best credit card discounts

I'm happy with my Costco Business Amex. 4% on gas, down to 1% on virtually everything else.

I haven't checked to see if my Good Sam 3-cent discount at Pilot/Flying J nullified the Amex discount (Grocery Store stations are already excluded)

Penfed savings show on next bill, and just call and tell them what states you'll be traveling in. They'll free the card up for out of state purchases.

oldchief7155 wrote:
Penfed savings show on next bill, and just call and tell them what states you'll be traveling in. They'll free the card up for out of state purchases.

X2 on the 5% back on the charges right on each bill. I only use this card for gasoline and diesel, nothing else, as that's the only cash back it gives.

Discover is 5% cash back on gas through September. You just have to sign up for it on their web site.

We use hotel program credit cards exclusively. They give us points toward stays at hotels when we are not traveling by RV. We have stayed for free in China, Costa Rica, Germany, France, Italy, etc. 90% of the time using these points. Even better the hotel views the points as indicative of our being loyal customers so we get concierge upgrades to a better room, happy hour, etc. wherever we go.

For a $1000 in fuel cost getting back $50 is small change compared to the hotel points we score instead.

TenOC wrote:

path1 wrote:
We get 5% back using Pen Fed Credit union credit card. I think anybody can join even if your not gov't related.

I use Pen Fed for all my purchases (5% back on gas - unlimited and 3% back on all else ? )and carry a Discovery (5% back of first $100 I think) as a backup card.

Discovery= 5% back on the first $100. WOW!!!! $5 For the privilege of using their card ?

I can't believe any of this stuff really works. How can the company's make money if they are not charging you money in some way. There is always a catch out there somewhere that is going to cost you money, or at best you will come out even.

I use cash. A lot of places give a discount for cash. Most places will give you the same cash discount if you write them out a check. I have my checking account at the same home town small bank that I have been banking at for 40 years. It's free checking.

We currently use Huntington Bank. 3% back on fuel purchases.

For all other purchases we use our BP Visa. Then fill the truck on the 22nd of every month for double rewards.

It is a lot of fun and a little weird to buy diesel for 10cents/gallon. To watch the fuel meter spin away and watch the price meter go tick,,,,,,tick,,,,,tick,,,, LOL

Takes me back to the 60's when we were paying 19 cents/gallon for gas.

CavemanCharlie wrote:
I can't believe any of this stuff really works. How can the company's make money if they are not charging you money in some way. There is always a catch out there somewhere that is going to cost you money, or at best you will come out even.

I use cash. A lot of places give a discount for cash. Most places will give you the same cash discount if you write them out a check. I have my checking account at the same home town small bank that I have been banking at for 40 years. It's free checking.

You do know that the merchants pay a fee to the card issuer/processor for each transaction, right?

I've yet to see a cash discount that equals the 5% PenFed Visa cash fuel rebate I've been getting since 2008. If there's a catch, I haven't seen it yet. They did change the rules awhile back for the cash rewards card though, requiring having one of several other accounts with them to retain the 5% level. Just sticking $25 in an interest bearing Money Market Savings Account took care of that qualification. Our PenFed Visa rebates average about $50/month, making it about $3000 we've saved over the past 5 years by using the card.

We use Discover for EVERYTHING we can and get ~$600 back each year. We use the cash back $$ for Christmas purchases.