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NoFilterNoLimits t1_iy909az wrote

I love my American Express

But fwiw, the interest rates are completely irrelevant to me. Rewards are completely negated by carrying any balance & paying interest

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Healthy-Jackfruit-44 OP t1_iy92e2a wrote

Have a hectic life so like to keep things simple. I've never signed up for a reward card as I usually don't have the bandwidth to coordinate my finances (beyond bill payments) to ensure I not only accrue but also use rewards before they expire. Don't reward/cash back cards have higher interest rates? If I forget to pay off a bill I don't want to be paying a ridiculous interest rate. Will keep an open mind and research AMEX. Any particular type of AMEX card to look into? Thx!

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NoFilterNoLimits t1_iy94pax wrote

I have no idea if the rates are higher, mine are all set to autopay the statement balance.

One of the simple cash back cards like Citi or Fidelity may meet some of your needs. I pay an annual fee for my AmEx because it’s worth it to us for the perks

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