Credit cards with good rewards?

[Fletch Helical]

So I just found out that I'll be using a credit card shortly to per pay any prescriptions and get reimbursed later from our health care provider. I'm wondering if you guys know of any good companies that accumulate any good points or whatever for people who enjoy what we do. I have a Cabela's card but I have so much stuff for hunting/archery it's almost obscene.

I know Woodworkers supply (or warehouse) has/had a similar plan where you get "x" amount of points for every dollar you spend and can use it as cash for anything from them.

Anyone know of anyplace that we may deal with that would be helpful for knife makers?

 

[Larry D. Davis]

I get about $600.00 a year back in cash using my Chase Buisness card. It's truly "free" money.

 

[Los Angeles]

I like the Citibank American Airlines cards (as long as the interest rate is agreeable).

Purchases get you miles, miles get you free plane tickets, free plane tickets get you to Hawaii.

 

[1066vik]

I have a chase card that gives "cash" rewards monthly - in the form of a credit on my bill.

 

[JCaswell]

Chase stinks!!:thumbdn::thumbdn::thumbdn::grumpy:

Just today I opened a piece of mail from them informing me they're raising my interest rate because of a 60-day overdue situation.
This was news to me. We almost NEVER use this card and we always pay it off right away with each bill.

So I call them up and find out they closed the account, "wrote off" the $7 principle and $60 in late fees and reported it to the credit bureau--which is a major credit score killer regardless of the amount!

Turns out when my wife payed once online, we were switched to paperless billing (which was NEVER intended), and these email bills and notices were apparently getting snagged in the yahoo spam filter (go figure, email from bank about credit cards---probably spam).

No help from Chase. Only snarky condescension. They NEVER sent a single notice by mail. No overdue, no check on whether the email is correct or anything, no final notices, no nothing. Just this bizarre notice in the mail of interest increase on a closed account. I asked about this and they said they sent it because the law makes them inform by mail of interest rate increases. ---but they don't bother to send overdue notices and final notice threats by mail on the very likely chance that something is not right with the email, before wrecking your credit over $7!

I don't know if Chase is worse than some of the other crooked outfits out there, but beware!

 

[David Sharp]

Wells allows me to earns points on my business card as well as debit cards with no annual fee. The points can be redeemed in cash or gift cards amongst other nonsense. In the course of a year I get between 450-600 back.

 

[Larry D. Davis]

Chase stinks!!:thumbdn::thumbdn::thumbdn::grumpy:

Just today I opened a piece of mail from them informing me they're raising my interest rate because of a 60-day overdue situation.
This was news to me. We almost NEVER use this card and we always pay it off right away with each bill.

So I call them up and find out they closed the account, "wrote off" the $7 principle and $60 in late fees and reported it to the credit bureau--which is a major credit score killer regardless of the amount!

Turns out when my wife payed once online, we were switched to paperless billing (which was NEVER intended), and these email bills and notices were apparently getting snagged in the yahoo spam filter (go figure, email from bank about credit cards---probably spam).

No help from Chase. Only snarky condescension. They NEVER sent a single notice by mail. No overdue, no check on whether the email is correct or anything, no final notices, no nothing. Just this bizarre notice in the mail of interest increase on a closed account. I asked about this and they said they sent it because the law makes them inform by mail of interest rate increases. ---but they don't bother to send overdue notices and final notice threats by mail on the very likely chance that something is not right with the email, before wrecking your credit over $7!

I don't know if Chase is worse than some of the other crooked outfits out there, but beware!

That and early detection of fraud use is EXACTLY why I keep control over my accounts by frequently checking them and not relying on others to do my accounting reconciliations. I frequently check the junk mail folder to find emails mis-directed there. It may seem novel, but I take responsibility for knowing what's on my bank and card accounts without relying on the bank to do it for me.

 

[AcridSaint]

As far as I know, Discover More card is the best rate still going. There were some very good rewards cards going out before the "crisis", but now they have either slashed their rates or are not giving out new cards. Discover is 1% cashback on every purchase, 5% cashback on select rotating categories and 5-20% cashback when you make purchases through the Discover website with their partner retailers. They also give better bonuses for using your points with those retailers.

I don't know about the interest rate because I don't float it, but the points add up.

 

[JCaswell]

That and early detection of fraud use is EXACTLY why I keep control over my accounts by frequently checking them and not relying on others to do my accounting reconciliations. I frequently check the junk mail folder to find emails mis-directed there. It may seem novel, but I take responsibility for knowing what's on my bank and card accounts without relying on the bank to do it for me.

That's great as long as you're fully aware they're going paperless on you. With a card you almost never use, you rarely get a statement anyway. So if it goes paperless and you don't know it/didn't intend for it to do so, you'd never know to check the spam folder for legit bank statements.

They said they automatically send a backup statement by mail if they get emails bounded back. It seems like a very small bit of deference to the customer to do the same for at least ONE of the many overdue notices/threat letters they send before wrecking your credit on the very real chance their institutional emails are getting gobbled by filters, the customers email service changed filter setting that now take out their emails, the customer changed computers to one with different email settings not realizing these statements would be seen as spam, their clerk starts sending your statements to a similar, but wrong account---you name it.
But nothing.
I still wouldn't know about any of this if it wasn't for that interest-rate letter they HAD to mail according to law.
Their view is, "Well we sent the emails, it's your fault."
That's complete BS. Any company worth doing business with should take at least some interest and be willing to do more than the absolute bare minimum required by law (which is essentially nothing) to prevent honest misdirection within their systems and have some minimal consideration for their customer's interests. Instead it's like a game. "Well, you didn't read line 65a on the third page of the opt-out disclosure we sent six months ago. It's your fault, screw you."

This thread is about credit card benefits and all--
I say be sure to get one with a company that doesn't institutionally treat its honest, paying customers with disdain and indifference. Avoid Chase is my advice.