I pay everything on my credit card and pay my balance in full each month.
I currently have a Chase card that I’ve only used to give me cash back on my purchases. It’s travel focused so I also get some perks related to traveling.
Anyone extra-satisfied with their rewards program card?
Edit: here are my rewards:
- 1x all purchases.
- 2x travel purchases.
- 3x dining, online grocery, streaming services.
- 5x chase travel purchases, Lyft, peloton.
- $50 annual hotel credit.
- One moth per year, 10% boost on the above.
- Free DashPass membership
- No foreign transaction fees
- Visa concierge service.
I have a Wells Fargo Active Cash Visa that gives 2% back on all purchases. It’s hard to find more than that without having to jump through hoops or pay an annual fee.
If you have Amazon Prime (yeah, I know), their Prime Visa card gives at least 5% back (in Amazon credit) on Amazon purchases and a few % back at some other places.
I think I get 2% on most purchases and 3% on restaurants, gas, travel, but I do have a $75 annual fee.