarded it is to pay a fee to get some shitty credit card.

>>49393121
How would they even see it? I always use the wireless contact or chip read myself

>>49393121
it's because the store has to pay like 0.25% lmao. fucking destitute fucks.

>>49393121
btw, how long until that guy gets turned into George Floyd

>>49393158
It pays for itself just from the free uber credits I get, not to mention rewards points and free credit boost. Your bloodline will probably stay poor forever if you don't change soon.

>>49393164
How are you suppose to show off your wealth if you don't pay with the physical card?

>credit card shill thread

>the wagie at the cash register actually gives a shit about anything other than making you go away as quickly as possible.
an annoyed look is the default state of a wagie, nobody cares about your card

>>49393154
Harsh but true ahahahahah

lol okay retardo, membership 95 a year for my amex check the benis

>>49394087
>carding ending in 61003

uh... you just fucked up bro

>>49393303
>show off your wealth

You don't, dummy.

>>49393235
>>>49393121
It pays for itself

>>49393121
i always hear a snicker when I pay with the CDC card

>have 6 figure income
>have better credit score than pretty much everyone
>$0 debt
So on the same day I checked for my credit score (pic related), I was looking at options for exclusive credit cards. Literally ALL of them have

1. Annual fee $x
2. Benefits that are worth magnitudes less than $x

Imagine how much of a faggot someone has to be to pay a $500 fee and only get it "back" in wine and travel credits. These cards appeal to a female brain. Show me one that simply offers me a good cash back % that justifies the annual fee.

I'll just stick with my TD Visa Gold cash back until then for which I pay $0.

>>49395532
Damn Thaddeus you need some cocoa butter my nigga!

>>49395641
>have upper 5 figures
>only have 760
>0 debt
>credit score drops by 2 points because I spent 300 bucks on my credit card
WHAT THE FUCK
>>49393235
Honestly, your bennies aren't worth the fee. I get 3% plus an additional 1.5% from Bank of America without a fee.
>pick online shopping for reward category
>spoiler alert
>everything is gonna falls under online shopping if you try
>works up to 2500 per quarter on selected category

>>49395641
The amex gold gives you $240 on dining credits each year, so the fee is only $10, unless you're poor and can't afford to eat out.

>>49393158
>he doesn’t pay $500 for a card made of solid platinum

It sells itself

>>49396068
Okay, let me look this up - you might be right. Hang on.

>>49396068
>>49396224
https://thepointsguy.com/guide/register-amex-gold-dining-credit/

>it also comes with an up to $120 annual dining statement credit
>The $10 monthly dining statement credit is awarded at the following merchants: Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and select Shake Shack locations
>On top of that, as of January 2021, cardholders now receive up to $120 annually ($10 per month) in Uber Cash to use for Uber Eats orders
So it's $120 to buy whatever I want, and I'm forced to spend $120 like a woman at wine.com?

lol, you just made my original point for me

>>49396308
>order from grub hub and choose the pick up option
>free $10 each month

are you a stupid nigger or something?

>>49393121
People are getting tired of good goys like you

>>49396527
Let's see
>spend $250 to get $250 :)
or
>spend $0 to print a custom credit card that looks EXACTLY THE SAME and also get $20 back each month (that's $240 free every year)

Sometimes I wonder if people are just trolling /biz/ by making threads, and I'm sure reaction images like used in >>49396527 are meant to evoke a reaction, but in truth, most these threads really are just morons who have no idea what they're doing and based all their decisions on emotions and "LET'S GO SPORTS TEAM" instead of actual logic.

>>49396068
>eating shit food made by a complete stranger, with ingredients of god knows what, and chuck full of seed oils and other additives.

yeah you can keep your dining credits, I cook for myself.

>>49395532
hi thad how was federal prison

>>49393154
fpbp

>>49394087
i have this card but you should get the costco card for gas though...

>>49396713
Then 4x on dining and groceries with no maximum. Gold card is top tier. Unless your poor in which case it would not make sense.

>>49393121
if you actually own amex you would know that they take more of the fee from the seller instead of buyer. So it generally isnt just a wagie but rather some affiliation with ownership.

>>49393235
What credit boost?

