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Plus you get fuel rewards. I have friends who (like us) buy everything on amazon. But they use a %5 grocery cash back card to buy amazon cards and get fuel points too. Holiday promotions like the one posted above allow them to triple dip on rewards
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Nov 16, 2013 02:09
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I assume BCP is harder to get? I'm afraid I wouldn't get approved for an Amex and the hard pull will hurt me otherwise. The BCE also has no interest on transfers, so that'd be win/win. The card I already have is with Capital One though so that'd definitely be an easy fall back option.
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Nov 17, 2013 20:37
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xie posted:I assume BCP is harder to get? I'm afraid I wouldn't get approved for an Amex and the hard pull will hurt me otherwise. The BCE also has no interest on transfers, so that'd be win/win. Credit Karma shows the average credit rating approved for both Amex BC Everyday and Preferred, and it'll give you a direct link to sign up if your Credit Karma rating is within range EDIT: Credit Karma says... Blue Cash Preferred - 734 is the average score approved, 684 is the lowest score approved Blue Cash Everyday - 736 is the average score approved, 683 is the lowest score approved EugeneJ fucked around with this message at 22:15 on Nov 17, 2013 |
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Nov 17, 2013 21:12
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Six months ago I got an offer in the mail for Capital One's VentureOne card. I don't travel, so I tried to talk the rep into giving me the 1.5% cash back card instead, but got turned down. Today I decided to give it another shot and applied and got approved, with a $10,000 limit!  That seems like a crazy amount of money to a poor college student working a part-time job like myself, and is way higher than any credit limit I've ever had before. I wonder what changed so much in six months?Just in time to pay spring tuition... 
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Nov 23, 2013 13:22
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AmEx changed the Blue Cash Everyday offer from $100 cash back after spending $1000 to $50 cash back after spending $1000, plus a 1-year Amazon Prime membership. That suuuuuuuucks
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Nov 23, 2013 18:39
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Chase Freedom is currently $200 bonus after spending $500 in 3 months, if anyone was on the verge of signing up.
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Nov 23, 2013 19:30
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I already have an Amazon Rewards card. But I'd also like to get some recommendations on a low interest card.
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Nov 23, 2013 22:52
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-Blackadder- posted:I already have an Amazon Rewards card. But I'd also like to get some recommendations on a low interest card. A credit union. My no rewards, no fee Visa from my credit union is 6.9% APR with a silly limit like 12k. Of course I am in no way advocating carrying a balance on a credit card as even "low" APR cards are still expensive if you don't pay it off every month. I haven't regularly used my CU card for ages, but it's my oldest account and I keep in case of some unlikely emergency.
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Nov 23, 2013 23:37
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I recently signed up for the Chase United MileagePlus Explorer card due to them advertising a 50,000 mile bonus upon spending $2,000 in the first three months. I just received my card today and there is no mention of the 50k bonus anywhere in the letter or on my online account. I sent Chase an email but I'm hoping that someone who have had experience with this card can tell me what's going on. Also, I have an Alaska Airlines card with Bank of America with a balance. I pay my cards in full every month but was wondering whether I could pay off my Alaska card with my new Chase card to gather the miles?
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Nov 24, 2013 02:40
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Busy Bee posted:Also, I have an Alaska Airlines card with Bank of America with a balance. I pay my cards in full every month but was wondering whether I could pay off my Alaska card with my new Chase card to gather the miles?
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Nov 24, 2013 02:48
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Busy Bee posted:I recently signed up for the Chase United MileagePlus Explorer card due to them advertising a 50,000 mile bonus upon spending $2,000 in the first three months. I just received my card today and there is no mention of the 50k bonus anywhere in the letter or on my online account. I sent Chase an email but I'm hoping that someone who have had experience with this card can tell me what's going on. I did the united, just call the number and have a rep verify.
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Nov 24, 2013 03:01
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Busy Bee posted:I recently signed up for the Chase United MileagePlus Explorer card due to them advertising a 50,000 mile bonus upon spending $2,000 in the first three months. I just received my card today and there is no mention of the 50k bonus anywhere in the letter or on my online account. I sent Chase an email but I'm hoping that someone who have had experience with this card can tell me what's going on. Basically no credit card promos ever show up on any literature when you get the card.
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Nov 24, 2013 05:05
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Fed up with BoA, I just recently applied for a Capital One QuikSilver card and was happy to see they approved me for 20k limit and 16%. In the past, I had paid all my bills automatically straight from my checking account. However, can I setup bill pay so my credit card is charged every month instead? Will I get 1.5% cashback on bills? Is there any sort of fee involved for doing that?
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Nov 24, 2013 14:11
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FateFree posted:Fed up with BoA, I just recently applied for a Capital One QuikSilver card and was happy to see they approved me for 20k limit and 16%. In the past, I had paid all my bills automatically straight from my checking account. However, can I setup bill pay so my credit card is charged every month instead? Will I get 1.5% cashback on bills? Is there any sort of fee involved for doing that? I think the only thing stopping you is sometimes auto pay setups only work with a bank account and routing number. Check your auto pay settings and see if cards are accepted.
