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» Best credit cards right now? (107k reps)
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post 1586337571 08-20-2019, 04:10 PM
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#61
  1. mkTheGoods
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  1. mkTheGoods
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Originally Posted By sword_
Unaware about the Cell Phone Protection Feature?
See below - this is directly from the benefits handbook:



Who is eligible for this protection?

To be eligible for Cellular Telephone Protection, You must be a valid Cardholder of an eligible U.S.-issued Chase card and charge Your monthly cellular wireless telephone bills to Your eligible card. Following the program effective date set forth above, Your cellular telephone protection begins the day following your cellular wireless telephone bill payment and remains in effect until the last day of the calendar month following the payment. Coverage is suspended if no payment is made on your eligible card

What type of protection is this?

Cellular telephone protection is supplemental to, and excess of, valid and collectible insurance or indemnity (including, but not limited to, cellular wireless telephone insurance programs, homeowner’s, renter’s, automobile, or employer’s insurance policies).
After all insurance or indemnity has been exhausted, cellular telephone protection will cover the damage to, theft of, or involuntary and accidental parting with the Cellular Wireless Telephone up to six hundred ($600.00) dollars per claim, subject to the terms, conditions, exclusions, and limits of liability of this benefit as well as the one hundred ($100.00) dollar deductible.

The maximum limit of liability is six hundred ($600.00) dollars per claim occurrence, and eighteen hundred ($1,800.00) dollars per twelve (12) month period. Involuntary and accidental parting with property means the unintended separation from an item of personal property in which the item’s location is known but recovery is impractical to complete.

You will receive no more than the purchase price less your one hundred ($100.00) dollar deductible as recorded on Your submitted receipt.
post 1586340041 08-20-2019, 04:49 PM
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#62
  1. CulturalDecay
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  1. CulturalDecay
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Stuff like this is why you're all broke lol.

Don't get me wrong, credit cards aren't bad - but they aren't drastically different unless you are spending HUGE amounts of money yearly, or you travel frequently as part of your job - anyone not fitting into those categories is a moron if they care about the difference between 2% cash back and 1% cash back lol. You could so easily save more by not buying your Starbucks latte for a week, or lowering your electric bill.

But muh metal credit card! Girls be gettin' wet yo!

Nobody cares.....and if 1% additional cash back is meaningful to you.....I got some bad news. You're poor anyway.
post 1586340191 08-20-2019, 04:51 PM
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#63
  1. ANumber1
  2. Duke of New York
  1. ANumber1
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Originally Posted By CulturalDecay
Stuff like this is why you're all broke lol.

Don't get me wrong, credit cards aren't bad - but they aren't drastically different unless you are spending HUGE amounts of money yearly, or you travel frequently as part of your job - anyone not fitting into those categories is a moron if they care about the difference between 2% cash back and 1% cash back lol. You could so easily save more by not buying your Starbucks latte for a week, or lowering your electric bill.

But muh metal credit card! Girls be gettin' wet yo!

Nobody cares.....and if 1% additional cash back is meaningful to you.....I got some bad news. You're poor anyway.
LEL at 1-2%.

That's my fallback when I can't get 4x + eBates + 20% off on an AmEx Offer you pleb.
Nah, fukk that. I’m not doing that.
post 1586340331 08-20-2019, 04:53 PM
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#64
  1. sword_
  2. uberschwert
  1. sword_
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Originally Posted By CulturalDecay
Stuff like this is why you're all broke lol.

Don't get me wrong, credit cards aren't bad - but they aren't drastically different unless you are spending HUGE amounts of money yearly, or you travel frequently as part of your job - anyone not fitting into those categories is a moron if they care about the difference between 2% cash back and 1% cash back lol. You could so easily save more by not buying your Starbucks latte for a week, or lowering your electric bill.

But muh metal credit card! Girls be gettin' wet yo!

Nobody cares.....and if 1% additional cash back is meaningful to you.....I got some bad news. You're poor anyway.
If you already have a set of running expenses, I don't see why not use a credit card and get those sweet bonuses. Obviously don't live outside your means and you should be okay.
A hit was sent, from the President, to raid your residence /
Because you had secret evidence, and documents /
On how they raped the continents, and it's the prominent /
Dominant Islamic, Asiatic Black Hebrew

- GZA "4th Chamber"
post 1586340481 08-20-2019, 04:55 PM
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#65
  1. ooph
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  1. ooph
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Originally Posted By CulturalDecay
Stuff like this is why you're all broke lol.

