Best Credit Card?

[robtattoo]

I recently ditched my Alaska Airlines credit card and am looking into opening up a new credit card, mostly focused on cash back. I have a Cabelas card that I'll hold onto to take advantage of sales, but want to do better than earning 1% on purchases. With a couple of young kids, we aren't traveling much these days so mostly interested in cash back. I'm looking at the Wells Fargo Active Cash since it offers 2% cash back on all purchases. Most of our spending is on gas/groceries/restaurants but not heavily weighted in one direction. Any recommendations for what y'all use and like?

If there's a card out there that offers increased cash back for tag/license applications, that'd be a no brainer

Man, I have to ask.
As someone that tries to never use credit cards. Why not pay yourself back?
I just feel like its a scam to use a CC for cash back or frequent miles whatever they are offering.
I will use the zero percent financing and pay it off in time.
Why not toss a hundred or two in some sort of high earning savings account?
Open an IRA?
Too many better options than making payments for "cashback".
Just my opinion here.

Have you looked at Credit Karma? The credit score tracking folks?
Hands down THE best thing I've done, financially (outside of investments etc...) is sign up to their site.

I took my credit score from what they call a 'slim file' which is essentially zero credit, to the mid 600s in the space of 8 months & up to 805 within 3 years.

They list all the cards that are commonly available to you (excluding store cards) with easy to follow details regarding rewards, cash back, transfer rates etc & best of all, they'll tell you your approval odds so that your score won't take a hit. If you only apply for cards with 'excellent' or 'guaranteed' odds, your score takes no more than a 1 or 2 point hit on application & then jumps back by up 5 to 10 minimum within a month, depending on spending limit.

I was terrified of getting a credit card due to stupidity when I was a kid, but age & common sense finally kicked in & these days I check my bank balance before I use the card & pay it off immediately.
I mostly use a Chase Amazon card & I've had well over $2000 of literally free Amazon purchases in the last couple of years.

I'm about to apply for another Amazon visa, simply because I'll automatically get $200 credit on my Amazon account, plus 5% on all Amazon purchases & a minimum 2% on everything else.

 

[tony]

Have the app on my phone, they took over Mint.
I am in the mid 800s.

 

[waspocrew]

I have one debit card and rarely use it. I use my credit cards for everything. Like others mentioned, I prefer the security offered - if there's fraudulent activity, that's on the CC company to sort out, not me.

I have a Scheels CC and use it for most of our purchases. It didn't take long to accrue enough gift cards to make some awesome free purchases.

 

[Lawnboi]

Same as a lot of folks. Did the debit card thing for too long. Much easier to manage with one credit card for everything.

I use a scheels card. On top of 1.5% I can often get reloading components for 7% back plus.

 

[Beendare]

@tony, as stated, the credit card thing only makes sense if you pay it off every month and CC yearly fees are low.

I buy tens of thousands of dollars worth of stuff on CC- through 3 businesses and personal. I get a significant amount back yearly.

The caveat is; Don't buy something you cannot pay off as the rate they charge is obscene. And don't buy stuff the vendor charges you a fee to use a CC.