What credit card do you recommend?

chhull00 · July 12, 2025 3:18PM

Just curious to how I should pay for my collections,are there statiges points cash back, are there some cards better to use than others I would be interested in how to maximize my purchases if anyone has thought on this I would love to hear your thoughts on this subject.

Catbert · July 12, 2025 3:21PM

You are going to pay 3% plus more for a coin by using a credit card which will exceed whatever points or cash back value realized by using it. Pay cash or, consider Paypal same as cash payback option (works with GC, but not other auction houses).

MsMorrisine · July 12, 2025 3:23PM

where do you plan to use the credit card?

chhull00 · July 12, 2025 3:29PM

@MsMorrisine said:
where do you plan to use the credit card?

Maybe anywhere,i was just curious if anyone had any way of accumulate cash back points or whatever,say maybe a credit card with 3% on online stores or such.

pcgsregistrycollector · July 12, 2025 3:32PM

@chhull00 said:
Just curious to how I should pay for my collections,are there statiges points cash back, are there some cards better to use than others I would be interested in how to maximize my purchases if anyone has thought on this I would love to hear your thoughts on this subject.

seatedlib3991 · July 12, 2025 3:57PM

I always use my wife's Sears credit card. She has had it since 1985 and I have learned over the years we get special beebitis no one else offers. (such as 100 percent coverage on coins lost or stolen in transit). James

jmlanzaf · July 12, 2025 5:34PM

@seatedlib3991 said:
I always use my wife's Sears credit card. She has had it since 1985 and I have learned over the years we get special beebitis no one else offers. (such as 100 percent coverage on coins lost or stolen in transit). James

Sears?

MsMorrisine · July 12, 2025 5:55PM

i couldn't believe it either

here is the info:

The Sears Mastercard® is getting a new look and name.
Starting April 12, 2025, The Sears Mastercard will be renamed the Citi ThankYou® Mastercard®.

https://citicards.citi.com/crs/CitiThankYou/info/default.htm

keep you old card! maybe you can sell it on ebay!!. just don't do what this one did!!! lol: https://www.ebay.com/itm/286551768422

that one isn't old enough anyway. here are the cards of dreams: https://www.ebay.com/itm/365718621329 << did the same thing!!!! lol

alaura22 · July 12, 2025 6:00PM

Capital One, low interest rate and cash back. I use it ALL the time

alaura22 · July 12, 2025 6:03PM

@Catbert said:
You are going to pay 3% plus more for a coin by using a credit card which will exceed whatever points or cash back value realized by using it. Pay cash or, consider Paypal same as cash payback option (works with GC, but not other auction houses).

Be very careful with Paypal, if you don't pay off the balance within the 6 months the interest rate is over 30%

PeakRarities · July 12, 2025 7:22PM

I use one of 5 cards depending on the rewards program-

Chase business preferred- 3x points on travel, internet, cable & phone, and shipping services (FedEx/usps). When using this card to pay PCGS invoices, whatever merchant code they use enables the 3x, so if I spend $1000 on grading, I get 3000 points in my rewards account. When booking flights or hotels using chase travel, those points can be worth anywhere from .015 to .018 each, so it’s actually around $50 of value which would be basically 5% cash back. 1x on everything else. Also, complimentary DoorDash dash pass membership, cell phone insurance, and post collision rental car coverage for 31 days. No annual fee.

I think you can get 200,000 bonus points and I’ll get 20,000 if anyone signs up with this referral link -

https://www.referyourchasecard.com/21u/AV4EI27TOY

Amazon prime visa - 5% cash back on all Amazon purchases with an Amazon prime account, 5% back using Chase travel (if not using points already), 2% back at all gas stations and restaurants, roadside assistance, travel accident insurance, lost luggage insurance,1% back on everything else. No annual fee.

Anyone who uses this referral link will get both of us a $50 gift card -

https://www.amazon.com/dp/BT00LN946S?externalReferenceId=f3bea24c-b3db-4a28-8e85-3463f731db12

Discover (now owned by capital one)-5% back on rotating schedule of quarterly promotions. Last quarter was grocery stores and wholesale clubs, this month is gas stations and utilities. No point system, just a cash balance you can apply to your statement or use to shop. They also match all cash back earned the first year, I think I had about $650 that was matched for a total of $1300 my first year. No annual fee.

