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Mine's purple. It's a nice color
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Dec 28, 2023 04:34
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Mine's green, like another card I have.
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Dec 28, 2023 07:18
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I guess I have to apply for the card first and then I can change it to the sunglasses doggo? Yes I’m totally opening up a new credit card based on looks. I’m gonna have the coolest credit card for the bartender to hold on to for a tab. E: similarly I’m mildly interested in the NASA FCU cards if only just for the designs. Boris Galerkin fucked around with this message at 22:51 on Dec 28, 2023 |
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Dec 28, 2023 22:48
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Boris Galerkin posted:I guess I have to apply for the card first and then I can change it to the sunglasses doggo? Yes I’m totally opening up a new credit card based on looks. I’m gonna have the coolest credit card for the bartender to hold on to for a tab. Get an Amex plat you’ll get compliments.
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Dec 29, 2023 02:14
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quote:Adding a new card means getting an additional card with the same account information. Once you activate the new card, you can still continue to use any other cards you may have. Remember, adding a new card is free and each user can have up to 4 card designs.
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Dec 29, 2023 04:28
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So apparently at some point the American Express Blue Cash Everyday started giving 3% cash back on "U.S. Online Retail Purchases" in addition to groceries and gas. I have no idea when this category was added but the detailed list looks pretty good:https://www.americanexpress.com/us/rewards-info/retail.html posted:Examples* of purchases that will earn additional rewards include, but are not limited to: That list isn't bad. I think 3% is the highest credit card rewards rate I've seen on Chewy, and some of the other ones like electronics and sporting goods I think generally require picking them on the Cash+ or some other level of finagling to get over 2-2.5%. I haven't used my Blue Cash Everyday except for the merchant-specific offers for a while but I'll definitely try and remember to use it more going forward.
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Dec 30, 2023 21:49
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Yup, but I believe it's only up to $6k spend per year so it's something that, given the list of stores, many people will max out well before the end of the year. It took me a while to realize this after I started noticing Amazon purchases were no longer showing up as 3% in the transaction lists (at first I thought marketplace purchases were no longer triggering it).
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Dec 30, 2023 23:38
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Strangely, that's on the Blue Cash Everyday but not the Blue Cash Preferred.
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Dec 30, 2023 23:41
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Splinter posted:Yup, but I believe it's only up to $6k spend per year so it's something that, given the list of stores, many people will max out well before the end of the year. It took me a while to realize this after I started noticing Amazon purchases were no longer showing up as 3% in the transaction lists (at first I thought marketplace purchases were no longer triggering it). I believe that the Bank of America Customized Cash covers all the same types of stores listed in Shear Modulus's post (as well as some other stuff like meal kits) if you select Online Shopping as your 3% category. It's up to $2500 spend per quarter, so it might be worth looking into if you're hitting the limit on the BCE.
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Dec 31, 2023 01:10
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astral posted:Strangely, that's on the Blue Cash Everyday but not the Blue Cash Preferred. Amex does this with their other cards too. For example, the Amex Green gives 3X points on hotels, Amex Gold has no bonus for hotels.
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Dec 31, 2023 01:24
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drk posted:Amex does this with their other cards too. For example, the Amex Green gives 3X points on hotels, Amex Gold has no bonus for hotels. Yeah, but those are completely different cards; the BCP is positioned as a strict upgrade to the BCE, but in that one field it isn't exactly. Do they even let you have both BCE+BCP at the same time? I want to say no. I'd guess they'd add something similar to the BCP eventually.
