Cash back credit cards anyone?

[CBXRider]

I was looking over my B of A credit card statement and noticed I had nearly $500 in ‘cash back available’ so I applied it to my balance.

I luuuuv free money

[Red05]

I use Capital One points a lot. It is actual free money if you don’t have a yearly fee. Pretty cool stuff.

[CBXRider]

Yeah no fee no interest. Had it for years and just hadn’t checked that balance in awhile. Hell it’s a house payment!

[OldBusaGuy]

My wife and I use a Costco Citi card and usually get around $700/year back. But there is an annual fee to be a Costco member. I can't remember how much it is, but over $100 and less than $200. And even with just the two of us, we save enough by buying bulk on some things and also buying bigger ticket items there to offset the annual fee.

I had a B of A credit card for many years that got me air miles, but they started changing the rules to make it less worthwhile so I let it go.

[Red05]

Yeah no fee no interest. Had it for years and just hadn’t checked that balance in awhile. Hell it’s a house payment!

People like us that don't let interest accrue must be in the minority because credit card companies keep offering. I use my card for everything I can and pay at the end of the statement period. Hell ya!

[CBXRider]

Years ago I used to be interested in the apr but not in decades. Those that don’t pay it off monthly are spending too much. Their punishment is the high interest added to their unpaid balance month after month after….the credit card companies count on those spenders. Although they ‘launder’ my money over their books and get some benefit from that, I’m sure they probably don’t appreciate pls those of us who pay off the balance each month plus, receive cash back incentives to use the card. Funny world we live in.

[PeregrineKeith]

Capital One user here. I use mine for everything as well as all my business expenses so it adds up fast. My “free” money usually helps fund a pewpew build or lately my most recent hobby… golf.

[kim windsor]

If I can’t afford it I do not get it one card only. Costco

[CBXRider]

If I can’t afford it I do not get it one card only. Costco

Did you sell your bike?

[jellyrug]

I always compare bad credit to a relationship with the opposite sex.

If you always take out more than what you put back in, at some point there is nothing left.