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Credit Cards and Rewards

Old 06-03-2018, 06:40 PM
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Default Credit Cards and Rewards

I was just handed some work that is out of town and will require me to spend some time traveling. In the past I have just intermingled my business expenses on my personal credit card and done expense reimbursements. With the out of town work these business expenses are getting more numerous. I can continue to do it the way I do it now or my company is offering me a company credit card if I want. I also thought about the option of getting another personal credit card with some rewards that would only be used for my business expenses. I havent applied for a credit card in 15 years and I was looking online and I see a lot of cards offer rewards but which one is better. My current credit card is through my bank with very little rewards.
Which card is better? Will all rewards cards have annual fees? Interest rate shouldn't matter as it will be paid off every month.
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Old 06-03-2018, 06:46 PM
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Im a Marriott rewards guy. Lots of hotel stays in my line of work. Although lately I have been using my Am Ex for international as there are no international transaction fees. I guess it depends on what you use your rewards for. If you want some free nights in a hotel get a hotel reward card, if not airline card or Am Ex.
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Old 06-03-2018, 06:48 PM
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I enjoyed the points from my Cabela's card for years while building up my fishing arsenal. Charged a lot of biz expenses on it to maximize points. Nowadays, being retired, I shop mostly at Amazon Prime and have their card that gets me points to use.
All depends on where you spend your money. Some like airline miles, others like cash back etc.

Having a separate , personal card for business related expenses might make bookkeeping easier??
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Old 06-03-2018, 07:00 PM
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Can you get them to pay for Amex platinum?
its ... I believe $550

not sure if you can just apply and get it or if you have to have another Amex card first ...

if if you fly a lot- the platinum is good... for me at least.
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Old 06-03-2018, 07:35 PM
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I use Southwest Rapid Rewards almost exclusively. My wife and I spend enough to get 3 or 4 free flights per year. I use an Amazon card for those purchases for the 5% reward return. I had a chase sapphire card for a year to get a shit ton of bonus points that converted over to southwest but canceled it due to the annual fee.
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Old 06-03-2018, 08:00 PM
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Canadian one I use in BMO MasterCard.

1.5 percent back to be used for travel. Pays for a trip to Cabo in the fall for me and wife
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Old 06-03-2018, 08:02 PM
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I use an SPG Amex card. Has been top of the list at the points guy as far as value. Small annual fee, solid rewards program.
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Old 06-04-2018, 01:43 AM
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i use the gm card. 5% towards purchase or lease of gm product.i think its capped at 700.00 per year but can accrue for 5 years.
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Old 06-04-2018, 03:33 AM
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Amex Blue Cash
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Old 06-04-2018, 03:58 AM
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I travel about 6 months a year for business, I have found the Hilton honors program better than the others for my use and use a capital one venture card for all the travel expenses.

It works well, my wife and I usually vacation a week for free at the end of the year.
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Old 06-04-2018, 04:23 AM
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Regarding your question about fees on reward credit cards, no, not all reward cards have annual fees.

I have a Discover card and a Fidelity Visa card. Each pays cashback rewards and neither has an annual fee. Discover pays 2% on fuel purchases, 1% on other purchases. Visa pays 2% on all purchases. The cashback award can be applied to the monthly Discover card bill (maybe the Visa as well, never looked)..
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Old 06-04-2018, 04:32 AM
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Chase Sapphire Reserve is the best card I have ever had for travel! I also have an amex platinum but as far as rewards go the Chase is better as it collects 3 points per $ on all travel related expenses including gas and dining out.
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Old 06-04-2018, 04:50 AM
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Default Sam's Club

(5% for gas purchases at U.S. and Puerto Rico Sam's Club and Walmart fuel stations, and at Gas Stations located in the U.S. and Puerto Rico (but excluding purchases at fuel stations at wholesale clubs (other than Sam's Club), certain supercenters, and supermarkets), for up to the first $6,000 in gas purchases each year and 1% thereafter; 3% for dining and travel purchases (excluding purchases at wholesale clubs other than Sam's Club) and 1% for all other Eligible Purchases). Maximum of $5,000 in Cash Back rewards can be earned in a calendar year. Cash Back checks are issued each February for the Cash Back earned during the previous calendar year.







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Old 06-04-2018, 07:49 AM
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Originally Posted by myyellas2k View Post
Can you get them to pay for Amex platinum?
its ... I believe $550

not sure if you can just apply and get it or if you have to have another Amex card first ...

if if you fly a lot- the platinum is good... for me at least.
you pay $550/year to have a credit card? what do you get out of that? my citi doublecash pays me 2% on every purchase i usually get around $2000 a year from them
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Old 06-04-2018, 12:10 PM
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Looking at the programs...it looks like the chase sapphire or the capital one venture are the best routes for overall expenditures.
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Old 06-04-2018, 01:10 PM
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I used my own credit card for business expenses until the company I worked for decided to give all of us AMEX cards so they could benefit from the points/rebates. I have had a Bass Pro card for a long time and enjoyed getting the points for business and personal stuff. Now I pay a lot of bills with my Bass Pro credit card to build up points.
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Old 06-04-2018, 01:20 PM
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flyertalk is the best forum for this not THT

A few years ago I made $5k churning two credit cards, in total I've made tens of thousands of dollars off of churning and credit card rewards, and that is with little effort and moderate spend. some people do it as a hobby.
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Old 06-04-2018, 01:20 PM
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Capital 1 give me 2% cash back...……….It works well for me...……...
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Old 06-04-2018, 01:30 PM
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I like the 2 percent back on all purchases with my Fidelity Visa. I think that you still have to have a Fidelity Investment account of some sort and they deposit the 2 percent into that account. From there you can do whatever you want with it. I buy FSTVX, Fidelity's Total Stock Market Index, and the reward just keeps on giving and growing!
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Old 06-04-2018, 01:30 PM
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Originally Posted by offshorebri View Post
Capital 1 give me 2% cash back...……….It works well for me...……...
I use Capital One's 2% back as my default card when there is not a better earning option on another card or I want Amex's stellar purchase / extended warranty protection.
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