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Best credit card #7656233
08/23/22 12:27 PM
08/23/22 12:27 PM
Joined: May 2017
Posts: 1,712
NW Mo
M
Michael Lippold Offline OP
trapper
Michael Lippold  Offline OP
trapper
M

Joined: May 2017
Posts: 1,712
NW Mo
Yea I know credit cards are bad, but I pay my balance off monthly and don’t abuse it. I currently have a Cabelas card and have had for close to a decade. Wonder what’s out there that has a good rewards program, I just don’t do much shopping at Cabelas, and the only time I do shop there is to cash in on points

Re: Best credit card [Re: Michael Lippold] #7656240
08/23/22 12:32 PM
08/23/22 12:32 PM
Joined: Feb 2020
Posts: 8,859
Indiana
P
Providence Farm Offline
trapper
Providence Farm  Offline
trapper
P

Joined: Feb 2020
Posts: 8,859
Indiana
I had bad luck with dishonest billing in the past. Like the bill being post marked 3 days after the due date and getting 30$ late fees.

So now I just have one at my local credit union to keep my credit rating high. Care a tank or two of fuel and pay it off. It has some kind of cash rewards but I hav never bothers with it. I think the interest rate is 9.99% but seldom Carry a balance.

But being at my local credit union it's easy for me to watch my accounts.

Last edited by Providence Farm; 08/23/22 12:43 PM.
Re: Best credit card [Re: Michael Lippold] #7656248
08/23/22 12:41 PM
08/23/22 12:41 PM
Joined: Dec 2006
Posts: 2,065
Missouri
M
mississippiposse Offline
trapper
mississippiposse  Offline
trapper
M

Joined: Dec 2006
Posts: 2,065
Missouri
I really like Discover

Re: Best credit card [Re: Michael Lippold] #7656263
08/23/22 01:03 PM
08/23/22 01:03 PM
Joined: Apr 2022
Posts: 3,655
Wisconsin
G
Guss Offline
trapper
Guss  Offline
trapper
G

Joined: Apr 2022
Posts: 3,655
Wisconsin
CC are bad! If I don't have the money in the bank I don't buy.

Re: Best credit card [Re: Guss] #7656266
08/23/22 01:06 PM
08/23/22 01:06 PM
Joined: Aug 2007
Posts: 2,410
Midland, Michigan
Rusty Axe Camp Offline
trapper
Rusty Axe Camp  Offline
trapper

Joined: Aug 2007
Posts: 2,410
Midland, Michigan
Originally Posted by Guss
CC are bad! If I don't have the money in the bank I don't buy.


Good advice, but you need one to do a lot of things. Try renting a car, flight or hotel without one. Plus I like having the security blanket of if stuff goes sideways when I'm away from my local bank or safe, I can fall back on it.

CC aren't bad. Not paying them off in short time is.

I am also looking for the optimum one, like the OP is. Interested to see the replys.




Erik Johnson
Re: Best credit card [Re: Michael Lippold] #7656270
08/23/22 01:08 PM
08/23/22 01:08 PM
Joined: May 2016
Posts: 3,488
Southern Illinois
F
Foxpaw Offline
trapper
Foxpaw  Offline
trapper
F

Joined: May 2016
Posts: 3,488
Southern Illinois
While I despise Chase's heritage, Ive had their card for 34 yrs and have never had any problems. I don't know how long you have to have it to get the perks but I get 5% back on something every quarter. For the 3rd quarter I'm getting 5% off gas anyplace. One quarter I get 5% off at Walmart and grocery stores. The other 2 quarters are for like travel and restaurants and hotels and don't use those that much.

