Is this greatest card of all time?

Lord_Tryzalot
Lord_Tryzalot

is this greatest card of all time?

viagrandad
viagrandad

@Lord_Tryzalot
Why would this be great? If you can't tell me, I hope you die in your sleep Mr. Thomas.

Fried_Sushi
Fried_Sushi

@Lord_Tryzalot
Yes. What's your credit line? Mine is 1.5k

girlDog
girlDog

got your card info now, grant

idiot

viagrandad
viagrandad

@Lord_Tryzalot
nah, mine is better

idontknow
idontknow

@Lord_Tryzalot
Best card ever

Techpill
Techpill

@viagrandad

2% cashback on everything, no annual fee

Methnerd
Methnerd

@Techpill
needing nigger change
It's like everyone on biz is homeless.

TalkBomber
TalkBomber

@Methnerd
He doesn't abuse the debt economy to protect his actual assets

.....fampai

Garbage Can Lid
Garbage Can Lid

yes. Best card by far (especially if you don't fly, I have no interest in airlines miles).
You get 2% cash back on everything. I put EVERYTHING on the card I can (wish I could charge my mortgage!) and just pay it off every month. Already made $400 in a few months.

6k credit line

MPmaster
MPmaster

@Lord_Tryzalot
Bought braces on it, maxed i at 5.5k. Will PIF when statement cuts.

takes2long
takes2long

@Garbage Can Lid
spending $20,000 on a credit card in a few months
Good goy

farquit
farquit

I got a 9.9% APR on mine with some minor cash returns. I'm happy with that. I think I'm going to get another card to bump up that magic number.

RavySnake
RavySnake

@Lord_Tryzalot
For me. Yes.

I auto bill all my recurring monthly bills on it and then auto pay the balance. It's like getting paid to automatically pay my bills. Any other purchases are just a bonus. I am not a big spender so it's not like major Cashback, but it adds up. Why the fuck not.

Fuzzy_Logic
Fuzzy_Logic

@Lord_Tryzalot
You ever run into a place that doesn't accept it?

Thinking about snagging one. I like that my visa is accepted everywhere unlike MasterCard/Amex though....

Skullbone
Skullbone

@Fuzzy_Logic
Not op, but I use mine for everything and I have not had an issue yet. Now, my spending habits are pretty simple but all my utility providers, insurance providers, I and health care providers have accepted it, as well as every store/retailer or bar or restaurant I have tried.

The only place that doesn't is costco because they are faggots about CCs

New_Cliche
New_Cliche

@Lord_Tryzalot
Citibank

Disgusting Jew Tier card. read your fine print and be amazed at all of the ways they screw you over.

Supergrass
Supergrass

@New_Cliche
This pretty much.

Amex BCP, chase freedom and CSP and discover it is all you need. I avg like 3% cash back. It's not much but it pays for vacation every year.

Need_TLC
Need_TLC

@Methnerd

You must be literally fucking retarded. You do realize that 2% scales no matter how much you spend right? What's even the point of investing if you are lucky to make like 6-8% and there is still a risk?

Returns are returns no matter how you look at it.

Enjoy being poor forever.

hairygrape
hairygrape

@Lord_Tryzalot
Get Double Cash for non bonus spending

Get AARP Visa for dining/gas

Get Amex BCP or BCE for groceries

Lie about a business and get a Chase Ink Cash for Cable/Internet/Whatever streaming service you use

Those are the 4 credit cards I have, and I like them because I'm getting the most cashback possible for my purchases

Deadlyinx
Deadlyinx

@Methnerd
spend average of 30k a year that can be run through credit
use different cards for 2-4% cash back
????
$1000

BinaryMan
BinaryMan

@Need_TLC
It's called credit cards are liabilities, read robert kiyosaki fag

Nude_Bikergirl
Nude_Bikergirl

@BinaryMan
I would think a balance on your card is a liability. But the card itself, zeroed-out, sitting in a drawer - that's an actual liability working against you? Should I not get a second card?

TreeEater
TreeEater

@hairygrape
Do I have to open a Citi account to get the Double Cash or can it work with my Chase account?|

Sharpcharm
Sharpcharm

@BinaryMan
Food is a liability. Don't ever eat people!

Snarelure
Snarelure

@BinaryMan

Yes obviously it's a liability. And if you are responsible that is a non issue. Of course people are going to be idiots and run up debt and dig into a hole. But if you do it properly it's an asset.

Skullbone
Skullbone

@Nude_Bikergirl
Just ignore the retards

SniperGod
SniperGod

@Lord_Tryzalot
Yeah get something like this and then try to find cards that have no annual fee and give you 5% in categories such as groceries, gas, travel, dining, etc..

Then you can set everything on autopay and save 3-4% on living expenses if done right. Bonus if you use apps to find coupons for the stores you frequent and can save even more.

I waste no time and average something like 3.7% cashback. I'd estimate.

Also, don't fall for the storecard Jew because it can lower your credit.

The average length you've had all your cards matter, so you should try to find one of each category you can and use 2% cashback if you cannot find a 5% one for the category when shopping.

This is what I do, and I have a 810 credit score, so I much recommend it.

RavySnake
RavySnake

@Techpill
My costco mastercard gives me that. 3% if I spend money at a restaurant, which I do once a month. 1% if I buy outside of costco, which I rarely do sans online purchasing.

