Rewards credit cards

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  1. #1

    Rewards credit cards

    I received notice that my Citi Forward card is having its benefits slashed. It used to give 5% back on bars, restaurants, Amazon, books, music and movies. Everything else was 1% back. Given the amount of money I spent online, eating out, and drinking this was an obvious choice. Apparently it's time to move onto a new credit card.



    What does everyone else use? The best I can find so far seems to be the Citi Double Cash (2% on everything), or the new Citi Costco card (4% on gas, 3% on restaurants and travel, 2% at Costco, 1% everywhere else).
    2016-2017: 79 days
    2015-2016: 54 days
    2014-2015: 63 days
    2013-2014: 68 days

    Quiver: 2014 Liberty Sequence (182 cm), 2014 K2 Rictor 82 XTi (177 cm), 2015 Nordica NRGY 100 (177 cm), 2016 Head Monster 88 (177 cm), 2017 Voelkl Racetiger SL (165 cm), 2017 Nordica Enforcer 93 (193 cm), 2017 Revision Subtraction (194 cm)

  2. #2
    Edd's Avatar
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    I've had Amex Cash Rewards for several years. Coincidentally, they've been marketing that card recently harder than ever. No fee, 3% back at supermarkets, 2% at gas stations and some stores, 1% for everything else.

    There are better deals out there but we're not motivated to switch. We've been very pleased with the customer service, the iPhone app is fantastic and uses Touch ID, which goes a long way with me due to my laziness.

    Side note: I just realized the Amazon app also supports Touch ID. It's had it for some time but it got turned on recently on my phone, for some reason. I'm way too excited about it.

  3. #3
    Quote Originally Posted by Edd View Post
    I've had Amex Cash Rewards for several years. Coincidentally, they've been marketing that card recently harder than ever. No fee, 3% back at supermarkets, 2% at gas stations and some stores, 1% for everything else.

    There are better deals out there but we're not motivated to switch. We've been very pleased with the customer service, the iPhone app is fantastic and uses Touch ID, which goes a long way with me due to my laziness.

    Side note: I just realized the Amazon app also supports Touch ID. It's had it for some time but it got turned on recently on my phone, for some reason. I'm way too excited about it.
    We have the AMEX Cash Rewards Preferred. $75 annual fee but it basically doubles the cash back on the spend. 6% supermarkets, 3% grocery, 1% all else. I ran the #s and the fee was easily covered by the cash back.
    I've had AMEX cards since I first started using credit cards. Only annoying thing is they aren't accepted everywhere. So we carry a BOA debit card for that.
    2016-17
    Bretton Woods 11/23, 4/17
    Cannon 12/3, 4/8
    Ragged Mtn 12/9, 12/16, 12/17, 12/23, 12/24, 12/30, 12/31, 1/2, 1/7, 1/15, 1/21, 1/29, 2/11, 2/18, 3/4, 3/5, 3/19, 3/26, 4/1
    Crotched Mtn 12/21, 1/4, 1/11, 1/18, 1/25, 2/1, 2/8, 2/12, 2/15, 2/22, 3/9, 3/25, 4/2
    Gunstock 12/28
    Wildcat 1/22, 2/10, 4/15, 4/16
    Magic Mtn 1/26, 1/27
    Whaleback 2/19
    Okemo 11/26, 2/25
    Pats Peak 3/1
    Smugglers Notch 3/10
    Stowe 3/11
    Jay Peak 3/12
    Sugarbush (Mt Ellen) 3/13

    2016-2017 Days: 51
    2015-2016 Days: 25
    2014-2015 Days: 36
    2013-2014 Days: 25
    2012-2013 Days: 16
    2011-2012 Days: 25
    2010-2011 Days: 24
    2009-2010 Days: 47

  4. #4
    Edd's Avatar
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    Quote Originally Posted by xwhaler View Post
    We have the AMEX Cash Rewards Preferred. $75 annual fee but it basically doubles the cash back on the spend. 6% supermarkets, 3% grocery, 1% all else. I ran the #s and the fee was easily covered by the cash back.
    I've had AMEX cards since I first started using credit cards. Only annoying thing is they aren't accepted everywhere. So we carry a BOA debit card for that.
    I've considered that card off and on. I should probably switch.

