What credit card do you use

[crease]

Since this is SF, and we probably all buy a bunch of stuff online with our credit cards, I was wondering what the credit card landscape of our members looks like. AMEX, Visa, Mastercard, or other -- and why? I'm sure we all have our preferences over cash-back versus travel rewards cards, etc., but why? I'll start: CIBC Visa. But only because AMEX sucks in Canada. I don't particularly like this card, but the aeroplan miles work out well based on my annual spending levels. PS - this thread was inspired by redflagdeals.com (frugal Canadians will appreciate this).

 

[Brad]

Amex. It's not taken everywhere, but my card has a nice rewards structure.

 

[robin]

Chase Freedom Visa card. I get about $500 in cashback annually, and I put mostly everything on it. I need to switch to an air miles card soon though.

 

[Huntsman]

Amex. No problems. No hassles. Ever.

 

[Bradford]

I like my Discover Platinum card.

They were the first to give me a really high credit limit and I can use the cashback bonus to get Brooks Brothers gift cards.

 

[Dewey]

Capital One does not **** on the transactions in foreign currency

 

[crease]

Originally Posted by Bradford

I like my Discover Platinum card.

They were the first to give me a really high credit limit and I can use the cashback bonus to get Brooks Brothers gift cards.

Bradford, you're the first person that I've heard of that has a Discover card (honestly, they are very rare in Canada).



Robin, what's the % cash-back of your card? Is it tiered? Is there an annual fee?

 

[crease]

Originally Posted by Dewey

Capital One does not **** on the transactions in foreign currency

What are the bps on their fx transactions? I usually stay clear of Capitol One and MBNA because of their sleazy marketing tactics.

 

[Brian278]

AmEx Blue Sky and Chase Freedom (cash rewards).

 

[Eason]

Capitol one, there's no charge on international purchases.

 

[edmorel]

I do not have any credit cards, just a debit card.

 

[crease]

Originally Posted by edmorel

I do not have any credit cards, just a debit card.

Is that a joke???

 

[edmorel]

Originally Posted by crease

Is that a joke???

Um, no. Actually two debit cards.

 

[crease]

Originally Posted by edmorel

Um, no. Actually two debit cards.

No credit cards, sir?

Don't get me started on why/how credit cards can be good for you.

 

[edmorel]

Originally Posted by crease

No credit cards, sir?

Don't get me started on why/how credit cards can be good for you.


I've had them, I just have not used one in over 5 years. I do have a store card or two, I just remembered, my wife uses those more than I do. I have available credit and our utilization rate is very low so I don't need to carry around any plastic. I grew up in a cash is king environment.