$100 credit for both of us if anyone applies with this link- (sorry it’s long)

https://www.discovercard.com/application/website/apply?extole_zone_shareable_code=ddecker2695&extole_share_channel=SMS&extole_zone_name=blank&extole_zone_click_event_id=7526382364965418584&srcCde=GJVJ&cmpgnid=raf-dca-consumer-it&scmpgnid=7507014310304887932_7526382126648694233&iq_id=yraf_1500849519_sm_88_297772450486&extole_shareable_code=ddecker2695&source=RAF

Apple Card (Goldman Sachs) - 3% back on any Apple products like Apple TV or Apple Music, and 3% with partners such as ace hardware, uber, or Walgreens. 2% back anytime used with Apple Pay, 1% with everything else. No annual fee.

$75 with your first purchase if you apply with this link (no reward on my end) -

https://apple.co/referdailycash

Fidelity visa- unlimited 2% cash back on everything, but it works best if you already have a fidelity brokerage account. This is the one I use when it’s something that doesn’t qualify for anything above at 2-5%, there are no limitations on merchant codes here. No annual fee.

Every credit card purchase I make is getting at least 2% cash back no matter what. Anyone who doesn’t take advantage of credit card rewards when you don’t have to pay a fee to use them is leaving money on the table, pretty much all of my flights and hotels are covered fully by points these days. If you choose to only use cash or a debit card, you’re just subsidizing all the people like me that utilize the points for free benefits when you pay the balances off in full every month. None of them have annual fees, and I get cell phone insurance, rental coverage, free dash pass memberships, free Netflix, and all types of stuff by using them properly.

PeakRarities · July 12, 2025 7:33PM

Here’s a huge submission I just had with PCGS, I’ll end up getting over 5% back towards hotels and flights-

seatedlib3991 · July 12, 2025 8:09PM

Yes Sears. What is more we have always gotten all our warranties doubled. 100% coverage for anything lost or stolen (including coins). I didn't know this wasn't common until someone on here pointed it out. They have also replaced a 5 year old garbage disposal. A 4 year old Dishwasher. A 6 year old stove and a 4 year old washing machine. All at no cost. james

U1chicago · July 12, 2025 8:35PM

There is a Bank of America card that has 3% in a category of your choice on the first $2,500 spent per quarter (so you can choose online shopping and it will cover eBay/paypal purchases). Right now it also has a first year bonus that makes it 6%.

Bank of America Customized Cash Rewards Credit Card
https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card/

There is also a Chase card that has 5% in rotating categories on the first $1,500 spent per quarter. One quarter usually includes paypal.

Chase Freedom Flex
https://www.chase.com/personal/credit-cards/freedom/flex

PeakRarities · July 12, 2025 8:44PM

@seatedlib3991 said:
Yes Sears. What is more we have always gotten all our warranties doubled. 100% coverage for anything lost or stolen (including coins). I didn't know this wasn't common until someone on here pointed it out. They have also replaced a 5 year old garbage disposal. A 4 year old Dishwasher. A 6 year old stove and a 4 year old washing machine. All at no cost. james

Protection against purchases made with credit cards is common, but just like anything else, there are exclusions in the fine print. Have you ever had to file a claim for a purchase of a coin? I see two things that look like that would not be the case-

$1,000 limit per instance, so that seems sort of low compared to the equivalent chase limit of $10,000 per instance. Both explicitly say they are only secondary to any other types of insurance.

Citi (sears)————————Chase

Both appear to exclude rare or collectible coins in one way or another, depending on how they chose to word it. They also exclude anything under the care of USPS or any other shipping service. That part is what I don’t understand, because that would essentially exclude anything you purchase online. So regardless of the limit being much lower than Chase, neither look like they would be much help with a coin shipping incident.