Don't get me wrong, credit cards aren't bad - but they aren't drastically different unless you are spending HUGE amounts of money yearly, or you travel frequently as part of your job - anyone not fitting into those categories is a moron if they care about the difference between 2% cash back and 1% cash back lol. You could so easily save more by not buying your Starbucks latte for a week, or lowering your electric bill.

But muh metal credit card! Girls be gettin' wet yo!

Nobody cares.....and if 1% additional cash back is meaningful to you.....I got some bad news. You're poor anyway.
I bet I've spent more on credit cards so far this year than you've made in wages.
Originally Posted By mkTheGoods
Love the CIP, probably the best sign-up bonus in the game at the moment and love the cell phone protection feature.
Definitely going to look into this. Would be sweet if its basically same as asurion for phone insurance w/o the cost.
post 1586340871 08-20-2019, 05:02 PM
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#66
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Originally Posted By CulturalDecay
or you travel frequently as part of your job.
but i do?
Kobe Forever
Black Crew
Bucks N 6
post 1586341071 08-20-2019, 05:05 PM
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#67
  1. ANumber1
  2. Duke of New York
  1. ANumber1
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Originally Posted By ooph
I bet I've spent more on credit cards so far this year than you've made in wages.
I take two nice vacations a year plus some other personal/business travel. I get about five hundred back after every vacation (Chase Sapphire Reserve 3x on travel and dining + 50% redemption bonus toward airfare), plus a couple thousand from my general personal spending, all after-tax.

Only a moron would say "LOL, don't take your 401k match, just lower your electric bill", but somehow people don't grasp that this is the same type of mistake. Whatever, can't save everybody.
Nah, fukk that. I’m not doing that.
post 1586341241 08-20-2019, 05:08 PM
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#68
  1. lowstrife
  2. I ain't no bitch
  1. lowstrife
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Discover gives you 5% on rotating catagories. Useless sometimes, but now and then they give some good ones (Gas, uber, resturants, etc)

Chase\Amazon card gives 5% @ Amazon and Whole foods. Mandatory to have this one.

UMB has a card that gives 3% on gas\restaurants.

Citi doublecash for everything else that doesn't fit into these boxes.
Originally Posted By CulturalDecay
Stuff like this is why you're all broke lol.

Don't get me wrong, credit cards aren't bad - but they aren't drastically different unless you are spending HUGE amounts of money yearly, or you travel frequently as part of your job - anyone not fitting into those categories is a moron if they care about the difference between 2% cash back and 1% cash back lol. You could so easily save more by not buying your Starbucks latte for a week, or lowering your electric bill.

But muh metal credit card! Girls be gettin' wet yo!

Nobody cares.....and if 1% additional cash back is meaningful to you.....I got some bad news. You're poor anyway.
I get $800\yr in cashback by putting 100% of my spending through CC's. That's tax-free rebates on my spending. Would be more like $1100-1400\yr pre-tax depending on your income level.

It's meaningful because you layer multiple things like this which stack together. Buying things in bulk to get bulk pricing. Getting the 15% discount on amazon subscribe. Lower interest rates on loans. Index funds instead of parasitic loss from managed funds.
post 1586342461 08-20-2019, 05:28 PM
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#69
  1. axiom15
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LMAO @ these suggestions

If you don't care for travel, hotels, flights, etc. and are only looking for cash back then your only options should be Citi double cash or alliant cashback
post 1586342481 08-20-2019, 05:28 PM
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#70
  1. bartosh
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Not sure if mentioned ITT but

- Uber visa gives 4% back on food
- Ducks visa gives 5% back on gas
- Amazon card for 5% on prime purchases

That covers 90% of my purchases
MS, Computer Science
Feel free to PM me CS questions
post 1586359061 08-20-2019, 10:03 PM
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#71
  1. mkTheGoods
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Originally Posted By CulturalDecay
Stuff like this is why you're all broke lol.

