credit cards!

liuh · 12-12-2006, 03:45 PM

alright... here we go.

right now i have a Citibank student visa card (the mtvU one) and it has pretty good rewards, but they are only offered in points.

I'm looking for a cashback card, can anyone recommend one? I spend the majority of my money in groceries/restauarants/gas. Looking for at least 3%+ cashback on those items.

Also what would be nice is a first-purchase bonus (i know some places give like $50 or something after you first purchase) which would be great as well.

**CameronJr9** · 12-12-2006, 04:02 PM

There are several cards out there that offer a certain percentage off goods and a certain percentage off gas.

I have the AAA card. I get up to 5% off gas monthly. I generally save $5-10 a month on gas. And I'm pretty sure you don't have to be a member to get the card.

https://wwwn.applyonlinenow.com/USCC...ntry?sc=FAAQH7

Here's a site for other offers that you can compare cards and features you want:

http://creditcards.com/

**wing_gundam** · 12-12-2006, 04:17 PM

you certainly spend a lot on gas!

dcfife · 12-12-2006, 04:21 PM

Check out the finance forum at Fatwallet. They have some threads in there that track the best cash back cards.

**CameronJr9** · 12-12-2006, 04:28 PM

Quote:

Originally Posted by wing_gundam

you certainly spend a lot on gas!

I drive a lot. I can easily fill up once a week, and with gas around $30 to fill the tank, that's $120 per month.

My trip to Florida back in July elevated my gas savings to nearly $20 that month.

Kakashi · 12-12-2006, 04:36 PM

Discover ftw.

Mr.Modify · 12-12-2006, 11:17 PM

credit cards are the devil

**CameronJr9** · 12-12-2006, 11:20 PM

Quote:

Originally Posted by Mr.Modify

credit cards are the devil

Gotta know how to use them. Make sure they don't use you.

Mr.Modify · 12-12-2006, 11:26 PM

Quote:

Originally Posted by CameronJr9

Gotta know how to use them. Make sure they don't use you.

shouldn't have them anyways....cash is king

mobortho · 12-12-2006, 11:28 PM

Go to EmigrantDirect.com and set up a savings account and then get their cashback Mastercard....
and then pay it off EVERY month.
Never pay a finance charge, ever.
That is the only way to use a credit card. Use it to consolidate bills into one monthly payment, but never to borrow money.

Civic4u · 12-12-2006, 11:30 PM

Get rid of your credit card.

IT will bite you in the ass later.

sbigshot · 12-13-2006, 12:39 AM

Quote:

Originally Posted by Civic4u

Get rid of your credit card.

IT will bite you in the ass later.

I have yet to be bitten. I've had cc's since I was a freshman in college and have always used them responsibly and to MY advantage. :)

liuh · 12-13-2006, 12:45 PM

credit cards are NOT bad if you know how to use them.

I pay off my bill every month in full, i treat it like a debit card.

You're at a disadvantage if you have the money and you don't use a credit card, because I'm getting free stuff :)

Plus it's easier than carrying around so much cash. Build credit, less to carry, easy to track spendings, free stuff, what's not to like? =]

thanks for the info guys!

SIcBoy · 12-13-2006, 01:00 PM

cash back cards from amex that are free offer up to 5% and they have ones that are cobrand with costco that are free and give 1,2,3% cash back on certain purchases

SIcBoy · 12-13-2006, 01:05 PM

i work at amex. manage responsibly and you will have no problem with the CC's

other than that dont let them own you

12-12-2006, 03:45 PM	#1 (permalink)
liuh Senior Member Join Date: Feb 2006 Location: Atlanta, GA Age: 22 Posts: 690 Hubert iTrader: 3 / 100%	credit cards! alright... here we go. right now i have a Citibank student visa card (the mtvU one) and it has pretty good rewards, but they are only offered in points. I'm looking for a cashback card, can anyone recommend one? I spend the majority of my money in groceries/restauarants/gas. Looking for at least 3%+ cashback on those items. Also what would be nice is a first-purchase bonus (i know some places give like $50 or something after you first purchase) which would be great as well.

