Credit Cards

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Please use the following template so that everyone can make appropriate recommendations:

• Current cards: (list cards, limits, opening date)
  • e.g. Amex BCP $8,000 limit, May 2019
  • e.g. Chase Freedom Flex $10,000 limit, June 2021
• FICO Score: e.g. 750
• Oldest account age: e.g. 5 years 6 months
• Chase 5/24 status: e.g 2/24
• Income: e.g. $80,000
• Average monthly spend and categories:
  • dining $800
  • groceries: $400
  • gas: $100
  • travel: $100
  • other: $30
• Open to Business Cards: e.g. No
• What's the purpose of your next card? e.g. Building credit, Balance transfer, Travel, Cashback
• Do you have any cards you've been looking at? e.g. Chase Freedom Unlimited
• Are you OK with category spending or do you want a general spending card?

Remember to use the correct post flair: Card Recommendation Requested (Template Used)

Here are some resources to get you started:

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• r/CreditCards Wiki - Index
• r/CreditCards Wiki - Credit Card Basics
• r/PersonalFinance Wiki - Credit & Debit Cards

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I've been searching previous post so I can try to create a detailed list of al the streaming service or any other service that earns 5% aside the from the usual Internet, Phone, Cable and Office Supply company. The List will be in my profile's pinned comment (will update it regularly base on everything I learn). Many streaming service count as cable. Even services like zoom codes and gets 5% (I assume as phone service.) What are some services you use that I don't have listed here that are coding as 5%? Is anything in my list not coding for you, or no longer coding, let me know so I can remove it. Some of these were tested by me but most are from previous post i've looked up. Are there any other unique find that code as 5%, example would be a specific store coding as office supply store that many are not aware of. Any suggestion will be greatly appreciated.

I didn't include the usual phone, cable and internet companies, or usual office supplies stores such as staples or office max. Im trying to create a list for the less known advertise services for the card

Edit: changes based on comments

Will Earn 5%
AMC+
Apple Music
Apple TV+
DIRECTV Stream
Discovery+
Disney+
ESPN+
Fubo
Hulu
Linode
Netflix
Pandora
Paramount+
Peacock
Showtime
SiriusXM
Sling
Spotify
Starz
Vudu
Zoom

Will NOT Earn 5%
Apple One services
Google Cloud Platform
HBO Max
YouTube Premium
YouTube TV * (can work if added as an add-on through other services, ex. Frontier Internet)

There several threads about current setups and dormant cards on here. With SUBs being the biggest driver of point accumulation, why aren’t more people willing to apply for the Chase Ink cards? Is there some downside I’m not seeing?

This is for my Chase Reserve people. I've noticed lately that their portal doesn't show the same flights as I can find online. And today, I found the same exact flight for $234 on their portal, that was $149 on American Airline's website. I called the travel center and they wouldn't honor the lower price, event though it's the exact same flight. Which means, the real dollar value of my points is slashed significantly. Is anyone else experiencing this? Do other credit card companies do this? It's making me think about jumping ship, but as far as I know, most people are still happy with their reserve cards for travel. Bummer!

I recently got the Sapphire Preferred early May to add to my setup. Here is what I'm running with.

-Venture X = Catch all card -Sapphire Preferred = Dine in -Savor One = Grocery & Entertainment -Citi Custom Cash = Gas -Amazon Prime = Amazon shopping

I was using my Savor One as my dine in card but since I got the CSP. I figured it's better for me to use the CSP instead just so I can get more Chase points even though both cards are 3x for dine in.

My next card I would like to get is the Chase Freedom Flex but I can't get that till Feb 2025 due to the 5/24.

Hello all, I have created a list of underrated credit cards that seem to be trending on this sub. Should any others be added?

List of Cards:

• RedStone FCU Visa Signature
  • 5% in cash back rewards on gas and restaurant purchases.
  • 3% in cash back rewards at grocery stores, discount stores, wholesale clubs, utilities, cable, phone and streaming services.
  • 1.5% in cash back rewards on all other purchases.
  • No AF
  • Bonus: 30,000 bonus points when you spend $3,000 within the first 90 days (Worth $150)
• AAA Daily Advantage Visa Signature
  • 5% cash back on grocery store purchases
  • 3% cash back on gas and electric vehicle-charging stations, wholesale clubs, streaming services, pharmacy and AAA purchases
  • 1% cash back on all other purchases
  • No AF
  • Bonus: $100 statement credit when you spend $1,000 within the first 90 days of account opening
• AAA Travel Advantage Visa Signature
  • 5% cash back on gas and electric vehicle-charging station purchases
  • 3% cash back on grocery stores, restaurants, travel and AAA purchases
  • 1% cash back on all other purchases
  • No AF
  • Bonus: $100 statement credit when you spend $1,000 within the first 90 days of account opening

• Kroger Rewards World Elite Mastercard

  • 5% on Mobile Wallets and Kroger Pay (on up to $3000 in purchases/calendar year)
  • 2% in store
  • 1% everywhere else
  • No AF

