Friday, February 28, 2014

The 12 Best Credit Cards (Military Style)



I have over 15 credit cards. I've accumulated them because of their great benefits or sign up bonuses. In the process, I can now earn 5% back on almost every purchase i make. Right now I am earning 5% back on: GasGroceriesRestaurantsFast FoodOffice StoresCableInternetPhone BillDrug StoresFitness StoresTravelBook StoresMovies

MILITARY INFO: With SCRA Benefits many of these credit cards are amazing! For example, some of these cards have $495 annual fees, but these are waived every year due to military status. Even though the annual fee is waived you still get the great benefits like $200 credits and free priority pass membership or free hotel room nights every year. 

Here are some of my credit cards

If you want to learn more about each credit card I use, I have numbered them above with the descriptions below. I have included three areas of breakdown for each card: 1.) Benefits, 2.) Annual Fees, 3.) Bonuses

  1. American Express Cash Preferred
    • Benefits: 6%(Groceries), 3%(Gas + Department Stores)
    • Annual fee: $75 but you can get that waived via the SCRA benefits for being a military member. 
    • Sign up bonus: $150. Email me (d4military@gmail.com) and i'll send you an email back with a member invitation and i'll split the $50 referral bonus they give me so i'll give you $25 in addition so your sign up bonus will be $175
  2. American Express Platinum
    • Benefits: $200 Airline credit every year, Free Priority Pass membership. 
    • Annual fee: $495 but you can get that waived via the SCRA benefits for being a military member. 
    • Sign up bonus: $250. Email me and  i'll send you an email back with a member invitation and i'll split the $75 referral bonus they give me so i'll give you $40 in addition so your sign up bonus will be $290
  3. Discover it®
    • Benefits: has rotating 5% cash back categories (Restaurants, Fast Food, Movies). Free Monthly FICO Score. 0% Intro APR* for 14 months on purchases and balance transfers.
    • Annual fee: None 
    • Sign up bonus: $50
    • Barclaycard Arrival™ World MasterCard®
      • Benefits: 2.2 miles on all purchases. 
      • Annual fee: $89(waived for the first year!). Also military members never pay an annual fee because Barclay will waive it with SCRA benefits
      • Sign up bonus: 40,000 bonus miles
    • Citi Dividend
      • Benefits: Has rotating 5% cash back categories (Now - Macy's, Fitness stores, Drug stores)
      • Annual fee: None 
      • Sign up bonus: $100 cash bonus
    • Chase Freedom
      • Benefits: Has rotating 5% cash back categories (Now - Gas, Movies, Starbucks)
      • Annual fee: None 
      • Sign up bonus: $100 cash bonus
    • IHG Rewards Club Card
      • Benefits: One free night per year. 5points/$ at their hotels. 
      • Annual fee: $49 (waived the 1st year) but you can get that waived via the SCRA benefits for being a military member. 
      • Sign up bonus: 60,000 point bonus. 
      • Penfed Premium Travel Rewards
        • Benefits: 5% back on Airfare.  
        • Annual fee: None
        • Sign up bonus: 20,000 point bonus.
      • Chase Ink Business
        • Benefits: 5% back at Office Stores, Phone, Cable, Internet.  
        • Annual fee: None
        • Sign up bonus: $200 cash bonus
      • USAA Cash Rewards® Visa®
        • Benefits: Bonus offers for an additional 5% back on gas.  
        • Annual fee: None
        • Sign up bonus: None
      • Fidelity Reward Credit Card
        • Benefits: 2% back on EVERYTHING  
        • Annual fee: None
        • Sign up bonus: $75 (LIMITED TIME ONLY)
      • Penfed Platinum Rewards
        • Benefits: 5% Gas, 3% Grocery yearround
        • Annual fee: None
        • Sign up bonus: None

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