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spwrozek posted:I have been considering changing cards lately but have been lazy so far. I use chase checking and have a chase freedom card. After this year they are removing the bonus points for having a checking account with them. I was averaging about 1.65% cash back accounting for the bonuses, categories, and 1% on everything.
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Nov 7, 2014 19:41
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It looks alright, but you could do better with the Citi Cash, BoA Travelcard, or Quicksilver. That is if you don't care about supporting The Man. I'd recommend the BoA card if you travel a lot. If you charge a lot per year (>~$12000), the Barclays wins.
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Nov 8, 2014 07:12
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On the flip side, I think Chase has the best over-the-phone service I've experienced from any company, and this is over three cards I've had with them (and sadly all closed).
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Nov 8, 2014 23:06
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You're still probably better off with the Citi Cash card on average, though the no FTF is a nice feature.
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Nov 10, 2014 21:39
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With that high of spending, you should consider the Barclays Arrival with the 2.22% plus all the travel benefits. The break-even point for the annual fee (vs. a 1.5% card with similar benefits) is ~$12,000 a year charged on the card.
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Nov 11, 2014 00:25
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Rurutia's correct. Maths below. http://www.wolframalpha.com/input/?i=2.22x-8900+%3D+2x+solve+for+x So really, right now the best way to maximize your flexibility and cash back is to have the Citi Cash (2%) and then one of the travel cards with no FTF and chip+sig/pin (BankAmericard Travel, 1.5%). I think I may be switching credit cards around... again...
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Nov 11, 2014 01:19
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Interesting post made by the "Finance Buff." If you have $100k in assets and willing to sell your soul to Bank of America and Merill Edge, you get an effective 2.65% on purchases after three months of establishing a checking and brokerage account with them. This includes free trading, no ATM fees, and all the benefits of the BankAmericard Travel Rewards. It seems crazy good, but you have to be loaded to take advantage.
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Nov 11, 2014 16:53
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If you use Paypal to pay for a lot of stuff, you can charge your new card through it. No FTF, either! Just don't send friends/family cash with the card, of course.
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Nov 17, 2014 23:37
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The ultimate question for you is do you prefer your $35 in points in cash (liquid, growable) or points (rigid). Also, if you have a decent interest-bearing checking/savings account, it technically will outperform credit card rewards. After hitting that sign-up bonus, I would just convert back to ACH or whatever for your rent.
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Nov 19, 2014 18:35
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Bisty Q. posted:
You're forgetting about the flat fee which negates the rewards...
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Nov 19, 2014 21:30
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Raymn posted:A number of years ago I had a bankruptcy discharged. After that I got a bad credit score card from Capitol One that has a yearly fee just so I have a card for emergencies. Since then I've never really carried a balance but USAA refuses to give me a normal credit card. I apply about once a year and am always denied. I haven't really applied at multiple places since I figure they'll likely end up the same? I would like to get a card where i don't pay a fee for it especially since I never really use the card but it seems like I'm kind of screwed right now. Anyone have any experience getting back onto the wagon of normal cards? Am I going to have to wait until it falls off? The fact that you weren't carrying a balance at all meant you weren't really building your score. Have you been paying off any other debts, like loans?
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Nov 24, 2014 22:20
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Raymn posted:I have no debt. My credit score is 672 which isn't great but I don't think is awful. I've had a balance a few times but for the most part I haven't really used it. It could very well be that my bank is just being super conservative with handing out cards and if I were to try elsewhere I would have some luck. That's a fairly decent score, so I'm unsure why USAA is rejecting you. Have you considered another card with a different bank (maybe a credit union), or is there something special about this one?
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Nov 24, 2014 22:29
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Bloody Queef posted:Jesus Christ stop spreading this poo poo. It's wildly incorrect. He was building credit by length of account being open. Utilization has no history component to it. It resets every time it's reported. Sorry, my wording was poor. I am a proponent of paying your card off every statement, thus I meant high utilization = better score, but even that is untrue it seems.
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Nov 25, 2014 02:03
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Citi Cash is pretty much guaranteed to give you more bang for your buck. If your spending on credit is greater than ~$22k annually, you'd benefit more from the Barclays Arrival Plus, even with the annual fee.
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Dec 18, 2014 06:16
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If your checking is earning any kind of interest, you'll be making cents more if you wait! 
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Dec 19, 2014 03:42
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Just for the sheer lack of hassle, the Citi card wins.
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Jan 8, 2015 07:15
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Omelette du Fromage posted:I'm buying furniture soon. What's the best card for dropping 3-4k on it, rewards-wise? Bonus points for 0% APR for a year or something, but that's secondary (I have the cash). Citi Cash.
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Feb 4, 2015 05:40
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Bisty Q. posted:Buzz, Arrival Plus. Citi Double Cash doesn't have a signup bonus. Citi does have no APR for a period of time, which is why I suggested it.
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Feb 4, 2015 06:09
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Their password requirements are also heinous.
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Mar 31, 2015 01:52
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SaltLick posted:Apparently Citi is about to update their interface Good, their interface is as bad as Barclay's in quite a few regards.
