Credit Card Perks thread

[jf-08]

What cards do you really like and what perks do you have?

I have AMEX Platinum, B of A Rewards Visa, Capital One Venture One Visa, and a Barclays American Airlines Aadvantage MC.

I put most everything on the Amex. It have great travel perks too. I get Global Entry for free, and CLEAR although I haven't set that up yet. Just booked a weekend in Coronado Island at the Del and got a smoking rate, free breakfasts, early check-in, late check out. They have up to $200 streaming credits, $15/month Uber / Uber Eats credits, and a whole bunch more that easily offset the $695 annual fee.

My Cap One I hardly use anymore since getting the AMEX. I book all of my flights with American with my MC and get things like early boarding, free checked baggage, in-flight entertainment, etc. My BofA I hardly use except for my kids sometimes use it for gas in their cars. It's easy for me to track and I get like 3% back on gas purchases.

 

[jbjarko]

Are you on the Amex band wagon?

If so, get a Gold. 4x on Grocery and restaurants which is where I personally spend a lot of my money. I too have a Platinum but mainly pay the fee for the perks. I also have the Chase trifecta (Sapphire Reserve, Freedom Unlimited and Freedom) but generally invest all of my effort into Amex.

If you have multiple cards, download (and explore) The Points Guy (app). You can link all your accounts and based off of GPS location it can tell you which chard to use based on current rewards if you have a quarterly based card, and/or the rest of your cars.

 

[Devilmaycare]

I'm mainly using 3 cards. AmEx Blue Cash, Citi Costco, and Atlas charge card. I usually go for the cash options on cards since I don't do a ton of travel or the like.

AmEx Blue Cash - had been my go to for most purchases since it was giving better points than the Citi card.

Citi Costco - mainly have it just as my costco card. Really only gets used in store and for gas.

Atlas - main card I'm using now due to work. Gives 3x on your largest spend category each much (auto switches based on purchases). 5x on Blade, reimbursement for flight changes/cancels, yearly memberships with Clear, Priority Pass, Erwhon, and One Medical. Plus car rental and some other discounts like it.

Then it also has a feature called Supper Club that allows you to get reservations at the trendy, hard to get into restaurants (only NY, LA, and Miami right now). A similar feature is coming for luxury hotels and for air travel.

 

[jf-08]

Are you on the Amex band wagon?

If so, get a Gold. 4x on Grocery and restaurants which is where I personally spend a lot of my money. I too have a Platinum but mainly pay the fee for the perks. I also have the Chase trifecta (Sapphire Reserve, Freedom Unlimited and Freedom) but generally invest all of my effort into Amex.

If you have multiple cards, download (and explore) The Points Guy (app). You can link all your accounts and based off of GPS location it can tell you which chard to use based on current rewards if you have a quarterly based card, and/or the rest of your cars.

Thanks for the info.

I also have a Target MC and I only use it at Target and get 5% off on all purchases there.

 

[jbjarko]

Thanks for the info.

I also have a Target MC and I only use it at Target and get 5% off on all purchases there.

Good deal. Really depends on where you shop and how you want to utilize benefits.

 

[Brian in Mesa]

Zero credit cards since 2003.

 

[Mainstreet]

Zero credit cards since 2003.

I understand this philosophy and I have used it for many years.

I've always kept credit cards for an emergency but I have started to use them more and more to get cash back on purchases.

As long as a person can pay them off at the month, it amount to extra money in the pocket.

 

[jf-08]

As long as a person can pay them off at the month, it amount to extra money in the pocket.

And certain protections that debit cards don't have.

 

[jbjarko]

Lots of protections. Not only for the dollar amount of the purchase, but insurance, warranty extensions, etc.

 

[jf-08]

Lots of protections. Not only for the dollar amount of the purchase, but insurance, warranty extensions, etc.

Yeah, the rental car insurance from AMEX is such a mind relaxer.

 

[SeattleCardinal]

What cards do you really like and what perks do you have?

I have AMEX Platinum, B of A Rewards Visa, Capital One Venture One Visa, and a Barclays American Airlines Aadvantage MC.

I put most everything on the Amex. It have great travel perks too. I get Global Entry for free, and CLEAR although I haven't set that up yet. Just booked a weekend in Coronado Island at the Del and got a smoking rate, free breakfasts, early check-in, late check out. They have up to $200 streaming credits, $15/month Uber / Uber Eats credits, and a whole bunch more that easily offset the $695 annual fee.

