Submitted by nabeel_co t3_11dynwq in personalfinance
nabeel_co OP t1_jabk9we wrote
Reply to comment by honey-smile in Affirm: 0% Interest for 36 monthly payments. Why wouldn't you do this? (US/CAN) by nabeel_co
3% cash back?! I'm using the wrong credit cards... 😳
Pretty_Swordfish t1_jacfsrp wrote
Cap1 Savor one is 3% for groceries, dining, Streaming. Amex is 6% for groceries with $95 annual fee. Amazon prime card is 5% for Amazon and whole foods, etc. Look at the credit card reddit for tons of info.
As for Affirm, plan to pay off the bill at least 30 days before the due date in full and have payments on auto and it's fine. Most people aren't that responsible and they miss a payment or can't pay in full by the end of the 0% period.
xEvilMunkyx t1_jacpsci wrote
Just adding that $95 AF Amex card (the BCP) also comes with 6% Streaming and 3% Gas & Transit.
(Figured since you mentioned streaming on the Cap1, it was worth including for the Amex.)
honey-smile t1_jabkni8 wrote
Discover has 5% cash back categories that change every quarter. One is Amazon, online shopping, restaurants, etc.
[deleted] t1_jablm1y wrote
[removed]
AccomplishedClub6 t1_jaclhmb wrote
Citi custom cash is way better. 5% cash back on categories that don’t change and it auto finds the highest spending category each month. I use it as my dedicated grocery store credit card.
Viewing a single comment thread. View all comments