Need a new credit card

Tom Ato

Tom Ato

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My old cash rewards card just slashed their giveback to 0.25% on most purchases, so I guess it's time to find greener pastures.

I'm enticed by the amazon credit card, since I buy a lot of stuff there. Any thoughts. Any other recommendations? I prefer cash reward, but if there's a decent gift card selection I could work with that.

For the record, APR doesn't matter, I pay off in full each month. I want my card to pay me!
 
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The amazon credit card is my best recommendation. Like you, I pay off my credit card in full every time the bill shows up. Also, I buy a lot of stuff on amazon. It's really a no brainer and I should have done it a long time ago. My main credit card before was a Citi rewards card that would take forever to get anything from. Stuff that.
 
What I've gone with is a combo of the Best Buy reward card and the Amazon one. Amazon card is fantastic for Amazon purchases, and then I use the Best Buy one for everything else such as groceries. The Best Buy rewards has a better point to dollar ratio than the Amazon one, I easily reach silver status and get free shipping from Best Buy, and you can use the Best Buy points to buy Amazon Kindle cards(which you can buy anything with, not just e-books) or even a prepaid VISA.
 
[quote name='Tom Ato']I don't like that "jan to march" crap. But the $250 is tempting. I put about $700 a month on my card so I can easily reach that.[/QUOTE]

It's just different categories for each quarter that the offer 5% cash back on.
https://creditcards.chase.com/freedom/Activate.aspx?CELL=#modalCalendar look @ the [URL="https://creditcards.chase.com/freedom/Activate.aspx?CELL=#modalCalendar"]See 2012 calendar [/URL]

http://www.mydollarplan.com/5-cash-rewards-credit-cards/

read that for some good reward cards that should suit you fine.
 
[quote name='Mike360']Chase Freedom card
https://applynowdc1.chase.com/FlexAppWeb/renderApp.do?SPID=DJK7&CELL=

$250 back if you spend $500 within 3 months.
5% cash back on gas purchases and amazon.com purchases from jan till end of march
up to 10% cashback from many online stores.[/QUOTE]

This is by far the best offer + credit card to get

Citi also has a similar offer but theirs is $200 back for $500 purchase. Chase Freedom's reward program makes that cc much better though

http://creditcards.citicards.com/us...5&ProspectID=BBC7278DB66C49169A571F5E21B6B056
 
I have the Amazon Visa and love it. I buy a ton of stuff there so being able to redeem points for cash anytime I have 100 or more points (100 points=$1) is a huge plus. As is getting triple points on Amazon.com purchases.
 
[quote name='Mike360']
...............
http://www.mydollarplan.com/5-cash-rewards-credit-cards/

read that for some good reward cards that should suit you fine.[/QUOTE]

hahaha
I have most of the cards listed on that site (yes, I'm a little crazy).
Sadly, they (that website) didn't mention my favorite credit card, the
Fidelity American Express Credit Card
2% cash back on everything (you can cash out when you have $50+ in rewards)

The only con I can think of is you must setup a Fidelity Cash Management account to get your reward.
Not too bad of a con though, the Fidelity Cash Management account is similar to a checking account and is free
(you don't have to keep any money in it, just link it to your primary checking account and ach the reward to it).
http://personal.fidelity.com/products/checking/content/amex_rewards_card.shtml
 
I have the chase freedom card and I love it. I got it because after a lot of research it was a great option with no annual fee. 1% cash back on everything and then like the posters above mentioned you get 5% cash back option throughout the year on misc categories.
 
Discover card has been good to me for 10 years . I love their cashback bonus and you can use towards amazon. they have 5%-10% cash back on certain purchases
 
[quote name='maxim2boobles']Discover card has been good to me for 10 years . I love their cashback bonus and you can use towards amazon. they have 5%-10% cash back on certain purchases[/QUOTE]

This. Customer service is the best I've ever dealt with as well.
 
Since you shop at Amazon a lot look at the Citi Forward card, last I checked it came with a 10,000 points bonus good for a $100 gift card. 5 points on bookstore which Amazon counts as one, I believe fast food and restaurants.
 
I have the citi card and the chase amazon visa card. The amazon visa has a way better point system than any of the citi cards, and you can use the points anytime with amazon purchases. Last 6 months I have stopped using the citi and my american express, they just cut all their benefits for some reason.
 
[quote name='Tom Ato']I don't like that "jan to march" crap. But the $250 is tempting. I put about $700 a month on my card so I can easily reach that.[/QUOTE]

I don't like that either... because it seems like the CC companies coordinate their bonuses. I have a Discover and the Chase Freedom card and both have quarterly bonus categories, but their 5% on gas always fall on the same quarter (this quater this year, during summer last year).
 
[quote name='Vinny']I don't like that either... because it seems like the CC companies coordinate their bonuses. I have a Discover and the Chase Freedom card and both have quarterly bonus categories, but their 5% on gas always fall on the same quarter (this quater this year, during summer last year).[/QUOTE]

Coordinate their bonuses? Yeah, just like Target and Best Buy coordinate their sales to be similar to one another :roll:

It's called competition. If one provider is going to offer 5% on gas (which I imagine is one of the more popular cashback offers) then don't you think the competitor will try and do the same during that period to not lose business? They're not collaborating on anything, that wouldn't make sense.
 
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