Best cash back, miles or rewards credit card?

[Coronita]

[quote=UCGal][quote=flu]I’ll repeat the question again. Where are people getting 2.5% rebates?????[/quote]

The costco amex gives 3% back on gas purchases, 2% on travel, and 1% on everything else. If you’re a costco shopper you can combine it with executive club membership and get 2% back on costco purchases from exec membership and another 1% from the amex card (assuming you pay with amex.) And if you buy gas at costco, pay with the costco amex, and have an executive membership – the combined rewards is 6%… Makes the already cheap gas even cheaper.[/quote]

I know. I have costco cashback and a citicard dividend rewards which does the 1/2/3% thing. But I was curious which card is giving 2.5% for everything (unless the 2.5% is an average)… I don’t get anywhere close to 2.5% because I rarely eat out 🙁

[an]

[quote=flu][quote=UCGal][quote=flu]I’ll repeat the question again. Where are people getting 2.5% rebates?????[/quote]

The costco amex gives 3% back on gas purchases, 2% on travel, and 1% on everything else. If you’re a costco shopper you can combine it with executive club membership and get 2% back on costco purchases from exec membership and another 1% from the amex card (assuming you pay with amex.) And if you buy gas at costco, pay with the costco amex, and have an executive membership – the combined rewards is 6%… Makes the already cheap gas even cheaper.[/quote]

I know. I have costco cashback and a citicard dividend rewards which does the 1/2/3% thing. But I was curious which card is giving 2.5% for everything (unless the 2.5% is an average)… I don’t get anywhere close to 2.5% because I rarely eat out :([/quote]
Do you travel flu? As I’ve mentioned above, I’ve been getting 3%+ with my AMEX Starwood card. But that’s because I travel at least once a year and I like Starwood’s portfolio of hotels.

Here’s one example of the kind of return cash and points can do for you. I priced out a Hotel in Time Square NYC. If you stay at “The Manhattan at Times Square Hotel” http://www.themanhattanattimessquarehotel.com/ between December 27th and December 31st, a basic room would cost you between $364-384/night (depending on if you get the king bed or 2 doubles). The total cost for you would be $1456 before tax. If you do it w/ cash and points, it’s $60 + 4000 points per night. So that same trip would cost you $240 + 16000 points. So, that 16000 points saved you $1216 (I haven’t even counted in the tax, which would increase the saving much more since you’re being taxed on $240 vs $1456). So, in this case, the return would be at least 7.6% (slightly more when you count in taxes). This also haven’t taken into consideration that if you spend $30k/yr on your credit card, you’re automatically upgraded to Gold member with Starwood, which mean you’ll get upgraded rooms (higher floors and rooms w/ a view), late check out, early check in.

[an]

[quote=flu][quote=UCGal][quote=flu]I’ll repeat the question again. Where are people getting 2.5% rebates?????[/quote]

The costco amex gives 3% back on gas purchases, 2% on travel, and 1% on everything else. If you’re a costco shopper you can combine it with executive club membership and get 2% back on costco purchases from exec membership and another 1% from the amex card (assuming you pay with amex.) And if you buy gas at costco, pay with the costco amex, and have an executive membership – the combined rewards is 6%… Makes the already cheap gas even cheaper.[/quote]

I know. I have costco cashback and a citicard dividend rewards which does the 1/2/3% thing. But I was curious which card is giving 2.5% for everything (unless the 2.5% is an average)… I don’t get anywhere close to 2.5% because I rarely eat out :([/quote]
Do you travel flu? As I’ve mentioned above, I’ve been getting 3%+ with my AMEX Starwood card. But that’s because I travel at least once a year and I like Starwood’s portfolio of hotels.

Here’s one example of the kind of return cash and points can do for you. I priced out a Hotel in Time Square NYC. If you stay at “The Manhattan at Times Square Hotel” http://www.themanhattanattimessquarehotel.com/ between December 27th and December 31st, a basic room would cost you between $364-384/night (depending on if you get the king bed or 2 doubles). The total cost for you would be $1456 before tax. If you do it w/ cash and points, it’s $60 + 4000 points per night. So that same trip would cost you $240 + 16000 points. So, that 16000 points saved you $1216 (I haven’t even counted in the tax, which would increase the saving much more since you’re being taxed on $240 vs $1456). So, in this case, the return would be at least 7.6% (slightly more when you count in taxes). This also haven’t taken into consideration that if you spend $30k/yr on your credit card, you’re automatically upgraded to Gold member with Starwood, which mean you’ll get upgraded rooms (higher floors and rooms w/ a view), late check out, early check in.

