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THF13 posted:Capital One Quicksilver or Bank Americard Travel Rewards are your best bets. Both now have a EMV chip, no foreign transaction fee, no annual fee, and 1.5% cashback. You need to redeem the Bank Americard towards travel expenses but that shouldn't be an issue. BofA Travel is 1.5% default, 1.5% + 10% bonus if you have checking, +25% if you have 20k, +50% if you have 50k, +75% if you have 100k with the bank / investments. That card can range up to 2.6% rewards if you have 100k+ /w BofA/ML.
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May 4, 2015 02:36
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JibbaJabberwocky posted:What I want is a card that will not charge me annual fees or any APR on purchases I pay off right away. With the exception of a handful of truly horrible cards, all credit cards are interest fee if you always pay the full balance by the due date. If you carry anything from month to month then they'll charge you interest on what you carry and potentially as well on any new purchases until you're back into the "paid in full" category. Cash advances and what not are DIFFERENT, this only applies to purchases. So, buy what you want within reason, get your bill, pay the full amount on the bill by the due date, never pay interest. That easy. Don't do cash advances or balance transfers or buy monetary instruments with the card.
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May 15, 2015 03:09
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Speaking of Citi vs. Barclays on the AA situation. How long should I wait till I should cancel this Citi card? Because they provide the exact same benefits but the Barclays card is cheaper and better looking. Oh, and no foreign transaction fees.
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Aug 3, 2015 15:55
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EAB posted:So I'm 29 and never had a credit card in my life. My credit history is probably bad with a history of late payments on services, outstanding medical bills and other poo poo. If you bank there you get a 10% bonus on those numbers, then higher if you have higher relationship balances. So, 1.1, 2.2, 3.3%
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Aug 11, 2015 18:10
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ETB posted:Bank of America Travel Rewards may be good. 1.5% back, 3% for travel booked through the site, no annual fee, chip and sig, no FTF. BofA Travel rewards is undervalued by a lot of people I think. The main stipulation is that to redeem the rewards you have to redeem against travel related categories. So you have to have spend on the card for rental cars, hotels, airfare, or certain amusements. So you can just earn and dump back on the card for an ongoing discount, you actually have to go somewhere to credit your points back. BUT, not only does it start at 1.5% everywhere, it also gets a bonus based on your BofA relationship, including investments with Merrill and MerrillEdge. So if you have more than 50k in combined investments and banking you get a 50% bonus plus free trades at Merrill Edge. Over 100k nets you a 75% points bonus. So that card can be up to a 2.625% everywhere earner. Plus the other preferred rewards benefits (ATM fees, etc.). If you're already all-in with BofA or looking to consolidate investments + banking it can be a really valuable set of benefits.
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Nov 19, 2015 18:37
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ETB posted:The "travel" redemption guidelines are pretty relaxed, if I recall correctly. Works for amusement parks, parking... Amusement parks yes. My local Zoo for yes. ParkingSpot parking at DFW no. I'm just saying it isn't as easy as "give me cash back", you have to have something moderately travel related to cash in on. That being said, it doesn't take much hotel or rental-car spend to give you a nice redemption target for 12 months. And you can partially redeem as you get the points so long as you had a valid charge in the last 12.
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Nov 19, 2015 19:51
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Are there any legit churn options still out there? Barclays just offered 30k bonus miles for 15k spend split over 6 months (2.5k/mo).
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Nov 21, 2015 18:21
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pig slut lisa posted:What do you mean by legit churn options? Cards you can get multiple of in a year? What you posted is just a run of the bill spending bonus for a card someone already has. I mean things I can do to churn spend on the card for little to no cost. Like the old Treasury department orders. Or reloadable cards.
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Nov 21, 2015 23:00
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Weird experience just now with Citi credit cards. I called to cancel my American Airlines card since I have the Barclays product, they're essentially the same card, and the Barclays card is cheaper. Plus, I figure I can sign back up for the Citi card in 18 months or whatever and get the bonus again. Did the entire thing through the IVR system. No retention specialist or anything. Just, "Are you sure?", "Fine, done, do you want a confirmation text?" Seems odd that there wasn't any system to try and stop me from leaving. I guess someone ran the numbers and decided it wasn't worth it, but still, surprising. Also, I upped my credit limit on said Barclays card via their website, got a call about an hour later on the request from a human being, spoke with them for a minute, then was approved for some of what I asked for (I asked big, always ask big). BarclayCard has been surprisingly good to deal with. Their website, while garish, works really well, they actually support Chip&Pin, and a human has called me when necessary. FunOne fucked around with this message at 15:34 on Nov 30, 2015 |
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Nov 30, 2015 15:27
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EugeneJ posted:In September the liability shifted for fraudulent purchases from the card company to merchants, but only if the merchants didn't have an active chip reader. Ostensibly if they have the equipment they have the liability on chip enabled card transactions. That being said, many places haven't been willing to eat the transaction time differences to save the liability. Think of a gas station, the average transaction is small and quick. Adding a few seconds to each one to avoid a fraudulent transaction assignment might not be with it. That being said, I am seeing more and more merchants make the switch. Once the processors raise cost per swipe on chip enabled cards not run via the chip then many more will take the plunge.