I went with the no fee blue everyday and they gave me a pretty good limit, should end up helping my score once it’s been open long enough.

>>49393121
This card only seems worth it if you travel a lot and live near airports that have lounges. Even then, there's other travels cards out there with much lower annual fees.

>>49398313
The only correct response in this thread. If you don't travel at least 10+ times a year that Amex just isn't worth it

>>49396713
>print a custom credit card that looks EXACTLY THE SAME
Why would you want to do this when you could get a card with your waifus on it instead?

And what card gets $20 a month back?

kind of weird that I have 100k and can probably take a nice vacation somewhere nice, I've never being on a plane before. where should I go, bros?

>>49395532
The snickers are probably for your ashy hands

>>49393121
I have this card, but now I pay for most things by tapping my phone.
The points are glorious though...

>>49395532
its those ashy ass hands

>>49395641
Basically its the final jew tricking you to consoom
you pay for the fee and then they get a finders fee when you go buy wine or get a hotel room
They make you think that needing a higher credit score for a card makes it better
The extra bit of money is not worth it because it means you spend more in the end.

>>49393154
Fpbp

>>49396527
>https://thepointsguy.com/guide/register-amex-gold-dining-credit/
Yeah I think you'd have to order something that is sub $5 to get the benes without spending extra money on your part.
Is there anyway I can get a custom card made of pure gold without it costing 6 gorillion dollars?

>>49393121
>people care about a shitty card graphic
in what delusional world you live in?

>>49395532
based thaddeus mf

>>49394087
I get 4% cashback on everything with my free Binance Visa card that I can immediately convert into actual fiat if I want to.

I've also been thinking about using the binance visa card, since cashback for credit cards isn't a thing in my country.
Is there any catch or do you really get a few % back on every payment for a card that doesn't need monthy/yearly payments, no interest rates and no fees?

>>49403397
But that card isn't open to most of the world, just the Eurozone. I get looks when I use my blockfi card. The Crypto.com card has been neutered but its still a good way to cash out my Icyp when it pumps. Anybody here tried Nuri?

>>49393121
Probably because AMEX is something only fucking retarded boomers have.

>>49393121
Nobody takes AMEX seriously in the banking and card issuing industry. The industry is called EMV (Europay MasteCard Visa) for a reason. Try using that piece of shit abroad instead of your local TacoBell and tell us.

>>49404525
I'm thinking about getting either a BlockFi or Gemini credit card so I can just start getting passive crypto on my purchases. Which is the better offer?

>>49406004
You do realize it says AMERICAN on the name you fucking faggot, the platinum is a fucking travel card it's for airports, shopping at chains and hotel stays not to pay for your bull to pegg you, you literally have to spend 15 minutes thinking about your finances to see that the fee is less than the rewards if you are not third world poor tier, post your fucking hand I bet you are a fucking H2B pajeet

>>49395532
์Nice one, Thaddeus.

>>49406004
Lol some truth. I went to UK and I handed my corporate AMEX (strangely a European company) to the cab driver like a jackass. AMEX is good in America tho except the Chinese restaurants that go “oh so sorry” for which I hand them a Discover with decent rewards.

Credit cards are based but you only need 2 or 3 max and you should be paying 90%-100% of it every month. If you cannot do that, do not use a fucking credit card.

>>49393121
amex is cringe as fuck, I have a friend on Wall St who thinks he's a big shot and always flashes his card then the shop or restaurant says they don't accept it, kek.

It's retarded memeshit, only poor larpers use it.

>>49393303
I do pay with the physical card but I don't hand it over to the wagie lol. Thats why I said it's weird how OP would get a reaction.

>>49398313
I don't use it to travel as much anymore, but between the entertainment credit, Uber credit, and all the other shit that I get for free with my Platinum, it's worth the 500 bucks a year. Amex FHR is the best travel program by miles for free shit as well. I've also used the special customer service line to legitimately unfuck some major travel issues. What they couldn't rectify, they issued me a travel credit for double the amount that couldn't be refunded. Plus, Amex automatically sides with me in a billing dispute.

>want venture x for travel, planning to get in late summer/fall
>they announce entry bonus of spend $10k in 6 months, get 100k points is going away march 15
>FOMO in, get accepted
>new bonus is spend $4k in 3 months get 75k points

fucking rugpulled by capital one.