[an]

[quote=flu][quote=UCGal][quote=flu]I’ll repeat the question again. Where are people getting 2.5% rebates?????[/quote]

The costco amex gives 3% back on gas purchases, 2% on travel, and 1% on everything else. If you’re a costco shopper you can combine it with executive club membership and get 2% back on costco purchases from exec membership and another 1% from the amex card (assuming you pay with amex.) And if you buy gas at costco, pay with the costco amex, and have an executive membership – the combined rewards is 6%… Makes the already cheap gas even cheaper.[/quote]

I know. I have costco cashback and a citicard dividend rewards which does the 1/2/3% thing. But I was curious which card is giving 2.5% for everything (unless the 2.5% is an average)… I don’t get anywhere close to 2.5% because I rarely eat out :([/quote]
Do you travel flu? As I’ve mentioned above, I’ve been getting 3%+ with my AMEX Starwood card. But that’s because I travel at least once a year and I like Starwood’s portfolio of hotels.

Here’s one example of the kind of return cash and points can do for you. I priced out a Hotel in Time Square NYC. If you stay at “The Manhattan at Times Square Hotel” http://www.themanhattanattimessquarehotel.com/ between December 27th and December 31st, a basic room would cost you between $364-384/night (depending on if you get the king bed or 2 doubles). The total cost for you would be $1456 before tax. If you do it w/ cash and points, it’s $60 + 4000 points per night. So that same trip would cost you $240 + 16000 points. So, that 16000 points saved you $1216 (I haven’t even counted in the tax, which would increase the saving much more since you’re being taxed on $240 vs $1456). So, in this case, the return would be at least 7.6% (slightly more when you count in taxes). This also haven’t taken into consideration that if you spend $30k/yr on your credit card, you’re automatically upgraded to Gold member with Starwood, which mean you’ll get upgraded rooms (higher floors and rooms w/ a view), late check out, early check in.

[an]

[quote=flu][quote=UCGal][quote=flu]I’ll repeat the question again. Where are people getting 2.5% rebates?????[/quote]

The costco amex gives 3% back on gas purchases, 2% on travel, and 1% on everything else. If you’re a costco shopper you can combine it with executive club membership and get 2% back on costco purchases from exec membership and another 1% from the amex card (assuming you pay with amex.) And if you buy gas at costco, pay with the costco amex, and have an executive membership – the combined rewards is 6%… Makes the already cheap gas even cheaper.[/quote]

I know. I have costco cashback and a citicard dividend rewards which does the 1/2/3% thing. But I was curious which card is giving 2.5% for everything (unless the 2.5% is an average)… I don’t get anywhere close to 2.5% because I rarely eat out :([/quote]
Do you travel flu? As I’ve mentioned above, I’ve been getting 3%+ with my AMEX Starwood card. But that’s because I travel at least once a year and I like Starwood’s portfolio of hotels.

Here’s one example of the kind of return cash and points can do for you. I priced out a Hotel in Time Square NYC. If you stay at “The Manhattan at Times Square Hotel” http://www.themanhattanattimessquarehotel.com/ between December 27th and December 31st, a basic room would cost you between $364-384/night (depending on if you get the king bed or 2 doubles). The total cost for you would be $1456 before tax. If you do it w/ cash and points, it’s $60 + 4000 points per night. So that same trip would cost you $240 + 16000 points. So, that 16000 points saved you $1216 (I haven’t even counted in the tax, which would increase the saving much more since you’re being taxed on $240 vs $1456). So, in this case, the return would be at least 7.6% (slightly more when you count in taxes). This also haven’t taken into consideration that if you spend $30k/yr on your credit card, you’re automatically upgraded to Gold member with Starwood, which mean you’ll get upgraded rooms (higher floors and rooms w/ a view), late check out, early check in.

[an]

[quote=flu][quote=UCGal][quote=flu]I’ll repeat the question again. Where are people getting 2.5% rebates?????[/quote]

The costco amex gives 3% back on gas purchases, 2% on travel, and 1% on everything else. If you’re a costco shopper you can combine it with executive club membership and get 2% back on costco purchases from exec membership and another 1% from the amex card (assuming you pay with amex.) And if you buy gas at costco, pay with the costco amex, and have an executive membership – the combined rewards is 6%… Makes the already cheap gas even cheaper.[/quote]

I know. I have costco cashback and a citicard dividend rewards which does the 1/2/3% thing. But I was curious which card is giving 2.5% for everything (unless the 2.5% is an average)… I don’t get anywhere close to 2.5% because I rarely eat out :([/quote]
Do you travel flu? As I’ve mentioned above, I’ve been getting 3%+ with my AMEX Starwood card. But that’s because I travel at least once a year and I like Starwood’s portfolio of hotels.

