I neglected to introduce myself in my recent post so I guess I shall do so now. I'm a 23 year old student graduating this week and will be moving locations. I've been financially self-sufficient since graduating high school and plan to be as such as long as possible. I've always shopped around for the highest checking interest rates (Bankrate), highest cash back rewards cards (creditcards.com), and best (safe) returns on equity investments (still figuring this one out).
I currently have a Chase Freedom card that gives 1% all purchases + 2% gas, grocery, quick service restaurant. It also returns $250 when you reach a $200 rewards balance. I also have a Citi Dividend that's 1% all purchases +
1% gas, grocery, drugstore, utilities, but I use this one almost never because it's just a bit weaker than Chase. I'm not a business owner and I have monthly balances of ~$1k or less that I pay off in full.I shopped around for travel rewards cards, but the rewards are all valued at around 2%. I'd like to take vacations maybe twice a year so I figure maybe the 2% might be worth it if I max out rewards on the other cards. What do you all do?
And finally, are there any other cash back rewards cards out there that offer better terms than my cards, without annual fees? Or are some cards with fees actually worth it? Fee cards seem like they give interesting features, but ones that I typically wouldn't seek out.