• BMO Cash Back Credit Card

  • 5% cash back on eligible streaming, cable TV and satellite services
  • 3% cash back on eligible gas and grocery purchases (on up to $2,500 of spend per quarter)
  • 1% everywhere else
  • No AF
  • Bonus: $200 cash back bonus when you spend $2,000 within 3 months 

• PNC Cash Rewards

  • 4% on Gas
  • 3% on Restaurants
  • 2% on Grocery Stores
  • 1% everything else
  • Up to $8k in spend for 2, 3 and 4% categories
  • no AF
  • Bonus: $200 after $1k in purchases in first 3 months

• US Bank Cash+

  • 5% Back in 2 categories of your choice (up to $2k in spend/quarter)
  • 2% back in 1 category of your choice
  • 1% everywhere else
  • No AF
  • Bonus: $200 after $1k in purchases in first 3 months

So I got my first credit card a couple months ago, and have been using it to get gas to fill my car. So about $45 each time. As soon as the transaction approves, I pay it off in full each time. My credit limit is currently 300 and the APR is 30%,

My current credit score is 675, how long can I expect for it to go up if I continue paying it on full, every time? Will my credit limit eventually go up?

Just looking for advice

I have the Platinum, Gold, and BBP. As well as Marriott Bevy purely for hotels. I travel 180 days of the year, all over the world. Apple Card as my non Amex backup.

Was contemplating switching away from Amex to Chase as I feel it seems redeeming UR points for a consistent, good value is more straightforward. No experience of course, that’s just how I felt.

However, in researching one thing I completely stopped looking down this track, and I’m happy with my American Express set up.

In order to earn the airline multipliers with the Chase sapphire reserve, you have to book through their portal. That means that every flight becomes a third-party booking.

With how much I travel, I know for a fact it’s been far better to be able to deal with the airlines directly rather than a third-party. I end up having a lot of changes.

However, the last time I used a third-party was many years ago, and it was a bad experience. Maybe that’s better now?

Looking to round out my current setup with a catch-all 2% back card on all "other" purchases. I'm down to either the Fidelity Visa or the SoFi Mastercard, as these are the only two cards with no annual fee, no foreign transaction fee, and the ability to readily invest your cash back.

As life gets busier, I've started to like the idea of shifting to a 1-2 card set up to capture my purchases (currently have the USBAR, which I love). Investing my cash back is something I've recently become interested in as way to see even greater returns. Wanted to ask those that have either card of their experience with it, how they use the card (as a catch all or a single card set up), and their investing experience with Fidelity and SoFi.

• Current cards:
  • Amex BCP (May 2006)
• FICO Score: 835
• Average monthly spend and categories:
  • groceries: 1600/month mainly from Target (have target debit), Walmart, Aldi, Meijer
  • Amazon purchases frequently
  • other big monthly expenses...utilities (especially electric due to home EV charging)
• What's the purpose of your next card? Because of where I shop, I'm only getting 1% cash back with the Amex BCP
• Do you have any cards you've been looking at? Sofi 2%, WF active cash, Citi double cash
• Are you OK with category spending or do you want a general spending card? General

I’m so curious on this subject. So I know credit card companies purchase points from hotels and airline loyalty programs for the points they offer on co-branded CC’s, but are they doing this for every single point they give out across every CC?

As an example, I spend $100 on Travel on my CSR and earn 300 points, do the bank just create those points? Or are they getting purchased from a airline or hotel as well?

If so, why don’t banks just create their own points the same way hotels and airlines do?

Considering the banks are also paying to merchants when we redeem them in portal + paying airlines/hotels when we transfer them, this seems crazy to me if they are paying to issue and also to redeem/transfer, even if they’re making substantial revenue from IF/Interest.

If anyone can lay out for me how these deals work (both on buying points and also redeeming/transferring them) that would be amazing.

I have a few cards I cycle for the type of purchase I'm making. If the store has Apple Pay, I pay with my Apple Card and get 3% cashback.

If it's online and accepts PayPal, I pay with my PayPal Mastercard and get 3%.

For gas and dining, I have a Capital One card that gives 3%.

Almost every single purchase I make with my cards gets 3% cashback. I spend about $2K a month and get $60 in cashback. I know it isn't a lot, but it's free money.

Every year, I travel abroad and spend about $2K on plane tickets and another $1K on hotels and such.

I'm trying to find a credit card that has no annual fee and makes sense to earn miles instead of cashback.

I've been running numbers, and those Chase and Amex cards are just too expensive to own. Some people like having access to lounges and such, but I don't really care.

Discover Travel card gives $180 if you spend $12K a year, which is like 1.5% cashback.

It sounds like those miles and points are a scam if you can get 2-3% cashback for your every purchase. PayPal credit card gives 3% for PayPal purchases and 2% for everything else.

Please tell me I'm missing something and there are good credit cards for travel points because I can't find any.

I've had perfect credit for 6 years now, never missed a payment or anything. Score is currently 815. Well April 19th something got charged to my PayPal MasterCard and I completely didn't realize it cause I hadn't used that card in a few years. Well I realized yesterday and paid it completely off. It was only 15 dollars. But is there a chance they'll report that. It would suck to mess up my credit over 15 bucks.

