Best Reward / Cash Back Credit Cards

Best Reward / Cash Back Credit Cards

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Wanted to put in a kind word here, regarding rewards, for the Keesler Visa Signature card. I am still new to the card so uncertainty attaches to the exact magnitude of my rewards, though I am receiving 2% at minimum. I’m also in rather a state of hiatus at present regarding use of the card. So not much additional data is incoming.

Nevertheless, I like the card and I believe Keesler is treating me more than fairly. If you have a rewards orientation where credit cards are concerned, as opposed to a bonus orientation, I urge you to have a look at the Keesler Visa Signature. I think you will like the card, and even more so if you can decipher precisely their rewards algorithm, a feat which thus far has eluded me.

Got a new offer from Wells Fargo for 10 Bonus Pts/$1 on first grocery store purchase, up to 4000 “Go Far” points.

The only card I have from WF is a Propel (Amex) card which is in the socks drawer now.

What’s special about the Keesler 2% card vs all the other 2% cards? I’ve been using the State Department FCU’s 2% card and it seems sufficient.

Our friend shinobi is a collector. It’s not one or the other for him (and many other people here), it’s about adding another tool to the portfolio.


Agreed. Thank you, glitch99.

I believe in load spreading when same can be accomplished without cost. Running up cards big time and then paying them off fully each month does not always go over well with the CC issuers. Better to go in smaller (i.e., charge less each month) . . . provided again it can be accomplished without extra cost. That way you have a lower profile with each of a larger number of cards.

I have been unable to determine, so far, the percentage size of the Keesler reward. It’s at least 2% I’m nearly certain. But it might be higher than that. I will figure it out eventually . . . . . . I hope. :grinning:

Why would it be higher than that?

Why? I dunno

I will know more in a week or two. For my initial rewards payment it seemed as it they were paying me about 4%. That, of course, is silly. Maybe it was some sort of unadvertised bonus they were awarding me . . . just a one time thing. Again, I dunno.

I need to use the card more to get a precise handle on their rewards algorithm. That requires spending money which is for me, temporarily, something of a challenge. So much more will be known in the fullness of time.

Noted in passing regarding rewards management:

Keesler employs a third party firm to manage their rewards program. This firm, once they have been earned, actually moves your rewards back into your Keesler savings account.

I can report MSD FCU (Merck) also employs the same management firm to run their CC rewards program. I do not as yet have an MSD FCU CC, even though I am a member there. Plan for 2020 is to obtain an MSD FCU CC and explore whether or not MSD CC rewards are as good as they appear to be with Keesler.

Just as a heads up, Freedom Credit Union (FCU) is once again running their $200 bonus deal if you get one of their credit cards.

Nota bene: It’s only a 1% card

So why would anyone want to bother with a 1% CC?

It’s the FCU terms. Among all my credit cards, to include also several I once owned and have lost, Freedom has the least stringent terms relating to earning of rewards. In short: if you spend money on your FCU card you get your reward . . . no questions asked, no BS, and no hassles.

What can I tell you; the card has worked for me, and I’m happy always to get my 1% reward like clockwork. Here is a link to the current $200 deal:

Link to $200 FCU deal

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I believe Keesler had a $100 bonus for spending a certain amount.