Ruralking was promoting a card for 5% off at Ruaralking then after I got sign-up and in a little while they dropped it to 2%

Re: Best credit card [Re: Michael Lippold] #7656275
08/23/22 01:15 PM
08/23/22 01:15 PM
Joined: Mar 2018
Posts: 469
SW MISSOURI
R
Rockfarmer Offline
trapper
Rockfarmer  Offline
trapper
R

Joined: Mar 2018
Posts: 469
SW MISSOURI
Capital one is pretty good. And if you use there online shopping and rewards your receive 3-8% more back from the retailers. The card itself is 1.5% cash back on everything. Adds up in a hurry.


www.nationwidecartparts.com
3rd Infantry Division
1st Infantry Division
U.S. ARMY
Re: Best credit card [Re: mississippiposse] #7656276
08/23/22 01:19 PM
08/23/22 01:19 PM
Joined: Feb 2008
Posts: 1,384
WI
B
BvrRetriever Offline
trapper
BvrRetriever  Offline
trapper
B

Joined: Feb 2008
Posts: 1,384
WI
Originally Posted by mississippiposse
I really like Discover


X2...have never had an issue with Discover. I pay it off every month. In cases where my number was stolen, they always erase the charges.

I have been contemplating an Amazon card...5% savings on Amazon purchases.

Re: Best credit card [Re: Michael Lippold] #7656277
08/23/22 01:20 PM
08/23/22 01:20 PM
Joined: Aug 2021
Posts: 1,473
Over there.
F
Flicker Shad Offline
trapper
Flicker Shad  Offline
trapper
F

Joined: Aug 2021
Posts: 1,473
Over there.
I like cash rewards better than points.. cash you can use anywhere, points are only good at that particular store. To answer the question. The best credit card is a paid off one.

Re: Best credit card [Re: Michael Lippold] #7656278
08/23/22 01:22 PM
08/23/22 01:22 PM
Joined: Jan 2008
Posts: 9,151
Alaska and Washington State
W
waggler Offline
trapper
waggler  Offline
trapper
W

Joined: Jan 2008
Posts: 9,151
Alaska and Washington State
Alaska Airlines Visa card. The only thing I don't like about it is the bank is Bank of America.
However, it builds up miles very easily, and every year I get a companion ticket for $99 which I use for one of my crewmen. This feature alone saves me about $1200 a year for an expensive flight that I would normally need to book at full fare.
Alaska airlines has a very generous and easy to book mileage system imo.


"My life is better than your vacation"
Re: Best credit card [Re: waggler] #7656280
08/23/22 01:25 PM
08/23/22 01:25 PM
Joined: Mar 2007
Posts: 35,124
McGrath, AK
W
white17 Offline

"General (Mr.Sunshine) Washington"
white17  Offline

"General (Mr.Sunshine) Washington"
W

Joined: Mar 2007
Posts: 35,124
McGrath, AK
Originally Posted by waggler
Alaska Airlines Visa card. The only thing I don't like about it is the bank is Bank of America.
However, it builds up miles very easily, and every year I get a companion ticket for $99 which I use for one of my crewmen. This feature alone saves me about $1200 a year for an expensive flight that I would normally need to book at full fare.
Alaska airlines has a very generous and easy to book mileage system imo.


Same here but Alaska Airline's politics have become untenable for me. I will use a different airline, even if it costs more, whenever I can.


Mean As Nails
Re: Best credit card [Re: Michael Lippold] #7656288
08/23/22 01:37 PM
08/23/22 01:37 PM
Joined: May 2017
Posts: 1,712
NW Mo
M
Michael Lippold Offline OP
trapper
Michael Lippold  Offline OP
trapper
M

Joined: May 2017
Posts: 1,712
NW Mo
Probably a stupid question but on the cash back cards how do you get your cash? Do you just go to an atm?

Re: Best credit card [Re: Michael Lippold] #7656290
08/23/22 01:39 PM
08/23/22 01:39 PM
Joined: Nov 2012
Posts: 148
Interior Alaska
H
Hankit Offline
trapper
Hankit  Offline
trapper
H

Joined: Nov 2012
Posts: 148
Interior Alaska
I also have an Alaska Airlines and between the companion ticket and the 50,000 miles a year I get on it, it saves quite a bit in flying. I just wish Delta airlines had more flight options to and from Alaska so I could switch airlines. Same reasons as white17 and Alaska’s Service keeps getting worse and worse.

