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I've been using a USBank Cash+ card on Amazon for 5% cash back for a few years but they are finally killing the "bookstores" category so that won't be an option anymore. What cards should I look into for big cash back on Amazon purchases? I've already got a Chase Freedom, the Uber Visa, a Fidelity Visa, Amex Blue Cash Everyday, the aforementioned USBank Cash+, and some crappy Citi card they converted my Citi Forward (rip) into.
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Feb 26, 2018 05:51
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astral posted:Prime gets you 5% on the Chase Amazon Visa or store credit card. Thanks. I see in the OP and from skimming the site though that the Amazon branded cards don't give the 5% cash back if you're piggybacking off someone else's prime subscription, which is what I'm doing. Without paying for the subscription it looks like it gives 3% cash back. Is there a better rate on another card? Maybe I've been spoiled since a ton of cards used to give 5% on "bookstores." I am probably going to apply for the Discover It though because I looked at the 5% quarterly categories for the rest of the year and grocery stores, restaurants, and Amazon are all pretty good. re your edit I might do that because the 2% Fidelity Visa's extended warranty and price drop protection aren't too remarkable.
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Feb 26, 2018 06:23
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astral im sorry you had to learn you weren't a valued cardmember this way.
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Mar 1, 2018 04:55
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Hauki posted:Alright this is a dumb and hopefully simple question. Did you try capital one? They gave me a "Journey" card with a $500 credit limit when I was a college student with no loan history.
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Mar 9, 2018 06:53
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In the past a few years ago when I had the Citi Forward I would do the student loan payment for 1 cent per point. It was a kind of involved process where you had to call them to redeem the points, and then they would mail you a check made out to a bank, and then you are supposed to write in the memo line your account info and then deposit it to the bank.
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May 17, 2018 23:18
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Jerk McJerkface posted:Update on this, my mortgage servicer won't accept this. They won't take partial payments. They'll take the first check they get, apply it to the payment,and then either send back the second, or assume it's a second additional principle only payment. Ugh. I've talked to several support people and no one seems to know what will happen, and they suggest against it. I'd much rather not get a mortgage payment tied up in phone support calls for weeks. heres a trick I used a couple times: when I did this to redeem Citi points they would make the check out to any bank. I got them to send me a couple "student loan payment" checks made out to "Fidelity Brokerage Services LLC". Your mileage may vary because I last did this several years ago.
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May 21, 2018 21:57
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Speaking of the uber card does it just not work with Square chip readers (ie the credit card chip reading machines made by the company Square) for anyone else?
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May 31, 2018 08:08
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It's going to be based on what the card processor categorizes the vendor as which is up to the discretion of Visa/Mastercard/American Express
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Jun 28, 2018 23:13
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drk posted:I'm looking to apply for a Amex Blue Cash Preferred soon - currently I have 4 credit cards, 2 of which I have no use for. My total revolving credit limit exceeds my annual income, so I was looking to cancel 1 or 2 of the cards I have eventually anyways. Should I apply for the new card before or after cancelling one of the old ones? I don't think they care about that. I have 8 credit cards with a total limit of like three times my grad student salary and American Express is constantly mailing me offers to sign up for a super deluxe card or take out an unsecured personal loan. Shear Modulus fucked around with this message at 22:15 on Jul 3, 2018 |
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Jul 3, 2018 20:31
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I want to sign up for the Discover It card. Anyone have a referral link?