12-12-2006, 04:02 PM	#2 (permalink)
CameronJr9 Join Date: Feb 2006 Location: Louisville, KY Age: 28 Posts: 26,334 Back and Forth Forever iTrader: 6 / 100%	There are several cards out there that offer a certain percentage off goods and a certain percentage off gas. I have the AAA card. I get up to 5% off gas monthly. I generally save $5-10 a month on gas. And I'm pretty sure you don't have to be a member to get the card. https://wwwn.applyonlinenow.com/USCC...ntry?sc=FAAQH7 Here's a site for other offers that you can compare cards and features you want: http://creditcards.com/ __________________

Thread Tools
Show Printable Version Email this Page
Display Modes
Linear Mode Switch to Hybrid Mode Switch to Threaded Mode

Similar Threads
Thread	Thread Starter	Forum	Replies	Last Post
someone has my bank account #	BLU BY U	Water Cooler	11	04-22-2007 03:43 AM
Hybrid Tax Credit Still Available	CameronJr9	Civic Hybrid	0	11-17-2006 10:05 AM
Credit Cards/ Interest Rate	groundcontrol_06	Water Cooler	17	09-01-2006 02:27 PM
would buying without financing help or hurt the deal?	Lapin Diabolique	Driving Experience	25	08-04-2006 01:56 AM
qucik credit union question...	Ortiz83	Driving Experience	6	06-02-2006 11:49 PM

12-12-2006, 04:17 PM	#3 (permalink)
wing_gundam Smooth Moderator Join Date: Apr 2006 Location: T dot Posts: 17,796 Civic Type Stock iTrader: 9 / 100%	you certainly spend a lot on gas!

12-12-2006, 04:21 PM	#4 (permalink)
dcfife Senior Member Join Date: Dec 2005 Location: Northern VA Age: 38 Posts: 200 iTrader: 0 / 0%	Check out the finance forum at Fatwallet. They have some threads in there that track the best cash back cards.

12-12-2006, 04:36 PM	#6 (permalink)
Kakashi Senior Member Join Date: Sep 2006 Location: Aurora CO Age: 22 Posts: 3,706 iTrader: 1 / 100%	Discover ftw.

12-12-2006, 11:17 PM	#7 (permalink)
Mr.Modify Member Join Date: Dec 2006 Location: Houston Posts: 32 iTrader: 0 / 0%	credit cards are the devil

12-12-2006, 11:28 PM	#10 (permalink)
mobortho Junior Member Join Date: Dec 2006 Location: Mobile, Alabama Posts: 18 iTrader: 0 / 0%	Go to EmigrantDirect.com and set up a savings account and then get their cashback Mastercard.... and then pay it off EVERY month. Never pay a finance charge, ever. That is the only way to use a credit card. Use it to consolidate bills into one monthly payment, but never to borrow money.

12-12-2006, 11:30 PM	#11 (permalink)
Civic4u Senior Member Join Date: Jul 2006 Location: Humble, TX Posts: 6,668 iTrader: 7 / 100%	Get rid of your credit card. IT will bite you in the ass later.

12-13-2006, 12:45 PM	#13 (permalink)
liuh Senior Member Join Date: Feb 2006 Location: Atlanta, GA Age: 22 Posts: 690 Hubert iTrader: 3 / 100%	credit cards are NOT bad if you know how to use them. I pay off my bill every month in full, i treat it like a debit card. You're at a disadvantage if you have the money and you don't use a credit card, because I'm getting free stuff :) Plus it's easier than carrying around so much cash. Build credit, less to carry, easy to track spendings, free stuff, what's not to like? =] thanks for the info guys!

12-13-2006, 01:00 PM	#14 (permalink)
SIcBoy Senior Member Join Date: Jul 2006 Location: peoria az Age: 24 Posts: 3,431 jr iTrader: 3 / 100%	cash back cards from amex that are free offer up to 5% and they have ones that are cobrand with costco that are free and give 1,2,3% cash back on certain purchases

12-13-2006, 01:05 PM	#15 (permalink)
SIcBoy Senior Member Join Date: Jul 2006 Location: peoria az Age: 24 Posts: 3,431 jr iTrader: 3 / 100%	i work at amex. manage responsibly and you will have no problem with the CC's other than that dont let them own you