/biz/ - Business & Finance

>>58107647
>NO YOU CAN'T USE THOSE STOP IT RIGHT NOW BE DEBT FREE REEEEEEEEEEE

>>58107647
massa card.

Neither, amex is my go to

Do you know the history of the MasterCard logo? Do you even understand, pleb?
Because I do not and I would like it explained please.

>>58107647
I'm a sillycon valley engineer and make half a million a year including benefits
I can't get an american express

>>58107750
I'm a rural nobody engineer making under six figures and I got an amex on a whim last month. Exactly how fucked is your credit history?

Discover is what right tails use.

>>58107647
They’re the same.
Both in case one stops working

Amex gives me 4% back. The other two can suck my dick.

>>58107647
More like the great mass debate, am i right bros ?

>>58107647
VISA
>Accepted at more places
>Easy chargebacks (dad lost $400 on a canceled hotel stay using Discover)
Only reasons I have. I am open to change.

>>58107750
half a million what a year?

>>58107647
cant use mastercheifcard at costco ;_;

>>58107647
Both will use HBAR in Australia soon.

>>58107730
Rayleigh Criterion. It's a nod to the fact the earth is flat and powerful entities know it. They always present it in plain sight.

AMEX Gods rise up!

>>58107679
made me kek

>>58107647
Neither
>XRP

>>58107647
AMEX you stupid fucking pleb troglodyte cave dweller

>>58108752
Discover has their own network though and the best chargeback protocol I've ever used. I don't think that had anything to do with visa.

>>58107730
The merging of the yellow sun and the blood moon. It's happening quite soon i hope you are prepared

>>58110012
Amex cards are useless outside the US though

>>58107647

Gnosis pay is VISA, so VISA

I don't care about the card issuer nor the bank. I go with whatever gets me the highest cashback in whatever category I'm buying in. That means Discover Card and Chase Freedom Flex right now for 5% back in groceries and restaurants. Next quarter it'll be the Chase Freedom Flex for 7% at restaurants. This in addition to the always 5% on mobile wallet payments US Bank Pick 'n' Save Mastercard, 5% on utilities US Bank Cash+ & Citi Best Buy, 5% on gas & Sam's Club purchases with the Synchrony Bank Sam's Club Mastercard, 5% back with respective store cards -- Chase Amazon Prime Visa, Citi Best Buy, Target Red Card, etc.

>>58110590

How much of a turbonormie do you have to be for 7% at restaurants to matter?

>>58107647
You should have both to keep your revolving utilization low. Also some cards offer 5% cash back on quarterly categories so you can mix and match them. For example my chase card gives 5% back on groceries this quarter and my discover card gives 5% back on restaurants and drug stores.

>>58110590
This guy gets it.

>>58110848
It works on fast food too. Sometimes chase offers gives you another 10% or 15% on a specific restaurant and you can get a 17% or 23%, and that's after you use an additional coupon + restaurant membership points of course.

overall Visa, but there's perks with a lot of different subsidiary companies.

Discover - 5% gas (quarterly)
chase - 5% grocery (quarterly)
citi - 2% everything (all time)
capital one - 3% grocery (all time)

i have to spend a lot of money on renewing license related to my work so I always open up a credit card for those intro offers (200 bux if you spend 500-1000 in ninety days). also looking for a card that could give 3% for big box warehouse.

>>58107750
Wtf is wrong with you, are you deluded enough to think you’re rich enough for a platinum or did you default on a bunch of debt?

>>58107647
Neither.

Why do we allow this duopoly by the way? Due to the way the banking system works, these two companies are your only real choice, even AmEx and Unionpay aren't proper choices, why has the EU or China not demanded the end of USA dominance?

>>58107647
If I use Discover am I poor?
>>58108245
He must mean the Amex meme card(s)
>>58107750
Have you tried to use one? There's a 30% for me whatever place I'm at doesn't take them. No idea why.

>>58107647
>Is anyone here using the Tap Mastercard debit card? It's the one I'm using, which allows me to save on fees whenever I make a purchase.

>>58107647
I'm doing business with both of these companies.

Neither.
Cash only.
Yes I will walk around with loud heavy pocketfuls of coins.
Yes I will slowly count out the exact change on the counter in a state of perfect serenity while you seethe in line behind me.

>>58107750
I earn 10% of what you earn, I live in a shithole country and I've been offered amex. Literally how?

>>58112882
because the vendors you use the card with will pay Amex each time you do

>>58112903
mr larp is talking shit or he's blacklisted by credit agencies. prob the latter

>>58110032
The only places in Italy I went to that didn't take Amex, just didn't take cards at all

>>58111840
I’m poor and use a discover and an amex everyday, so make of that what you will

>>58112047
Chad. Ultra-chad right here. Nothing frustrates Gen Z and boomers alike like counting change on a counter. If you want to make them sneed AND seethe you should try ‘accidentally’ dropping a few coins on the floor. People WILL groan.

>>58112882
Cost of living.
It's a safer bet to give an Amex to a third worlder making $50K a year who only racks up $10K a year in expenses than it is to give one to a silicon valley dev making $500K a year that racks up $400K a year in expenses, especially if you consider job stability risk and whether expenses would realistically fall in proportion with reduced income or if you're risking your company eating $400K of debt from a single person in a single year.

>>58107716
I love my plat card.

>>58113224
>I love my plat card.
Too expensive man. In germany they want 60€ every month for it. I use the standard green one.

>>58113360
spurdo erc is the only thing keeping their mothers from being able to afford german cards and for that i am grateful but what these eurofags should really be thankful for is the ability to get a $500 cash advance without even leaving their homes no other country has that if it were up to me i would charge even european cucks 75$ a pop (which is the actual market price) but that would be rude

>>58107716
>>58113224
I use the free Essentials amex card (ausfag)

>>58113360
I travel a lot and have decent revenue from my business. The lounge access alone is worth it. I hope you get your revenue up, KrautBro.

Both will bend the knee to chainlink

>>58113417
In the US, Wells Fargo Active Cash is the best for daily spending because it gives me 2% cashback with no gay categories. I only use the Amex Plat for travel, which admittedly is a lot.

>>58113613
Americans get really good cashback. Here in Ausfalia we're lucky to get 0.5%

>>58108735
Are there annual fees or anything like that?

>>58107647
I don't trust the fiat diero, I only use BRC20 Tokens.