|
astral posted:Freedom Flex for the rotating 5% categories + cell phone insurance? I don't believe they allow you to product change from/to co-branded cards, as a general rule. Looks like the Flex and Unlimited are essentially the same but Flex has a .5% lower cash back on all purchases while adding 5% on bonus categories and phone insurance. I think it comes down to Flex if I want to get a separate 2% cash back card like Fidelity/Paypal or Unlimited if I wanted to use the CFU as the catch-all.
|
#
?
Jul 8, 2021 15:57
|
|
|
|
| # ? May 21, 2024 06:38 |
|
|
Flex + 2% is the way to go if you're not trying to make real money on sign up bonuses. Keep in mind that the Flex is a Mastercard though, so when it rotates to warehouse stores you won't be able to use that 5% at Costco. If you can convert to the old Visa Freedom that would be ideal, but I doubt it. Edit: Freedom is better than 2% if you have a CSR and can redeem the points for an effective 2.25% Unsinkabear fucked around with this message at 18:51 on Jul 8, 2021 |
|
#
?
Jul 8, 2021 18:00
|
|
|
OldSenileGuy posted:lmao I was considering keeping the Platinum for one more year because the $240/year streaming credit is more than enough to offset the increase in annual fee (definitely dumping it when they start limiting the Centurion lounge to no guests though) Holy poo poo that is abysmal
|
|
#
?
Jul 8, 2021 20:58
|
|
|
I am an AU on my wife's CSP. I've created a referral link for the 100,000 point bonus and I'd like to apply for it using this link. The offer states: "The product is not available to either (i) current cardmembers of any Sapphire credit card,...." Am I considered a "current cardmember" since I am an AU?
|
|
#
?
Jul 10, 2021 21:08
|
|
|
Cacafuego posted:I am an AU on my wife's CSP. I've created a referral link for the 100,000 point bonus and I'd like to apply for it using this link. The offer states: "The product is not available to either (i) current cardmembers of any Sapphire credit card,...." You're fine. Enjoy the extra points.
|
|
#
?
Jul 10, 2021 21:13
|
|
|
I’ve had the Discover It card forever, but am thinking of making that a backup to Chase Sapphire Preferred if I can get it since our kid is reaching the age where family vacations are going to be a more frequent/elaborate thing and $50-$60 cash back a month is nice, defraying travel costs feels nicer. Only thing that’s giving me pause is the option to get an airline card instead, I currently live on the West Coast and my family is back East, so there’s always going to be at least one big flight a year, but I’m questioning whether an individual airlines deal (probably Alaska) is going to surpass the CSP’s yield/flexibility. I am also looking at Capital One Venture card against the CSP if anyone has thoughts on that. Lead Pipe Cinch fucked around with this message at 23:00 on Jul 10, 2021 |
|
#
?
Jul 10, 2021 22:57
|
|
|
I just tried to product change my home projects card for Wells Fargo Active CashSM Card (2% Cashback) and they aren't doing product change. I have a union plus card I can't product change. I also have a visa through my credit union, not sure on that. I just want 2% rewards on something jeeze. I tried that 3% Alabama card and no luck, I'll try penfed next, or maybe do the chase bonus cash ladder. American express? I have no cards with them and my score shows 725-759
|
|
#
?
Jul 16, 2021 15:35
|
|
|
Quaint Quail Quilt posted:I just tried to product change my home projects card for Wells Fargo Active CashSM Card (2% Cashback) and they aren't doing product change. AmEx doesn't have a 2% card with no fees, the closest is probably their Schwab 1.5%. Fidelity 2% might work for that score range.
|
|
#
?
Jul 16, 2021 16:35
|
|
|
You should be able to get the PenFed version and enjoy that total lack of hassle (as long as you don't mind letting them hold $500 to get the 2% rate). They've significantly relaxed about who they'll give their cards to.
|
|
#
?
Jul 16, 2021 16:42
|
|
|
How long does it typically take to get a bonus for a buying threshold for Chase (for the points to actually post)?
Upgrade fucked around with this message at 15:18 on Jul 17, 2021 |
|
#
?
Jul 17, 2021 15:02
|
|
|
Upgrade posted:How long does it typically take to get a bonus for a buying threshold for Chase (for the points to actually post)? My points are always awarded at the end of my statement period.
|
|
#
?
Jul 18, 2021 20:10
|
|
|
Does anyone have a referral code for the Delta Gold Amex? I'm seeing a 70,000 Skymiles offer for $3k spend in the first 3 months, plus a $200 statement credit if you make a Delta purchase during that time. Seems like I can score a free <$200 flight somewhere and have plenty of points to spend towards a big trip next year. I had the Platinum Delta Amex awhile back but cancelled it in 2019. That shouldn't prevent me from getting the bonus for this card, correct?
|
|
#
?