Don't get me wrong, credit cards aren't bad - but they aren't drastically different unless you are spending HUGE amounts of money yearly, or you travel frequently as part of your job - anyone not fitting into those categories is a moron if they care about the difference between 2% cash back and 1% cash back lol. You could so easily save more by not buying your Starbucks latte for a week, or lowering your electric bill.

But muh metal credit card! Girls be gettin' wet yo!

Nobody cares.....and if 1% additional cash back is meaningful to you.....I got some bad news. You're poor anyway.
Yes, it's important to spend within your means but why leave free cash on the table? Use credit cards responsibly by paying them in full each month and only use them to buy things you would have bought anyway with cash or a debit card. Credit card issuers are also more incentivized to solve fraudulent charges since it's their money being fleeced instead of your own at checking account at a bank.
post 1586359111 08-20-2019, 10:04 PM
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#72
  1. sword_
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If anyone is getting a Chase Sapphire Preferred lemme know I got a referral code
A hit was sent, from the President, to raid your residence /
Because you had secret evidence, and documents /
On how they raped the continents, and it's the prominent /
Dominant Islamic, Asiatic Black Hebrew

- GZA "4th Chamber"
post 1586359451 08-20-2019, 10:13 PM
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#73
  1. chivasregal
  2. Misc OG
  1. chivasregal
  2. Misc OG
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UBER card (4% food/bars/coffee, 3% travel/hotel, 2% UBER, amazon and ALL online purchases)

Discover IT (rotating categories. Similar to chase one. Love the customer service as they’re all American)

Chase freedom unlimited

Thinking of getting me the WF Propel and/or Apple Card.

Don’t get a card with an annual fee unless it’ll be your ONLY card. If you’re using multiple cards to max out your rewards then paying an annual fee is stupid.
EL PASO★STRONG
8-3-19

Procedures I’ve had. Feel free to ask about them:
- LASIK surgery (2007)
- Septoplasty (2018)
- Gum Graft (2019)
- Gynecomastia/Liposuction (2021)
post 1586366681 08-21-2019, 02:02 AM
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#74
  1. awwchit2
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well I’m def not a big spender like some of you car salesmen are here.

Having multiple balances just irritates me. I use one card at a time. Apple Card is pretty solid considering their gonna keep adding merchants for 3% back. They just added Uber.

I’m just using credit mostly and paying off to shoot up my credit score and earn coins in my piggy bank. I could very well run on cash only.

A $250* annual fee is just stupid. I have no need for those “premium” perks. AMEX offers mostly suck srs. Last one I redeemed was for sams club but I had to purchase online which is retarded

Surprised nobody has mentioned target card brb 5% off whole store. I use the debit one anyways. And target is my main for a lot of things
Look, i know i don't really know you and all, and i know you probably hear this like everyday, but your just so perfect to me. The few hours we talked were really great even if the convo was stale, your really pretty and chill, and your country thats just perfect :'D i really dont know how to explain it, but i think i have feelings for you somehow. i never felt like this with someone i just met, but i felt the need to get it off my chest. sorry for being all weird just idk how to explain it D:
post 1586378471 08-21-2019, 08:11 AM
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#75
  1. ANumber1
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Originally Posted By chivasregal
Don’t get a card with an annual fee unless it’ll be your ONLY card. If you’re using multiple cards to max out your rewards then paying an annual fee is stupid.
You're not thinking it all the way through.

A lot of people who don't spend much probably shouldn't have a fee-based card at all. However, if you're in the bracket where you're churning out a clear profit on one card, there's a good chance there's synergy between CSR/AmEx Platinum or AmEx Platinum/AmEx Gold that also turns a profit.
Nah, fukk that. I’m not doing that.
post 1586380251 08-21-2019, 08:42 AM
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#76
  1. dizzin9
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Originally Posted By axiom15
LMAO @ these suggestions

If you don't care for travel, hotels, flights, etc. and are only looking for cash back then your only options should be Citi double cash or alliant cashback
Imagine going to a nice seafood dinner and you hand your waitress any of these cards lol
We’re all gonna make it.
post 1586381321 08-21-2019, 08:58 AM
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#77
  1. Dec4y
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Originally Posted By Silencespeaks
Delta also gives you lounge access with Amex Platinum. And you get $15 monthly Uber credit (does not roll over though).
Delta access sucks now - many restrictions. Recently removed the 2 guests free. If you have 2 kids, you're paying $29 each even if you and wife have plat cards.
Always Pick #4
850 FICO crew
post 1586381351 08-21-2019, 08:58 AM
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#78
  1. W1LLW
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Originally Posted By axiom15
LMAO @ these suggestions

only looking for cash back then your only options should be Citi double cash or alliant cashback
Originally Posted By dizzin9
Imagine going to a nice seafood dinner and you hand your waitress any of these cards lol

















