ChiefD
Footballguy
My entire bathroom I just remodeled went on that card. Sweet, sweet cash back this year.
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Debit Cards - Does Anyone Still Use One? (1 Viewer)
- Thread starter Mister CIA
- Start date
FairWarning
Footballguy
Just for cash. You want to use a CC otherwise. If you get hacked or skimmed on a CC, its their money they are stealing. It's a PITA to get your money back on a debit card.
-OZ-
Footballguy
To each their own, but I find paying cash for gas to be a pain in the
. I'll gladly take my 6% back on groceries and 5% on gas.
Binky The Doormat
Footballguy
yeah right ...To each their own, but I find paying cash for gas to be a pain in the
I'll gladly take my 6% back on groceries and 5% on gas.
-OZ-
Footballguy
Just guessing, but I think he's doubting you can get 6% back on groceries and 5% back on gas. Which card(s) are you using to get those kinds of rewards? Is that a Costco card or something?
-OZ-
Footballguy
American Express blue for groceries (it does have a $95 annual fee but that's worth it to us)FBG26 said:
USAA American Express for gas. But I've heard others have the same benefit.
A decent place to start if you're actually interested: Nerd wallet
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Nice. We do most of our shopping (grocery and otherwise) at Target and I get 5% off virtually everything using my Target Redcard, but this might be really useful for others.
We've only put maybe 4k miles between both cars since the start of the pandemic, but not a bad idea to look for a good card for gas purchases if I ever start driving again.
Binky The Doormat
Footballguy
ETA: cool - I had some questions but see you answered a lot prior.-OZ- said:
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gobrowns33
Footballguy
Only time I use my debit card is to take out cash. Otherwise always a credit card for 2% cash back. Or if buying groceries my AMEX that gives 6% back at grocery stores.
Chadstroma
Footballguy
Who is giving 6% on groceries and 5% on gas?-OZ- said:To each their own, but I find paying cash for gas to be a pain in the
I'll gladly take my 6% back on groceries and 5% on gas.
-OZ-
Footballguy
Angry Beavers
Footballguy
why use a debit card when you rack up points?
Pre covid I traveled a ton and used 1 card for airline, 1 for hotel and 1 for most else.
Now the airline one the kid has for emergencies while off at college - ok I guess food when he was hungover probably is not the emergency I had in mind, but he doesnt abuse it so ....
and the other two I use for bill pay/grocery/gas/ sams club etc
I carry the debit card but rarely use it unless i am getting cash and honestly with cash. I almost never spend it. I have the same $5 in my fancy going out pants.. i mean my jeans for at least two weeks
Pre covid I traveled a ton and used 1 card for airline, 1 for hotel and 1 for most else.
Now the airline one the kid has for emergencies while off at college - ok I guess food when he was hungover probably is not the emergency I had in mind, but he doesnt abuse it so ....
and the other two I use for bill pay/grocery/gas/ sams club etc
I carry the debit card but rarely use it unless i am getting cash and honestly with cash. I almost never spend it. I have the same $5 in my fancy going out pants.. i mean my jeans for at least two weeks
Chadstroma
Footballguy
I get 4% on our Costco card for gas.
The AMEX for the grocery is compelling though. Do you know if they consider Meijer to be grocery or do they classify it something else? That is where we do most of our grocery shopping at. If they do then I just might add the card to my mix.
The AMEX for the grocery is compelling though. Do you know if they consider Meijer to be grocery or do they classify it something else? That is where we do most of our grocery shopping at. If they do then I just might add the card to my mix.
-OZ-
Footballguy
That's the drawback. I'm not sure about Meijers, but Walmart, Target etc don't get the 6%. Aldi's does, that's over half of our groceries. We just charge Walmart to our 2.5% cash back (another USAA).
Chadstroma
Footballguy
Yea.... that was my concern. Meijer is basically like Walmart and Target. My $100 or so a month from Aldi and $100 every few months of Trader Joes (You MUST try to the Jalapeno Sauce, 75% of that $100 is getting a bunch of those bottles) ain't gonna do it.
USAA is no go for me but I wouldn't pick up another card for an extra 1% on gas all else being equal..... specially now. I went like 6 months on one tank of gas in my Acadia last year. lol (obviously rona but still I don't drive much now)
-OZ-
Footballguy
Understood.
Really though, all I'm saying is that I don't see any reason to use debit cards when CCs are accepted. Maybe if you got a decent discount.
Chadstroma
Footballguy
I don't even carry a debit card. Pointless. I don't carry cash. Pointless. Rewards CC's all day, every day, every time.
