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Forum » Need credit card advice
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Thread: Need credit card advice

post 1653538033 01-01-2022, 09:44 AM
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#1
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Need credit card advice

Hello and happy new year you bunch of degens,

I love you wild ass homos and I hope you all have a kickass 2022. I'm srs. I may give you crap but I do wish blessing upon all of you.

I need suggestions. My wife and I paid off all of our debt, long story I won't get into, but we have decent credit scores. Our scores all hover in the 700's. We want to start taking advantage of some of the perks that some of these cards offer.

-we don't travel hardly, so travel perks aren't needed
-we mostly will use it to buy groceries and fuel once a week


Will rep for suggestions
I know who I am. And after all these years, there’s a victory in that.

All liberals deserve death

*Proud member of the misc 767 & USA vs. Germany world cup ban
-People who say money can't buy happiness, have never paid the adoption fee at the pound and went home with a new best friend
*There's no such thing as a bad dog, only a bad dog owner

If you see myself and swoleyo in a thread, remind me to rep him.
post 1653538263 01-01-2022, 09:49 AM
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#2
  1. nothingshocking
  1. nothingshocking
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Citi double cash mastercard for everyday purchases - 2% cash back

Cost visa because Costco only takes Visa and 2% back at Costco, 4% on gas whether you buy t costco or anywhere else, I think 3% on dining and travel but I usually just use my citi for everything other than gas or costco, but the cash back comes in a costco gift certificate.
post 1653538433 01-01-2022, 09:53 AM
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Thank you to the first two posters. Reps
I know who I am. And after all these years, there’s a victory in that.

All liberals deserve death

*Proud member of the misc 767 & USA vs. Germany world cup ban
-People who say money can't buy happiness, have never paid the adoption fee at the pound and went home with a new best friend
*There's no such thing as a bad dog, only a bad dog owner

If you see myself and swoleyo in a thread, remind me to rep him.
post 1653538783 01-01-2022, 09:59 AM
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#4
  1. JeffPesos
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If it's strictly for Groceries/Gas...

Amex Blue Cash for 6% back on Grocery Store purchases and 3% back on gas

If you will make purchases outside of that very consistently, go Citi Double Cash 2% back as mentioned above.
RIP Based Kevin Samuels

London Brah

Computer Science / IT Master Race
post 1653538883 01-01-2022, 10:01 AM
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#5
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Originally Posted By JeffPesos⏩
If it's strictly for Groceries/Gas...

Amex Blue Cash for 6% back on Grocery Store purchases and 3% back on gas

If you will make purchases outside of that very consistently, go Citi Double Cash 2% back as mentioned above.
Thanks dooder
I know who I am. And after all these years, there’s a victory in that.

All liberals deserve death

*Proud member of the misc 767 & USA vs. Germany world cup ban
-People who say money can't buy happiness, have never paid the adoption fee at the pound and went home with a new best friend
*There's no such thing as a bad dog, only a bad dog owner

If you see myself and swoleyo in a thread, remind me to rep him.
post 1653539083 01-01-2022, 10:05 AM
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#6
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Check out nerdwallet.com for some suggestions.
^^Former 300+lb Crew^^

WWPB2D

Nothing worthwile is ever easy.

The beatings will continue until morale improves.
post 1653539823 01-01-2022, 10:18 AM
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#7
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- Cash back credit card with a low annual fee.

- Process all your recurring payments through credit with the exception of Rent/Mortgage

- Set up auto payment to avoid interest

- ??????


- profit
post 1653540303 01-01-2022, 10:28 AM
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#8
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I'm on recharge. Will get the rest of you after charge. Thanks
I know who I am. And after all these years, there’s a victory in that.

All liberals deserve death

*Proud member of the misc 767 & USA vs. Germany world cup ban
-People who say money can't buy happiness, have never paid the adoption fee at the pound and went home with a new best friend
*There's no such thing as a bad dog, only a bad dog owner

If you see myself and swoleyo in a thread, remind me to rep him.
post 1653540433 01-01-2022, 10:30 AM
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#9
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Originally Posted By ElMarkino⏩
Citi Double Cash Card. Unlimited 2% on all purchases.
If you don’t travel pretty much this. Travel and cash back cards are really your only options.

Too bad cause I have a 5 card rotation for travel and it makes trips pretty awesome. Always love dolling out advice on travel cards.
post 1653540503 01-01-2022, 10:32 AM
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#10
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Crypto.com reward cards + Citi cash Back Cards. + Rakuten Cash Back Cards.
post 1653540523 01-01-2022, 10:33 AM
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#11
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Originally Posted By JeffPesos⏩
If it's strictly for Groceries/Gas...