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Dec 31, 2023 01:46
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astral posted:Yeah, but those are completely different cards; the BCP is positioned as a strict upgrade to the BCE, but in that one field it isn't exactly. Do they even let you have both BCE+BCP at the same time? I want to say no. I started with a BCE and added a BCP maybe a year later - we are a large family with 4 small kids, so we max out that 6x at grocery stores, at least we did until I started using the Custom Cash for grocery shopping for 5x up to $500/month with no annual fee. I rarely use the BCE but maybe it should go back into rotation! The BCP is now mainly for my online video streaming services, and the Disney bundle rebate, but I may need to reassess in 2024. VorpalBunny fucked around with this message at 22:30 on Jan 1, 2024 |
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Jan 1, 2024 22:27
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TITTIEKISSER69 posted:I currently have a plain Chase Freedom, which I've had for several years. If I go for the Freedom Unlimited (2x cashback and no annual fee), does that replace my current Freedom or do I end up with two cards and two balances? Space Fish posted:That depends on what "go for" means. If you product change the Freedom into the Unlimited, then the Unlimited will replace your current Freedom. Just FYI, the offer on the Unlimited is for new applications only. Can't get the promotional rates by changing product to it. I went for the new card and I can live with the hard pull. For anyone wanting the link: https://creditcards.chase.com/a1/freedom-unlimited/affiliates2023matchtest
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Jan 6, 2024 02:34
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Not sure if it's new or not, but I was able to get a straight 150k MR sign-up bonus on Amex Platinum through a referral link. Alternatively there's the Resy referral with 100k + 6 months of 10x at restaurants, which is probably just as good if you eat out a bunch. https://resy.com/global-dining-access?date=2024-01-18&seats=2
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Jan 19, 2024 13:57
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I need a good cash back card that I can use as my main card to replace my lovely 2% gas and restaurants-1% all else Discover. I never eat out, so it sucks pretty hard. I don’t wanna apply and juggle for a bunch of cards and destroy my credit. Credit is low-700s. I don’t care about interest rate or promos involving that because I never carry a balance.
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Jan 19, 2024 17:09
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Valicious posted:I need a good cash back card that I can use as my main card to replace my lovely 2% gas and restaurants-1% all else Discover. I never eat out, so it sucks pretty hard. I don’t wanna apply and juggle for a bunch of cards and destroy my credit. Credit is low-700s. I don’t care about interest rate or promos involving that because I never carry a balance. Wells Fargo 2% everything card? If you don't want to chase sign up bonuses and monthly categories, that's a nice simple card.
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Jan 19, 2024 17:17
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Valicious posted:I need a good cash back card that I can use as my main card to replace my lovely 2% gas and restaurants-1% all else Discover. I never eat out, so it sucks pretty hard. I don’t wanna apply and juggle for a bunch of cards and destroy my credit. Credit is low-700s. I don’t care about interest rate or promos involving that because I never carry a balance. The 2% card everyone has is the Citi Double Cash (but make sure to get direct deposits instead of statement credits). Wells Fargo has a popular 2% card if you prefer Visa, Amex has the Blue Business Cash if you prefer them. If you have or are willing to get a credit union account with Alliant, they have a 2.5% cash back card. The Chase Freedom Unlimited is currently 3% cash back for the first year, but only for the first $20,000 spent, and reverts to 1.5% when you hit that amount or after that year, so isn't as good a pick if you want to just get one card.
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Jan 19, 2024 17:22
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Alliant 2.5% cash back requires $1,000 minimum account and at least one deposit per month. That and the Fidelity 2% cash back card have no foreign transaction fees, which is nice if you travel. Both come with the luxury of Wells Fargo not signing you up for dummy accounts to pad their numbers.
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Jan 19, 2024 17:32
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Have you considered that you can change your discover card to have a picture of a dog wearing sunglasses? That’s gotta be worth some % cash back.
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Jan 19, 2024 17:45
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Boris Galerkin posted:Have you considered that you can change your discover card to have a picture of a dog wearing sunglasses? That’s gotta be worth some % cash back.  Can it be my dog
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Jan 19, 2024 17:54
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disaster pastor posted:The 2% card everyone has is the Citi Double Cash (but make sure to get direct deposits instead of statement credits).
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Jan 20, 2024 00:22
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Easychair Bootson posted:Why is that? Say you get $20 back in cashback rewards. Apply it as a statement credit, you're spending $20. If you deposit it in your bank account, when you spend $20 with the credit card you're also getting the % cash back on that amount as well. It's not a ton, obviously, but it adds up over the years.
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Jan 20, 2024 00:27
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The Double Cash is slightly weird in that you technically get 1% for spending and then 1% when you pay it off. Normally that's meaningless in the end, but if you apply your rewards as a statement credit, you don't get the second 1% for paying off whatever got erased by that credit.