>>49393154
holy hell this

Thoughts on Gemini CC?

>>49393235
>It pays for itself just from the free uber credits I get, not to mention rewards points and free credit boost. Your bloodline will probably stay poor forever if you don't change soon.

>>49409268
The most appropriate response to credit card using retards.

Obviously.

>>49395532
a real ashy motherfucker right here

>>49406378
100% payments or not at all

>>49404108
Here is that same reimu but in slightly higher res

>>49409012
Have it for one week already love it. Can change crypto from every choice on Gemini whenever you want, pays out instantly. The physical card is nice, very similar to Amex gold/pla

>>49393176
>hurr durr the store has to pay 0.25%
try 4.5%, retard

>>49393303
why on earth would i give someone the idea that i have money? my entire wardrobe is white tees and shorts from fleece shorts from h&m that are beginning to get holes in them, costco socks and some old crocs.

The most BASED credit/debit card stack is:

1. Fidelity Cash Management. Use this for your primary checking account. Zero fee ATM cash withdrawals globally. You could be in the Congo, withdraw cash in whatever primitive currency they use, and Fidelity will cover it. Otherwise, just use this as your base to pay your credit cards.

2. Apple Card. Seamless in the wallet app on your phone, Apple Pay, etc. 2% back on all transactions using Apple Pay. 1% on regular card transactions. White metal card gets female cashiers wet, compliments on the card all the time.

3. Chase Amazon Prime Visa. 5% back on all Amazon purchases. A no brainer if you use Amazon at all.

>>49395532
Why do your hands look like wypipo colour on one side?

i got the apple credit card, am i gay?

>>49411045
Nah. Girls get wet when they hold that thing. 2% back on purchases is great. Only downside is Goldman Sachs finances it, but try finding a credit card that isn’t run by Jews

>>49393154
calm down

>Unironically thinking that £575 a year is a lot of money
Is /biz/ actually completed cucked and poor as dogshit?

>>49393121
That’s nothing compared to my Robinhood Debit Card. The waitress at Buffalo Wild Wings always gives me extra coke because she knows I am a big stock trader and early GME investor.

I am black listed from Amex Crew.

your not a real of wolf of wallstreet until you get banned from a credit card company

>>49412793
Big if true

>>49395532
thaddeus claimed this post was a joke

>>49393154
based and stupidpilled

>>49393235
>It pays for itself just from the free uber credits I get, not to mention rewards points and free credit boost. Your bloodline will probably stay poor forever if you don't change soon.
THE ABSOLUTE STATE

>>49394087
I have you cc number.
This is equivalent to leaking your keys on the internet.
It's over. I'm about to buy years worth of pancake batter and there is NOTHING you can do to stop me.

>>49410652
Whenever I go to the liquor store the Indian who works there always seethes at when I pay with Amex. He's straight up tells me every time that I will have to pay in cash next time or I can't buy anything. It's been like 6 or 7 times now and he still has yet to deny me a purchase.

>>49393121
>pay $95 per year for my travel credit card
>it gives me about $400 worth of free flights per year
>anti-card retards on /biz/ tell me i'm somehow losing money from this deal

i dont get this board sometimes, this place simultaneously collects the best financial minds of our times as well as bottom barrel morons who have no business being on the internet

>>49413495
Every board unfortunately has a lot of /pol/ retard overlap, so that means deadbeat white trash who thinks nobody should use a credit card because their retarded parents couldn't handle credit responsibly.

>>49410652
every fucking transaction. Our ATP is $500 at my stores.

>>49394087
Is it just me or are credit card rewards becoming abysmal relics of what they once were? I remember my dad getting 5% of gas and groceries only 10 years ago when I was starting college . Literally none of those Amex perks make me want to sign up.

>>49395532
My nigga my dear nigga oh my god my nigga. You should be bathing in fucking lotion or cocoa butter, man.

>>49393121

whenever a patron hands me those metal cards I can't help but try and bend it and slap it on a table. After verifying that "yup it's metal" I proceed to hand the patron back his card with more pre conceived notions than what was originally presented such as "who the fuck makes metal credit cards? oh those types"

especially the ones who need external validation. Me of course can relate as going to the gym everyday helps me get more bitches, whilst your card helps you acquire none.