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Jul 14, 2018 19:50
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I got the Discover It via Leon Trotsky 2012's referral link and they gave me a card with a $2000 limit??  this is maybe the first time that a credit card company gave me a credit line that's not like almost half of my annual income. discover must be the only company still operating on the decades-outdated "dont lend more than the borrower can reasonably repay" logic
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Jul 18, 2018 03:47
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Yeah I have like 10 credit cards and every one besides this Discover has a limit of at least 10k, some much more
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Jul 18, 2018 04:03
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apparently wells fargo has a new $0 annual fee card with a   $300 signup bonus and pretty good bonus point categories with 3% on travel and ""popular streaming services""the catch of course is that it requires you to also have a wells fargo checking account, savings account, investment account, HELOC, and two more checking accounts
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Aug 2, 2018 21:40
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yes that was the joke i made in my original post
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Aug 2, 2018 22:01
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The new-ish Wells Fargo amex also has 3% on gas stations with no annual fee. Since the no annual fee Blue Cash amex does 3% on restaurants the fair comparison for breaking even with the annual fee version's grocery store shopping is going to be double that $31/week number because that's what you'd have to be spending to make up the annual fee over what you'd be getting with the free version (95 / .03 / 52). Doable if you're buying for a family.
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Sep 25, 2018 05:31
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OldSenileGuy posted:drat, I went to sign up for this today, only to see the offer appears to no longer be valid. Oh well, I guess I'll wait a bit to see if it comes back, or maybe sign up without it in a month or so. I'm not really interested in signing up for another card and product changing to this one because I'm only interested in cash back rewards. Though I guess if there's another card with a good cash back signup reward AND the ability to product change to the Double Cash, I could do that? the uber card is one of the only cards where they actually called me to ask some weird identity verification questions before they would give it to me the other flat 2% cards are the fidelity visa which may or may not have a signup bonus and the alliant credit union card which has a fairly small bonus
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Sep 26, 2018 22:56
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TOP SPENDING CATEGORIES: 1. GOODS 2. SERVICES
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Oct 4, 2018 21:19
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the last guy who complained about the service on a united flight didn't fare too well
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Oct 20, 2018 01:29
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Hey guys just coming in here to complain about the uber card going to poo poo I just finished putting my first ever official big-money $2000 work trip on it Shear Modulus fucked around with this message at 07:16 on Nov 8, 2019 |
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Nov 8, 2019 07:13
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People use the airline branded cards because they give you extra frequent flier points if you buy tickets on that airline with them, and for business travel where you get reimbursed the amount it is basically free points. If your company is buying the tickets and you don't get the big-ticket manufactured spending of plane tickets it may not be worth the hassle of getting frequent flier points with an airline card instead of cash from another card.
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Nov 27, 2019 03:29
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the fidelity card gives you 1 cent per redeemed point but it also gives you 2 points per dollar spent
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Jan 2, 2020 17:52
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Moneyball posted:Spend $2,500 to get 5,000 points. Redeem 5,000 points for $25. for me it's always been that 100 points gives me $1  
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Jan 2, 2020 18:18
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Josh Lyman posted:How am I supposed rep my yuppie cred and impress dates without a premium credit card??? cancel the card but keep it in your wallet then make like you're going to pay with it but go "oh wait, i forgot that this one has better rewards on this spending category this quarter" and pay with another one
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Jan 15, 2020 01:49
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yeah they stopped giving cash and changed to uber credit earlier this year
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Jul 2, 2020 16:28
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runawayturtles posted:For referrals, Freedom is no longer available and Freedom Unlimited is now merged with Freedom Flex with a new link. I updated my links on the referral spreadsheet, but most of the others are dead. Should maybe update or make a new tab for the Flex, or merge the tab with Unlimited since it'll be the same link. And I guess clear out the dead ones at some point. Great news, I was just about to apply for the Flex since I just saw the grocery store offer this morning and you're the only one in the new sheet (besides me) so I'll use your link.
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Oct 5, 2020 22:13
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Chase has a new card called "Freedom Flex" that has a signup bonus of 5% on groceries for the first year or like $10k spending whichever comes first
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Oct 21, 2020 17:07
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It's hard or impossible to get the money out of the dumb prepaid debit cards on purpose. The point is to make you use them like a debit card so that the visa or mastercard can collect processing fees. If they let you cash out the full balance they'd be taking that away from themselves.