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Jan 20, 2024 00:34
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Also this is really min/maxing, but the time from the purchase until payment of your monthly credit card bill is basically a zero interest loan. Better to send that bonus cash off to a savings account to accumulate a small amount of interest for you than to pay off part of the zero interest loan early. You should of course pay off your full previous statement's balance every month to avoid high interest accumulation against you (unless possibly you're in a zero APR signup period), but there's no value in paying it off early (which is essentially what taking a statement credit is).
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Jan 20, 2024 01:32
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That's why I pay my statement in the final week of being due. I want my money working for me as long as possible. Two more things to note, Not sure if they are still around or how popular they are, but cards outside of Citi which offer "forgiveness or forgetfulness" re: making purchases operate in the same way, it's a scheme to deny your cashback that people overlook for sake of being instantly applied or convenience. I know Wells Fargo used to have one. Citi Double Cash combined with Rewards+ turns it into 2.222%
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Jan 20, 2024 02:21
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Why not just get the Fidelity 2% with 0 foreign transaction fee instead of dealing with that Double Cash redemption gotcha? Is there some other benefit?
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Jan 20, 2024 02:47
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Splinter posted:Why not just get the Fidelity 2% with 0 foreign transaction fee instead of dealing with that Double Cash redemption gotcha? Is there some other benefit?
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Jan 20, 2024 02:55
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The Fidelity 2% is nice. You can pair it with a Fidelity Cash Management account which is an excellent checking account to deposit the rewards into. The 2% back on the Double Cash can be boosted just by having the Citi Rewards+ card and merging their Thank You Points programs. Extra 10% rewards makes it a 2.2% cashback card. The Bank of America Travel Rewards card is a 1.5% cash back card that can be boosted up to 2.625% with BoA's Preferred Rewards program at the $100,000 tier. (An IRA with them counts, so this is more attainable then it sounds). Rewards have to be redeemed against specific travel/restaurant purchase categories which is annoying. Alliant's Cash Back card is 2.5% cash back with some small requirements with their checking account. I like the card a lot but the physical card not having tap to pay is starting to become a problem.
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Jan 20, 2024 03:29
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BofA's other cash and rewards cards have similar bonus structures and I know with the cash one it's just straight statement credit.
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Jan 20, 2024 05:04
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Oh thanks I forgot they had a more traditional straight cash back card, that one just loses the no foreign transaction fee but eliminates the redemption annoyance.
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Jan 20, 2024 05:50
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FNBO has a 2% cash back card and rewards can be converted to cash and deposited in outside bank accounts.
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Jan 20, 2024 13:28
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I gave it some more thought, and I don’t mind juggling cards a bit. I pretty much never eat out though, so that devalues that category almost entirely. I spend on gas and grocery obviously, Amazon (I have a store card with them, but limit was reduced to $100 out of the blue), but most of my spending is at a few other online retailers. (Southern Hobby Distribution, etc) What would be the best cards for me? My credit score is low 700s with Equifax/Transunion, high-600s with Experion.
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Jan 22, 2024 19:07
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For convenience, I'd get a Citi Double Cash for 2% back on everyday stuff and a Citi Custom Cash for 5% back in either gas or supermarkets, whatever you spend more on (it's only 1% on everything else, so only use it for that one category). Combine your ThankYou Points and you'll have one pool of cash back you'd have to care about. If your spend is high enough, an alternative would be to get the AmEx Blue Business Cash as your 2% card and then choose either the Blue Cash Preferred, which is 3% cash back on gas and 6% cash back on supermarkets but has a $95 annual fee, so you need to spend at least $60 or so a week in groceries for it to be worthwhile, or the no-annual-fee Blue Cash Everyday, which is 3% on supermarkets and some online purchases (second category there). Note that "supermarkets" is very specific; if you buy your groceries at Target/Walmart for example, or at Costco/Sam's, you won't get the supermarket %. Note also that this is focused on cash back. If you're looking for travel rewards in the future, the Citi points would transfer over once you got an eligible card, but you can't convert AmEx cashback to Membership Rewards to my knowledge.