Here’s one example of the kind of return cash and points can do for you. I priced out a Hotel in Time Square NYC. If you stay at “The Manhattan at Times Square Hotel” http://www.themanhattanattimessquarehotel.com/ between December 27th and December 31st, a basic room would cost you between $364-384/night (depending on if you get the king bed or 2 doubles). The total cost for you would be $1456 before tax. If you do it w/ cash and points, it’s $60 + 4000 points per night. So that same trip would cost you $240 + 16000 points. So, that 16000 points saved you $1216 (I haven’t even counted in the tax, which would increase the saving much more since you’re being taxed on $240 vs $1456). So, in this case, the return would be at least 7.6% (slightly more when you count in taxes). This also haven’t taken into consideration that if you spend $30k/yr on your credit card, you’re automatically upgraded to Gold member with Starwood, which mean you’ll get upgraded rooms (higher floors and rooms w/ a view), late check out, early check in.

[fsbo]

http://www201.americanexpress.com/getthecard/learn-about/BlueCash/

Your Rebate is awarded annually for each Rebate Year (12 consecutive billing periods) in the form of a statement credit. For the first $6,500 of Eligible Purchases, the rebate is 1.0% for Everyday Purchases and 0.5% for all other Eligible Purchases;….

What are “all other Eligible Purchases”?

[fsbo]

http://www201.americanexpress.com/getthecard/learn-about/BlueCash/

Your Rebate is awarded annually for each Rebate Year (12 consecutive billing periods) in the form of a statement credit. For the first $6,500 of Eligible Purchases, the rebate is 1.0% for Everyday Purchases and 0.5% for all other Eligible Purchases;….

What are “all other Eligible Purchases”?

[fsbo]

http://www201.americanexpress.com/getthecard/learn-about/BlueCash/

Your Rebate is awarded annually for each Rebate Year (12 consecutive billing periods) in the form of a statement credit. For the first $6,500 of Eligible Purchases, the rebate is 1.0% for Everyday Purchases and 0.5% for all other Eligible Purchases;….

What are “all other Eligible Purchases”?

[fsbo]

http://www201.americanexpress.com/getthecard/learn-about/BlueCash/

Your Rebate is awarded annually for each Rebate Year (12 consecutive billing periods) in the form of a statement credit. For the first $6,500 of Eligible Purchases, the rebate is 1.0% for Everyday Purchases and 0.5% for all other Eligible Purchases;….

What are “all other Eligible Purchases”?

[fsbo]

http://www201.americanexpress.com/getthecard/learn-about/BlueCash/

Your Rebate is awarded annually for each Rebate Year (12 consecutive billing periods) in the form of a statement credit. For the first $6,500 of Eligible Purchases, the rebate is 1.0% for Everyday Purchases and 0.5% for all other Eligible Purchases;….

What are “all other Eligible Purchases”?

[flyer]

The CITI Dividend and AMEX Simply Cash Business Card used to give us 5% cash back on all purchases for years. We’re at between 1-3% on most now. Sad.

I know we’re dreaming in this economy, but since we pay everything off every month, too, we’d really like to find another 5% cash back only card again, since we really don’t need travel or hotel rewards because of our free airline benefits that will flow into retirement.

All of the posts offer great suggestions, and I’ll keep checking in, to see if anyone has heard of any deals I may have missed.

[flyer]

The CITI Dividend and AMEX Simply Cash Business Card used to give us 5% cash back on all purchases for years. We’re at between 1-3% on most now. Sad.

I know we’re dreaming in this economy, but since we pay everything off every month, too, we’d really like to find another 5% cash back only card again, since we really don’t need travel or hotel rewards because of our free airline benefits that will flow into retirement.

All of the posts offer great suggestions, and I’ll keep checking in, to see if anyone has heard of any deals I may have missed.

[flyer]

The CITI Dividend and AMEX Simply Cash Business Card used to give us 5% cash back on all purchases for years. We’re at between 1-3% on most now. Sad.

I know we’re dreaming in this economy, but since we pay everything off every month, too, we’d really like to find another 5% cash back only card again, since we really don’t need travel or hotel rewards because of our free airline benefits that will flow into retirement.

All of the posts offer great suggestions, and I’ll keep checking in, to see if anyone has heard of any deals I may have missed.

[flyer]

The CITI Dividend and AMEX Simply Cash Business Card used to give us 5% cash back on all purchases for years. We’re at between 1-3% on most now. Sad.

I know we’re dreaming in this economy, but since we pay everything off every month, too, we’d really like to find another 5% cash back only card again, since we really don’t need travel or hotel rewards because of our free airline benefits that will flow into retirement.

All of the posts offer great suggestions, and I’ll keep checking in, to see if anyone has heard of any deals I may have missed.

[Author]

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