Even if the $250 fee didn't pay for itself. I'd pay just to not look like a pleb. Just lmao at doublecashcels

Kobe Forever
Black Crew
Bucks N 6
post 1586381491 08-21-2019, 09:02 AM
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#79
  1. sword_
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[QUOTE=W1LLW post_id=1586381351][center][img]https://i.postimg.cc/Zq8GZ10k/Screen-Shot-2019-08-21-at-09-51-06.png[/img]
[/QUOTE]Yikes!
A hit was sent, from the President, to raid your residence /
Because you had secret evidence, and documents /
On how they raped the continents, and it's the prominent /
Dominant Islamic, Asiatic Black Hebrew

- GZA "4th Chamber"
post 1586381851 08-21-2019, 09:08 AM
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#80
  1. Xinroth
  2. لول
  1. Xinroth
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Originally Posted By awwchit2
just LOL at annual fees

so you would have to spend like 6k+ just to earn $250 cashback at 4% and remain profitable w/ that annual fee if my potato math is right.

congrats you played yourself.
But do you even read


It has a $250 annual fee, but it's slashed by $120 dining credit ($10 per month for 12 months) and $100 airline fee credit, so the effective fee is essentially $30.
Arsenal F.C / San Antonio Spurs
305 / 445 / 515
post 1586387841 08-21-2019, 10:43 AM
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#81
  1. awwchit2
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Originally Posted By Xinroth
But do you even read


It has a $250 annual fee, but it's slashed by $120 dining credit ($10 per month for 12 months) and $100 airline fee credit, so the effective fee is essentially $30.
Did you go to school on the little bus?

You would have to wait 12 months to even have the dining credit make up $120 for the annual fee. fuk that lmfao.

$10 cant even buy a fukin big mac with large fries these days.

Apple card is the way to go boys. Aesthetic af card. zero fees. daily cash back. and they're gonna keep adding merchants for the 3%. don't need any other card. I strongly believe they will continue to upgrade the card benefits to compete with others.
Look, i know i don't really know you and all, and i know you probably hear this like everyday, but your just so perfect to me. The few hours we talked were really great even if the convo was stale, your really pretty and chill, and your country thats just perfect :'D i really dont know how to explain it, but i think i have feelings for you somehow. i never felt like this with someone i just met, but i felt the need to get it off my chest. sorry for being all weird just idk how to explain it D:
post 1586389511 08-21-2019, 11:06 AM
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#82
  1. W1LLW
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Originally Posted By awwchit2
Did you go to school on the little bus?

You would have to wait 12 months to even have the dining credit make up $120 for the annual fee. fuk that lmfao.

$10 cant even buy a fukin big mac with large fries these days.
nah you're just a localass poorcreditcel that doesn't leave his small town.

- it's a $10 monthly credit over the year - $120 (i assign this to grubhub. knocks a $18 order to 8 basically)
- $100 airline credit. which again, if you board a plane even once in a year (which most non plebs do), it's claimed.
Kobe Forever
Black Crew
Bucks N 6
post 1586390021 08-21-2019, 11:14 AM
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#83
  1. Chargr
  2. ok.
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Lol if you don’t have the new Wells Fargo Amex

-$300 off first $3000 spent
-3x points on Gas, food hotels and streaming services
-1x on all other Purchases
-FREE Phone protection insurance if you pay your phone bill with it. (I broke the screen of my IPhone XR and Wells Fargo reimbursed me when I took it to apple to fix it. $25 deductible only).

