so yeah, aside from getting some card that doesn't have fees, i'd say:
the thing with miles cards is: if it takes 25,000 miles to do anything useful that's $25000 of spending for a free trip (less if you get double and triple miles, though) so you're probably getting a 1-2% return rate
hoever, with some cash back (or gift certificate back) card, you can do stuff like save money on christmas and birthday presents and get a quicker return. you can then save that saved money and give it to charity or a travel fund.
and i went with B just because i hate working assets i like the concept i hate getting more stuff in my mail from them than junk mail sometimes. and since i quit with them, the "come back" mail has been even worse
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Date: 2004-09-27 03:20 pm (UTC)From:the thing with miles cards is:
if it takes 25,000 miles to do anything useful
that's $25000 of spending for a free trip
(less if you get double and triple miles, though)
so you're probably getting a 1-2% return rate
hoever, with some cash back (or gift certificate back) card, you can do stuff like save money on christmas and birthday presents and get a quicker return. you can then save that saved money and give it to charity or a travel fund.
and i went with B just because i hate working assets
i like the concept
i hate getting more stuff in my mail from them than junk mail sometimes. and since i quit with them, the "come back" mail has been even worse