This is intriguing. Are you a coupon guy too? I could never develop the discipline. I had a friend that once he retired, covered his property taxes with the savings from coupons he clipped.

I've had a Chase Sapphire Reserve for a few years. It cost $450/years, but for me it was by far the best deal.

I always swore I would never pay for a credit card...until a coworker made me actually run the numbers on what using this card, vs the best "free" reward card that was using.

I travel a lot (at least in the normal world) and fly internationally fairly often. I run anywhere from $2000 - $10,000 a month in work travel expenses across it, plus all of our personal travel and dining. So I am running $80K - $100K in travel and dining across a year

They refund your first $300 spend on travel.
They refund your $100 Global entry fee every three years.

Last year I got over $2,400 cash back from the card

3% back on travel and dining (even fast food), rental cars parking, hotel. Unlike many cash reward cards, there is no monthly or annual limit on cash back.
1% on every thing less
Points can be used as payments on your account or transferred to you checking.
The card provide PRIMARY Loss\Damage cover on rental cars. If you rent enough, you will eventually has an issue. Other cards with rental coverage are secondary to your personal insurance. this card means you personal insurance does not go up because of a rental claim.
The card provides a very well rounded travel protection suite. Travel interruption, travel delay, emergency medical air evacuation, lost or delayed luggage. Throw in purchase insurance to the mix.
If you book vacations through their travel service, you get 150% credit for you money. A $500 plane ticket cost you $333 in reward points.
You also get a Priority Pass Select membership, which gives you and two traveling companions free access to airport lounges. Free booze, free food, wifi, showers at some locations.

My business card has 1 year interest free. Obviously I never touch that but it’s nice to know I don’t have to worry about interest charges

Exactly. I mean not a credit card fan but I’m either spending money on a debit card for my business and earn nothing or use my business credit card and earn cash back at a pretty damn good rate.

What type of business are you running? Home based business?

Auto-Pay? Once you get paid by the credit card holder most credit card processors take the money directly from the transaction. Some bigger ones like Bank Of American Merchant Service also charge you a equipment fee and monthly service charge.

Your post is nonsense

My charges today will go to Chase on October 12.

So you are saying you are using your credit card to pay bills. Not to collect sales revenue from?

I'm using it for both.

What do you sell?

I am in the wholesale battery business and I quote the customer an additional 2.5% for using Visa/MasterCard/Discover and 3.5% for Amex. Our average transaction is around $3K, but we have done several $40K to $60K credit card transactions.

Everyone loves their points/miles/rewards so they just pay the additonal fee.

The OP never mentioned selling anything. I looked it up for you. Here you go.

Nice try to deflect. You were answering RedRanger. Don't try that confused old man routine with me.

I was referring to the OP. I would have quoted RedRanger if I was referring to him. Its pretty simple. Your first two choices are Reply and Quote.

Life is too short.

Especially if it goes down as a business expense and you're benefiting personally on the points.

If I buy something on say gunbroker for $1000 and they charge a 3% cc fee I’ll gladly pay it. $30 right then and there is a lot easier than going and buying a money order and having to mail it off. Now obviously that fee is much higher at $40k.

Citi Costco Visa and Citi AAdvantage Executive World Elite Master Card.

I'm the same way. The points are nice, but I'm really paying for the convenience.

I've got the AAdvantage Executive, as well, but am thinking about cancelling it. I haven't been to an airport since March and they haven't done anything to compensate for the complete lack of benefit I'm getting from a very expensive card.

I used to have an AmericanAirlines Citi card that we used miles for but AA pre-Wuflu started jacking with mileage when you redeemed them for flights and I got tired of it. We now use a Wells Fargo Signature VISA. We have used those points to redeem for airfare and we get better flights at better costs with it than we did the AA card. Up to this point we’ve only used it to redeem airfare but all the stuff going this year who knows what we’ll do with them...right now, we are sitting on a bank of them. My wife has used two flights thus far this year one pre-Wuflu and one during that was a short notice necessary trip.

I should spend more time reviewing to see if there is a better deal but right now we are satisfied and I haven’t looked elsewhere in a couple years.

I understand why some folks dont like Credit Cards.

But used properly, they are great. You can get rewards, if you pay them off they cost you nothing, having those easily accessible lines of credit are great in case of an unexpected emergency etc.

Another BIG advantage folks overlook is the protection they offer you in case of billing disputes or fraudulent charges. If you are using a credit card, and you dont get your products, or you are over-billed, or there are charges you did not make etc. the credit card company will get that money right back from the merchant, like no problem, because its not your money, its THEIR money.

Now if you use a debit card and have this type of situation, its MUCH harder to resolve, you do not have the same level of protection.

"Nailed it."

That's a very good point. I recently had a GunBroker deal go south. I got on my app and disputed the charge. A day or two, and they reversed the charge, no problem. My bank wouldn't have done that with a debit charge.

I have had no problem this year with any of the destinations I have gone. Most flights have been half full. Only one was jam packed but I'm EP so no concern for me.

Been there myself. Also, much better on returns.