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I don’t know why so many are caught up on the interest rate. You shouldn’t keep a balance on your credit card and should pay it off every month. No rewards card will ever come close to a good thing if you ever pay interest on it.

It’s also 5 points per dollar when spending at Microsoft, which is 5% back and a good deal. Majority of cards are 1% base with a bonus if you shop at their store. This card is pretty standard for the industry.

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DarkWasp@lemmy.world ⁨9⁩ ⁨months⁩ ago
Some people can’t do this or had an emergency and needed to use their credit card. Lower interest rates are manageable.

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bob_wiley@lemmy.world ⁨9⁩ ⁨months⁩ ago
[deleted]
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- ScoobyDoo27@lemm.ee ⁨9⁩ ⁨months⁩ ago
  Doesn’t matter to me. I have like 10 different credit cards to get the best cash back depending where I’m shopping. Currently the best I get at Microsoft would be 2% so this is a pretty sweet card.
  
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  - SeriesOfTubers@lemmy.world ⁨9⁩ ⁨months⁩ ago
    Yes but if you need 1500 points at minimum before you can cash out, that means you aren’t seeing any cash back until you’ve spent $300 at Microsoft. The payout might be bigger, but you have to wait a lot longer to get it.
    
    If that’s worth it for you, that’s great! But if I’m spend $60 at Microsoft a few times a year, I might rather just have $1.20 next month that I can spend on many things than $3.00 in two years that I can only spend at Microsoft.
    
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  - bob_wiley@lemmy.world ⁨9⁩ ⁨months⁩ ago
    [deleted]
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    Sludgeyy@lemmy.world ⁨9⁩ ⁨months⁩ ago
    You want a ton of cards to get good credit
    
    5% is a lot bigger than 1%
    
    Rewards add up
    
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ripcord@kbin.social ⁨9⁩ ⁨months⁩ ago
This specifically says 1 point per dollar

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