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Jan 8, 2016 15:15
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BlueFootedBoobie posted:I'm a current Bank of America customer who uses its Cash Rewards cards for all purchases, paying in full in month (about 800 FICO). I also have an old BOA points rewards card and a Barclays card that I just used for an apple purchase, neither of which I still use. Are you qualified for preferred rewards /w BofA? That ups the earning power of the card considerably. If you aren't on a loyalty program with a specific airline that you need benefits for or are looking to do the points to miles transfer game then the BofA Travel card + Preferred Rewards can be a very high earning card.
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Jan 11, 2016 21:55
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Geno posted:If I go into a BofA or Chase branch, can I still try to apply for one of those rewards cards and improve my chances? Do you bank with either of them? The credit approval system at BofA for the branch is the exact same (backend) as what is available to you online. That being said, a big national firm is more likely to extend you credit if you have assets on them, the credit approval people can see things like that.
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Mar 22, 2016 17:21
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New 100k platinum offer from Amex. Very tempting to get that plus a card for my wife. Can I use the 200 fee credit to buy stickers on AA? The points are tempting, but travel wise I already get lounge access on international travel and already have Global Entry. Missing part is hotel and car status, but meh, I'd have them if I really wanted them.
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May 10, 2016 14:11
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overdesigned posted:god mother loving dammit Welp, don't worry too much, the links from yesterday are already showing as expired. I'll jump on the next one if there is one I guess.
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May 10, 2016 15:33
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Mecca-Benghazi posted:stuff Miles cards generally only make sense on top of existing travel. If you already travel for work with Delta then also get the Delta credit card kind of thing. Plus, you're not going to put 200-400k of spend onto one of those cards to generate the required mileage to get the awards you're talking about. Honestly, the easiest would be the BofA Travel card, chip, no fee, 1.5points/dollar, points are worth 1 cent against travel expenses, so effectively a 1.5% card, this goes up the more $ you have at BofA. Plus it'd be on your current BofA login for moving money around and keeping track of spend. You'd be able to credit those points against purchasing any ticket you buy, so airline wouldn't matter. I'm sure they've got some special where you get a boat load of points to start with as well with some immediate spend.
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May 11, 2016 22:52
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Mecca-Benghazi posted:
Apply for the normal one and if you get rejected then tell the reconsideration number to consider the student version. They should do that automatically anyway, at least that is what they told me the brief time I worked there.
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May 12, 2016 02:31
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OldSenileGuy posted:I've always heard the rule that rather than cancelling credit cards you don't use anymore, you should keep them open and just cut up the card. Generally, don't close cards just to close cards because this lowers your total available credit, and utilization is a big part of your score. That being said, unless you have some reason to min/max your credit score (buying a house in the next 6 months), just manage your poo poo and the score will sort itself out. Personally, I don't have cards I don't use unless they have some secondary purpose. Close the ones you don't use and call the ones you do to have your credit limit raised to make up for it. Did I lose 10 points when I closed my Citi card and couldn't get the credit limit completely covered? Yeah, for about 3 months. Turns out, never having a late payment and using my cards regularly makes me a pretty good guy to loan money to. The secret to a >800 credit score? Have money, spend money, use debt, pay it off. EDIT: Closing cards can also affect average account age, so again, if you're buying a house/car soon then be wary, but again, it will sort itself out.
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Jul 10, 2016 23:06
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gregday posted:Is BoA usually fine with merging credit lines between two card and only keeping one open? I've never had a problem. They'll make you leave $100 on the old card.
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Jul 19, 2016 15:22
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Tangentially related, but is there any way to get an item added to the Citi Price rewind feature? Or am I stuck doing my own search and completing the form?
