View Full Version : Best CC for reward points

12-19-2011, 04:38 PM
I'm looking at starting a new job that would require me getting a credit card for an expense account. I have talked to a few of the employees who take fully advantage of the incentive points. I have been trying to figure out which card would may offer the best "warrior benefits" Does anyone have any suggestions?

12-19-2011, 06:06 PM
My first thought is tell the company to give you a card, I have never been fond of putting up my own capital taking risk of not being paid or being paid slowly with no overhead charged to the person I am working for.

That might not be an option for you though so I will say I use a Cabela's card for personal stuff and a Wells Fargo reward credit card for business, the Wells Fargo one builds points that can be put toward ANY approved airline as well as a bunch of other stuff, that was what sold me.

12-19-2011, 06:39 PM
I personally use Discover and Cabelas CCs.

12-19-2011, 09:07 PM
Okay, Cabelas is a good suggestion... I would probably do Bass Pro since we have one local. I have seen cash back and travel points. I wondered what other rewards were out there- fuel or other things?

12-19-2011, 09:58 PM
If you travel alot, go for something with solid FF miles rewards. Buy currency (coins) from the US Mint, deposit it, and use it to pay off the balance before it accrues interest, and you can rack up free trip after free trip.

If not, go with a solid cash back program, and do the same thing.

12-20-2011, 12:00 AM
Gabe...how about a OST card?!?!

Snake-eater 1
12-20-2011, 06:32 AM
I use a Barclay's Choice Motels Visa card. Every purchase gets me points for a free motel stay at any in the Choice Motels group. I use these in the summer for traveling to gun tournaments. Airlines miles do me no good, don't do air travel much anymore, neither do I buy much from Bass Pro nor Cabela's. The motel points is the best plan for my needs.

12-20-2011, 07:10 AM
Dicover Escape is a good choice.
No annual fee, earns a good ratio of points to dollars spent that are easy to redeem or apply towards travel.

Kansas Volunteer
12-20-2011, 11:04 AM
I've always understood there ain't no such thing as a free lunch. All those credit card points get paid for somehow. I'd select a card on some other basis.

12-20-2011, 01:08 PM
I've always understood there ain't no such thing as a free lunch. All those credit card points get paid for somehow. I'd select a card on some other basis.

For most that is probably true. But, if you are like me, I pay off my balance each month. I could care less what the interest is. So eliminating that factor, I want a card that will give me something. I am going to use one anyway, so why not get something back? I used to have a cash back card, but now most of those limit to $300 a year back at most (I think Discover might be $500). That might work for some, but I was going over without the reward. So at the time, a couple years ago, I decided to go with an airline card. I do a bit of traveling and it has come in handy. I have a Citi Cards American Airline one. It has worked pretty well. However, I've been meaning to look and see if there is something better now.

12-21-2011, 06:00 AM
For most that is probably true. But, if you are like me, I pay off my balance each month. I could care less what the interest is. So eliminating that factor, I want a card that will give me something.

Ditto. I've never run a balance on my card. I'd do it in an emergency if I had to, but I've never had to. Like many/most Alaskans, I have the Alaska Airlines card that gives mileage for each dollar spent. I don't even like to travel; I hate it, in fact. But it's nice knowing that the once or twice a year I have to fly somewhere, I almost always have enough accumulated mileage to cover the ticket, basically free. Just for buying stuff that I would have bought anyway.

About 15 years ago, my dad built almost his entire house on his. He paid extra to where he actually had a significant positive balance on his card, so that he wouldn't have to worry about the credit limit for ordering stuff like all the lumber, insulation, etc. For the next few years, he and my stepmom got to travel a bunch and never had to pay for a ticket.

12-21-2011, 09:10 PM
To each their own.

I've had airline and sporting goods store cards for years; I've ended up with a few flights and hotel stays covered by the earned points.

My primary card over the last few years has been a Discover. They have revolving quarterly deals where certain categories of 5% cash back for the first $400 charged. Traveling for work, incurring costs and then expensing out, I find the quarters where I am getting an extra $20 on fuel or resturants to be a nice bonus. Discover cards aren't taken everywhere, so I always have a Visa or MC as well.

I also pay off the balance monthly. The credit card companies get the 2-5% transaction fees, but nothing more from me.

R4 fan
12-21-2011, 11:09 PM
I use a Cabela's credit card. As long as you pay it off and aren't paying interest, you are ahead of the game. I used it to purchase a new woodstove/installation last year, and the business I went to told me that when I get a percentage back from my card, they actually get charged or pay for it.

Cabela's always offers either free shipping or a percentage off your order. I use it mostly to get free ammo. I just got 6 boxes of SSA (Silver State Armory) 5.56 OTM the other day. Even if I don't let the cash build up, I buy ammo when it's on sale and they offer free shipping for orders over $150. So I buy $150 worth of ammo to get the free shipping, and add whatever Cabela's cash I have saved up. So I end up getting free ammo, or pay a substantially cheaper price for it. And when you use your Cabela's credit card to buy from them, you get more money back.

Another reason is that it is easy to use and to pay off. Cabela's has an online credit card account, where you can pay and have it removed from your bank account. So I only use the card to get the free cash. I use the card for gas, food, any large purchases, then deposit the money in the bank. Then I just send an online payment, get the free money and buy ammo.

You'd be suprised how much free ammo you can get just from using the card for grocery shopping and gas, which you have to buy anyway.

12-21-2011, 11:19 PM
+1 to Discover and Cabela's $50 for $40 gift cards.

12-22-2011, 08:44 AM
I use two different cards. I put everything expect mortgage on my CC. I pay my card off every month. Why not get rewards if you are going to spend the money anyway.

I have an American Express Premium Blue card. It pays 6% cash back on groceries, 3% on gas and department stores, and 1% on everything else. It does have a $75 dollar yearly fee, but if you drive like most Americans it pays for itself with and gives you quite a bit of cash back. If you don't want to pay the $75 you can get the American Express Blue which goes 3%, 2%, and 1%. I did the math and the $75 as a single man was more profitable than the regular blue card. Getting married with a wife who uses the grocery store and drives a Tahoe was a no brainer. No limit on cash back.

I only use the Amex for gas and groceries. My soon to be wife will break in the department stores.

I have a new Capital One Cash Reward card. It pays 1% cash back on everything, and gives me 50% of all reward cash I earn at the end of every year which works out to 1.5%. No limit on cash back.

I want cash back, and these are the best cash back cards out there.

My college roommate loves the Amex Delta card, but I did the math, I'm better getting cash back and using it as I want.

Hope this helps


12-22-2011, 01:49 PM
This is good advice, keep it coming!

12-22-2011, 07:18 PM
If you drive much it might make sense to check out the Penfed cash rewards card. 5% back on gas; 1% back on everything else. Credited to your statement every month. No silly points to manage, blackout periods, etc.