I pay everything on my credit card and pay my balance in full each month.
I currently have a Chase card that I’ve only used to give me cash back on my purchases. It’s travel focused so I also get some perks related to traveling.
Anyone extra-satisfied with their rewards program card?
Edit: here are my rewards:
- 1x all purchases.
- 2x travel purchases.
- 3x dining, online grocery, streaming services.
- 5x chase travel purchases, Lyft, peloton.
- $50 annual hotel credit.
- One moth per year, 10% boost on the above.
- Free DashPass membership
- No foreign transaction fees
- Visa concierge service.
So your advice is to, ah, pay the extra 4% anyways (because they’re not lowering the prices for cash paying customers), but don’t get anything back?
You aren’t required to participate in their system. Small businesses do in fact offer cash discounts if you ask. Be a better consumer if you want change.
Small businesses are also generally going to be more than 4% more expensive than big box stores.
I get what you’re saying, really, but when you’re broke, you’ve only got so many bullets to fight with your wallet.