Jul 20, 2021 19:53
|
|
|
Cross post from the Long Term thread. Its from HYSA recomendation HM BradleyXenoborg posted:Speaking of HM Bradley, I guess I was never asked what my income is, so when I click to their credit card offer I see this:
|
|
#
?
Jul 20, 2021 19:57
|
|
|
Xenoborg posted:Cross post from the Long Term thread. Its from HYSA recomendation HM Bradley lmfao
|
|
#
?
Jul 20, 2021 20:03
|
|
|
i got an offer (in the mail?????) for the amex cash magnet and i want to fill it out kuz i want an amex kuz ive never had one and i think it would make me cooler but also i really like that my sofi card forces me to put my rewards into stock and i can do it right on their platform by redeeming the beautiful gems im harvesting by buying beers and mcdoubles etc. anyways im very conflicted about this and i think im going to just chop my head off with a halberd. the cash magnet is 1.5% which is fail imo whereas the sofi is 2% if redeemed into stock. -_- here is the question is the sofi card a cool enough dude to free the prez? also does the code it gave me (on paper in the mail whcih is always for scams 100%) going to maybe Fail and decline me while aslo doing a hard pull? or does the code auto guarantee it? ive attempted to read the paper but there is no way to ctrl+f the paper so i gave up instantly. 
|
|
#
?
Jul 20, 2021 20:05
|
|
Smythe posted:i got an offer (in the mail?????) for the amex cash magnet and i want to fill it out kuz i want an amex kuz ive never had one and i think it would make me cooler but also i really like that my sofi card forces me to put my rewards into stock and i can do it right on their platform by redeeming the beautiful gems im harvesting by buying beers and mcdoubles etc. anyways im very conflicted about this and i think im going to just chop my head off with a halberd. the cash magnet is 1.5% which is fail imo whereas the sofi is 2% if redeemed into stock. -_- You can go on the Amex site to see if you’re preapproved with the online tool first if you want. It’s like usually 90% right. Once you have an Amex you also don’t have to worry about subsequent hard pulls for new cards. As always, check the spreadsheet for referrals for goodies
|
|
|
#
?
Jul 20, 2021 20:21
|
|
|
Would recommend getting a better card than the cash magnet. Do you have a good grocery card yet? Restaurants?
|
|
#
?
Jul 20, 2021 20:59
|
|
|
astral posted:Would recommend getting a better card than the cash magnet. Do you have a good grocery card yet? Restaurants? im too stupid to janitor different categories so im content with a 2% for all thing. thats the g*ds honest truth. maybe one for only groceries would be cool but only if it was 5% i think is what it would take to be worth it for me.
|
|
#
?
Jul 20, 2021 21:03
|
|
|
Smythe posted:im too stupid to janitor different categories so im content with a 2% for all thing. thats the g*ds honest truth. maybe one for only groceries would be cool but only if it was 5% i think is what it would take to be worth it for me. If you spend more than like $60 a week on groceries for its break-even point, the Amex Blue Cash Preferred gives you 6% back on groceries for a $95 annual fee. It has the good amex extended warranty. If you spend less than that they've got the no-annual-fee Blue Cash Everyday for 3% back on groceries. We recently discussed a new Citi card that gives you 5% on groceries if you only use it for groceries; here's the terms around that: quote:Grocery Stores So no Walmart or Target, and grocery delivery services will depend solely on their merchant category coding.
|
|
#
?
Jul 20, 2021 21:11
|
|
|
the chase freedom flex is giving 5% cash back on groceries for the first year you have it and the 5% quarterly bonus categories also include groceries for this quarter, and they apparently are stacking them
|
|
#
?
Jul 20, 2021 21:30
|
|
|
astral posted:If you spend more than like $60 a week on groceries for its break-even point, the Amex Blue Cash Preferred gives you 6% back on groceries for a $95 annual fee. It has the good amex extended warranty. If you spend less than that they've got the no-annual-fee Blue Cash Everyday for 3% back on groceries. this is very cool and thorough, thank you astral. i spent about $30 per week on groceries from the actual grocery store, and then probably another 30 on top of that at the liquor store for pbr allotment that my neighbors drink most of anyways because theyre filthy leeches. I see sofi categorizes the liquor store as "dining and drinks" so dunno if that would count for it but it should since its a normal rear end liquor store. it sounds crazy but is there a merchant code or something i can run to see what category is counts for on various platforms? this is kind of interesting to think about really. like i run several squareup storefronts and i have no idea the gently caress category they are or how they are determined. did I do this at some point in the past? lmfao. hosed up.
|
|
#
?
