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SHOAH NUFF posted:Is Citi Double Cash still the best cash back card for people who don't travel a ton? Just looking for the best cash back card, not a huge fan of revolving categories You might want to consider the Costco and/or Amazon cards if you find yourself buying more within those categories. Otherwise, the Fidelity card also offers a 2%. I always have a no-foreign-transaction fee card handy also, whether for travel or overseas purchases.
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Mar 8, 2017 00:14
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| # ? May 17, 2024 17:24 |
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SHOAH NUFF posted:Is Citi Double Cash still the best cash back card for people who don't travel a ton? Just looking for the best cash back card, not a huge fan of revolving categories It's fine if you don't want to have to think about it, but I think people really underestimate the value of a signup bonus which it doesn't have. The Capital One Quicksilver as an example has a pretty small signup bonus but a smaller cashback reward (1.5%). The Citi DoubleCash only breaks even with the Capital One card after you spend $20,000 on the card. It only breaks even with the Chase Freedom after $15,000 in spending and that's if you never once take advantage of the rotating 5% categories. Despite that I absolutely get the desire for simplicity, I have a doublecash and use it pretty often. Citi has some nice perks too like price protection and virtual account numbers. Fake edit, ETB's suggestion of the Costco and Amazon cards are also a good simple choice.
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Mar 8, 2017 00:23
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I want USAA to open up the "Limitless" 2.5% cash back card for California already. 
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Mar 8, 2017 00:31
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Star War Sex Parrot posted:I want USAA to open up the "Limitless" 2.5% cash back card for
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Mar 8, 2017 01:21
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Bumped up my average age of accounts from 1.5 years to 3.5 years by adding myself as an authorized user to my wife's oldest cc. Credit score isn't a game but at least now I have a 0 ftf card with my name on it I can use overseas (Quicksilver)
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Mar 8, 2017 04:03
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The Slack Lagoon posted:Bumped up my average age of accounts from 1.5 years to 3.5 years by adding myself as an authorized user to my wife's oldest cc. Credit score isn't a game but at least now I have a 0 ftf card with my name on it I can use overseas (Quicksilver) Have you checked your credit report directly? I didn't think credit card companies still used the primary account holder's signup date for authorized users. Amex used to do this, my credit history is actually older than I am because my dad added me as an authorized user to his ~30 year old account when I was in high school.
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Mar 8, 2017 09:18
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Thufir posted:edit: I did cancel my Amex Plat yesterday. The retention agent: "Do you have the Chase Reserve? Yeah, we're hearing that a lot".
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Mar 8, 2017 11:51
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THF13 posted:Have you checked your credit report directly? I didn't think credit card companies still used the primary account holder's signup date for authorized users. Ya I use the nerd wallet app to track it, and according to the report that pulls it shows there. Both of my cards I've added my wife to have also shown up on her credit report (former Sallie Mae and double cash)
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Mar 8, 2017 12:59
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The Slack Lagoon posted:Ya I use the nerd wallet app to track it, and according to the report that pulls it shows there. Both of my cards I've added my wife to have also shown up on her credit report (former Sallie Mae and double cash) Some reports use it and some don't I believe.
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Mar 8, 2017 14:26
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Tyro posted:I want USAA to open up the "Limitless" 2.5% cash back card for Was just opened up in AR, CT, FL, ND, MN
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Mar 8, 2017 15:38
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Small White Dragon posted:I don't think I've gotten a retention agent when I cancelled an Amex, at least in a long time. Usually it's handled by automated system. Wonder what I'm doing wrong. I dunno, I called the automated service line on the back of the card and got routed to retention. Maybe because of the product or spend (though mine was pretty middling)?
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Mar 8, 2017 17:33
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THF13 posted:Have you checked your credit report directly? I didn't think credit card companies still used the primary account holder's signup date for authorized users. Depends on the card issuer.
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Mar 8, 2017 18:45
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THF13 posted:Was just opened up in AR, CT, FL, ND, MN Boo-urns Rollout seems to be going fairly quick though which is nice. I'll be happy if I can get one in the first half of the year.
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Mar 8, 2017 19:16
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Drove two hours to apply for the Chase Sapphire Reserve for a process that took maybe 10 minutes. I still have to figure out if it's worth it to make this my primary card over the Double Cash. We do tend to eat out and travel a lot which are expensive habits I'd like to pare down, but might as well get points for it.