Re: Best credit card [Re: Michael Lippold] #7656300
08/23/22 01:56 PM
08/23/22 01:56 PM
Joined: May 2016
Posts: 3,488
Southern Illinois
F
Foxpaw Offline
trapper
Foxpaw  Offline
trapper
F

Joined: May 2016
Posts: 3,488
Southern Illinois
Originally Posted by Michael Lippold
Probably a stupid question but on the cash back cards how do you get your cash? Do you just go to an atm?


They give you a cash option, they will take it off your balance or put it in your bank account. I always just take it off my next balance. Us bank you have to have atleast $20 before you can get it, but the time before you lose it is way out there.
They also have a list of places that you can use points and get it off your purchase.
If in any of them that will send a check to you it takes forever.
I keep one special checking account that I have auto pay that pays all balances on CC, utilities, insurance and such so I don't forget any of them
. I haven't had any late fees or interest in years. And just that one checking account for just that helps me watch it a lot easier to keep track.

Re: Best credit card [Re: Michael Lippold] #7656307
08/23/22 02:06 PM
08/23/22 02:06 PM
Joined: Mar 2009
Posts: 712
Deer lodge, MT
D
Dean Chapel Offline
trapper
Dean Chapel  Offline
trapper
D

Joined: Mar 2009
Posts: 712
Deer lodge, MT
nerdwallet.com

Re: Best credit card [Re: Michael Lippold] #7656308
08/23/22 02:07 PM
08/23/22 02:07 PM
Joined: Dec 2006
Posts: 16,489
Goldsboro, North Carolina
Paul Dobbins Offline
"Trapperman custodian"
Paul Dobbins  Offline
"Trapperman custodian"

Joined: Dec 2006
Posts: 16,489
Goldsboro, North Carolina
I have one that I pay off every month. They pay me around $1,000 a year to use it through the cash back deal. Mine's a PNC visa.



Re: Best credit card [Re: Michael Lippold] #7656315
08/23/22 02:22 PM
08/23/22 02:22 PM
Joined: May 2009
Posts: 15,520
Champaign County, Ohio.
K
KeithC Offline
trapper
KeithC  Offline
trapper
K

Joined: May 2009
Posts: 15,520
Champaign County, Ohio.
I have 2 Capitol One cards, 1 Chase card and 1 Discover card. They give me 2% to 5% cash back depending on what I am buying, from where and what the current deal is. I usually get around $100.00 back a month. I have not paid a credit card company any interest for over 20 years.

Credit card companies hope to get you to build up a large balance and then have you pay interest forever. Don't let them do it.

Around 20% of my junk mail is credit card offers.

Keith

Re: Best credit card [Re: Michael Lippold] #7656316
08/23/22 02:23 PM
08/23/22 02:23 PM
Joined: Oct 2020
Posts: 1,099
KY
I
ILcooner Offline
trapper
ILcooner  Offline
trapper
I

Joined: Oct 2020
Posts: 1,099
KY
Cap one quicksilver is a great one. here is some ratings at nerd wallet

https://www.nerdwallet.com

Re: Best credit card [Re: Michael Lippold] #7656317
08/23/22 02:24 PM
08/23/22 02:24 PM
Joined: Oct 2020
Posts: 1,099
KY
I
ILcooner Offline
trapper
ILcooner  Offline
trapper
I

Joined: Oct 2020
Posts: 1,099
KY
chase freedom is another good one

Re: Best credit card [Re: Hankit] #7656319
08/23/22 02:25 PM
08/23/22 02:25 PM
Joined: Jan 2008
Posts: 9,151
Alaska and Washington State
W
waggler Offline
trapper
waggler  Offline
trapper
W

Joined: Jan 2008
Posts: 9,151
Alaska and Washington State
Originally Posted by Hankit
I also have an Alaska Airlines and between the companion ticket and the 50,000 miles a year I get on it, it saves quite a bit in flying. I just wish Delta airlines had more flight options to and from Alaska so I could switch airlines. Same reasons as white17 and Alaska’s Service keeps getting worse and worse.

I sure do agree with that sentiment, I can't figure out what is going on with them, up until fairly recently they were the best. I still can't find any other airline that comes even close to what I need though.


"My life is better than your vacation"
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