Best CCs for rewards?

[mrsmuq]

Looking for some recommendations/insight for the best credit cards for rewards? We pay ours off in full at the end of each month. Most of our expenses are for the mundane - clothing, gas, groceries, gifts at Xmas, and vacations. We don't fly for vacations, so CCs with miles as rewards aren't very helpful.

What would y'all recommend?

[lo95]

When we were paying for fertility treatments, I think someone mentioned a Chase card... In hindsight, we absolutely SHOULD have gotten that because we are like you and pay our balance off in full every month. But I didn't think about it until after I had written a check.

[luvboston]

My two favorite cards are chase freedom and Amex Blue Preferred.
I get 6% back on groceries on Amex. They also do extra offers every month for additional money off on different things.
Chase Freedom you get a couple different 5% things back each month and then always 1%.

[brachysira]

Yeah, I have Chase Freedom. I got a deal for come initial cash back reward as an incentive to open the card, and then %1 on everything. You have to sign up 4x/year to get the other cash back deals, which include Amazon in the winter, gas in the summer, groceries, and something like movies and restaurants.

I have a Discover with the same deal but I like their web interface a bit better. They occasionally differ from Chase for the 5% timing, so I keep track and use whichever card is offering the 5% for what I am buying. There might be a Discover with 2% cash back on everything.

Both have small ways to get "more cashback" by buying gift cards. If you're the kind of person who orders Omaha Steaks or something, it seems like there are big discounts. You can get like a $50 gap card for $45 cash back, so I guess that's a bit of a deal if you can keep track of your gift cards and make sure you use them up. Otherwise, you can just get cash or they have ways to apply your cash to an amazon purchase or something.

Neither has any fees if you pay on time.

[younglove316]

Do these cards have annual fees to have them? I know one of the airline cards I was looking at did so I opted not to do it because I didn't know it it would be worth it.

[brachysira]

No fees for the 2 I suggested.

[lo95]

I'd be interested in looking into one of them if we weren't looking to buy a new house within the year. Don't want a new card on my credit score.

[luvboston]

Chase freedom doesn't and Amex blue regular has no fee but we have the Amex blue preferred because we get more cash back and the card pays for itself it's $75 a year. We get like 700 back a year or more

Also I forgot about the 3% back on gas for Amex blue preferred and 2% Amex blue reg

[mrsmuq]

Mar 19, 2016 15:47:07 GMT -5 luvboston said:

Chase freedom doesn't and Amex blue regular has no fee but we have the Amex blue preferred because we get more cash back and the card pays for itself it's $75 a year. We get like 700 back a year or more

Also I forgot about the 3% back on gas for Amex blue preferred and 2% Amex blue reg

I already have Chase Freedom, but I think we're going to move to the AMEX Blue Preferred for our regular CC purchases and cancel our Citi card.

[seamonster]

I had the Chase Freedom and liked it. I have the Chase Sapphire now and it's the best rewards program I've been in and worth the fee for me. If you fly a lot or need to fly to visit family, the Southwest card is great for raking up points.