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Jan 22, 2024 19:34
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Valicious posted:I gave it some more thought, and I don’t mind juggling cards a bit. I pretty much never eat out though, so that devalues that category almost entirely. I spend on gas and grocery obviously, Amazon (I have a store card with them, but limit was reduced to $100 out of the blue), but most of my spending is at a few other online retailers. (Southern Hobby Distribution, etc) You should be able to get a 2% catch all card for everything else and at least a 5% card for either groceries or gas. Citi Custom Cash is 5% off one category (like groceries, or gas, or restaurants, etc) and 1% everything else. $0 AF. If you have a US Bank in your area you can also get the US Bank Cash+ which is 5% to two categories and 1% everything else. Also $0 AF. For your generic 2% you got a lot of options. Just pick one that is $0 AF like Citi Double Cash or the WF one. Or like do the PayPal one or whatever. Maybe look up minimum redemption amounts if that would make a difference.
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Jan 22, 2024 22:54
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Boris Galerkin posted:You should be able to get a 2% catch all card for everything else and at least a 5% card for either groceries or gas. Thanks for this! I don't suppose there's any card that would give more than 2% at Southern Hobby Distribution? (either personal or business, they sell sports cardsand CCGs and collectables to businesses) https://www.southernhobby.com/ I spend by far the most there, sometimes 1000s/month (or if I pick the category it falls into, which might that be?)
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Jan 23, 2024 01:48
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Valicious posted:Thanks for this! I don't suppose there's any card that would give more than 2% at Southern Hobby Distribution? (either personal or business, they sell sports cardsand CCGs and collectables to businesses) If you know how the category codes, you might be able to find something that does 5%? Like uhhh...Citi Custom Cash I think? I haven't looked too hard into that. Since we're in BFC, another option is to not spend thousands of dollars per month on things, something something Blue Story.
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Jan 23, 2024 01:53
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CubicalSucrose posted:If you know how the category codes, you might be able to find something that does 5%? Like uhhh...Citi Custom Cash I think? I haven't looked too hard into that. It's for my business haha. It's a sole proprietorship, and business income seen the same as personal, hence why either business or personal card is fine. Cards are called Cardboard Crack for a reason, so I get the confusion.
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Jan 23, 2024 02:00
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Valicious posted:Thanks for this! I don't suppose there's any card that would give more than 2% at Southern Hobby Distribution? (either personal or business, they sell sports cardsand CCGs and collectables to businesses) Alliant - 2.5% requires 1k minimum balance in an alliant checking account, 1 deposit per month Citi double cash & citi rewards+ = 2.2% BofA unlimited rewards preferred - requires daily balance of 20k to 1000k for increasing % increases BofA customized cash cash rewards - lets you pick one category for 3%, online shopping is a category. The problem is hobby stores isn't really a category and "online shopping" is also kind of an iffy category, so you might have to experiment a little. If you're spending that much there's also the more work option of running through various business sign up bonuses. I seriously hope you are flipping these things or something.
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Jan 23, 2024 02:03
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The fine print on the Citi Custom Cash 5% card seems to suggest the 5% is applied to the highest category automatically, so in your case it would automatically be applied to your baseball cards. But I also just noticed it's only 5% up to $500, after which it's 1% which is boo.
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Jan 23, 2024 02:04
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Valicious posted:Thanks for this! I don't suppose there's any card that would give more than 2% at Southern Hobby Distribution? (either personal or business, they sell sports cardsand CCGs and collectables to businesses) The Blue Cash Everyday's 3% on online purchases should apply there, but that only applies to the first $6000/year, which it looks like you'd hit very quickly. So if you go that route, use the BCE until you hit $6K and then swap to your 2% card. Same with the Bank of America Customized Cash Rewards card: you can pick "online shopping" as your 3% category but it only applies to the first $2500/quarter before reverting to 1%, and unlike the BCE it doesn't have 3% on supermarkets. Boris Galerkin posted:The fine print on the Citi Custom Cash 5% card seems to suggest the 5% is applied to the highest category automatically, so in your case it would automatically be applied to your baseball cards. But I also just noticed it's only 5% up to $500, after which it's 1% which is boo. It's applied to the highest eligible category, and neither online shopping nor hobby stores count. I don't think it's going to fall into a category that the Citi Custom Cash or the US Bank Cash+ will cover at 5%, unfortunately.
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Jan 23, 2024 02:13
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