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Grocery -Amex BCP, EDP, OBC, BCE
Gas -(in order)(Freedom or Discover at thier quarters) Citi Costco (4% CB), Citi Premier (3x TU), Amex BCP (3%), Ink(2x UR), Amex blue (2% CB)
Clothing - Freedom during dept store quarters (5x UR), buy GC where you earn more than 1x pts (example: Saks GC at Staples using Ink for 5x pts)
Tuition - VGC purchased at Staples with Ink
Office Supplies - Ink!
Restaurant - Freedom (2016 Q3), Sapphire Preferred (especially on first Friday of month! Buy gift cards from restaurants you frequent.)
Airlines, Travel - (in order)"Amex platinum if booked directly with the airline or through amextravel.com (5x MR) Amex PRG (3x MR), Chase Sapphire Reserve (3x UR), Prestige or Premier (3x TU), Sapphire Pref (2x UR)
Hotel - Ink or Sap p (2x UR), Prestige (5× TY) or Premier (3x TY)
Rental Car / CWD - CSP
Anything needing warranty - Amex SPG
International purchases - Any card that doesn't charge forex fee (some data on Visa vs MC vs AMEX)
Penny purchases - citi rewards+
Entertainment (Movies, Broadway shows, Concerts etc)- Citi Prestige or Premier or Forward (2x TU)
Phone,cellphone,internet - Ink (5x)
« Last edited by qooldude on June 24, 2022, 12:31:18 PM »

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Author Topic: Which is the best card to use? *Master Thread*  (Read 183874 times)

Offline ah giten

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Re: Which is the best card to use? *Master Thread*
« Reply #600 on: August 29, 2023, 06:41:56 PM »
Quote from: Sammy82 on August 29, 2023, 03:57:35 PM
IDK. I don't think he even priced it out. He only responded that there will be a $50/ticket fee for him to sell it to me.
Try a different agent?
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Offline Sammy82

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Re: Which is the best card to use? *Master Thread*
« Reply #601 on: August 29, 2023, 07:11:50 PM »
Quote from: ah giten on August 29, 2023, 06:41:56 PM
Try a different agent?
Yup, just did. Tried another one (who I was told always gets best pricing with TK) and he looked into it. Told me he can't get the price I see online right now so I should just book straight with TK website.
Thank all.
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Offline ah giten

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Re: Which is the best card to use? *Master Thread*
« Reply #602 on: August 29, 2023, 07:15:57 PM »
Quote from: Sammy82 on August 29, 2023, 07:11:50 PM
Yup, just did. Tried another one (who I was told always gets best pricing with TK) and he looked into it. Told me he can't get the price I see online right now so I should just book straight with TK website.
Thank all.
Interesting.
Mind posting the flight details here?
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Offline pbf

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Re: Which is the best card to use? *Master Thread*
« Reply #603 on: September 05, 2023, 02:33:31 PM »
Hi,

I will be having a few thousand dollars of pharmacy bills in the next few months. What's the best card to use?
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Offline yelped

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Re: Which is the best card to use? *Master Thread*
« Reply #604 on: September 05, 2023, 02:40:33 PM »
Quote from: pbf on September 05, 2023, 02:33:31 PM
Hi,

I will be having a few thousand dollars of pharmacy bills in the next few months. What's the best card to use?
Freedom Unlimited for 3% at drug stores?
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Offline HoKo

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Re: Which is the best card to use? *Master Thread*
« Reply #605 on: September 05, 2023, 02:44:50 PM »
Quote from: pbf on September 05, 2023, 02:33:31 PM
Hi,

I will be having a few thousand dollars of pharmacy bills in the next few months. What's the best card to use?

If the pharmacy is part of a grocery store then the amex gold (or any other card with strong grocery earning) is a great option.
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Offline Spoon

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Re: Which is the best card to use? *Master Thread*
« Reply #606 on: September 05, 2023, 02:45:25 PM »
Quote from: yelped on September 05, 2023, 02:40:33 PM
Freedom Unlimited for 3% at drug stores?


