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Old 12-17-2017, 01:20 PM   #1
trophy8
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Default What credit card do you use?

Don't have too many people to ask about this so figured I'd post here. I hate credit cards. I try to pay cash for everything. Only owe on the house and a car. However, I want my credit score to hit 800 by the time I'm 30 and I'm close lol. Need longer account history. I pay everything off in 1 year or less usually. I want a cash back type deal and prefer 0% for a period. And easy to pay. Won't use it much. Looking at the chase freedom unlimited since I have an account there.
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Old 12-17-2017, 01:32 PM   #2
bphillips
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We use Chase Sapphire Reserve and really like it. 3x on travel and dining and some really good rewards if you use “shop through chase” when you need to make online purchases. Has a high fee of $450 but $300 of travel expenses are reimbursed each year. It’s great if you can benefit from its perks
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Old 12-17-2017, 01:42 PM   #3
lwelch70
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Chase Sapphire Reserve for regular purchases and a Chase Freedom for when the purchase falls into the 5x points category. Chase ultimate rewards is the best I've seen since you can do 1:1 transfers to their travel partners. IHG, Southwest, etc.

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Old 12-17-2017, 01:55 PM   #4
Maddox
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Fidelity 2% cash back - no minimum
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Old 12-17-2017, 01:57 PM   #5
EliteDriver
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Cabela's....pay it off every month and earn Cabela's $$$
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Old 12-17-2017, 01:57 PM   #6
TxAg
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Chase is good. Their user interface online is easy to use. 1.5% cash back on everything is pretty standard. Use it to pay your bills and pay it off every month...don’t carry a balance and you don’t have to worry about interest rates.
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Old 12-17-2017, 02:00 PM   #7
Buckley99
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Amazon Prime VISA (Chase)
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Old 12-17-2017, 02:17 PM   #8
Dspivey
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Chase Sapphire and don’t carry a balance.
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Old 12-17-2017, 02:19 PM   #9
eastxhunter
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Sapphire
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Old 12-17-2017, 02:21 PM   #10
Tbone3636
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Amex get up to 6% on some things


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Old 12-17-2017, 02:22 PM   #11
LAW
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Cabelas
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Old 12-17-2017, 02:36 PM   #12
huntingarcher
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Cabelas
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Old 12-17-2017, 02:40 PM   #13
lmartin5
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Marriott Rewards Visa


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Old 12-17-2017, 02:40 PM   #14
trophy8
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My deal with cabelas is I can only use it there. I've gotten to a point where I have pretty much all the gear I want. Chase will be cash back. And there's no fee. That's the big kicker there. No fee!! Lol
I won't carry a balance unless I get a big cash back promo with money back. Like their offer for $150 back if you spend $500 in 3 months. I'd pay my utilities, cable, and something else and get that in a month and a half.
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Old 12-17-2017, 02:44 PM   #15
White Falcon
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VISA (Chase) and Discover. Try to pay everything off that month. Both have good theft protection.
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Old 12-17-2017, 02:49 PM   #16
TXhoghunter94
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Amazon chase visa is 5% back for everything on amazon, 2% back on food and gas (I think) and 1% back on everything else. No annual fee, the rates are crazy but I've always paid it off every month. I also have an Amex but it's $175 a year and similar to the visa.

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Old 12-17-2017, 03:03 PM   #17
cantexduck
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I use cabelas. Only try to put work expenses on it and pay off every month. There are better cards but i like to rat hole my points. Just got bumped up to black card. Wish I would of picked a cash back card to be honest but now I am working on points for a new gun. I buy very little From Cabela’s to begin with.
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Old 12-17-2017, 03:03 PM   #18
justin81
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cabelas
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Old 12-17-2017, 03:18 PM   #19
BigL
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Citi 2% cash back card.
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Old 12-17-2017, 03:33 PM   #20
Leemo
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Am Ex Gold Open
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Old 12-17-2017, 03:42 PM   #21
texashunter56
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Cabelas since 2000.
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Old 12-17-2017, 03:52 PM   #22
Ryanm
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Quote:
Originally Posted by Maddox View Post
Fidelity 2% cash back - no minimum
X2
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Old 12-17-2017, 04:50 PM   #23
Xrod
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My wife's.
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Old 12-17-2017, 05:00 PM   #24
Black Ice
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Default What credit card do you use?

Quote:
Originally Posted by cantexduck View Post
I use cabelas. Only try to put work expenses on it and pay off every month. There are better cards but i like to rat hole my points. Just got bumped up to black card. Wish I would of picked a cash back card to be honest but now I am working on points for a new gun. I buy very little From Cabela’s to begin with.


Reminds me Cabela’s needs to send me my black card! 5% back at Cabela’s with it and it’s nice to be able to see the rewards stack up.


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Old 12-17-2017, 05:04 PM   #25
thegrouse
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2% cash back card with no annual fee will be best for most folks. I have that AMEX platinum and the Chase Sapphire but I use the perks. If I only had one it would be the 2% cash back without the foreign transaction fee or annual fee. If you bank at USAA and have direct deposit you can get the 2.5% unlimited cash back card. I had that card before USAA and I got divorced.
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Old 12-17-2017, 05:10 PM   #26
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Quote:
Originally Posted by EliteDriver View Post
Cabela's....pay it off every month and earn Cabela's $$$
This.
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Old 12-17-2017, 05:14 PM   #27
cricman
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Disco-No Bal. Use rewards on gift cards.


