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Veteran
Posts: 203
Location: kansas | I am to the point of needing a different credit card, what credit cards do you like and which have the better rewards? The card I have now has no rewards, so I'm ready to switch. I have looked into the Discover It card, but there are so many different cards out there I wanted to see which ones everyone else like....
Thanks!
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Extreme Veteran
Posts: 399
| I really like my Discover Card for the credit score, I like it so I can know if anything fishy is going on. Plus I LOVE that all their offices are based in the United States so I can actually understand what they are saying. |
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 The Bling Princess
Posts: 3411
 
Location: North Dakota | I like my American Express Delta card because I earn a mile for every dollar spent. I have family in Washington State and its come in handy a few times already:) |
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| BofA cash reward card. No annual fee and you get 3% for gas, 2% for groceries, and 1% for everything else. If you have a checking account with them you get an extra bonus when you redeem your cash. |
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Extreme Veteran
Posts: 581
Location: Fort Collins, CO | I have a Capital One venture one card. no annual fee, 1.25 miles per dollar spent. i've been with capital one since 2006 and i do like them a lot. |
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 Go Your Own Way
Posts: 4947
Location: SE KS | Capital One venture Card.
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 Hot Dispatcher
Posts: 10185
Location: Utah | Cabela's card I can always find something to spend my rewards $$ on. Last year I saved them up and bought my genorator on black friday.  |
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| Cinchy girl - 2014-08-20 4:10 PM
BofA cash reward card. No annual fee and you get 3% for gas, 2% for groceries, and 1% for everything else. If you have a checking account with them you get an extra bonus when you redeem your cash.
This is the card we use also. We put EVERYTHING we can on the card and pay off the balance every month. We get an average of $750 cash back per year. We prefer the cash rather than other "rewards" or miles. |
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  Fact Checker
Posts: 16572
Location: Displaced Iowegian | If you are not able to pay off your balance in full every month, go with the "reward" card with the LOWEST interest rate. |
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 Neat Freak
Posts: 11216
Location: Wonderful Wyoming | kanchazer - 2014-08-20 4:19 PM Cabela's card I can always find something to spend my rewards $$ on. Last year I saved them up and bought my genorator on black friday.
My husband and I both have one of these. Love them |
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Veteran
Posts: 203
Location: kansas | NJJ - 2014-08-20 6:11 PM If you are not able to pay off your balance in full every month, go with the "reward" card with the LOWEST interest rate.
Oh yes, no I pay my balances off every month, I am anal about that. But that is why I hate using a credit card I am not getting any rewards off of! I have thought about getting
I have thought about getting an airlines reward credit card, but then no where we fly to do we use the same airline :( Heck just the remaining of this year we are using Alligiant, US Airways, American, and then probably Southwest....
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Veteran
Posts: 203
Location: kansas | EmtRoper - 2014-08-20 3:35 PM I really like my Discover Card for the credit score, I like it so I can know if anything fishy is going on. Plus I LOVE that all their offices are based in the United States so I can actually understand what they are saying.
Question about this....
When they check your credit every month is that affecting your credit? Because normally every inquiry is a 'hit' to your credit. |
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Fact Checker
Posts: 16572
Location: Displaced Iowegian | RaNdI sUe - 2014-08-21 8:34 AM NJJ - 2014-08-20 6:11 PM If you are not able to pay off your balance in full every month, go with the "reward" card with the LOWEST interest rate. Oh yes, no I pay my balances off every month, I am anal about that. But that is why I hate using a credit card I am not getting any rewards off of! I have thought about getting
I have thought about getting an airlines reward credit card, but then no where we fly to do we use the same airline :( Heck just the remaining of this year we are using Alligiant, US Airways, American, and then probably Southwest....
Good! then look for the card with the highest CASH reward back....and check into any "signing up bonus". I just got a Chase Rewards card that pays 3% back on gas (2% on restaurants - which I don't use and 1% on everything else) and got a $100 signing up bonus if I charged a certain amount in 6 months. My other card is a Capital One QuickSilver card that pays back 1-1/2% on every other purchase. I only use my credit cards for all gas and purchases (away from home). |
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 Half-Eaten Cookies
Posts: 2075
Location: Fort Worth / Springtown | I am on the fence about rewards cards --- it drives up the prices in stores, because the credit card companies charge so much to the stores for the ability to accept their credit card. I shop a lot of local businesses and many of them seem to have a significant aura of concern about whether you use credit or debit card for your purchase.
