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SVTPerformance's Chain of Restaurants
Road Side Pub
Credit cards with cash back or points?
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<blockquote data-quote="LS2GTO" data-source="post: 15056053" data-attributes="member: 73731"><p>Points and cash back is basically the same thing (money in your pocket), except one you can use anywhere while the other you can only use at certain stores or vendors (airline miles for example).</p><p></p><p>But that doesn't mean the latter is bad, just depends on the amount you get back.</p><p></p><p>For example, I travel alot and have a Jet Blue card. For every $10,000 that I spend I get the equivalent of about $150 in Jet Blue currency that I can use on flights. That same $10,000 would get me about $100 in cash back from a regular credit card. So even though I can only use my points on flights, since I travel alot it makes sense to use points because the $150 that I save on my flight I get to use on other shit (compared to only $100 if I had chosen a cash back credit card).</p><p></p><p>So think wisely of where you shop and compare those benefits vs. straight up cash. I will second that Amex Blue however, it has 6% at groceries, 3% on gas and 1% everywhere (and that's all year long). If you're like me with a big family those grocery and gas bills really add up and getting that kind of cash back on a $250 trip to the grocery store is pretty nice.</p></blockquote><p></p>
[QUOTE="LS2GTO, post: 15056053, member: 73731"] Points and cash back is basically the same thing (money in your pocket), except one you can use anywhere while the other you can only use at certain stores or vendors (airline miles for example). But that doesn't mean the latter is bad, just depends on the amount you get back. For example, I travel alot and have a Jet Blue card. For every $10,000 that I spend I get the equivalent of about $150 in Jet Blue currency that I can use on flights. That same $10,000 would get me about $100 in cash back from a regular credit card. So even though I can only use my points on flights, since I travel alot it makes sense to use points because the $150 that I save on my flight I get to use on other shit (compared to only $100 if I had chosen a cash back credit card). So think wisely of where you shop and compare those benefits vs. straight up cash. I will second that Amex Blue however, it has 6% at groceries, 3% on gas and 1% everywhere (and that's all year long). If you're like me with a big family those grocery and gas bills really add up and getting that kind of cash back on a $250 trip to the grocery store is pretty nice. [/QUOTE]
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SVTPerformance's Chain of Restaurants
Road Side Pub
Credit cards with cash back or points?
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