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Mar 8, 2017 21:48
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CSR/CSP question: I signed up with both and now have the bonuses. It seems like the best strategy for maximizing my rewards/minimizing cost is to just stop using the CSP and transfer all the points to the CSR card which has better redemption if I use the portal and more points on travel/restaurant purchases. If I decide to dump these cards for whatever reason like not getting my money's worth from the $300 travel credit on the CSR, I should ask Chase to convert one to a Chase Freedom Unlimited card. That sound about right? I'm at 4/24 so I guess I could open up another Chase account for greed.
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Mar 8, 2017 22:31
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monster on a stick posted:CSR/CSP question: I signed up with both and now have the bonuses. It seems like the best strategy for maximizing my rewards/minimizing cost is to just stop using the CSP and transfer all the points to the CSR card which has better redemption if I use the portal and more points on travel/restaurant purchases. If I decide to dump these cards for whatever reason like not getting my money's worth from the $300 travel credit on the CSR, I should ask Chase to convert one to a Chase Freedom Unlimited card. That sound about right? If you've had the CSP for under a year, and you don't expect to get any referral bonuses on it to offset its annual fee, you can product change that CSP to the no-annual-fee Sapphire. Then, a day later, you can product change that Sapphire to a Freedom Unlimited. Definitely keep the CSR for the year, get the two years' worth of $300 travel credits, then if you don't want to keep it as a CSR, product change it down to a CSP or Freedom or whatever.
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Mar 8, 2017 23:07
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astral posted:If you've had the CSP for under a year, and you don't expect to get any referral bonuses on it to offset its annual fee, you can product change that CSP to the no-annual-fee Sapphire. Then, a day later, you can product change that Sapphire to a Freedom Unlimited. Thanks. Maybe dumb question but why not just change CSP directly to Freedom Unlimited, does Chase want it converted to a regular Sapphire first? How about the Ink Preferred card - it sounds like I can claim to be a sole proprietor and still get the bonus?
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Mar 8, 2017 23:13
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monster on a stick posted:Thanks. Maybe dumb question but why not just change CSP directly to Freedom Unlimited, does Chase want it converted to a regular Sapphire first? If it's under a year they don't let you go directly between CSP and the other no-AF cards. It's weird.
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Mar 8, 2017 23:23
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TIL metal credit cards are baller as poo poo
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Mar 10, 2017 20:19
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AndrewP posted:TIL metal credit cards are baller as poo poo It feels so dumb for that to be the reason I finally pull the trigger on an Amazon Prime VISA, but goddamn it I'm really close to doing exactly that.
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Mar 10, 2017 21:18
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Power of Pecota posted:It feels so dumb for that to be the reason I finally pull the trigger on an Amazon Prime VISA, but goddamn it I'm really close to doing exactly that. It's a good card, Bront.
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Mar 10, 2017 21:18
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I just got a Amex Blue Cash Preferred. The huge grocery discount (6%) is too good to pass up, as a man who loves to buy food from grocery stores. 10% off restaurants for the next 6 months is also cool
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Mar 10, 2017 21:32
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monster on a stick posted:Thanks. Maybe dumb question but why not just change CSP directly to Freedom Unlimited, does Chase want it converted to a regular Sapphire first? Yes. Chase is the most stringent of any major CC issuer in terms of approval for business cards, but it is quite possible to get one and rarely two cards with a sole prop "business" and as long as you are approved you'll get the bonus.
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Mar 10, 2017 22:46
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Anyone have an opinion on the Barclaycard CashForward World MasterCard? I just got the spend reward for the Chase Unlimited Freedom, so I'm looking for a new card where I can easily hit the spend bonus. I'm pretty thrifty so a lot of the $1000+ in 90 days cards are out of the question. I already have the Capital One Quicksilver. Only thing I'm seeing about the CashForward that I don't like is that redemption begins at $50, so I'd probably hit the $500 spend to get $100 and then never use it again. There aren't any reviews on nerdwallet so I'm wondering if anyone here has any experience with it.
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Mar 10, 2017 23:10
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BAE OF PIGS posted:Anyone have an opinion on the Barclaycard CashForward World MasterCard? I just got the spend reward for the Chase Unlimited Freedom, so I'm looking for a new card where I can easily hit the spend bonus. I'm pretty thrifty so a lot of the $1000+ in 90 days cards are out of the question. I already have the Capital One Quicksilver. If redemption begins at $50, then couldn't you redeem $50, get the 5% bonus on next redemption, then redeem the last 57 or so dollars with the 5% and then put it away? I've never used the card and it's only a few extra dollars, but that seems like a reasonable way to do it if you can. $50 is a weirdly high redemption requirement for a 1.5 card.
