any recommendations for a good card that I would primarily use for Gas?
Have a long commute. Preferably no fee.
Thanks!
Have a long commute. Preferably no fee.
Thanks!
Credit Cards
- Thread starter AgronAlum
- Start date
The Citi Custom Cash is the highest cash back % I've seen. It's 5% for the category you spend the most, so you could get 5% back on gas if you use it only (or even mostly) for gas.
Just a heads up, this card does have a monthly cap of $500 dollars for the 5% category. I don't know how much @Primetime26 spends on gas in a month but if it's more than $500 you may want to look at something else.
A billing cycle is ~1 month. Unless you spend $1000 a month on gas, I would choose the Citi card. The runner up being the Amex Blue Cash Preferred Card. Amex if you want a really good grocery card that is comparable in gas if you spend >$700+ month on gas
Example:
$500 @ 5% is $25, $200 additional at 1% is $2 for $27 total
$700 @ 3% is $21. Plus 6% rewards on groceries (Up to $6K annually)
So for a gas only card, getting 5% seems pretty good. Plus it looks like Citi is offering a $200 cash back incentive to sign up right now. You just have to spend $1500 across the first 6 months.
Example:
$500 @ 5% is $25, $200 additional at 1% is $2 for $27 total
$700 @ 3% is $21. Plus 6% rewards on groceries (Up to $6K annually)
So for a gas only card, getting 5% seems pretty good. Plus it looks like Citi is offering a $200 cash back incentive to sign up right now. You just have to spend $1500 across the first 6 months.
I just returned from Alaska and had a notice in the mail that my Alaska Airlines CC is increasing the annual fee from $65? to $95. The main reason I got the card was for the trip I just got back from (it saved me over $1000 with the introductory offer/baggage fees). Now seems like a good time to drop it.
I will be getting a mortgage next year so I don't want to negatively effect my credit score which is excellent right now. I have two other cards and don't carry a balance.
Anything I should think about? Should I just pay $95 until the mortgage is secured or opt out?
I will be getting a mortgage next year so I don't want to negatively effect my credit score which is excellent right now. I have two other cards and don't carry a balance.
Anything I should think about? Should I just pay $95 until the mortgage is secured or opt out?
Try to stack them also. If you get a CC that gives 5%, then use that at a Caseys and use their rewards that is like 2-3 cents back in their rewards.
I've never used a credit card, never borrowed money and therefor have no credit history other than bill paying. It hasn't impacted me in the least that I can tell. I pay cash for everything. If I don't have enough cash, then I wait until I do. I know, I'm odd.
This seems impossible to me. How do you buy airline tickets, rent a car, or book a hotel room? I mean good for you, but it's not for me.
Good info here.
I just want to say I'm impressed that this thread has gone 6 pages without someone peddling a referral link
I just want to say I'm impressed that this thread has gone 6 pages without someone peddling a referral link
It’s also costing them a ton of money both short term and long term but I get that some people have had a real aversion to cc imprinted on them
I don't buy airline tickets, but you can always use cash or at least you could the two times I did buy airline tickets back in the 70s. I've also rented cars without a credit card, but again, back in the 70s. I just stayed in a hotel this spring/early summer when a storm knocked out my electricity for four days. I had no problem using a debit card. I know some hotels won't accept a debit card for a deposit. I also know some car rental places won't accept a debit card for the same reason. I lead a pretty simple life and don't use them a lot anyway.
