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08-30-2016, 04:03 PM | #391 |
"You like to drink?"
Join Date: Jun 2006
Location: "I like to drink."
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Fffff****, I should have applied to this one before I ordered my books for the semester.
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Posts: 43,906
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08-30-2016, 04:11 PM | #392 |
What's up braj?
Join Date: Jun 2008
Location: Placencia, Belize
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Fidelity Visa and Citi Double Cash are about as good as they come for those looking to keep it simple. Solid recommendations.
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Posts: 16,173
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08-30-2016, 06:45 PM | #393 |
TACO SALAD
Join Date: Apr 2008
Location: yes
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Posts: 6,247
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08-30-2016, 07:53 PM | #394 |
Supporter
Join Date: Apr 2007
Location: Scott City KS
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I have a card through my local bank that I use solely for reimbursable expenses. Wife has a Cabela's card she got when we got engaged (she had no credit history at all).
Last year we got a SAMs card because I was tired of dicking with debit cards and shit. They don't take Visa and that's all I had otherwise. Pretty much chose mine because of convenience and don't want to change for the billion years of credit history I would give up. FWIW they are all 3 auto debited each month. Highly recommend it. Last edited by Buehler445; 08-31-2016 at 07:17 AM.. |
Posts: 57,702
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08-30-2016, 09:15 PM | #395 |
NFL's #1 Ermines Fan
Join Date: Jul 2001
Location: My house
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Posts: 142,658
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08-30-2016, 10:55 PM | #396 |
Kind of a mod
Join Date: Aug 2005
Location: Donkey Land
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I'm primarily using a Discover Miles card that they don't offer anymore. $60 annual fee, but straight 2% on everything (assuming you use it for either travel credit or Amazon). I also have an Amazon card for the 3% at Amazon and a Costco card that does 4% on gas, 3% on restaurants, 2% at Costco, and 1% for everything else, but the rewards are only redeemable at Costco.
If people aren't aware of it, Nerdwallet is a fantastic resource for evaluating rewards cards. They have a calculator that lets you tell it roughly how much you spend on various categories each month, and it'll give you suggestions on which cards will net you the most in rewards. https://www.nerdwallet.com/credit-cards |
Posts: 52,335
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08-30-2016, 10:56 PM | #397 |
Kind of a mod
Join Date: Aug 2005
Location: Donkey Land
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Oh, and I charge literally everything I can for the rewards. Everyday expenses, monthly bills - everything. If they let me charge it, I do. I probably rack up around $50-$75 in rewards every month. As lewdog said, you just have to be sure you have the discipline to never spend more than you can immediately pay off. Carrying balances is bad mmkay.
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Posts: 52,335
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08-31-2016, 07:18 AM | #398 |
Supporter
Join Date: Apr 2007
Location: Scott City KS
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Posts: 57,702
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09-01-2016, 04:42 AM | #399 | |
TACO SALAD
Join Date: Apr 2008
Location: yes
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Quote:
I was already on edge because I don't like how they pay the money back but the %s were high enough it seemed like it might be worth it. |
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Posts: 6,247
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09-01-2016, 07:52 AM | #400 | |
MVP
Join Date: Aug 2000
Location: Lee's Summit
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Quote:
It's as simple as that. It literally is a savings account. |
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Posts: 8,287
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09-01-2016, 08:32 AM | #401 | |
Kind of a mod
Join Date: Aug 2005
Location: Donkey Land
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Quote:
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Posts: 52,335
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09-08-2016, 05:23 PM | #402 |
Mod Team
Join Date: Sep 2011
Location: Valley of the hot as ****
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Finally pulling the trigger on a refinance for the mortgage. Locked in a 3.625% rate today and couldn't pass it up. Should save us about $150 a month on our mortgage. Just have to complete the paperwork and appraisal. We still plan to pay our current mortgage rate, as it's plenty comfortable for us. This should allow us to pay off our mortgage sooner.
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Posts: 46,067
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09-08-2016, 05:25 PM | #403 |
Banned
Join Date: Jan 2013
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Posts: 53,803
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09-08-2016, 05:33 PM | #404 |
Mod Team
Join Date: Sep 2011
Location: Valley of the hot as ****
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I was pretty jacked! Our current rate is 4.625% that we got in Feb of 2014. Reason it was higher is that my wife's credit score was about 730 at the time, and they use the person with the lowest credit score for approval. This time mine was 805 and her's was 790, so he said our super high credit score would get us a great rate.
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Posts: 46,067
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09-08-2016, 05:42 PM | #405 |
TACO SALAD
Join Date: Apr 2008
Location: yes
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Posts: 6,247
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