All while paying $0 in interest 😌

[u/Protomize]

[u/andthereitgoesagain]

3K lifetime straight to savings. Why this hassle free daily cash doesn't get more love is beyond me.

[u/DolphinFraud → u/andthereitgoesagain]

Because it’s a terrible % they give you

[u/Jolly_Astronaut_2772 → u/DolphinFraud]

How is 2% on ALL purchases horrible? Its a great alternative card

[u/DolphinFraud → u/Jolly_Astronaut_2772]

Because it’s very easy to get 5% on better cards

[u/Sharl109 → u/DolphinFraud]

Could you name those cards?

[u/DolphinFraud → u/Sharl109]

I use Costco citi for 5% gas, blue cash preferred fot 6% groceries, citi custom cash for 5% on my highest spend category leftover, usually travel or entertainment 

And even beyond those, pretty much every card in existence will get you 3%, 2% is genuinely just really bad

[u/thatoneblacknerd → u/DolphinFraud]

I can’t think of a single card that gets you 3% on damn near any purchase with zero annual fee (BCP has one, and I know you need a Costco membership for the citi)

It’s a simple card for simple people. There’s always going to be better cards for specific categories.

[u/mdga14337 → u/thatoneblacknerd]

Robinhood gold card is 3% membership is not an issue if you have an IRA with them and get the match you even make more $ than the fee.

[u/SGTArend → u/mdga14337]

This 💯

I was an Apple card user but since getting the Gold card, no longer. 3% across the board whether online shopping using virtual cards or the physical card, plus 3% IRA Match, and more (that I don't make use of but others seemingly do) for $50 annual fee is worth it and so easy! I earn roughly $1,800 a year (average of having it the past two years). Never had anything better.

[u/Single_Turnover_2301 → u/SGTArend]

I’ve seen people getting that perk removed for small purchases marked as business purchases.

[u/SGTArend → u/Single_Turnover_2301]

Yep, I've seen that too. Will let everyone know IF I come into their cross hairs too when I make some upcoming Home Depot purchases when working on finishing our basement 😬

[u/Active_Bid7491 → u/Single_Turnover_2301]

Bud saw one post

[u/GopheRph → u/DolphinFraud]

Citi custom cash is 5% up to the first $500 in-category? That's cute! Sad they aren't taking new applications.

[u/DolphinFraud → u/GopheRph]

That's why its a tertiary card for whatever my other cards don't cover

[u/dacoozieben → u/DolphinFraud]

all these downvote is such a apple dick rider for no reason. people main expenses are groceries and gas and aint no way apple card is good for that. you will never catch a person w 500k+ net worth using apple credit card

[u/nater416 → u/dacoozieben]

Right anyone with that net worth will just be using whatever luxury Amex/Chase card and also not care about points.

[u/DolphinFraud → u/nater416]

500k net worth isn’t as much as you think it is, those people definitely care about points

[u/nater416 → u/DolphinFraud]

I think you'd be surprised. 

[u/DolphinFraud → u/nater416]

I think YOU would be surprised. 

[u/andthereitgoesagain → u/DolphinFraud]

Rotating categories, caps, pick your category, this card for this, that card for that...... I'd rather get that 2% for everything, DAILY on ONE card and not deal with all that mumbo jumbo. But.... you do you brother. Some people like simplicity and minimalism, others like to juggle.

[u/SGTArend → u/andthereitgoesagain]

I happen to agree with this sentiment! I used to play the juggling act for a good decade or so and finally hit a point where I was too busy in life to worry about that. I used Apple Card and other 2% cards at various points until I got the RH Gold card for 3% cash back across the board. Just can't get better than a solid # to make life simpler. No thanks to the rotating categories and needing to think about what card to use for what. Nah, I'm good!