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Nov 24, 2013 15:58
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FateFree posted:Fed up with BoA, I just recently applied for a Capital One QuikSilver card and was happy to see they approved me for 20k limit and 16%. In the past, I had paid all my bills automatically straight from my checking account. However, can I setup bill pay so my credit card is charged every month instead? Will I get 1.5% cashback on bills? Is there any sort of fee involved for doing that? Billpay is more of a checking account thing I think. You'll need to setup all your recurring bills (like power) through your providers website.
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Nov 24, 2013 20:41
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FateFree posted:Fed up with BoA, I just recently applied for a Capital One QuikSilver card and was happy to see they approved me for 20k limit and 16%. In the past, I had paid all my bills automatically straight from my checking account. However, can I setup bill pay so my credit card is charged every month instead? Will I get 1.5% cashback on bills? Is there any sort of fee involved for doing that? Depends on the provider. AT&T doesn't charge me extra to pay with a credit card, but everyone else I deal with does. The fee to pay my 45 dollar water bill is something like 4.95 which obviously doesn't make sense.
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Nov 25, 2013 03:19
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skipdogg posted:Depends on the provider. AT&T doesn't charge me extra to pay with a credit card, but everyone else I deal with does. The fee to pay my 45 dollar water bill is something like 4.95 which obviously doesn't make sense.
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Nov 25, 2013 05:24
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The main reason I bill everything to my bank account instead of credit card is so that it doesn't get hosed up every single time my card number changes, which happens about once a year for one reason or another. The hassle is not worth the rewards...
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Nov 25, 2013 13:53
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slap me silly posted:The main reason I bill everything to my bank account instead of credit card is so that it doesn't get hosed up every single time my card number changes, which happens about once a year for one reason or another. The hassle is not worth the rewards... This actually saved me once, when my card was changed I found out stamps.com was charging me every 6 months for jack poo poo.
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Nov 25, 2013 15:15
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I read my bank statements 
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Nov 25, 2013 16:05
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Hey I was looking to get a new credit card and was wondering if anyone had any advise for me. I currently have the Kroger Rewards card which isn't great, but i've had it for a year paying off the balance the whole time. I was looking for a new card and saw the quicksilver 1.5% cashback card which looked appealing, especially since I had an ing bank account which is now capitalone. I also was thinking about some sort of delta airline rewards card, since I fly about 2-3 times a year and something like free checked bags might add up. I spend about 800-900/month on my credit card to provide some context. I think my credit rating is alright, i haven't really checked but most of my credit history is this past year with the kroger card, and like 4 years before that with a cosigned card with my parents, which was rarely used but also fully paid off every month. I'm not sure about a rotating rewards card since i think i'll just be too lazy to check every month to see what changed. Any suggestions? Maybe some alternatives to what I'm thinking?
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Nov 25, 2013 17:33
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If you fly Delta and want to earn Skymiles you should check out the Delta co-branded AMEX. Annual fee of $95 for the basic one, but the free checked bag would make up for it if you fly a few times a year. I do like how the CapOne Quicksilver card lets you redeem your cashback in any amount instead of starting at $20 or $50 like the others. Also, the Chase Freedom and Discover cards only change categories quarterly, not monthly. I get a text message whenever registration opens for the new categories and replying to the text enrolls my card. edit: General PSA for all American Express cardholders. Saturday November 30 is Small Business Saturday. Earn a $10 statement credit after spending $10 at an eligible local business. You should be able to get the credit on each AMEX card you have. Register your cards here: https://www.americanexpress.com/us/small-business/Shop-Small/ nickutz fucked around with this message at 18:09 on Nov 25, 2013 |
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Nov 25, 2013 18:06
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The best rewards credit card is the one that suits your lifestyle. I don't fly or eat out often so many of the popular cards like Chase Sapphire Preferred or any airline card don't make much sense for me. I have a Chase Disney, and Discover IT card that I normally use. The Discover is for the rotating categories, and the Chase Disney replaced my debit card. We're going to Disney in about 16 months so I'm putting most of my normal purchases through it as sort of a forced savings account. I should have 250 disney bucks by the time we go. The CapOne Quicksilver card is a good card with 1.5% flat cash back, but be aware if you ever do have to float a balance on the card the APR is high, even top credit is looking at 16%. The AMEX Delta Gold card has some good sign up bonuses right now, and it may work really well for you as well. Free checked bags alone would cover the annual fee, and establishing a relationship with AMEX is never a bad thing.
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Nov 25, 2013 18:13
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turbomoose posted:I was looking for a new card and saw the quicksilver 1.5% cashback card which looked appealing, especially since I had an ing bank account which is now capitalone. I did this for the same reason but keep in mind the two accounts are not linked yet because Capital One 360 is apparently a separate entity from Capital One sort of. I called in and was told they are working on a single sign on solution so at least thats on the horizon.