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Mar 31, 2015 16:54
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hbf posted:I'm looking for a card that preferably has: no foreign transaction fee, no annual fee, and has a chip/will be accepted around Europe. Based on the OP it looks like the BoA Travel Rewards meets the requirements, but was wondering if there is anything else that is decent? That's pretty much the best without an annual fee.
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Apr 21, 2015 02:06
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hbf posted:the main thing I'm after is avoiding a 3% fee for foreign transactions, and an annual fee. a few of the recommended cards that have that (aside from the BoA card) don't even have chips. I'm guessing not having a chip is limiting? It might be an issue in say, France. If you don't have an absolute grudge against Bank of America, their card is the best for % return, chip, and no annual fees.
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Apr 24, 2015 04:09
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Pron on VHS posted:Is Citi DoubleCash the best workhorse credit card for someone who doesn't travel much and doesn't have skewed spending habits across cash-back categories? (like, my spending is spread evenly among Amazon, grocery stores, etc.) It's best for domestic non-mileage, unless you spend a lot per year. If that's the case, Barclays Arrival Plus has a 0.22% edge on Citi, but with an annual fee. The breakeven point is pretty high regardless, something like $18k per year.
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Jun 23, 2015 18:02
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The BoA Travel Rewards redemption is based on "travel" related expenses, which is pretty broad by their definitions. You can also redeem on the same expense if you didn't fully redeem it previously, assuming the transaction hasn't expired.
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Jun 24, 2015 22:03
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We are talking about Travel Rewards, not Cash Rewards.
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Jun 25, 2015 02:08
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Massasoit posted:I'm looking to get a visa or MasterCard with a chip for going to Canada (currently have discover (poor acceptance) and Sallie Mae (no chip) cards. Discover if my current main card, Sallie Mae used for 5% cash back categories. Get both. One for domestic, one for travel.
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Jul 7, 2015 14:12
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365 Nog Hogger posted:I haven't applied yet because I'm unsure if applying for the card signifies activating/signing a contract, so I don't know if I'll be approved, but any thoughts on a Wells Fargo Cash Back Visa? I currently bank with them (checking/savings combo with some sort of UC employee account), have 0 credit history (as in reports simply return 'Thin File') but would rather get a regular card than a secured if I can help it. I would be paying in full every cycle, most likely just setting some of my bills to go trhough it and auto-debit payments. It seems like a fine entry-level card if you literally cannot get any other card.
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Jul 18, 2015 17:10
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My time with Chase was particularly excellent. Little to no wait, instantaneous service. Probably some of the best customer service I've ever had.
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Oct 3, 2015 16:35
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Its only weakness is a lack of sign-up bonus, so short-term gains are nonexistent. In the long run though, it'll outperform most every card with its no annual fee.
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Nov 11, 2015 21:51
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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.
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Nov 19, 2015 08:39
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The "travel" redemption guidelines are pretty relaxed, if I recall correctly. Works for amusement parks, parking...
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Nov 19, 2015 18:46
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Personally, I'd go DoubleCash and be done with it. Tack on the Quicksilver CapitalOne or Bank Travel Americard for travel: 1.5% cash back, chip+sig, and no FTF. I think either travel cards have a sign-up bonus, so you could start with that and then transition to the Citi DoubleCash.
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Nov 20, 2015 18:22
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lwoodio posted:I have always used debit and never had a credit card. I want to build my credit in preparation for buying a home. I recently applied for Chase Freedom, Amex Blue Cash, and Capital One Quicksilver, and was denied for all of them. Amex says my score was 605. What should I do next? Your bank may be a good place to start. Apply for a credit card there, preferably with no annual fee.
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Dec 4, 2015 00:14
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Assuming the 15th is when your bills are due... If you make any charges before the 15th of a month (let's say May), it will be added to your statement for that month. Those charges need to be paid by June 15th to avoid any interest.
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Dec 15, 2015 19:46
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Ugh, that doesn't sound good. I applied and got approved for the new Costco Visa but didn't do it while logged in. I hope they can figure out I am the same person. 
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Jun 22, 2016 06:11
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The Electronaut posted:Counter post: my switch over was seamless. Got the card a week or two prior, activated it, on Monday went in and added it to my online account; my account has checking as well as a couple credit cards. Counter-counterpoint, record level complaints.
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Jun 25, 2016 03:21
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Approved. 
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Aug 23, 2016 01:46
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I try to keep gas and restaurant cards on me, and register specific cards for website use like Amazon then stash them away.
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Aug 31, 2016 03:33
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Star War Sex Parrot posted:Hey, thanks Citi! First time I've tried this feature and it worked! I've made it a habit to get my receipt for in-store purchase because of this program. It sucks when it can't find exactly what you bought, though the paperwork isn't terrible.
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Sep 24, 2016 23:44
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The Mantis posted:What is the $1500 reward? I think he means the 100,000 points which are valued at least 1.5 cents per point.
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Oct 4, 2016 04:36
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