Or citi custom cash especially if you have multiple
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Offline pbf

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Re: Which is the best card to use? *Master Thread*
« Reply #607 on: September 05, 2023, 02:49:35 PM »
Quote from: HoKo on September 05, 2023, 02:44:50 PM
If the pharmacy is part of a grocery store then the amex gold (or any other card with strong grocery earning) is a great option.
No, mail order pharmacy
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Offline HoKo

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Re: Which is the best card to use? *Master Thread*
« Reply #608 on: September 05, 2023, 02:51:40 PM »
Quote from: pbf on September 05, 2023, 02:49:35 PM
No, mail order pharmacy

Gotcha, then yeah I agree with the above recommendations from @Spoon and @yelped
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Offline pbf

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Re: Which is the best card to use? *Master Thread*
« Reply #609 on: September 05, 2023, 02:55:16 PM »
Thanks all! I have a regular Freedom but not a Freedom Unlimited, going to apply now.
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Offline Spoon

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Re: Which is the best card to use? *Master Thread*
« Reply #610 on: September 05, 2023, 06:12:39 PM »
Quote from: pbf on September 05, 2023, 02:55:16 PM
Thanks all! I have a regular Freedom but not a Freedom Unlimited, going to apply now.


You can PC it to the FU
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Offline Shaya E

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Re: Which is the best card to use? *Master Thread*
« Reply #611 on: September 05, 2023, 11:13:34 PM »
Quote from: pbf on September 05, 2023, 02:55:16 PM
Thanks all! I have a regular Freedom but not a Freedom Unlimited, going to apply now.
You can also get a Freedom Flex if for whatever reason you want another one (double caps on the quarterly 5x). Or PC your Freedom to either of these cards. Nothing wrong with applying for the FU, just wanted to mention alternatives.

(Best bet is probably to apply for a Sapphire and PC the Freedom to the FU. You can always downgrade the Sapphire to a Freedom Visa in a year.)
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Offline lifetimedeals

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Re: Which is the best card to use? *Master Thread*
« Reply #612 on: September 07, 2023, 06:23:47 PM »
Is it worth opening a credit card for 2% cash back on all purchases + $100 cash back for spending 1K ?
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Offline Spoon

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Re: Which is the best card to use? *Master Thread*
« Reply #613 on: September 07, 2023, 07:23:37 PM »
Quote from: lifetimedeals on September 07, 2023, 06:23:47 PM
Is it worth opening a credit card for 2% cash back on all purchases + $100 cash back for spending 1K ?




Not IMO
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Offline lifetimedeals

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Re: Which is the best card to use? *Master Thread*
« Reply #614 on: September 07, 2023, 10:03:09 PM »
Quote from: Spoon on September 07, 2023, 07:23:37 PM



Not IMO
What is there to lose? it's free no annual fee
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Offline Spoon

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Re: Which is the best card to use? *Master Thread*
« Reply #615 on: September 07, 2023, 11:38:03 PM »
Quote from: lifetimedeals on September 07, 2023, 10:03:09 PM
What is there to lose? it's free no annual fee


Opportunities to get other cards with mega SUB.
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Offline HoKo

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Re: Which is the best card to use? *Master Thread*
« Reply #616 on: September 08, 2023, 12:14:58 PM »
Depends how much you care about things like 5/24
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Offline Spoon

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Re: Which is the best card to use? *Master Thread*
« Reply #617 on: September 08, 2023, 12:48:22 PM »
Quote from: HoKo on September 08, 2023, 12:14:58 PM
Depends how much you care about things like 5/24


If he doesn't care and must have a 2% card, it makes more sense to apply for a citi card like the premier or rewards + and PC it to the double cash. That way he captures a SUB and gets TYP instead of only straight CB
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Offline stmark

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Re: Which is the best card to use? *Master Thread*
« Reply #618 on: September 14, 2023, 08:25:26 AM »
I have a 20k business expense (on a 30+ year old business with an EIN) that the vendor will take credit card at no additional fee. I will be paying the balance in full when its due. is it worth opening a new business card if so which? I have the following:
3 inks- cash, unlimited, preferred
1- amex biz plat

I have to apply for a mortgage in the next year probably (assuming rates drop a little) so I dont want to ding my score.  is it worth doing 2 cards or 1 card or spend on my existing card.
TIA!
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Offline Gvann

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Re: Which is the best card to use? *Master Thread*
« Reply #619 on: September 14, 2023, 09:55:02 AM »
Do the new venture x business, you’ll be most of the way towards the 30k spend for sign up bonus
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