I was watching the new Apple WWDC and this segment on Apple Wallet's integration with cards and points and whatall got me thinking about my purchasing methods.

Around 50% or more of my in-person purchases are in cash. Most of my online purchases are by card, but some are by e-check. Now, I'm not some huge spender so I'm not going to be earning free hotel rooms or flights, but am I missing out on anything?

Also, I realized something. When you make big transactions online, sometimes you have credit card fees that'd be a significant enough amount to make you use a check or wire it, but do you any of you have cards which make it worth it in points?

6/30/2025 10:14:48 AM

6/30/2025 11:50:45 AM

^lol, I thought about that guy during the draft.

Back when I was in college, I barely had enough money on my campus card (what was it called???) to buy a pack of noodles from the C-Store. I didn't even have a credit or debit card and hardly ever purchased anything off campus. At least the first couple years.

6/30/2025 12:36:21 PM

I have a card that makes it worth it to pay my property taxes on a credit card. The "convenience fee" was 1.75%, but the cash back was 2.00%. I also benefit from the fee itself, because I earn 2.00% on the fee which is charged separately.

6/30/2025 12:57:48 PM

I use cash about 3 times per year now

6/30/2025 1:33:20 PM

Credit card is 100% of my yearly transactions. I always have a twenty in my wallet just in case, rarely used.

If you don’t payoff each month, it is not worth it. If you do payoff each month then it’s worth it.

The rewards from credit card transactions generally equal the cost of the cc fee for those transactions that force a fee.

6/30/2025 3:06:38 PM