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Nov 16, 2020 01:30
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How does Chase work with getting the signup bonus a second time? Can I cancel my freedom unlimited (the 1.5% cash back one) and wait a year or two then apply for the card again and get the bonus again?
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Feb 12, 2021 22:24
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I just noticed that in the past month or so someone must have signed up for the Blue Cash American Express with my referral link from the spreadsheet. Thank you very much, fellow goon. Weird, they didn't send me an email about it and I only saw the referral bonus when I logged in to my account.
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Feb 19, 2021 05:31
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Jerk McJerkface posted:Just bouncing this for the new page along with a question. I have to spend about $3000 in a couple months, and I can split it between two or three cards. What's a good combo of cards with initial bonuses that pay out in cash (I don't want a bunch of hotel points atm). Just some context, I have all the Chase cards already (so I can't churn then as well as Amex BCP). Wells Fargo Propel has a $200 bonus for $1000 spent. I have another question of my own. I opened the Capital One Savor (the version with 4% CB on restaurants and the annual fee) last March but I want to close it now because while the annual fee was waived the first year, paying it now obviously isn't worth it. Is there any way I can open the Savor One and get its sign up bonus and close the AF version, or is that impossible and I'd be better served asking them to downgrade me to the non-AF version? Never downgraded out of an AF tier before.
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Feb 25, 2021 20:10
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Oh hey Alliant sent out an email saying that they're reversing the decrease in value of their cashback points "in response to member feedback." I wonder if that feedback included everyone immediately stop using the card like how I switched back to the Fidelity 2%.
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Mar 10, 2021 20:33
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Unsinkabear posted:This was so lovely because I never got the email that they had changed it, only the one about reverting the change. Luckily I was working on a CapOne business card bonus at the time, or I would have just screwed myself over for a whole quarter without ever realizing it (their 2% card is normally my go-to for flat rewards). I also received no notice about it and I'm going to cash out my points immediately and still not use the card.
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Mar 10, 2021 21:20
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It'd make sense to be first billed for it at the end of the first year if they were waiving the first year's fee.
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May 12, 2021 18:19
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Capital One's thing is that they have no foreign transaction fees for any of their cards including the free ones
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May 22, 2021 15:55
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5% cash back on grocery stores, excellent, I'm in.
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Jun 11, 2021 09:56
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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
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Jul 20, 2021 21:30
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USBank Altitude does 4% cash back on restaurants for no annual fee. The Citi Custom Cash also has restaurants as one of its 5% categories
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Oct 9, 2021 00:17
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SnatchRabbit posted:It looks like my year of 5% on groceries for my chase freedom unlimited is up so I am looking for another card preferably chase affiliated, since I have a Amazon card a bank account and a mortgage all ties to the same account, that has a good bump for grocieries since that and Uber eats and stuff is where a big chunk of my spending goes. I’ve heard chase sapphire is pretty good. Any thoughts? The Citi Custom Cash gives 5% on groceries, up to $500 spend a month, if it's your highest spending category on their list of eligible categories. That's the only 5% on groceries with no annual fee I know of right now. Another 3% on groceries card is the Amex Blue Cash which unlike the CSP has no annual fee, but the CSP signup bonuses Unsinkabear mentioned sound much better.
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Oct 26, 2021 18:25
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Speaking of extended warranties, I was looking into this recently and apparently Citi now has the best credit card extended warranty on paper (they offer 2 years while everyone else including Amex only offer 1 year), but I dunno how easy it is to actually get the money from a claim. Also they only offer it on some of their cards, which does not include the double cash. The BCP or some Chase cards might be the best extended warranty cards that also have other good rewards. https://thepointsguy.com/guide/best-cards-for-extended-warranty/
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Oct 27, 2021 17:28
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Anyone here have any experience with how easy filling a claim and getting the money is for any of the non-Amex extended warranties?
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Oct 27, 2021 17:49
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