What should I buy bros?
>>62446724one day of groceries
>>62446724I can't believe people still use cash when you can use a credit card for your regular purchases and collect the cash back.
>>62446943You think gme tards and pmg losers can remember to pay their bill?
>>62446943only poor people care about 3% cashback. they're also most likely to fail paying their bill at the end of the month which. that's why this cashback shit is so aggressively advertised to them.
>>62446724>What should I buy bros?gas and groceries
>>62447242only poor people worry about credit card debt
>>62446724>>62446943>>62447242 I use Paypal's debit card which gives 5% back if you choose groceries as a category but you can choose gas as a category which if you also use the app Upside you will net 10-11% off all gas. If you have a wife, have her get the grocery one and you get the gas one and coordinate, but Aven's credit card gives 6%. But do not use your Paypal for anything dumb and do NOT keep a lot of money on it. They are the WORST customer service I have ever experienced BY FAR and when a problem happens they can't tell you why and just say the system will let them know which is an enshitty indian coded flag system. I use it for groceries and on deals they offer. As long as you are not a retard and settle the principle without exception, you are a retard to not use multiple of these.>BOA Premium Rewards Elite (3.28% on everything, 4.375% on travel and dining)>Gold card (4x dining)>Platinum card (kinda over hyped but with the credits it's good for lounge access)>Capital One Venture X (best lounges, mogs centurion)>Alaska Summit Card (3x on rent and foreign purchases, good alaska benefits)>Aven 6% grocery card>Prime 5% Amazon card>Onepay shitty Walmart card>Three BOA CCR (5.25% on "online" purchases)>Three Citi custom cash>Us bank cash+ (5% on utilities)>Future Card (5% on home electricity and utilities, capped at $5 a month)>At&t access more (3x on online purchases)>Shitty AA, Delta card>Free United cardCobble these together and use each one where it makes sense and pay off ALL principle in real time and you can earn 5% minimum on almost all spending which amounts to a lot in spending a year and a minimum 5% discount off price of living that you can save at the expense of beating jewish parasites at their own game and keep in your savings.>>62447267Only retards who don't know Robinhood's core business is selling their orderflow data to hedgefunds and market makers who front run and send their trades to dark pools use Robinhood.
>>62447304>>Three Citi custom cashI only have two, perhaps I should get a third. I already have most things covered by 5% cards though, and 3% for pretty much everything else
Check out etherfi. Debit card with cashback, fund with USDC
>>62447304Bloody hell do you carry a suitcase full of cards with you, I never bother with cards and scan codes and shite
>>62447242You’re a financially illiterate retard.
>>62446943Some of us do not care about good boy points or cash back. Put the leash around your neck!
>>62447304BOA Premium Rewards Elite, I don't see 3.28% return on everything or even travel. And $550 annual seems like it's filling the slot of a travel card. I would say Chase Sapphire Reserve beats Venture X, AmEx Platinum, and Robinhood Platinum (this is what poor people would actually use). But Robinhood Gold and the 3% back on everything is legit. Great for convenience stores, wholesale like Costco or Sams, and utility bills. It's my go to general purpose card. And since there is no annual fee or rewards cap, I use the Verizon Visa for 4% back on Groceries, Restaurants, and Gas. But that Paypal Debit sounds nice. So you can stack 10-11% for groceries if you wanted?
>>62447399Wait. No, I see it's up to $1,000 a month. Yeah, that's a pretty shitty cap for a family. I'll stick with the Verizon. I also use Visa Prime from Amazon Prime because why not.
>>62446724Thats basically nothing. I have 2 credit cards, two I don't use any more since they're out of the 0% interest period.Combined credit limit of £20,000 ($26,771).
>>624474273 credit cards*
>>62447242These small things add up over time anon and thats how you become rich.
>>62447802>>624472423% back is 3% back. Unless you're so ungodly rich more money means nothing to you, bending over to pick up hundred dollar bills loses you money, 3% is great. If you're merely rich and spend $1MM a year 3% is a solid $30,000, that's like what you spent on a week in hotels in Japan.It's actually for the ultra poors that cashback cards don't make that much sense. If you spend $500 a month on credit card expenses getting another $5, $10 back versus a lesser card means relatively little, and importantly, there's plenty of other things a poor could do during that time to improve his life and earnings.
>>62447917>If you're merely rich and spend $1MM a year 3% is a solid $30,000if you spend 1 million a year you don't bother which credit card to pick when paying for groceries or dinner. it does make sense for a single mother with 4 niglets who spends 60% of her income on groceries and they love offering it to her because she probably fucks this up and misses some payments down the road.
>>62446724First thing I did was spend $20 on random online shit then payed it off worked up to a trans union of 789
Just get any 2% cash back no annual fee card and don't waste your time thinking about using which card where. You'll find certain places not coded right which makes you not get the increased % back which wastes more of your time looking into and won't be changed anyway.
I misread rewards as retards.
>>62447304imagine being this autistic and schizoid
>>62447242>only poor people scrape whenever they canInsane brainlet take holy fuck.
>>62447304is this nigga for real?
