Credit cards

i fucking love credit cards with perks, what cards you guys got

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Discover

Used to have three, or four (kek) now have 0. Debit and cash only, fuck (((credit))). If you can't buy it outright, you can't afford it

just spend responsibly my guy, you're missing out on cash back and travel perks. it's literally free money

2% cash back on everything.

I get like 250 a year from it

>costco visa card from citi
>bofa cash rewards
>discover it (if your just starting to build credit)
All bretty good

Honorable mentions to the bofa better balance card RIP

i've been thinking about funneling all my monthly bills through my credit card. do i still get points on rent?

707 credit score
$500 capital one limit 1.5% cashback
Useless because the limit is so low and I like to have utilization at 0 or as low as possible.
First credit card and they won't raise it because I've only had it for a few months.

What card should I apply for and will that hard check hurt me. Again less than a year of credit.

yup, at minimum 1% back

Citi double? i was considering that but went with Chase freedom unlimited for signup bonus, might get that next
if you can pay rent with a card, sure

once you hit 1 year of history, get into chase or amex. they're the top dogs right now and i don't see anyone else taking that position anytime soon. recommend chase freedom unlimited, or freedom if you can capitalize on rotating categories

Just get Discover It and get their cash back promotions.

debt cucks

This. The Discover IT card is the best bang for your buck with rewards and no fees. I get 1% back on everything and 5% on rotating categories 3-4 times a year. Currently I'm earning 5% on groceries, but it's also been gas stations, wholesale clubs, and Amazon in the past.

I also have an Amazon Prime card that hardly ever gets used. It gets me 5% cash back on Amazon the other months out of the year that my Discover card isn't earning.

how much use do you get out of it during each quarter? most categories that category cards offer don't benefit me much, like gas and wholesale

Amex cash preferred for 6% back on groceries and 3% on gas.
Discover for 5% on rotating categories.
Citi Double cash for 2% on everything else.

Always on the lookout for cash back signup bonuses. Right now, my discover is giving 10% cash back instead of 5% for the next 6 months. My amex gave 11% cash back at restaurants for 6 months when I first got it.

Sounds like you just have no self control. I only use a CC and pay it off 100% every time. Now I have great credit and free money + other perks

citi double cash because I can't be fucked to juggle 5 different cards just to score an average 3% cashback on all my purchases. 2% is enough, bonus point cards are shit to me since I never fly anywhere.

I am a college student with literally 0 income, a 770+ credit score, and Discover keeps increasing my LoC so now it's up to over $4k and I've only had it a year. My utilization is going to go down even more and my credit will go up even more, this is amazing.

I LOVE CREDIT CARDS

I have a chase freedom unlimited and chase sapphire. I use the sapphire for food and travel and the unlimited for everything else and then combine the points and use them to book flights

Imagine thinking than credit cards are for paying Jewish usury tax. Having credit is good and you can pay off your cards every month with zero interest. If you don't like debt then at least get a charge card for fuck's sake.

This, desu. I have another card through Citi I got like 15 years ago in college that I keep open solely so it keeps my credit utilization low.

Based.

Fuck it, this will be my next card. Will apply for one when my Amex 0% APR period runs out.

Meant the 2% one from citi.com/credit-cards/credit-card-details/citi.action?ID=citi-double-cash-credit-card

Big Black Thick Amazon Prime Dildo Card. Back in Dec, 2017 when I got it they were giving people $75 for signing up. This is how I got my trezor after spending all my monies on Bitcoin at the top. I dont know it was free and gives 5% cash back if I just order everything on Amazon and Whole Foods.

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that's chump my friend
I get about 150 a week from my 1.5% card

if you spend enough money to get 150 dollars per week and you're doing it on a 1.5% card, you're doing it wrong

make a website selling online courses through stripe
buy from yourself
max out point rewards
profit

but the groceries have to be from standalone stores, ie not anywhere with good prices like walmart

Is there any credit card with at least 25% cash back?

no lol, that's fucking nuts
5% is generally the highest, and that's for specific spending categories

I got a motherfucking banana republic card