Jul 20, 2021 21:41
|
|
|
Shear Modulus posted:the chase freedom flex is giving 5% cash back on groceries for the first year you have it and the 5% quarterly bonus categories also include groceries for this quarter, and they apparently are stacking them Oh yeah, I forgot this offer was back, and they are stacking them for a total of 9% back on groceries this quarter. Note that Chase does not consider Walmart Grocery to be groceries despite the fact that it codes as Groceries, so you only get 1% back there. Not sure if Walmart Neighborhood Markets code as groceries for Chase these days, either. Smythe posted:this is very cool and thorough, thank you astral. Not sure. I'd suggest going with that Chase Freedom Flex for the year of 5% back on groceries (as long as Walmart is not your grocery store of choice). quote:it sounds crazy but is there a merchant code or something i can run to see what category is counts for on various platforms? this is kind of interesting to think about really. like i run several squareup storefronts and i have no idea the gently caress category they are or how they are determined. did I do this at some point in the past? lmfao. hosed up. Though it's supposed to be somewhat standardized, my understanding is each payment network does merchant codes a bit differently. Your best bet is to find people that have shopped at a store before and posted about how it coded for a particular network/bank. You probably set up your merchant category when you originally set up your storefronts, but I'm sure squareup has instructions to change it if you need to.
|
|
#
?
Jul 20, 2021 21:49
|
|
|
astral posted:Not sure if Walmart Neighborhood Markets code as groceries for Chase these days, either. Did not qualify for 5x on my Freedom, but triggered the grocery bonus on my no-AF United card at the same store, so... 🤷
|
|
#
?
Jul 21, 2021 02:19
|
|
|
Small White Dragon posted:Did not qualify for 5x on my Freedom, but triggered the grocery bonus on my no-AF United card at the same store, so... 🤷 Sort-of makes sense if that didn't have the same specific exclusion that the Freedom cards do.
|
|
#
?
Jul 21, 2021 02:50
|
|
|
Smythe posted:this is very cool and thorough, thank you astral. I Google searched by retailer name and code for a major card (the Amex everyone likes for grocery?) and found a list posted by the credit company regarding various merchants and how their stuff codes. Just look for either major retailer name or similar company. Sadly, I only spend about $40 per month at a place that was considered a grocery store.
|
|
#
?
Jul 21, 2021 08:02
|
|
|
astral posted:the Amex Blue Cash Preferred gives you 6% back on groceries for a $95 annual fee. It has the good amex extended warranty. I'm not really up to speed on Amex, what's so good about it?
|
|
#
?
Jul 21, 2021 16:00
|
|
|
Does anyone know if the Amex platinum CLEAR credit will cover $179 reimbursement for only a single CLEAR membership, or whether it will reimburse $179 total if I get a United status membership plus one for my wife for a total of $179?
|
|
#
?
Jul 21, 2021 16:29
|
|
|
Cacafuego posted:Does anyone know if the Amex platinum CLEAR credit will cover $179 reimbursement for only a single CLEAR membership, or whether it will reimburse $179 total if I get a United status membership plus one for my wife for a total of $179? It's $179 for any Clear charges. A bunch of people in Reddit mention doing exactly what you say, without issue.
|
|
#
?
Jul 21, 2021 17:11
|
|
|
literally this big posted:Do I need to worry about the income confirmation that credit lines will ask for on occasion on their website? Citi wants me to update my income, but I was laid off recently so I'd rather not update it with $0. I have enough cash to keep going for a long time, but I'd rather not get hit with an unnecessary credit decrease or account closure. What is everyone's experience with that? Income update is usually only something good to do if your income increases so that you may qualify for different cards (along with other factors obviously). The only one that you have to be wary of is Amex. They will conduct a financial review if your spending habits are abnormal or don't match up with your reported income. The threshold is pretty high and usually related to manufactured spend but it is a possibility.
|
|
#
?
Jul 21, 2021 18:01
|
|
|
I have a couple of cards that I don't use too much as their rewards are bad or they have outlived their usefulness. I keep them open just to avoid the credit hit and they have no AF, so it's no skin off my back. Is it worth trying to ask for credit limit increases or do I risk an adverse effect if they figure I'm spending enough to make it worth their while to even give me what I already have?
|
|
#
?
Jul 21, 2021 18:48
|
|
|
Ur Getting Fatter posted:It's $179 for any Clear charges. A bunch of people in Reddit mention doing exactly what you say, without issue. Thanks! I’m going to try signing up for both of us today.
|
|
#
?