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Nov 25, 2013 19:35
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Is it possible to link Paypal to your credit card, and then have automatic bill pay pointing towards your paypal account? Its annoying the gently caress out of me that I can get every bill I have auto billed to my credit card every month except for my PSEG bill - they only accept bank accounts. There's probably some other middle man service but I'm sure it will be costing more than the reward points. Edit - or perhaps some wacky loophole with Google Wallet? FateFree fucked around with this message at 01:31 on Nov 26, 2013 |
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Nov 26, 2013 00:36
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nickutz posted:edit: General PSA for all American Express cardholders. Saturday November 30 is Small Business Saturday. Earn a $10 statement credit after spending $10 at an eligible local business. You should be able to get the credit on each AMEX card you have. Good looking out, I completely forgot about this. The regular Amex Offers are also fantastic. I needed printer ink, and what do you know $25 off $75 at Staples. 
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Nov 26, 2013 02:32
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Dantu posted:Good looking out, I completely forgot about this. The regular Amex Offers are also fantastic. I needed printer ink, and what do you know $25 off $75 at Staples. If you have a Blue of any sort you also get a free ShopRunner membership, which is "worth $79" but more importantly gives you free 2-day shipping at a bunch of places. Useful for holiday shopping 
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Nov 26, 2013 04:25
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Bisty Q. posted:If you have a Blue of any sort you also get a free ShopRunner membership, which is "worth $79" but more importantly gives you free 2-day shipping at a bunch of places. Useful for holiday shopping This is actually available for both the Platinum and SPG as well.
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Nov 26, 2013 05:03
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What are everyone's opinions on the Visa Black Card? On the one hand, the factor of having a card made of stainless steel is interesting. On the other, $495 Annual Fee (no waiving here!).
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Nov 26, 2013 13:08
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landcollector posted:What are everyone's opinions on the Visa Black Card? On the one hand, the factor of having a card made of stainless steel is interesting. On the other, $495 Annual Fee (no waiving here!). It's nearly universally ridiculed over at myFico but to be fair, by people who have no actual experience with it. You'd have to use the hell out of the concierge to get good value IMHO. Other metal card to check out is JPM Ritz Carlton.
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Nov 26, 2013 14:35
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landcollector posted:What are everyone's opinions on the Visa Black Card? On the one hand, the factor of having a card made of stainless steel is interesting. On the other, $495 Annual Fee (no waiving here!). The benefits pale in comparison to similar cards. If really want a metal card get the Chase Sapphire Preferred, the sign up bonus will pay for it for a few years. I received a lot of compliments from people working cashiering when I owned the card. https://creditcards.chase.com/credit-cards/sapphire-preferred-card.aspx?CELL=63WS&inkcashsplit=1&inkplussplit=1&sapphireprefsplit=4 If you want a lot of perks then the get the American Express Platinum card. There are other cards in that class but Amex Platinum is still the best. You'll need to do the research yourself, but you should quickly find out that the Visa Black Card benefits are overpriced and the card under delivers.
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Nov 26, 2013 16:22
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Medikit posted:The benefits pale in comparison to similar cards. As an industry insider, I can tell you that there is no such thing as a "Visa Black Card" in the way that there is an "American Express Black Card." The card you're referring to is a Barclays Black Card, and it's awful. Visa is not happy about the way Barclays is marketing it because the card is such poo poo.
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Nov 26, 2013 17:48
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Pissingintowind posted:As an industry insider, I can tell you that there is no such thing as a "Visa Black Card" in the way that there is an "American Express Black Card." The card you're referring to is a Barclays Black Card, and it's awful. Visa is not happy about the way Barclays is marketing it because the card is such poo poo. https://www.blackcard.com I don't see anything about Barclays here. This is the card being referred to
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Nov 26, 2013 17:52
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Lowness 72 posted:https://www.blackcard.com Scroll to the bottom. This is exactly why Visa is pissed.
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Nov 26, 2013 17:55
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Pissingintowind posted:Scroll to the bottom. This is exactly why Visa is pissed. Holy poo poo. I even looked down there and didn't see it. Visa should be pissed
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Nov 26, 2013 18:07
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landcollector posted:What are everyone's opinions on the Visa Black Card? On the one hand, the factor of having a card made of stainless steel is interesting. On the other, $495 Annual Fee (no waiving here!).
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Nov 26, 2013 21:19
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Small White Dragon posted:If you want a useful expensive black card, get the Citi Prestige or the Citi Executive AAdvantage card. Oh, I have no intention of going after cards like those. It was pure curiosity on my part. For one, my habits don't need them. Also, I recently applied (and was instantly approved) for a American Express Blue Card. I don't need anymore cards at the moment.
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Nov 26, 2013 23:54
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I'm looking for a rewards card that doesn't charge a foreign transaction fee, as I'm going to be buying some stuff from other countries fairly regularly. I've already got a Discover that doesn't charge a fee, but nobody takes Discover, so I'm looking for either Visa or MasterCard. I know Capital One doesn't charge foreign transaction fees, and the Quicksilver card gives 1.5% cash back, any other cards I should look at?
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Nov 27, 2013 18:46
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I have the PenFed cash rewards card. The rewards kind of suck now - the only reward is 5% on gas, and you have to have another account with them also. But, no foreign transaction fee, and they will give you a real chip and pin card! Got mine yesterday.
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Nov 27, 2013 18:50
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What's so great about the chip and pin?
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Nov 27, 2013 19:00
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