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Mar 11, 2017 01:47
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BAE OF PIGS posted:Anyone have an opinion on the Barclaycard CashForward World MasterCard? I just got the spend reward for the Chase Unlimited Freedom, so I'm looking for a new card where I can easily hit the spend bonus. I'm pretty thrifty so a lot of the $1000+ in 90 days cards are out of the question. I already have the Capital One Quicksilver. I just did this one! Got a targeted $200 offer after $500 spend. You might want to wait for the targeted offer. The nice thing is that the initial spend bonus plops into your rewards pool, so it puts you over the $50 minimum as soon as you reach it. You can then redeem the entire amount at your leisure (no $50 increments or anything dumb like that so long as you're above the minimum--looking at you, AMEX). I will probably stop using it as soon as I go ahead and redeem my entire bonus pool. Waiting to reach $50 again would take some $3,333 in further spending, which is annoying.
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Mar 11, 2017 02:12
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Vox Nihili posted:I just did this one! Got a targeted $200 offer after $500 spend. You might want to wait for the targeted offer. Did you have an existing relationship with Barclay? Not familiar with how their targeting works and they are the only major/semi-major card company that I have never received anything from.
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Mar 11, 2017 02:17
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No prior business with them. I get a shitton of mailers these days, though. I think they've sent me other offers as well. My girlfriend also received a mailer for their card even though she has fewer accounts open. Maybe it's a demographic thing.
Vox Nihili fucked around with this message at 02:46 on Mar 11, 2017 |
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Mar 11, 2017 02:44
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I get mailers for them for their airmiles card, but it requires 3 or 4 grand in spending in 90 days to get the bonus and it has a higher annual fee than I want to take up (IIRC). I never get targeted offers in the mail any more ever since I started signing up for lots of cards with bonus offers. Now I just get a lot of mailers for low interest personal loans from citybank and AMEX.
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Mar 11, 2017 04:33
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Just want to make sure I have this straight. I already have the bank of America cash rewards card I don't use. I want to start using it (or get the Amazon prime card) to get the free cash back. If my closing date is the 15th of each month, and the payment date is the 12th of the next month. As long as I pay the card in full by the 12th I'd get no interest, correct?
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Mar 18, 2017 20:07
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Yep.
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Mar 18, 2017 23:20
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I got a Chase Unlimited Freedom card at the end of February and hit the $500 mark on it a few days ago for the $150 bonus - is that just going to show up as points or something with my next end of month statement, or do I have to do anything to redeem it?
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Mar 23, 2017 05:49
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Power of Pecota posted:I got a Chase Unlimited Freedom card at the end of February and hit the $500 mark on it a few days ago for the $150 bonus - is that just going to show up as points or something with my next end of month statement, or do I have to do anything to redeem it? It'll show up on the next statement after enough transactions post, unless it's within something like 7-10 days of the next statement cut. In that case, it might not show up until the statement after that. astral fucked around with this message at 05:53 on Mar 23, 2017 |
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Mar 23, 2017 05:50
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For the Chase Amazon Prime card did you guys get the metal one yet? I have the card and got the upgrade to 5% mailer, but no new card. I do Prime every month but on a monthly plan, because I am an idiot. Is the metal card for all Prime users, or is it only annual members?
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Mar 25, 2017 20:47
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Michael Corleone posted:For the Chase Amazon Prime card did you guys get the metal one yet? I have the card and got the upgrade to 5% mailer, but no new card. I do Prime every month but on a monthly plan, because I am an idiot. Is the metal card for all Prime users, or is it only annual members? I have the metal one, have been an annual Prime member for 10 years.
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Mar 25, 2017 22:21
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I got the paperwork, but no new card. Shows the new card style image on the bank website and Amazon though. Wondering if they'll be waiting until the card holder is closer renewal, or if they just push them out in a certain order.
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Mar 26, 2017 00:07
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If it really bothers you, you could probably just call in a lost card.
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Mar 26, 2017 00:16
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I've read that everyone is getting one, but I don't know how they send them out. I haven't gotten mine yet.
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Mar 26, 2017 02:37
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hmm i havent seen new paperwork or a new card. I only put a buck on it a year though.
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Mar 26, 2017 04:10
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Rated PG-34 posted:If it really bothers you, you could probably just call in a lost card.
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Mar 26, 2017 17:04
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