Any Topic? Recommend good rewards credit card

[nimrod]

I'm looking for a credit card that will give me the MOST rewards in either cash (preferably) or gift certificates to good stores. (not sky miles). Which one is best?

Don't worry....I NEVER carry a balance. I simply use them for the rewards and buy me nice presents after a build up enough cash or certificates.

I went from a Cabela's card to a Sportsmans Warehouse card. Now I'm dumping the Sportsman's card.

[Jbs2763]

most of the national banks will have similar points system on thier debit cards...say no to DEBT

[NeuroTypical]

I have the Citi professional card. Actually, I've had a series of them. When you sign up, they give you rewards, plus double bonus rewards for the first year. After a year, I cancel the card and get a new one.

Go to Citicards.com/Credit Cards/ThankYou Rewards cards, then pick one you like. Thankyourewards folks will give you a $100 gift card for 10K points - that's the best ratio from their list of rewards.

LM

[Guest Alana]

I use Discover card for the rewards. It's a flat 1% but a lot of times they'll do 5% on things, even gas. You redeem them in $20 increments. You can also get gift cards worth twice as much ($40 gift card for $20 worth of rewards.) I then sell the gift cards on ebay for about $30-35... so more cash for me!

[Michael_Newman]

$2500 to $100,000 Credit

Without a credit check - I started with an American Express Gold Rewards card a few years ago and treated it like a checking account instead of using the credit after the statement came due. Although AMX claims there is never a credit limit, there really is. The Gold Card started at about $2500 the first 2 weeks, and then quickly went to $5000 and all the way up.

$100,000 Plus Credit

Within 6 months I had enormous points, an excellent track record - and they offered me the American Express Platinum Rewards card.

How I did it:

Instead of waiting for the statement, I found a unique method which automatically increased my credit line by simply paying off the card every week - and sometimes every 3 days. The credit system began automatically increasing my credit line, and within a six months I went from a $5000 limit to over $100,000 card - all because I chose to:

• Pay everything (and I mean "everything") with the card. If you work for a company where your expenses are reimbursed; buying groceries, paying utilities, accountant, any professional fees - just look at your checking account and see where your monthly money is going. And remember to use the card as a checking account.

• Pay everything OFF within days or weeks.

REWARDS:

The AMX points can be double over any other traditional Visa or Master-card. Why? Because the merchants who accept AMX pay a higher rate when accepting the card. And AMX passes it along to their card holders.

• VISA/MC: If you have a Visa/MC and run $12,500 through the account, you might be able to get 12,500 reward miles at 1 point per $1 dollar used.

• AMX: If you have an AMX and run $12,500 through the account, you could get double the points at 25,000 reward miles at 2 points per dollar used.

When I started racking up 100,000 reward miles, I looked at options to convert them into either free items or cash. They do allow you to cash out air-miles with a cash card, but if I was going to use the cash to buy something, then it was more beneficial to use the reward miles to get what I wanted instead of taking a discount to get a cash card.

If you can run $12,500 a month through your personal or business checking account, then you can essentially get a free round-trip domestic airline ticket once every 2 months. Double that to $25,000 a month (even using your families checking or business accounts) and the miles will really pile up.

American Express Centurion Card

This card is the next step up from the Platinum card. The benefits are enormous (including access to a private charter jet if your regular airline is canceled). There is no credit limit.

All my best,

Michael

[nimrod]

Michael,

I don't have much of a business. Not one with many expenses. So, if I understand correctly, AMX primarily offers Sky miles and you can convert them to cash but you get less?

I have no need for sky miles. I have no life. I drive everywhere I go. If I don't want to convert miles to cash, etc....is AMX still the way to go for cash back or certificates?

Nimrod

[miztrniceguy]

citi diamond preferred rewards card or citi premierpass card if you travel, or the new citi forward myspace card

[Michael_Newman]

Michael,

I don't have much of a business. Not one with many expenses. So, if I understand correctly, AMX primarily offers Sky miles and you can convert them to cash but you get less?

I have no need for sky miles. I have no life. I drive everywhere I go. If I don't want to convert miles to cash, etc....is AMX still the way to go for cash back or certificates?

Nimrod

What would you do with the cash? Your cash option needs to be looked at in what you would do with the cash. If you would just turn around and use the cash for something that AMX offers, then it would be silly to cash out miles. You will always get more value for AMX miles than for AMX cash.

If you drive everywhere, that's okay. You can still eat, sleep, entertain, shop, and enjoy the journey - which will give you an extra "life" at no further expense.

AMX has enormous choices on what to do with your miles, whereas many of the Visa/Master-Card miles are very limited in comparison. For rewards and flexibility, there is no better program than AMX. It is hands down.

Check out the AMX Catalog of Rewards by starting with the following Google Results links:

Google Results Link for American Express Rewards Catalog

After reviewing their enormous catalog, if none of it looks appealing - then consider some of the other options mentioned. AMX does offer a cash card, and the conversion rate is similar to Visa/Master-card.

Michael

[Wingnut]

If you're looking for a Cabela's type card, I would recommend LL Bean. Their products are of a higher quality, they are lifetime guaranteed, and with their credit card you get free shipping and rewards points! Check out there website here: L.L.Bean Official Site

We also have a credit card that racks up points toward gift certificates on Amazon.com. I really like it because there is so much variability in what I can buy.