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Old 12-17-2017, 05:30 PM   #28
RascalArms
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Southwest Rewards
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Old 12-17-2017, 06:29 PM   #29
Hunterdan
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Amex
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Old 12-17-2017, 06:43 PM   #30
Fishxbones
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Usaa amex and chase sapphire
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Old 12-17-2017, 06:44 PM   #31
TxAg
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Cabela’s isn’t cheap. I can always find stuff cheaper...and often better equipment. I’d rather have the cash and spend it how I see fit. If Cabela’s turns out to have what I need at the right price, no biggie since money is fungible.
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Old 12-17-2017, 06:46 PM   #32
mad34b
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Capital One Venture card. 2x miles for every dollar spent.
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Old 12-17-2017, 06:49 PM   #33
NBK75
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None
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Old 12-17-2017, 07:37 PM   #34
KingRanchKiller
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Chase Freedom Unlimited. 1.5% cash back on everything, no annual fee, 0% APR for the first 15 months. I’m the same as you, I pay cash for everything, but I needed to build up my credit. I use the card for big purchases like gun/truck parts and then jewelry for my wife so she’s not mad about those purchases. Pay it off every month and rack up the cash back.
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Old 12-17-2017, 07:56 PM   #35
Black Ice
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Quote:
Originally Posted by TxAg View Post
Cabela’s isn’t cheap. I can always find stuff cheaper...and often better equipment. I’d rather have the cash and spend it how I see fit. If Cabela’s turns out to have what I need at the right price, no biggie since money is fungible.


I find that buying big purchases from Cabela’s online is pretty comparable to other places. I also wait for a 10% off purchase to big big ticket items. This week I was looking at a NF ATACR for $3000 with 10% off and free shipping. The tax was also 5% vs the 10% I would pay locally. Add onto that 5% back on the Cabela’s card and it beats would I could buy it for on the big optics websites.


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Old 12-17-2017, 08:38 PM   #36
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I’ve got a Discover Card (don’t remeber which one) that I’ve had since I turned 18. After I got out of high school i decided I wanted a new truck but nobody would finance me because of no credit, and I was determined to not have a co-signer. Got one of theirs and used it sparingly and within a year my credit score was 725+ and I was able to get myself a new ride and I never got rid of it. I typically use it for a couple tanks of diesel a month and then pay it off. 5 years later and I’m on my way to an 800 score!!
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Old 12-17-2017, 08:41 PM   #37
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The Citi 2% card is hard to beat. No annual fee and 2% cash back on everything purchased.
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Old 12-17-2017, 09:20 PM   #38
bphillips
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Quote:
Originally Posted by NBK75 View Post
None
Why
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Old 12-17-2017, 09:29 PM   #39
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Quote:
Originally Posted by EliteDriver View Post
Cabela's....pay it off every month and earn Cabela's $$$
^ This
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Old 12-17-2017, 09:33 PM   #40
NBK75
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Quote:
Originally Posted by bphillips View Post
Why
Because we pay cash for everything no need to pay a interest rate. Live within your means is what we live by.
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Old 12-17-2017, 09:44 PM   #41
Black Ice
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Default What credit card do you use?

Quote:
Originally Posted by NBK75 View Post
Because we pay cash for everything no need to pay a interest rate. Live within your means is what we live by.


Congrats on giving away at least 1% on everything you pay cash for.


You a Dave Ramsey guy?


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Old 12-17-2017, 09:44 PM   #42
41Chevy
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Cabelas, it gets me a new toy every Christmas.
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Old 12-17-2017, 09:49 PM   #43
Felix40
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I have an rei mastercard. I get 1% on everything and 5% back on rei purchases. They had a promo where they were giving away a $150 gift card if you used your card so much the first month so I opened an account.

I have a discover card for my wife that gets 5% back on gas and 1% on everything else.
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Old 12-17-2017, 09:50 PM   #44
thegrouse
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Quote:
Originally Posted by NBK75 View Post
Because we pay cash for everything no need to pay a interest rate. Live within your means is what we live by.
There is no interest if paid in full every month. You can easily earn 2% cash back on every purchase that doesn't offer you a cash discount. You get purchase protection with a credit card.
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Old 12-17-2017, 09:58 PM   #45
rvd
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m
Quote:
Originally Posted by NBK75 View Post
Because we pay cash for everything no need to pay a interest rate. Live within your means is what we live by.
Great way to live but doesn't mean you can't take advantage of the benefits of using a credit card.
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Old 12-17-2017, 10:00 PM   #46
J-DUB
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Chase and AMEX
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Old 12-17-2017, 10:05 PM   #47
ALJ05
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Chase Sapphire.
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Old 12-17-2017, 10:23 PM   #48
Ryanm
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If you're going to only have one card, do not choose American Express.. I used to have one and found once a week or so, I'd run into a place that didn't except it. Visa or MasterCard is the way to go.. other than that it's just a points game.

I like the Fidelity card because I don't have to think about it, just 2% all the time. I put everything I can on it, much of it is work expenses. Year to date I have deposited over $500 of rewards into my investment/retirement account. Compile this over 30 years and it should help me retire earlier than without it.
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Old 12-17-2017, 10:58 PM   #49
NBK75
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Dave Ramsey ... why pay 4% to earn 2% ....
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Old 12-17-2017, 10:59 PM   #50
thegrouse
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Quote:
Originally Posted by NBK75 View Post
Dave Ramsey ... why pay 4% to earn 2% ....
Who is paying 4%? HEB will not give me a discount on groceries paying with cash. I earn 2% back on that and do not pay interest.
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