My Cap One I hardly use anymore since getting the AMEX. I book all of my flights with American with my MC and get things like early boarding, free checked baggage, in-flight entertainment, etc. My BofA I hardly use except for my kids sometimes use it for gas in their cars. It's easy for me to track and I get like 3% back on gas purchases.

The Wall Street Journal had a thumbs up review of the Amex Platinum last year. I was tempted to get it, despite the stiff annual fee. https://www.wsj.com/buyside/persona...inum-card-american-express-review-01664555867

 

[AZ Native]

And certain protections that debit cards don't have.

not in my case

 

[SeattleCardinal]

I also have the Chase trifecta (Sapphire Reserve, Freedom Unlimited and Freedom) but generally invest all of my effort into Amex.

Of interest to frequent travelers and Sapphire Reserve cardholders, the long-delayed Sapphire Lounge at PHX (Terminal 4) is finally open. Also San Diego. https://media.chase.com/news/chase-sapphire-lounge-by-the-club

 

[jf-08]

Here's my list of cards now:

Target Target RedCard
Bank of America Customized Cash
Barclays AAdvantage Aviator Red World Elite
Capital One Venture Rewards
Capital One Venture X Business
American Express Platinum
American Express Business Gold
American Express Business Gold 2
American Express Business Gold - AU
American Express Business Gold 3
American Express Blue Business Plus
American Express Blue Business Plus2
American Express Business Platinum
Citi AA Exec World Elite
Wells Fargo BILT
Chase Sapphire Preferred
Chase Hyatt
Chase Hyatt Business
Chase Ink Business Unlimited
Chase Ink Business Cash
Chase Ink Business Unlimited
Chase Ink Preferred
Barclays Hawaiian Business

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[AsUpRoDiGy]

Here's my list of cards now:

Target Target RedCard
Bank of America Customized Cash
Barclays AAdvantage Aviator Red World Elite
Capital One Venture Rewards
Capital One Venture X Business
American Express Platinum
American Express Business Gold
American Express Business Gold 2
American Express Business Gold - AU
American Express Business Gold 3
American Express Blue Business Plus
American Express Blue Business Plus2
American Express Business Platinum
Citi AA Exec World Elite
Wells Fargo BILT
Chase Sapphire Preferred
Chase Hyatt
Chase Hyatt Business
Chase Ink Business Unlimited
Chase Ink Business Cash
Chase Ink Business Unlimited
Chase Ink Preferred
Barclays Hawaiian Business

You must be registered for see images attach

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[Devilmaycare]

Here's my list of cards now:

Target Target RedCard
Bank of America Customized Cash
Barclays AAdvantage Aviator Red World Elite
Capital One Venture Rewards
Capital One Venture X Business
American Express Platinum
American Express Business Gold
American Express Business Gold 2
American Express Business Gold - AU
American Express Business Gold 3
American Express Blue Business Plus
American Express Blue Business Plus2
American Express Business Platinum
Citi AA Exec World Elite
Wells Fargo BILT
Chase Sapphire Preferred
Chase Hyatt
Chase Hyatt Business
Chase Ink Business Unlimited
Chase Ink Business Cash
Chase Ink Business Unlimited
Chase Ink Preferred
Barclays Hawaiian Business

You must be registered for see images attach

Way too many cards there. I don't have the time or energy to chase every point offer. Here's my huge list:
Atlas charge card - may main one now
Apple Card - only for HW purchases for the 0% financing
AmEx Blue - my old go to.
Citi Costco card - just used for Costco.

And get your credit score up slacker. There's an admin standard around these parts and you're bringing down the average.

 

[Russ Smith]

I understand this philosophy and I have used it for many years.

I've always kept credit cards for an emergency but I have started to use them more and more to get cash back on purchases.

As long as a person can pay them off at the month, it amount to extra money in the pocket.

That's always been my philosophy learned it from my mom. Luckily Lucy is the same way, both of us have credit scores over 800 because of that.

I only recently found out my Capital One Venture card counts all sorts of things as travel that get 2X in points redemption. I was about to redeem a bunch of points for cash since we're out of the country and I don't currently use my Amazon account where I normally redeem them. Then I discovered the travel thing. Even the Public Storage unit we're renting counts as travel so that monthly charge can be converted into money off my monthly bill