Favorites

Here are some of the financial products that I currently (or will soon) use:

 

American Express Blue Cash Everyday Credit Card

This card gives you 3% back on supermarkets, 2% back on gas, and 1% on everything else, and doesn’t even have an annual fee!  Amex also has a Blue Cash Preferred Credit Card , which does have a $75 annual fee, but you get 6% back on groceries and 3% back on gas.  I did the math and even with the bigger cash rewards, the $75 annual fee wasn’t worth it for the amount I spend.  The only bummer with this is that you have to log onto their rewards site to redeem your cash back.  Also, you can only redeem cash in denominations of $25.  When I signed up, they were running a promotion where if you spent $1,000 in the first 3 months, you’d receive an additional $150 cash back.  It was AWESOME!  Check to see if they’re still doing that when you sign up :)

 

Pentagon Federal Credit Union Platinum Cash Rewards Visa Card

[disclaimer:  you must have some sort of military affiliation to be able to get this card.  There seem to be a ton of different ways that you can prove affiliation, though, so check out the site and see if you qualify! ]

I do not yet have this card– the BF does.  But I’m going to sign up for it ASAP!  This is one of the best cards you can get for buying gas.  This will give you 5% cash back on any gas purchases and .25% back on anything else.  I don’t have this card at the moment, but will be applying for it soon and using it solely for gas purchases (since my Amex Blue Cash gets much higher rewards for everything else than this one does).  The best thing about this card is the AUTOMATIC cash back- it returns the money straight into your account each month, rather than you having to log in and redeem the reward.

 

Mint.com

As I wrote in this post, I love Mint.  It’s a site where you can link all your online accounts (checking, saving, credit cards, loans, etc) to see one big picture of your net worth.  It tracks each individual transaction automatically, and you can enter additional cash transactions if necessary.  (and there is a phone app, too!).  I log on a few times a week and then use it each month to compile my monthly spending overview.

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