Amex Blue Cash for 6% back on Grocery Store purchases and 3% back on gas

If you will make purchases outside of that very consistently, go Citi Double Cash 2% back as mentioned above.
Came in to post this for your situation.
$99 annual fee for that card. Just make sure the grocery store you shop qualifies. Meijer is good for it, Walmart is not.
*Left Handed Crew*

"People once believed, that when someone dies, a crow carries their soul to the land of the dead. But sometimes, something so bad happens, that a terrible sadness is carried with it and the soul can't rest. Then sometimes, just sometimes the crow could bring that soul back to put the wrong things right."
post 1653542383 01-01-2022, 11:12 AM
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I need more info to give a good answer to give the best set up.

Do you use the same gas station (Mobil, Shell etc?)

What do you want in perks? Just cash back?

Can you handle more than 1 credit card?

Do you get groceries at the supermarket or wal-mart/Whole Foods etc)
The misc is full of a bunch of simp ****ots
post 1653549433 01-01-2022, 01:36 PM
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#13
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Thank y'all so much

@divine

Do you use the same gas station (Mobil, Shell etc?) Usually the same few..Kroger, race track, quick trip

What do you want in perks? Just cash back?
Honestly I'm ignorant and unaware of available perks. Never really utilized cards

Can you handle more than 1 credit card?
I suppose, shouldn't be a problem
Do you get groceries at the supermarket or wal-mart/Whole Foods etc)

Walmart/Kroger alot. Sometimes local supermarket
I know who I am. And after all these years, there’s a victory in that.

All liberals deserve death

*Proud member of the misc 767 & USA vs. Germany world cup ban
-People who say money can't buy happiness, have never paid the adoption fee at the pound and went home with a new best friend
*There's no such thing as a bad dog, only a bad dog owner

If you see myself and swoleyo in a thread, remind me to rep him.
post 1653549663 01-01-2022, 01:40 PM
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#14
  1. DrugsToGetBig
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Originally Posted By ElMarkino⏩
Citi Double Cash Card. Unlimited 2% on all purchases.
Originally Posted By nothingshocking⏩
Citi double cash mastercard for everyday purchases - 2% cash back

Cost visa because Costco only takes Visa and 2% back at Costco, 4% on gas whether you buy t costco or anywhere else, I think 3% on dining and travel but I usually just use my citi for everything other than gas or costco, but the cash back comes in a costco gift certificate.
interdasting

will check this out as well as i hate debt but the only way i can approach "great" credit territory is to play their game

motiviert happy new years boyo!
*Forever Alone Crew*
*Neg FireofAss Crew on SIGHT Crew*
post 1653549753 01-01-2022, 01:43 PM
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#15
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Originally Posted By nothingshocking⏩
Citi double cash mastercard for everyday purchases - 2% cash back

Cost visa because Costco only takes Visa and 2% back at Costco, 4% on gas whether you buy t costco or anywhere else, I think 3% on dining and travel but I usually just use my citi for everything other than gas or costco, but the cash back comes in a costco gift certificate.
So much this. I only use a Costco card and every year I get a huge Costco check.
I probably banged your mom.

Eat the whole animal like a real man.
post 1653549893 01-01-2022, 01:45 PM
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#16
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Originally Posted By JeffPesos⏩
If it's strictly for Groceries/Gas...

Amex Blue Cash for 6% back on Grocery Store purchases and 3% back on gas

If you will make purchases outside of that very consistently, go Citi Double Cash 2% back as mentioned above.
came to say this, $600 back this year from it
Official LTC representative
post 1653552003 01-01-2022, 02:26 PM
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#17
  1. DivineMasculine
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Originally Posted By Motiviert⏩
Thank y'all so much

@divine

Do you use the same gas station (Mobil, Shell etc?) Usually the same few..Kroger, race track, quick trip

What do you want in perks? Just cash back?
Honestly I'm ignorant and unaware of available perks. Never really utilized cards

Can you handle more than 1 credit card?
I suppose, shouldn't be a problem
Do you get groceries at the supermarket or wal-mart/Whole Foods etc)

Walmart/Kroger alot. Sometimes local supermarket
You could get a Kroger card for your gas and then use a Citi custom cash for groceries (5% back). Citi has a higher grocery limit then the Kroger card.

https://www.krogermastercard.com/credit/welcome.do

https://www.citi.com/credit-cards/ci...sh-credit-card
The misc is full of a bunch of simp ****ots
post 1653571823 01-01-2022, 09:41 PM
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#18
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Originally Posted By DrugsToGetBig⏩
interdasting

will check this out as well as i hate debt but the only way i can approach "great" credit territory is to play their game

motiviert happy new years boyo!
Happy new year to my brotha from another motha. Thanks for input and thankfor the input. You have my word as schons that I will rep all of you, in time.. hope y'all have a great night and I wish each and every one of you Bros a wonderful kick ass year.
I know who I am. And after all these years, there’s a victory in that.

All liberals deserve death

*Proud member of the misc 767 & USA vs. Germany world cup ban
-People who say money can't buy happiness, have never paid the adoption fee at the pound and went home with a new best friend
*There's no such thing as a bad dog, only a bad dog owner

If you see myself and swoleyo in a thread, remind me to rep him.
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