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Oct 14, 2016 22:17
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Just got a long rear end survey from Amex. The WHOLE thing was about acceptance, with a big focus on Discover for some reason. I don't know what those idiots are thinking. The problem with my Amex is the rewards aren't as sweet as my other no-fee cards, it either has the same or lesser travel and purchase benefits, and it has intl' transaction fees. Bonus, upgrading to fix these is exorbitant and still doesn't bring it up to par. I don't know why they think acceptance is the issue. gently caress, BofA for no fee at all will throw 2.6% cash back my way. I pay a big 'ol fee to Citi to get my entire family into the lounge, even when we're travelling separately. If I upgraded to the platinum I have per-person extra card fees, I still don't get the same benes as the Citi card, and the rewards only get a tad better. Not worth it. I think I've got 30k Amex points hanging out cause I haven't figure out anything worthwhile to spend them on.
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Oct 28, 2016 17:52
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EugeneJ posted:What if you have Prime when you sign up for the credit card, but then you cancel Prime after? Would the card still work? Becomes at 3-2-1% card per their page.
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Jan 12, 2017 03:17
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A 5% discount at Amazon sounds great, but I have a feeling that the Citi Price rewind gets me there from my current rewards rate. Does the Chase card have something similar?
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Jan 12, 2017 18:00
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Leon Trotsky 2012 posted:USAA has a 2.5% cashback on everything card. Have to be a USAA member for it though (Military or family). Yeah, best I know of for "everywhere" is BofA's travel card. If you're preferred rewards top tier then it's 75% bonus on 1.5 points everywhere, or 2.62% back. I bit the bullet on the Amazon Chase card though, and they gave me the best rate with an absurdly low limit. Whatever, it'll live on my desk and give me an even lower cost on my huge volume of Amazon purchases. I think that Amazon card might be a very compelling card for a college student who spends most of their money on stuff, eating, and fueling the car.
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Jan 13, 2017 16:46
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Waroduce posted:I have 690 credit and I need a cc for business expenses. I will spend 15-20gs a year in travel probably. I have traveled every week this year except the first week of january. Who do you fly and where do you stay? Bonus spend, perks, and qualifying whatever's might be a good focus.
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Jan 24, 2017 05:14
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Waroduce posted:Wherever. Just whatever is closest to the client and I fly the airline w the most convenient times so I'm sorta all over. Amex Plat? 5x points on Airfare, Amex lounges, various credits and comps.
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Jan 25, 2017 05:34
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Thufir posted:Only $200 in "incidental fees" like baggage or whatever, the Airline gift cards are a loophole of some sort because Amex specifically says "This benefit doesn't offer credit toward airline tickets, mileage points purchases or mileage points transfer fees, gift cards, upgrades, duty–free purchases, or award tickets." It does work currently though, I just got $200 in Southwest GCs reimbursed. Some people have reported getting reimbursed for sub-$100 SW fares too. I wouldn't count on it long term though, and they closed the Amazon GC loophole. Yeah, but if you're proxying company spend through your own card, that's $200 back in your pocket for spend that is reimbursed and credited by Amex. Check some bags and make money! Or airplane booze and food. Same with the hotel freebie status, amex lounges, and whatnot. All additive in my mind if the company is picking up the spend and you're not on an AA or United where you'd want to focus your benfits.
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Jan 25, 2017 16:37
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I'm out of my depth here, what is the recommended small business card? I've got a couple of employees and am looking for something for regular purchases, financing some payables (think FedEx), and occasional travel use. Little to no fees would be best.
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Feb 24, 2017 18:52
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asur posted:What do you want? There are just as many business cards as there are personal cards so it's hard to reccomend without knowing what you're looking for as far as cash back, points, perks, etc. Category spend can also make a big difference if you have a lot of spend in specific areas. No annual fee or cheap. No foreign transaction fee. Rental car coverage. Cash back. Maybe I'll get everyone setup with BofA business travel cards, that's 1.5% cash back (effectively).
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Feb 24, 2017 22:21
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Does an airline fee have to truely be a fee? Or can it be inflight booze? Cause that would make the math for me to get it to obtain 2 years of hotel status for $50 bucks net. I'll use inflight booze and Uber credits, no problem.
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Mar 2, 2017 18:16
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pig slut lisa posted:You can actually buy airline gift cards and use them for airfare. Just make sure to purchase in denominations of $100 or less. I thought they had closed that loophole?
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Mar 2, 2017 20:40
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Ixian posted:This kind of thing, along with paying taxes on a CC for points and (sometimes) vehicles, is almost never worth it. Even if you pay it off immediately like you should the extra up front fees that companies tack on to those kind of high dollar transactions almost always exceed whatever reward points you get out of it. May be exceptions to this if so love to hear about it. Paid my taxes, I get 2.64% cash back and paid 1.something to pay my taxes with the CC. Then I pay my CC off in full each month. But yes, I agree, very rarely does this really make sense.
