$ Best Credit Cards

[ChaosReignsOnSomeSaturday]

Are credit cards even actually worth getting? It seems retarded for me to make someone like Visa money on me buying things just so a jew invented fake number will go up.
I don't buy anything unless I've already got the cash to do so, and doing the who "buy on card -> card autobills/deducts payment from your linked account -> score go up" just sounds retarded and like buying an apple with extra steps.
Eventually I'd like to get a mortgage though which means I need my goy score to be up more, so can someone explain why I should get one and why it's not retarded?

 

[Metal_Heavy19]

Are credit cards even actually worth getting? It seems retarded for me to make someone like Visa money on me buying things just so a jew invented fake number will go up.
I don't buy anything unless I've already got the cash to do so, and doing the who "buy on card -> card autobills/deducts payment from your linked account -> score go up" just sounds retarded and like buying an apple with extra steps.
Eventually I'd like to get a mortgage though which means I need my goy score to be up more, so can someone explain why I should get one and why it's not retarded?

If you can find one without an annual fee it's great to get gas with as that covers you for identity theft. I have a card through ally bank that gives me 3% on gas and groceries, 1% everywhere else. It's important to have a credit history if you're ever gonna try and buy anything substantial. Don't get me wrong, cash is king, save your money, use your card responsibly and pay off each month. Eventually your credit will improve and they'll chunk card offers at you. So if something happens you can put a large amount on a card and oftentimes transfer it to a new card for 0% for 15 months or so. When I was young I got in over my head on cards and swore them off. Eventually I tried to buy something and they said I had no credit. Had to get a crappie 500$ card just to be able to buy a house. So yeah are cards bullshit? Yes, buy you need to play the game.

 

[lichen]

They're useful for building and maintaining a credit score, getting certain protections (fraud on your debit card is your problem, fraud on your credit card can be handled by the CC company), cashback or other rewards on spending. Cashback is honestly negligible unless you're putting most of your spending on the card - if you charge 50k/year on a card that gives you 2% on everything that's $1,000 back. Not huge, but it's free money. If you build your credit and have the disposable income you can play the credit card game and get $1k+ annually in cycling around signup bonuses but I don't get the sense you're the type. You might earn a small amount of interest on the money that stays in your bank account a few weeks longer each month but that's stretching things.

The downsides are that you can fuck yourself if you're not disciplined, you'll start getting junk mail from other people who want you to have their cards, and someone will have a record of your spending habits to sell to others.

 

[MisterListerTheBlister]

Pretty much everything to say about credit cards has been said here, but they REALLY are good for identity fraud in the case it ever happens. It's jewish, but it's crazy how hard they'll fight for their money rather than your own. The big thing to always, ALWAYS watch out for is to make sure you can pay it off each month, and that whatever auto-pay you enroll in also pays off the entire thing each month otherwise you will get fucked by APR.
Also, don't close the first account you ever make for a long while. Like just put $5 on it every so often and pay it off, keeping accounts like that is good for your credit age.
This isn't exactly an answer to "what's the best credit card", but more or less keeping your credit good enough to get approved for those higher quality cards. Personally I'd prefer a travel rewards card even if I don't travel too much since the "free money" you get off of rewards is negligible and it's good to just be able to piss off, fly somewhere off of travel rewards, and take a vacation for a while.

 

[Keith Farrelle Cozart]

Keep it simple, card churning is NOT for the weak. The money you save with it is negated by the time you've wasted. Stick to something like this structure.
Base cards you'll use everywhere:
You can either stack the Apple Card for apple pay purchases (2%) + the tiny list of boosted merchants (ottomh: apple, nike, uber, and a few others) (3%) with the Chase Freedom Unlimited for everything that isn't apple pay (1.5%) + drugstores + dining (3%) (you can also js use chase fu by itself if you don't have apple pay)
OR
Use solely the US Bank credit card. I forgot which one it was but there's a card that gives like 4% depending on how much cash you have with them.
OR
Use solely the Robinhood Gold Card if you're accepted off their waitlist. (3%)
Merchant specific:
If you shop at a place VERY frequently, it's probably worth it to get their card. The Amazon Prime Visa gives 5% back at amazon and whole foods. The Costco Citi Card gives 2% back at costco if you don't have an iPhone to use apple pay with.

You're most likely not going to find anything higher than 2% without extreme caveats/restrictions.

 

[Major]

Keep it simple, card churning is NOT for the weak. The money you save with it is negated by the time you've wasted. Stick to something like this structure.
Base cards you'll use everywhere:
You can either stack the Apple Card for apple pay purchases (2%) + the tiny list of boosted merchants (ottomh: apple, nike, uber, and a few others) (3%) with the Chase Freedom Unlimited for everything that isn't apple pay (1.5%) + drugstores + dining (3%) (you can also js use chase fu by itself if you don't have apple pay)
OR
Use solely the US Bank credit card. I forgot which one it was but there's a card that gives like 4% depending on how much cash you have with them.
OR
Use solely the Robinhood Gold Card if you're accepted off their waitlist. (3%)
Merchant specific:
If you shop at a place VERY frequently, it's probably worth it to get their card. The Amazon Prime Visa gives 5% back at amazon and whole foods. The Costco Citi Card gives 2% back at costco if you don't have an iPhone to use apple pay with.

You're most likely not going to find anything higher than 2% without extreme caveats/restrictions.

Provided the effective Apr is below inflation, any amount you churn is effectively free

 

[Shek$il]

Are credit cards even actually worth getting? It seems retarded for me to make someone like Visa money on me buying things just so a jew invented fake number will go up.
I don't buy anything unless I've already got the cash to do so, and doing the who "buy on card -> card autobills/deducts payment from your linked account -> score go up" just sounds retarded and like buying an apple with extra steps.
Eventually I'd like to get a mortgage though which means I need my goy score to be up more, so can someone explain why I should get one and why it's not retarded?

Scenario #1: Debtard walks into Home Depot, makes a $2100 purchase, his bank balance drops by such. He applies for a loan and proudly declares he has no debt nor any history at all, and is laughed at.

Scenario #2: Credking walks into Home Depot with a meager 1.5% cashback card, makes a $2100 purchase, bank balance remains the same, he now has a month to pay off $2068 and when he does, his credit score increases and lenders will take him seriously.

How about they both end up the victim of a scam? Debtard gets cleaned out because of the direct access to his bank his debit binky grants. It takes two days to notice when he tries to buy a Jr. Bacon Cheeseburger and can't. He calls up his bank, demands assistance, they shrug their shoulders because debit lacks the same protections as credit cards under the Fair Credit Billing Act.

Credking gets a text from his CC asking if he really wanted to spend $5000 on giftcards. Or maybe he doesn't, and he notices in on his impending bill. He reports it as fraud, the card is locked, he gets a new one and is only liable for a maximum of $50 at worst- Credit card companies usually cover all of the costs associated with fraud.

 

[sodaboard]

amex blue cash gives 6% back on groceries, 3% back on transit (gas, paid parking, etc.), 1% on everything else and they have tons of deals and bonus offers you can add to it. easily worth the $100 fee just for groceries alone