I wish stores would charge a small fee for the option of using a credit card and keep the prices of merchandise down for the people that don't want to use credit cards. |
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 The One
Posts: 7997
Location: South Georgia | txbredbr - 2014-08-21 10:01 AM I am on the fence about rewards cards --- it drives up the prices in stores, because the credit card companies charge so much to the stores for the ability to accept their credit card. I shop a lot of local businesses and many of them seem to have a significant aura of concern about whether you use credit or debit card for your purchase.
I wish stores would charge a small fee for the option of using a credit card and keep the prices of merchandise down for the people that don't want to use credit cards.
It is the evolution of retail and business. People rarely use cash anymore. The businesses need to expect and budget for the expense associated with people paying them with cards. |
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 Expert
Posts: 1479
Location: rabbit run | No it does not affect your score. Sorry....I meant to quote the question about the Discover card.
Edited by diggerdoo 2014-08-21 9:29 AM
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Half-Eaten Cookies
Posts: 2075
Location: Fort Worth / Springtown | horsegirl - 2014-08-21 9:21 AM txbredbr - 2014-08-21 10:01 AM I am on the fence about rewards cards --- it drives up the prices in stores, because the credit card companies charge so much to the stores for the ability to accept their credit card. I shop a lot of local businesses and many of them seem to have a significant aura of concern about whether you use credit or debit card for your purchase.
I wish stores would charge a small fee for the option of using a credit card and keep the prices of merchandise down for the people that don't want to use credit cards. It is the evolution of retail and business. People rarely use cash anymore. The businesses need to expect and budget for the expense associated with people paying them with cards.
Edited by txbredbr 2014-08-21 9:50 AM
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Fact Checker
Posts: 16572
Location: Displaced Iowegian | txbredbr - 2014-08-21 9:01 AM I am on the fence about rewards cards --- it drives up the prices in stores, because the credit card companies charge so much to the stores for the ability to accept their credit card. I shop a lot of local businesses and many of them seem to have a significant aura of concern about whether you use credit or debit card for your purchase.
I wish stores would charge a small fee for the option of using a credit card and keep the prices of merchandise down for the people that don't want to use credit cards. Unfortunately, credit card companies are going to assess a fee to the retailer regardless of whether or not it is a "reward" card. We have also moved into an era where checks and cash are almost osbsolete......try renting a motel room, rent a car, buy anything online without a credit card plus the fact that by purchasing with a credit card you do get some protection on your purchases.
edited to add: Your retailer is also charged a fee to accept a debit card. However, it is usually a less percentage.
Edited by NJJ 2014-08-21 11:41 AM
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 Worst.Housekeeper.EVER.
Location: Missouri | EmtRoper - 2014-08-20 3:35 PM I really like my Discover Card for the credit score, I like it so I can know if anything fishy is going on. Plus I LOVE that all their offices are based in the United States so I can actually understand what they are saying. Love my Discover card! I use my rewards on Amazon...super easy! When I check out, it asks if you want to cash in the rewards, click yes and done! I buy tack and horse stuff that way...BOT products, etc. that I feel guilty spending cash on.
You can choose to spend them elsewhere though. I also buy flowers, Christmas gifts, etc.
BUT, have a MC or other widely accepted back up card. I do find that every once in a while (Pizza Hut, for instance!) won't take my Discover. Although it's getting less and less frequent that this happens.
PS I have dropped all of my BOA accounts! Their customer service is absolutely horrible, especially compared to Discover.
Edited by just4fun 2014-08-21 10:05 AM
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The One
Posts: 7997
Location: South Georgia | txbredbr - 2014-08-21 10:45 AM horsegirl - 2014-08-21 9:21 AM txbredbr - 2014-08-21 10:01 AM I am on the fence about rewards cards --- it drives up the prices in stores, because the credit card companies charge so much to the stores for the ability to accept their credit card. I shop a lot of local businesses and many of them seem to have a significant aura of concern about whether you use credit or debit card for your purchase.
I wish stores would charge a small fee for the option of using a credit card and keep the prices of merchandise down for the people that don't want to use credit cards. It is the evolution of retail and business. People rarely use cash anymore. The businesses need to expect and budget for the expense associated with people paying them with cards.
They are charged a fee by Visa, MasterCard, etc. It doesnt matter if it is debit or credit. They pay a fee. |
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Extreme Veteran
Posts: 399
| RaNdI sUe - 2014-08-21 8:36 AM
EmtRoper - 2014-08-20 3:35 PM I really like my Discover Card for the credit score, I like it so I can know if anything fishy is going on. Plus I LOVE that all their offices are based in the United States so I can actually understand what they are saying.
Question about this....
When they check your credit every month is that affecting your credit? Because normally every inquiry is a 'hit' to your credit.
