/biz/ - Business & Finance

[Anonymous No.16247747]

What is the best credit card?

[Anonymous No.16247777]

>>16247747

Centurion Card but you’re too poor to have one.

[Anonymous No.16247790]

>>16247747
Fuck off greg

[Anonymous No.16247802]

Citi 2% cashback

[Anonymous No.16247808]

Doublecash

[Anonymous No.16247830]

tfw my debit card gives 3% cash back
sorry credit cucks

[Anonymous No.16247857]

Silver

[Anonymous No.16247944]

>>16247747
It really depends what your goal is, your spending situation, and other factors which go into picking a card. Also you should have more than just one card, I don’t know why you’re asking the question that way.

For example, I am in the Army Reserve so my yearly card fees are waived. I have the Amex Platinum card, so all those benefits are pure profit for me. The platinum card also enables to you have a free gold card, which also has free benefits which are pure profit for me as well. Supposedly they only waive yearly fees if you were activated for 30+ consecutive days, but I can probably get it waived next year as well by calling about it. Centurion Card sucks for points, and the perks are not even that good except for the Saks credit and gym membership

Chase card fees are waived simply by being Army Reserve without any activation requirement. So the hotel cards which provide a free night per year are pure profit for me. I currently have the Sapphire Preferred card as well, but will have to wait to upgrade to the Sapphire Reserve in order to get the signing bonus.

I haven’t played around with Citi or BoA. BoA has one card that is really good if you have $250k+ in a BoA bank account, but I don’t have a BoA account or that much liquid cash. Wells Fargo sucks so damn bad, I don’t know why they are fine with being trash. I have had a Wells Fargo account for 12 years.

Don’t be afraid to have two banks accounts, it doubles your accessibility to using ATMs around the city when you can go to WF or Chase ATMs without having to pay the ATM fee.

[Anonymous No.16248037]

>>16247747
Mcdonalds reward card, free nuggies

[Anonymous No.16248087]

>>16247747

[Anonymous No.16248105]

Realistically, you probably want a few. Citi double cash seems like the best "general cash" card, good to have just for all purchases. I think your pic is also good to have. Who doesn't buy groceries? For your final card, I recommend something that does the whole rotating category thing. I have us bank cash+.

[Anonymous No.16248184]

>>16248105
Be sure to pay attention to how the groceries you buy are coded. I buy groceries at a Super Walmart which doesn’t code as a grocery store, so I wouldn’t get the point bonus if I used my card there for groceries.

[ayyeee from canadaaa No.16248209]

[Anonymous No.16248227]

Chase Sapphire Reserve if you fly at least twice a year.
$450 annual fee but you get a $300 credit for travel, meaning you basically pay $150. Reward points are worth more for travel, and you get access to airport lounges. At the lounges you get free food and booze, saving you whatever money you would otherwise spend before your flight.

[ayyeee from canadaaa No.16248229]

[ayyeee from canadaaa No.16248234]

[Anonymous No.16248235]

>>16248184
Yeah, although tbf not worth splitting hairs over. I do find it difficult to manage three cards sometimes.

[Anonymous No.16249028]

Im using the Chase freedom card, I get 3% cash back for the first year, then it drops back to 1.5%. so until next year I have a solid daily driver.

[Anonymous No.16249044]

>>16247747
I have that card

10k limit
2k due
Just made a minimum payment yesterday

[Anonymous No.16249058]

>>16247747
Idk because I'm have a shitty credit thanks to my ex who committed identity theft against me for years and I can't even get approved for a shitty secured credit card

[Anonymous No.16249064]

>>16247777
checked

[Anonymous No.16249077]

>>16247747
Chase sapphire reserve if you travel

[Anonymous No.16249082]

>>16247777

[Anonymous No.16249125]

>>16247747
I've got like 12 active credit cards. My best card for cash back is HSBC Cash Rewards. I get 3% cash back for the next 12 months. My next best card is the USAA Limitless Cashback Rewards for 2.5% cash back indefinitely. Literally free money.

[Anonymous No.16249213]

Has anyone bought btc in cash app with their credit card? I've seen a lot of people say they have but I can't figure out how to pay with mine rather than my bank account

[Anonymous No.16249232]

Any card that you can max out to buy LINK

[Anonymous No.16249383]

Who here /playstation card/ ?

[Anonymous No.16249394]

>>16249058
file a police report then go to the ftc and credit agencies?

[Anonymous No.16249406]

>>16249213
I thought all major credit cards banned crypto sales of any kind? Is this a thing? Cause I want in

[Anonymous No.16249447]

>>16249383
they're so fucking ugly compared to how they were before they switched to comenity

[Anonymous No.16249457]

>>16249406
their support says no but when you google it a bunch of people on reddit say they do it but don't explain how of course

[Anonymous No.16249464]

>>16249213
how 2 profit from this?
>>16249406
some work but charge a cash advance, fucking jewery

[Anonymous No.16249494]

>>16247747
None. Don't be an idiot.

[Anonymous No.16249529]

>>16249494
didn't know dave ramsey posted here

[Anonymous No.16249573]

>>16247747
I see you misspelled debit.