>>49393121
unless you have an amex black and the cashier is some /biz/ or autist nerd they will not care

>>49393154
N

>>49413640
N

>>49413658
Y

>>49413495
>i dont know basic math but i am winning because the number is bigger

>>49413522
yeah it's pretty sad

>>49413696
yes, big number = better. no interest payments or cash advanced because not retarded. go rub your only two brain cells together somewhere else

>>49396117
Solid platinum? You can’t possibly be this retarded.
And no, th3 gold Amex is not made of solid gold…

Never pay for a credit card that charges you fees

>>49413818
But if the card offers benefits which align with your lifestyle brings more value than the fee, why not? You can always just downgrade or close it later.

>>49406229
i use BlockFi and put all biz expenses on, makes it suck a bit less to know BTC is coming in every purchase

>>49393121
It pays for itself because Actdive Duty US military doesn't pay for the fee.

I pay in other ways though. Fuck this job

captya G8 GAY

>>49395532
Dey laffin cuz you a ashy dirtyboy

Chase Sapphire Reserve chad checking in. I only do it for the priority pass. I fly probably about 20 legs a year. Flying and airports are such miserable experiences...the priority pass lounges make it a tad less miserable. Plus TSA Precheck and Global Entry included.

>>49410091
Very cute!

>>49404525
I read that Nuri doesn't offer cashback, if you care about that.

>>49410923
Based

>>49393121
You wish people cared anon. Truth is you're fucking invisible and even your mother thinks you're a rage fag.

>>49406229
>>49414163
Opted to go with my bank (Wells Fargo) which offers a flat 2% on everything with no limit. Since they gave me a big limit I will just put everything on this card and do auto pay. It's nice to see the credit account listed next to my bank account on the app in case I need to view spending all in once place. Passive savings that doesn't really require any further intervention, fees, or management.

>>49413522
I blame Dave Ramsey. He gives some of the worst advice to anyone with a brain cell. If he had his way, we would still be on the bartering system.. forget loans or fractional reserve banking

>>49400156
Japan

>>49393121
>buy groceries from Costco
>gas from Costco
>even bought car at Costco
>date night at Costco food court
>party? how about 13 rotisserie chickens
stuck with visa because that's all Costco acknowledges.

>>49413557
>I remember my dad getting 5% of gas and groceries only 10 years ago when I was starting college

I get 5% cashback on Gas purchases with my Sam's Club visa card. It works at all gas stations, not just Sam's Club ones.

I have the wells fargo 2% cash back. Is there a better card? I don't want to rotate 5 different cards for different categories.

>>49393121
youre making it seem like they can tell the difference between cards. the annoyed looks are just because you're faggy.

>>49395532
King has arrived

>>49393154
The first based 9 year old ESL.

>>49395532
Nigga have them hands ever even been in a room with lotion?

>>49395532
i have those same adidas slides.

>>49393154
fpbp

Lol whats up with cards these days, even memecoins are getting them
next thing you know people will start paying with the "shibacard"

>>49393154
kek op BTFO

>>49419029
>shjiba is literally dying
thinly veiled shill

>>49394087
i have this card, but don't kid yourself, amex blue has no prestige

>>49419029
Quick note but there's speculation that ryoshi literally dumped on shib because they didn't want cards, nowadays there's the leak of a QOM (his new coinbabe) card, shit's bizarre

>>49419029
>>49419080
>payhawk partnering with a shitcoin
what

>>49419080
is this fr, was the pump bc of this?

>>49419080
payhawk already exists idiot

>>49419080
>>49419110
make it fancier

>>49419080
>>49419126
>make it fancier
>makes it worse
wdym by this

>>49419080

>>49419072
>>49419080
Between having an amex blue and a memecoin card i'd rather the later, because at least i know the shit im getting into, amex blue literally is a step away from becoming the bitconnect of financials

>>49412902
this fucking reply to the dumbest shit always fucking gets me ahahahha

>>49393154
fpbp. Spergs pretending their non CRYPTO.COM cards are anything but trash is unintentially hilarious.