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May 15, 2017 15:49
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Ixian posted:IRS fees are 2% or close enough (they contract with several processors). I wasn't doing my math based on points * multiplier * redemption option. I'm talking about the BofA Travel, with their top status you get 2.64% cash back. No variable redemption/transfer poo poo, just cash back. 1.87% on Pay1040 to pay my taxes. That's 77 basis points net on that transaction. I'm not advocating most people do it. Hell, I wouldn't have done it normally. But it DID make sense to do this year.
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May 19, 2017 02:29
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Went ahead and applied and was approved for the new BofA Travel Premium card. Best I can tell I'll get the annual fee back in travel credits and I get additional bonus spend on top of the standard BofA Travel card so win-win for me. Plus, once I close and consolidate my other BofA card into this one I'll be juuust shy of having a full 100k line on one of my cards.
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Sep 18, 2017 19:08
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King George posted:I am looking to get a no annual fee, no foreign transaction fees, rewards credit card. I've narrowed it down to the HSBC Cash Rewards MasterCard or the Capital One Quicksilver. I have good credit, no CC debt, and pay off my balances at the end of each month. The BofA travel is stock 1.5% but goes up to 2.625% with relationship balances at the bank.
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Dec 18, 2017 15:00
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King George posted:I thought BoA was just travel rewards/points? I already have their normal cashback card, but since I live abroad, I wanted a card I can use without the extra % fee (and unfortunately can't really make use of any synergies with other banking services). They have two cards. Travel rewards, credits 1.5 points back per dollar spent + bonus based on relationship. 10% is stock (so 1.65 points everywhere) if you have a checking account, up to 75% with 100k in assets /w the bank. (2.625%) You redeem points against travel purchases, but it credits those at a straight 1% rate. So, you effectively get 2.625% cash back at the highest level. You only have issues if nothing you buy is travel coded. Premium rewards is their newest card, $95 fee but $100 credited yearly towards airline incidentals. 1.5 most places and 2.0 at restaurants and travel. So, 2.625 max everywhere and 3.5 on restaurants and travel). These "points" just credit as $$ back on your account. I've said it before, but I honestly think for many people who have IRAs the BofA rewards is a killer feature. You can keep your IRA invested, use its balances to count towards relationship status, and get tons of services. I get 100 free trades a month, the 2.625/3.5% cash back card, and I don't think I've paid a service fee for anything. Hell, I straight up forgot to pay a bill and they just waived everything given "my relationship". And I just go to the closest ATM that gives out hundos and BofA cheerfully pays the $3 convenience fee for me.
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Dec 18, 2017 16:26
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Bentai posted:https://www.bankofamerica.com/credit-cards/products/bankamericard-travel-rewards-credit-card/ Get the BofA travel card. It's 1.5% + bonus and no annual fee. Bonus starts at 10% and goes up with balances.
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Jan 20, 2018 20:35
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Harveygod posted:Speaking of the Amazon Prime Visa, I'm looking into getting one for me and my wife. I'd like her to be able to carry one with her name on it but have one bill for both our cards (which is how our AMEXs work). Has anyone else done that on the same Prime account? You can have authorized users, but most non Amex cards share the same number and do not break it out by user or card like Amex does. I do not easily see a difference between my wife's charges and mine on our Amazon CC.
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Jun 8, 2018 21:45
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Nur_Neerg posted:Membership Rewards: how long/what's it like getting points to post? I've got a few signup bonuses complete that I'm waiting on, showing as pending from May and June. Usually along with the following month's statement. So you usually get May's at the end of June normally.
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Jul 2, 2018 19:56
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Power of Pecota posted:How often do you guys have anything eligible for the Citi price rewind? I just recently got my Doublecash and honestly didn't realize that was a feature. All the time! But I use it for tech purchases usually. Things like TVs, monitors, Cell phones, etc where I'm pretty sure the price will change in the next 2 months. It isn't a huge 'reward' as much as making it easier for me to bite the bullet on getting something now while still 'buying it' for the 2 month later price. I have also used it to purchase from my preferred vendor and then get the lovely vendor price.
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Oct 18, 2018 19:16
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Harry posted:The new American Express Gold would benefit you greatly for your personal expenses. For the business expenses, it depends what they are but I think your spark card is going to be as good as it gets without insane optimization. Horrific? It's basic, but not terrible. Amex of course has by far the best system for finding transactions and details. The BofA offering for CC @ 2.6% everywhere plus bonus on the rewards card and free trades on their brokerage platform if you consolidate assets is a very good option for many people. There is a reason Chase copied it. Remember that unlike banking thresholds of old this one does not require cash, but assets. So that IRA of ETFs qualifies towards balance status.
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Oct 28, 2018 16:56
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