Great card for Kings

Other considerations:
chase freedom and discover IT
post 1586391111 08-21-2019, 11:28 AM
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#84
  1. W1LLW
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Originally Posted By Chargr
Lol if you don’t have the newWells FargoAmex

Great card for Kings




































Kobe Forever
Black Crew
Bucks N 6
post 1586396211 08-21-2019, 12:39 PM
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#85
  1. Horse86
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About to get:

Ducks Unlim for the 5% gas
Uber for the 4% restaurants


Sucks adding 2 more CCs to the wallet but currently getting 3% on both with the 1 CC I use.
S&P Crew, Cologne Crew, Crypto Crew

For sale CC:
10ml B22 (SOLD)
10ml La Yuqawam (SOLD)

5ml Tom Ford Oud Wood - full presentation = stock TF glass container with gold label (SOLD)
10ml Tom Ford Plum Japonias
Pure Malt - 99% full comes with box
Rochas Man - BNIB (SOLD)

For Sale S&P:
Allen Edmonds Black Park Avenue 12D only worn a handfull of times.
post 1586397901 08-21-2019, 01:01 PM
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#86
  1. backinbusiness
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If you play with Chase Freedom and Sapphire cards you can transfer points between them.

So you literally get basically all you could want.

If you don’t travel, maybe it’s time you save up so you can see the world. It’s a big place.
Misc Firearm Crew. 2nd Amendment cannot be Interpreted.
The right of the people to keep and bear arms, shall not be infringed.
2023 Goal: Continue triggering leftist R&P deranged posters and incels.
Never relax around joggers
post 1586398031 08-21-2019, 01:03 PM
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#87
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Originally Posted By Horse86
About to get:

Ducks Unlim for the 5% gas

Uber for the 4% restaurants
I won't hate on the uber card (even if it does look like a toy), but what's up with opening a card just for cashback on gas. I don't think dats it mane. I would look to get something more versatile

Kobe Forever
Black Crew
Bucks N 6
post 1586398281 08-21-2019, 01:06 PM
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#88
  1. ANumber1
  2. Duke of New York
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Originally Posted By W1LLW
I won't hate on the uber card (even if it does look like a toy), but what's up with opening a card just for cashback on gas. I don't think dats it mane. I would look to get something more versatile

Fun fact: a lot of supermarkets have giftcards for major gas station chains.

Just another way to savor the 4x at supermarkets on American Express Gold. I mercilessly flog that card like it's into BDSM.
Nah, fukk that. I’m not doing that.
post 1586399331 08-21-2019, 01:19 PM
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#89
  1. adamsz
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Originally Posted By axiom15
LMAO @ these suggestions

If you don't care for travel, hotels, flights, etc. and are only looking for cash back then your only options should be Citi double cash or alliant cashback
don't agree. After doing the research I decided on this one:






after the first 20k I'll switch to either the citi double cash or costco visa
Originally Posted By backinbusiness
If you don’t travel, maybe it’s time you save up so you can see the world. It’s a big place.
I've been to nine different countries and lived abroad for a year. I just don't travel frequently at this point in my life, and only fly domestically about once a year on average right now. So a travel benefit card just really doesn't make sense me right now.
Awesome pics. Great size. Look thick. Solid. Tight. Keep us all posted on your continued progress with any new progress pics or vid clips. Show us what you got man. Wanna see how freakin' huge, solid, thick and tight you can get. Thanks for the motivation.
post 1586399791 08-21-2019, 01:25 PM
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#90
  1. Horse86
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Originally Posted By W1LLW
I won't hate on the uber card (even if it does look like a toy), but what's up with opening a card just for cashback on gas. I don't think dats it mane. I would look to get something more versatile
I mean I couldn't give 2 F's on what a CC looks like. Don't care if it laminated cardboard. Its function not fashion.

I have 1 covering both now but only 3%. My fillups avg $50 for my one vehicle and almost $100 per week on the other which is my DD. So thats around $500 a month just on gas. I'd say it's worth it....would be $300+ cash back per year using this for gas alone. That's a round trip flight somewhere...or almost a free month of gas.
S&P Crew, Cologne Crew, Crypto Crew

For sale CC:
10ml B22 (SOLD)
10ml La Yuqawam (SOLD)

5ml Tom Ford Oud Wood - full presentation = stock TF glass container with gold label (SOLD)
10ml Tom Ford Plum Japonias
Pure Malt - 99% full comes with box
Rochas Man - BNIB (SOLD)

For Sale S&P:
Allen Edmonds Black Park Avenue 12D only worn a handfull of times.
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