Jul 21, 2021 20:55
|
|
|
Unsinkabear posted:I'm not really up to speed on Amex, what's so good about it? Historically, they've been a lot easier to deal with for claims than other lenders' benefit providers. Not sure if that's changed recently, to be fair.
|
|
#
?
Jul 21, 2021 21:01
|
|
|
Smythe posted:im too stupid to janitor different categories so im content with a 2% for all thing. thats the g*ds honest truth. maybe one for only groceries would be cool but only if it was 5% i think is what it would take to be worth it for me. Wow, not even willing to min-max? And you call yourself a Gamer...
|
|
#
?
Jul 21, 2021 21:18
|
|
|
Ur Getting Fatter posted:Is it worth trying to ask for credit limit increases or do I risk an adverse effect if they figure I'm spending enough to make it worth their while to even give me what I already have? It's rare to have an account closed providing you put some spend every so often (1-2 months). They might deny your increase if you don't use it much though. For example, Goldman has increased my limit maybe $500 from $8000 but I only use it for the App Store and iPhone Upgrade Program, so they figure I don't need it. I'd search in /r/creditcards and see which ones are soft or hard pull. IIRC, Chase is always HP and likes to limit total credit across cards, Citi is usually soft otherwise they'll ask to do a HP, BOA is SP unless you reject their offer, then they ask for HP. Apple Card is SP as well. I'm not sure about others.
|
|
#
?
Jul 21, 2021 22:40
|
|
|
FYI: Starting today, the special non-advertised "in-branch exclusive" offers for Chase are very good. You can also bypass the 5/24 rule if you qualify for at least one card and apply for two at once. Just got: Chase Sapphire Preferred: - 100k points - $50 grocery credit - Free year of Doordash Plus and Lyft Plus + Lyft credits - 5% back on all travel booked through Chase Travel Portal or Partners - $65 back on Peloton purchases and free 1 month subscription. - Annual fee waived for the first year. Chase Freedom Flex: - $250 cashback bonus - 5% Cashback on all groceries for the first year - 0% APR for 18 months - 3% cashback on select streaming services for the first year All with a single pull and just a little over 2 years after I cancelled my last Sapphire Preferred and qualified for the bonus again. The only downside is that you have to let them pitch you on opening a checking account, mortgage refinance, HELOC, savings account, or whatever else you may not have with them for 2 minutes afterwards. Leon Trotsky 2012 fucked around with this message at 19:43 on Jul 22, 2021 |
|
#
?
Jul 22, 2021 19:38
|
|
|
Do you think the Citi Custom Cash will finally force Amex to change up the Blue Cash preferred? I can't think of any justification for anyone to pay $95/year for a 6% card when there's a free 5% copycat out there.
|
|
#
?
Jul 23, 2021 14:08
|
|
Thoguh posted:Do you think the Citi Custom Cash will finally force Amex to change up the Blue Cash preferred? I can't think of any justification for anyone to pay $95/year for a 6% card when there's a free 5% copycat out there. It’s not completely a copycat when the preferred also has 3 on gas and streaming
|
|
|
#
?
Jul 23, 2021 16:30
|
|
|
Thoguh posted:Do you think the Citi Custom Cash will finally force Amex to change up the Blue Cash preferred? I can't think of any justification for anyone to pay $95/year for a 6% card when there's a free 5% copycat out there. Wondering that too, for now I have a note to check back in Nov before the fee hits and probably change over.
|
|
#
?
Jul 23, 2021 16:36
|
|
|
im on the net me boys posted:It’s not completely a copycat when the preferred also has 3 on gas and streaming Given that anyone who's doing category-janitoring has a 2% card, and those are not large categories for many people (I originally said they were both small, but I guess some people commute in gas guzzlers), the real-world annual cash benefit of that extra 1% across the board is probably still not likely to be worth more than the the annual fee. They do need to up their game if they want to justify that AF Unsinkabear fucked around with this message at 18:34 on Jul 23, 2021 |
|
#
?
Jul 23, 2021 18:31
|
|
|
|
| # ? May 21, 2024 06:38 |
|
|
Unsinkabear posted:Given that anyone who's doing category-janitoring has a 2% card, and those are not large categories for many people (I originally said they were both small, but I guess some people commute in gas guzzlers), the real-world annual cash benefit of that extra 1% across the board is probably still not likely to be worth more than the the annual fee. They do need to up their game if they want to justify that AF WF Propel is no fee and is 3% on gas, don't know if there are other no fee card that offer that but I assume there probably are.
|
|
#
?
Jul 23, 2021 21:26
|
|