Citi (sears)————————Chase

I’ve said it once and I’ll say it again….if anyone values their sanity and sense of inner peace, DO NOT rely on USPS insurance unless you’re using registered, but even registered isn’t 100% foolproof though its much safer than priority mail. Use Hugh wood, pirate ship, or some other 3rd party that has a proven track record of handling coin claims properly and without resistance.

Clackamas1 · July 12, 2025 9:18PM

Mine has Franklin on the front.

DisneyFan · July 12, 2025 9:18PM

@U1chicago said:
There is a Bank of America card that has 3% in a category of your choice on the first $2,500 spent per quarter (so you can choose online shopping and it will cover eBay/paypal purchases). Right now it also has a first year bonus that makes it 6%.

Bank of America Customized Cash Rewards Credit Card
https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card/

There is also a Chase card that has 5% in rotating categories on the first $1,500 spent per quarter. One quarter usually includes paypal.

Chase Freedom Flex
https://www.chase.com/personal/credit-cards/freedom/flex

Link that Bank of America Credit card with their Merrill Edge brokerage account and you could get up to 5.25% back on internet purchases.

Clackamas1 · July 12, 2025 9:20PM

Mine has Franklin on the front. I hate credit cards, charge cards, cards period. It is interesting that the US Government won't take cash when entering a national park. Why? They want a record of who is there.

PeakRarities · July 12, 2025 9:39PM

@Clackamas1 said:
Mine has Franklin on the front. I hate credit cards, charge cards, cards period. It is interesting that the US Government won't take cash when entering a national park. Why? They want a record of who is there.

Do you carry a cell phone? Did you drive your car there? Do you wear a mask or cover your face everywhere you go that has security cameras? Just using cash is not enough to prevent surveillance anymore, I’m afraid that ship has sailed.

PeakRarities · July 12, 2025 9:44PM

Not to mention how much more difficult it would be to write off expenses when filing taxes….

asheland · July 13, 2025 12:13AM

I have three credit cards. My most recent is Apple Card through Goldman Sachs, every time I use it through Apple Pay I get 2% back and if I use the physical card, I get one percent back so everything you use it for, you get something back.

What’s cooler still is it automatically is sent to my Apple Cash so I have a little account that’s just constantly building up money… obviously you’ll get better deals occasionally using cash especially at coin shops. There are some things that cash or card. It’s the same price so I figure hey, use the card…

I pay it off in full every month, usually every week so I’ve not paid one penny in interest.

Another thing that is cool is it only has my name on it there’s no physical number on the card, so if you send it off at a restaurant where it goes out of sight to be run, people can’t take pictures of it and have your information. it’s a very secure card.

seatedlib3991 · July 13, 2025 5:14AM

@PeakRarities . Yes. I have had 2 coins stolen. In both cases they just said, "I'm sorry this happened to you" and gave an immediate refund. Someone else pointed out stuff not being covered but I am guessing we have some sort of coverage that is grandfathered in from that original account. Otherwise than that I don't poke sleeping bears. James

mr1931S · July 13, 2025 5:26AM

I don't recommend ever using credit card for coin purchase. CASH is the only way to go, in my opinion. Okay, go ahead and use your bank card if you have to.

Downtown1974 · July 13, 2025 5:41AM

My days of paying loan interest to banks are over. Leaves me more money for coins.

Morgan13 · July 13, 2025 6:05AM

I use credit cards to pay for coins. I do it through PayPal and I get paypal rewards. $6.00 this month.
Im not a big spender or high roller.
I try to pay my card off each month depending on what I have purchased. Sometime 2 or 3 months.
It's worth it to me if I like the coin.
I do bring some cash to local shows. For some reason dealers are so much more flexible with cash.
Sometimes a coin will show up that I must have and if possible I will stretch. I'll work plenty of overtime to make up for it and get it paid!
It's cool to think I'm working a 16 hour weekend for a coin. Im definetly motivated!

jmlanzaf · July 13, 2025 6:19AM

@mr1931S said:
I don't recommend ever using credit card for coin purchase. CASH is the only way to go, in my opinion. Okay, go ahead and use your bank card if you have to.

Because...

Using a credit card that you pay off monthly is better than cash as long as the vendor doesn't charge a convenience charge. You get cash back and other perks that don't exist with cash. You have buyer protections that don't exist with cash.