No, they have a disclosure on their site about they way they are doing is not considered a "hard hit" like it would be if you were applying for a loan or such. |
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Half-Eaten Cookies
Posts: 2075
Location: Fort Worth / Springtown | horsegirl - 2014-08-21 10:01 AM txbredbr - 2014-08-21 10:45 AM horsegirl - 2014-08-21 9:21 AM txbredbr - 2014-08-21 10:01 AM I am on the fence about rewards cards --- it drives up the prices in stores, because the credit card companies charge so much to the stores for the ability to accept their credit card. I shop a lot of local businesses and many of them seem to have a significant aura of concern about whether you use credit or debit card for your purchase.
I wish stores would charge a small fee for the option of using a credit card and keep the prices of merchandise down for the people that don't want to use credit cards. It is the evolution of retail and business. People rarely use cash anymore. The businesses need to expect and budget for the expense associated with people paying them with cards.
I believe there is a difference in the amount of fee they pay for each, though - that is what more than one business has told me. |
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 Extreme Veteran
Posts: 357
Location: Florida | txbredbr - 2014-08-21 12:33 PM
horsegirl - 2014-08-21 10:01 AM txbredbr - 2014-08-21 10:45 AM horsegirl - 2014-08-21 9:21 AM txbredbr - 2014-08-21 10:01 AM I am on the fence about rewards cards --- it drives up the prices in stores, because the credit card companies charge so much to the stores for the ability to accept their credit card. I shop a lot of local businesses and many of them seem to have a significant aura of concern about whether you use credit or debit card for your purchase.
I wish stores would charge a small fee for the option of using a credit card and keep the prices of merchandise down for the people that don't want to use credit cards. It is the evolution of retail and business. People rarely use cash anymore. The businesses need to expect and budget for the expense associated with people paying them with cards.
Each type of card charges different fees (i.e. Visa compared to AmEx). The rate structures a business pays for accepting credit cards can cause their rates to differ based on whether it's debit, credit, or credit with rewards card. Businesses with higher card volume pay lower fees. So if you are talking to a locally owed store, then yes they most like are experiencing the higher rates and seeing fluctuations when it's a credit card with rewards. |
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Veteran
Posts: 269
| RaNdI sUe - 2014-08-21 8:34 AM NJJ - 2014-08-20 6:11 PM If you are not able to pay off your balance in full every month, go with the "reward" card with the LOWEST interest rate. Oh yes, no I pay my balances off every month, I am anal about that. But that is why I hate using a credit card I am not getting any rewards off of! I have thought about getting
I have thought about getting an airlines reward credit card, but then no where we fly to do we use the same airline :( Heck just the remaining of this year we are using Alligiant, US Airways, American, and then probably Southwest....
I'm reading that the Capital One Venture cards miles can be used on any airline. Same with some other cards.
For those of you with this card, how does that work? I use Southwest a lot. How do you use your miles when booking a flight? |
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Veteran
Posts: 203
Location: kansas | iheartrodeo - 2014-08-21 1:02 PM RaNdI sUe - 2014-08-21 8:34 AM NJJ - 2014-08-20 6:11 PM If you are not able to pay off your balance in full every month, go with the "reward" card with the LOWEST interest rate. Oh yes, no I pay my balances off every month, I am anal about that. But that is why I hate using a credit card I am not getting any rewards off of! I have thought about getting
I have thought about getting an airlines reward credit card, but then no where we fly to do we use the same airline :( Heck just the remaining of this year we are using Alligiant, US Airways, American, and then probably Southwest....
For those of you with this card, how does that work? I use Southwest a lot. How do you use your miles when booking a flight?
I was thinking the Capital One Venture card sounded really good until I saw that there is an annual fee of $59 after the first year :(
Edited: Nevermind, the plain Venture does have the annual fee, but the Venture ONE does not....
Edited by RaNdI sUe 2014-08-21 2:46 PM
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Veteran
Posts: 203
Location: kansas | Dinero10 - 2014-08-20 4:31 PM Capital One venture Card.
To those who have the Capital One Venture card, have you used it for anything else besides travel?
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Extreme Veteran
Posts: 399
| I do not have the Capital one venture card but I have a quicksilver rewards card that is simply an emergency card that is tucked away in the trailer in case of multiple blowouts or something. What we liked about that one is that it let you use your cash back as credit back onto your account and has a zero annual fee |
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 Money Eating Baggage Owner
Posts: 9586
Location: Phoenix | I keep getting CC offers in the mail....mostly from Discover and Capital One......was leaning towards the Discover if I were to apply because of the credit score thing....but I know discover isn't as widely accepted.....
I have a Southwest visa card that earns points for southwest flights OR I can redeem them for other merchandise. |
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