  5. #5
    Edd's Avatar
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    Quote Originally Posted by xwhaler View Post
    We have the AMEX Cash Rewards Preferred. $75 annual fee but it basically doubles the cash back on the spend. 6% supermarkets, 3% grocery, 1% all else. I ran the #s and the fee was easily covered by the cash back.
    I've had AMEX cards since I first started using credit cards. Only annoying thing is they aren't accepted everywhere. So we carry a BOA debit card for that.
    Well, you inspired me. I just called Amex and upgraded my card. They took a look at my spending and said our dining out alone would cover the fee. I asked if they would waive the fee for the first year and they said no.

    I'm with ctenidae on the notion of paying a fee; it drives me a bit nuts but the math is the math.

  6. #6
    Quote Originally Posted by Edd View Post
    Well, you inspired me. I just called Amex and upgraded my card. They took a look at my spending and said our dining out alone would cover the fee. I asked if they would waive the fee for the first year and they said no.

    I'm with ctenidae on the notion of paying a fee; it drives me a bit nuts but the math is the math.
    Exactly, I make up the fee many times over just in grocery spend, never mind gas for commuting between my wife and I.
    2016-17
    Bretton Woods 11/23, 4/17
    Cannon 12/3, 4/8
    Ragged Mtn 12/9, 12/16, 12/17, 12/23, 12/24, 12/30, 12/31, 1/2, 1/7, 1/15, 1/21, 1/29, 2/11, 2/18, 3/4, 3/5, 3/19, 3/26, 4/1
    Crotched Mtn 12/21, 1/4, 1/11, 1/18, 1/25, 2/1, 2/8, 2/12, 2/15, 2/22, 3/9, 3/25, 4/2
    Gunstock 12/28
    Wildcat 1/22, 2/10, 4/15, 4/16
    Magic Mtn 1/26, 1/27
    Whaleback 2/19
    Okemo 11/26, 2/25
    Pats Peak 3/1
    Smugglers Notch 3/10
    Stowe 3/11
    Jay Peak 3/12
    Sugarbush (Mt Ellen) 3/13

    2016-2017 Days: 51
    2015-2016 Days: 25
    2014-2015 Days: 36
    2013-2014 Days: 25
    2012-2013 Days: 16
    2011-2012 Days: 25
    2010-2011 Days: 24
    2009-2010 Days: 47

  7. #7
    Quote Originally Posted by xwhaler View Post
    Exactly, I make up the fee many times over just in grocery spend, never mind gas for commuting between my wife and I.
    You and your wife should move in together and save on gas.

  8. #8
    Chase Marriott Rewards. Only because I travel a lot for work. I'm in too deep towards lifetime Marriott benefits to switch should my work situation change and my rewards preference change.

  9. #9
    Quote Originally Posted by deadheadskier View Post
    Chase Marriott Rewards. Only because I travel a lot for work. I'm in too deep towards lifetime Marriott benefits to switch should my work situation change and my rewards preference change.

    Likewise here. Lifetime Gold looking to hit lifetime platinum in the next couple of years.
    2017/18 Peak Pass
    2017/18 Stratton Mt. Value Pass
    2017/18 Max Pass Add-on

  10. #10
    thetrailboss's Avatar
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    We have an REI and Delta Cards. The REI is with U.S. Bank and they can be at times. Great benefits for buying gear--works out that I pay myself 15% back when I buy something at full retail at REI. The Delta card is an Amex, which limits what we can do, but gets us free bags on flights and good mileage rewards.

    Lately I have turned against the idea of using rewards cards. Mainly because when you have an issue the banks usually are terrible to deal with.

    Case in point: we also have the LL Bean Card. Have been with them now for over ten years. We are going to fire them because the bank, Barclays, has really done a terrible job the last few months with customer service for us. I've complained to LL Bean who, to their credit, has tried to get these assclowns to fix the problem.

    But Barclays is plain stupid. The reason? Over the past few years they have preemptively issued us new cards because of the Target and Home Depot data breaches. The problem? They apparently don't think that they need to actually deactivate or block those old numbers. We had an unauthorized charge made in January and not only did the Barclay's rep insist that I "must have been mistaken" and actually authorized it (we had not) but could not understand why I would actually want those old numbers actually deactivated!

    So Barclays sucks ass. It's sad because we did have a decent deal with LL Bean, but honestly over the past few years their stuff is just been "meh" quality at best.

    Moral of the story is that these "rewards" cards are often not worth the time, hassle, or the cost of having more cards and a lower credit score.
    Last edited by thetrailboss; May 9, 2016 at 8:16 PM.
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