Catbert · July 13, 2025 6:50AM

This thread is a stretch for being on-topic, IMO.

jmlanzaf · July 13, 2025 7:47AM

@Catbert said:
This thread is a stretch for being on-topic, IMO.

And not unusual in that respect.

skier07 · July 13, 2025 8:25AM

I use a SOFI Mastercard. No fee and 2% cash back on everything. I also get a 10% discount on everything I purchase at SOFI Stadium in LA excluding alcohol. I go to a lot of football games.

lermish · July 13, 2025 8:32AM

@jmlanzaf said:

@Catbert said:
This thread is a stretch for being on-topic, IMO.

And not unusual in that respect.

I'm surprised we have heard so little from the "debt is evil! credit cards ruined my life! i don't understand that if I pay off a credit card every month i don't pay interest and earn valuable rewards!!!!?!" contingent.

Gonfunko · July 13, 2025 9:07AM

There's (unsurprisingly) communities who are just as into optimizing credit card rewards as we're into coins, but it's worth taking some time to at least get a decent lineup. PeakRarities' suggestions and the Bank of America cards mentioned upthread are good choices. I mostly use the (now discontinued) US Bank Altitude Reserve for coin purchases, since it has an effective 4.5% earning rate on any Apple Pay purchase, which eBay and several dealers I often buy from support. I use it for my property tax too – the county charges an extra fee for card payments, but it's less than 4.5%, so I still wind up getting about $200 back.

jmlanzaf · July 13, 2025 9:17AM

@lermish said:

@jmlanzaf said:

@Catbert said:
This thread is a stretch for being on-topic, IMO.

And not unusual in that respect.

I'm surprised we have heard so little from the "debt is evil! credit cards ruined my life! i don't understand that if I pay off a credit card every month i don't pay interest and earn valuable rewards!!!!?!" contingent.

Say it 3x and they'll arrive...

Coins3675 · July 13, 2025 10:19AM

Does anyone here use the AMPEX bullion card?

Morgan White · July 13, 2025 10:24AM

Debt is evil and credit cards ruined my life!

DisneyFan · July 13, 2025 10:29AM

@Catbert said:
This thread is a stretch for being on-topic, IMO.

No disrespect; but, for me, those credit card rebates fund a significant part of my coin purchases. They really come in handy when there are big bills and no discounts for cash. And I payoff my no annual fees cards each month.

Old_Collector · July 13, 2025 10:39AM

@Morgan White said:
Debt is evil and credit cards ruined my life!

It's all about self control and only charging what you can pay off each month. Been doing that since 1973, never paid a penny of interest or a card fee. I have only one credit card Cap One SPARK Business 2% off everything (no limit and a bunch of free insurance things that have paid off a rental car that got totaled by an idiot running a red) automatically applied each time it hits $25 and my wife has an employee card. Yup, I write lots of things off and this makes it easy. Although I do pay cash for all yard work and jobs around the house where they will give me a 5% or better discount.

alaura22 · July 13, 2025 1:57PM

I have cut down on my credit cards, I'm down to 14 from 18
I use them all the time , as long as you use them correctly.
I take advantage of the points they reward and the balance transfers that some of them offer.
One of them just offered a zero interest rate for 21 months with a 3% transfer fee, that card I have $26,000 available credit line. If they want to let me transfer $26,000 dollars for $780 over 21 months I'll take it. You must have discipline and use them to your advantage.
Anyone not using them is foolish, IMHO

MsMorrisine · July 13, 2025 2:36PM

there used to be 0% transfer fees. easy money

alaura22 · July 13, 2025 2:40PM

@MsMorrisine said:
there used to be 0% transfer fees. easy money

There used to be 25 cents a gallon for gas to...............

MsMorrisine · July 13, 2025 2:42PM

but that wasn't easy money. and i'd mention flipping stuff other than coins, but that's not the thread topic

chhull00 · July 13, 2025 11:55PM

So most places charge 3%> @PeakRarities said:

Here’s a huge submission I just had with PCGS, I’ll end up getting over 5% back towards hotels and flights-

Wow

What credit card do you recommend?

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