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What credit card do you use

Discussion in 'General Chat' started by crease, Aug 15, 2008.

  1. crease

    crease Well-Known Member

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    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).
     
  2. Brad

    Brad Senior member

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

    robin Senior member

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    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.
     
  4. Huntsman

    Huntsman Senior member

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    Amex. No problems. No hassles. Ever.
     
  5. Bradford

    Bradford Senior member

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    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. [​IMG]
     
  6. Dewey

    Dewey Senior member

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    Capital One does not rape on the transactions in foreign currency
     
  7. crease

    crease Well-Known Member

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    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. [​IMG]


    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?
     
  8. crease

    crease Well-Known Member

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    Capital One does not rape 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.
     
  9. Brian278

    Brian278 Senior member

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    AmEx Blue Sky and Chase Freedom (cash rewards).
     
  10. Eason

    Eason Senior member

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

    edmorel Senior member Dubiously Honored

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

    crease Well-Known Member

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

    Is that a joke???
     
  13. edmorel

    edmorel Senior member Dubiously Honored

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    Is that a joke???

    Um, no. Actually two debit cards.
     
  14. crease

    crease Well-Known Member

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    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.
     
  15. edmorel

    edmorel Senior member Dubiously Honored

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    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.
     
  16. crease

    crease Well-Known Member

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    I've had them, I just have not used one in over 5 years. t.

    I won't pull a "holier than though, why don't you use a credit card" on you but, honestly, why not? You get free points out of your spending!
     
  17. edmorel

    edmorel Senior member Dubiously Honored

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    I won't pull a "holier than though, why don't you use a credit card" on you but, honestly, why not? You get free points out of your spending!

    I get 1% and 2% cash back on the debits, better than points for me.
     
  18. robin

    robin Senior member

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    Robin, what's the % cash-back of your card? Is it tiered? Is there an annual fee?
    The cashback varies on the purchase, and the store. No annual fee. It's like 2-3% for most food related transactions, 1% for common retail store purchases/bill payments that are not under their cashback system, and anywhere from 3% - 12% cashback if I go through their affiliate system to buy stuff online (Apple, Amazon, Zappos, STP, J.Crew, Ralph Lauren, Brooks Brothers to name a few - there are probably hundreds of others).
     
  19. crease

    crease Well-Known Member

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  20. bearlydavid

    bearlydavid Senior member

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    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.

    You say cash is king, but you use a debit card... Well isn't cash king?
     

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