Lord_Tryzalot
Lord_Tryzalot

@TreeEater
You don't need a Citi bank account to get a Citi credit card, and you don't need a Chase bank account to get a Chase credit card either

The only bank you may have to get a bank account with to get a credit card is Bank of America because they're assholes, but I'll never do that because of all the bullshit I hear about them, so I guess I can't have their credit cards even with a 750 credit score

Evil_kitten
Evil_kitten

Is the best cashback card in the UK the American Express Everyday Cashback?
It has 0.5% cashback annually under 5k and 1% over 5k but no annual fee, the version with the fee has a flat rate of 1.25% but you have to pay £25 a year.
Genuinely the best one I've been able to find here, 2% is unheard of from what I've seen.

kizzmybutt
kizzmybutt

@Evil_kitten
Oh, and with the card with the fee you have to spend over 3k on it annually to even get cashback.

DeathDog
DeathDog

@Lord_Tryzalot
Do i get Cashback reward if i immediately pay it off after a purchase or do i have to wait for statement

StonedTime
StonedTime

@Lord_Tryzalot
So when you get a Citi card, does it open a Citi account for you too?

Can you pay a Citi card on autopay with a Chase account for example?

Need_TLC
Need_TLC

@StonedTime
So when you get a Citi card, does it open a Citi account for you too?
No, it'll only give you a credit card account, NOT a bank account

Can you pay a Citi card on autopay with a Chase account for example?
Sure

Boy_vs_Girl
Boy_vs_Girl

@StonedTime
no
yes

SomethingNew
SomethingNew

@Deadlyinx
This. I also run about 40k a year through my business card for tax free cash back. Got two cards last year with 50,000 bonus miles each, used it for a free trip to Spain for my wife and I.

Nojokur
Nojokur

@DeathDog
You do have to wait for a statement.

Fried_Sushi
Fried_Sushi

@Nojokur
so basically just pay it off the next month?

i dont want to collect any interest on it if possible

Playboyize
Playboyize

@BinaryMan
You read kiyosaki
CC's are 100x leverage and that 2% return is free cash flow. Leveraged Cashflow is the path to riches.

GoogleCat
GoogleCat

@TalkBomber
@Need_TLC
@Deadlyinx
@SomethingNew
falling for the b8

RumChicken
RumChicken

@Lord_Tryzalot
Its only 2% back on your statement balance,
I personally pay off most of my balance before the statement period ends so I have lower credit utilization and less interest.
This card is good for people who pay when they get the bill rather than pay before the bill.

The Capital One Venture card is one of the best in my opinions because its 2x miles on every purchase.

Boy_vs_Girl
Boy_vs_Girl

@Fuzzy_Logic
Costco
pain in the ASS

hairygrape
hairygrape

Us bank Cash + Card
No fees
Unlimited 1% on everything
5% back on 1 thing choose (groceries, gas, ect)
2% back on 2 other things you choose.

whereismyname
whereismyname

@RumChicken
This card is good for people who pay when they get the bill rather than pay before the bill.
uhm... you are supposed to pay when you get the balance you nigger.

Dreamworx
Dreamworx

Guys, I have good savings but zero credit.

never had a card.

I like travel and cash back..

what do ?
:c

Need_TLC
Need_TLC

@StonedTime
Don't get a citi card. They are literally the sketchiest possible major company to use for a credit card.

Get a Wells Fargo card or a Chase Card but stay the fuck away from Citi.

They handle all the retail cards and the policies they have for those are the same for their bank cards.

Lord_Tryzalot
Lord_Tryzalot

@Dreamworx
anyone?

RumChicken
RumChicken

@whereismyname
Yeah I know most people do, but I pay before the billing cycle is up because I like to have low utilization.

Garbage Can Lid
Garbage Can Lid

@Dreamworx
Start with "student card" if you can. Ask about it from your local bank.

Then get a Discover It and build credit,.

Then after that you can play with the big boys and get any card you want.

Also never get AMEX its not worth it anymore and a lot of businesses dont accept them either.

StrangeWizard
StrangeWizard

@Need_TLC
Sketchy.... How?

Ignoramus
Ignoramus

@hairygrape
5% is on $2000 quarterly.

You only get one 2% pick.

Fuckin it got a citi card.

$4600 limit. Is my credit good?

Spamalot
Spamalot

@Techpill
Expecting there to be an annual fee
I bet your bank account has annual fees, doesn't it?

haveahappyday
haveahappyday

@RumChicken
so you only get 1% back by paying it off before your statement? that's gay

Playboyize
Playboyize

@Fried_Sushi
No, you pay it off immediately. Swipe during the day and when you go home, make your payment. So long as there's a net zero balance at 8pm eastern, you accrue no interest.

If it goes past 8pm, then the card issuer has something to start an average daily balance, even if it's just a cent or two. At that point, the minimum finance charge clause kicks in (which is $0.50 or $1.00,) and tacks it on. Suddenly, you have a revolving balance that builds if you don't overpay (but good luck, most online processors won't accept a payment greater than the statement balance or current balance.)

If you blow it, it takes a month or two of riding their asses to get back to true zero.

Methshot
Methshot

@Playboyize
i still get the 2% cash back as well yea?

Evilember
Evilember

@Lord_Tryzalot
I can't ever get a definitive answer on this but is this card a Visa or a Mastercard in the US?

TurtleCat
TurtleCat

@Methshot
Dunno, I don't have it. Based on some of the posts here, it doesn't look like it. Apparently you have to wait for the statement to close. I know that Discover and Capital One's cashback works regardless of when you pay, the cash is awarded at swipe.

CouchChiller
CouchChiller

@Evilember
mastercard

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