any recommendations for a good card that I would primarily use for Gas?
Have a long commute. Preferably no fee.
Thanks!
Have a long commute. Preferably no fee.
Thanks!
Credit Cards
- Thread starter AgronAlum
- Start date
The Citi Custom Cash is the highest cash back % I've seen. It's 5% for the category you spend the most, so you could get 5% back on gas if you use it only (or even mostly) for gas.
Just a heads up, this card does have a monthly cap of $500 dollars for the 5% category. I don't know how much @Primetime26 spends on gas in a month but if it's more than $500 you may want to look at something else.
A billing cycle is ~1 month. Unless you spend $1000 a month on gas, I would choose the Citi card. The runner up being the Amex Blue Cash Preferred Card. Amex if you want a really good grocery card that is comparable in gas if you spend >$700+ month on gas
Example:
$500 @ 5% is $25, $200 additional at 1% is $2 for $27 total
$700 @ 3% is $21. Plus 6% rewards on groceries (Up to $6K annually)
So for a gas only card, getting 5% seems pretty good. Plus it looks like Citi is offering a $200 cash back incentive to sign up right now. You just have to spend $1500 across the first 6 months.
Example:
$500 @ 5% is $25, $200 additional at 1% is $2 for $27 total
$700 @ 3% is $21. Plus 6% rewards on groceries (Up to $6K annually)
So for a gas only card, getting 5% seems pretty good. Plus it looks like Citi is offering a $200 cash back incentive to sign up right now. You just have to spend $1500 across the first 6 months.
I just returned from Alaska and had a notice in the mail that my Alaska Airlines CC is increasing the annual fee from $65? to $95. The main reason I got the card was for the trip I just got back from (it saved me over $1000 with the introductory offer/baggage fees). Now seems like a good time to drop it.
I will be getting a mortgage next year so I don't want to negatively effect my credit score which is excellent right now. I have two other cards and don't carry a balance.
Anything I should think about? Should I just pay $95 until the mortgage is secured or opt out?
I will be getting a mortgage next year so I don't want to negatively effect my credit score which is excellent right now. I have two other cards and don't carry a balance.
Anything I should think about? Should I just pay $95 until the mortgage is secured or opt out?
Try to stack them also. If you get a CC that gives 5%, then use that at a Caseys and use their rewards that is like 2-3 cents back in their rewards.
I've never used a credit card, never borrowed money and therefor have no credit history other than bill paying. It hasn't impacted me in the least that I can tell. I pay cash for everything. If I don't have enough cash, then I wait until I do. I know, I'm odd.
This seems impossible to me. How do you buy airline tickets, rent a car, or book a hotel room? I mean good for you, but it's not for me.
Good info here.
I just want to say I'm impressed that this thread has gone 6 pages without someone peddling a referral link
I just want to say I'm impressed that this thread has gone 6 pages without someone peddling a referral link
It’s also costing them a ton of money both short term and long term but I get that some people have had a real aversion to cc imprinted on them
I don't buy airline tickets, but you can always use cash or at least you could the two times I did buy airline tickets back in the 70s. I've also rented cars without a credit card, but again, back in the 70s. I just stayed in a hotel this spring/early summer when a storm knocked out my electricity for four days. I had no problem using a debit card. I know some hotels won't accept a debit card for a deposit. I also know some car rental places won't accept a debit card for the same reason. I lead a pretty simple life and don't use them a lot anyway.
I've had a Navy Federal rewards Visa card for 30 years. No idea what my interest rate is, but I get around $500 a year cash back. Credit cards are a horrible idea in general, but so are hookers and blow, so it's the lesser of two evils for me. I'm sure I've been super helpful. LOL
We have the debit version of this. You get the 5% with no separate bill to pay. It just pulls from the checking account. If you’re a target shopper, there is zero reason to skip out on getting one of these.