Is there an aggregator that lists all the “add to card” offers across different credit cards?

Example: Amex has 10% back on Dropbox, Chase has 20% back at Five Guys

I'm looking to avoid inquiries and I know 2 things

1) Amex only does a hard pull for your first card 2) Once your business has a credit score you don't need to personally guarantee it

Does this mean that I could get an Amex business card, and wait a while so my business gets a decent credit score and get as many cards as I want with no effect on my personal inquiries?

My fiance and I are looking to honeymoon in Punta Cana and are interested in opening a travel credit card to get the points. We are thinking we book the stay with the credit card and use the points to offset flight costs.
We have looked into Chase Saphire card but don't really care for the airlines they are associated with. Any suggestions?

CREDIT PROFILE

• * Current credit cards you are the primary account holder of:
  • Capital One Savor One, $3500 limit, opened 8/23
  • Discover Student, $1000, opened 12/23
• * FICO Scores with source:
  • FICO Score: Experian 674, Transunion 725,
• * Oldest credit card account age with you as primary name on the account: 9 months
• * Number of personal credit cards approved for in the past 6 months: 2
• * Number of personal credit cards approved for in the past 12 months: 1
• * Number of personal credit cards approved for in the past 24 months: 2

• * Annual income $20,000

• * OK with category-specific cards?: Yes

• * OK with rotating category cards?: Yes

• * Estimate average monthly spend in the categories below. Only include what you can pay by credit card.

  • * Dining $:100
  • * Groceries $30
  • * Gas $50
  • * Travel $50 (Mainly flights to and from school at an average cost of 100 each way)
  • * Do you plan on using this card abroad for a significant length of time (study abroad, digital nomad, expat, extended travel)?: No
  • * Any other categories
    • Entertainment - $500
  • * Any other significant, regular credit card spend you didn't include above?: N/A
  • * Can you pay rent by credit card? - N/A

MEMBERSHIPS & SUBSCRIPTIONS (delete lines that don't apply)

• * Current member of Amazon Prime?: Yes
• * Current Verizon postpaid customer?: No
• * Current member of Costco or Sam's Club? Yes
• * Currently paying $13.99/month or more for Disney Bundle (Disney+ / Hulu / EPSN+) or other Hulu services? No
• * Current member of Chase, US Bank or any other big bank?: Yes (Capital One, WF, Citi, Discover)
• * Active US military?: No
• * Are you open to Business Cards?: (these are an option if you have any kind of side gig, such as selling on eBay or Etsy) No

PURPOSE

• * What's the purpose of your next card (choose ONE)?: (first credit card, balance transfer, saving money, travel rewards)
  • SUB/possibly travel
• * Do you have any cards you've been looking at? - WF Active Cash (Have a checkings account with them), Chase custom cash, VX, Jetblue Plus

Long story short, I accidentally disputed a game on steam and called it fraud. How long does it take to reverse a chargeback?

Bilt Mastercard Approval Odds?

Hi all, I am interested in applying for the Bilt Mastercard after recently moving out of my parents house and into an apartment at 1,300/mo. Before spending a hard pull on the Bilt app, I'm seeking some feedback as to what my odds are of getting approved for this card, and how long I should wait till applying if not just yet.

General info:

• Income: $100k
• Relationship with Wells Fargo: I'd consider myself WF's nightmare customer... Checking account holder for 7mo, opened account for $350 SUB after two direct deposits, currently keep $5 in account to avoid closure.
• Savings: ~60k
• Experian FICO Score: 758
• Chase 5/24 Status: 5/24
• Current cards:
  • Amex BCE (June 2022) $6.5k limit
  • Citi Custom (Sept 2022) $5.2k limit
  • Amex HH (Dec 2022) $5.2k limit
  • Capital One Savor One (May 2023) $10k limit
  • Fidelity Visa Signature (Mar 2024) $17.5k limit
• Oldest account age: 3 years 1 months

thanks everyone!

Got a capital one quicksilver and it's 0% apr for 15 month. I'm planning to use it for my honeymoon and charge quite a bit. I will obviously try to pay it off before the promotional period expires, but assuming I can't, would I be able to balance transfer the remaining balance to another card to "pay it off" and avoid the back interest?

The card is deferred interest.

Hello, just got my CC last month. I got 300 dlls cuz is my first cc so I don’t know how it works

My account looks like this: Current balance: 299.11 Available credit 0.89

Schedule payments: Your first payment will be due July 2. We let you know the minimum amount after jun 7

Autopay - ON Autopay option: statement balance Autopay date: monthly (every 2nd)

Its the second of this month and they haven’t take the money from my debcard… so, should I pay it manually??

Thanks for the advices in advance!

I've been considering applying for a new credit card and have been lurking on this sub here and there. Wanted to fill out this template and hear from the community.

• Current card: Discover it Card, $3,500 limit, August 2021
• FICO Score: 786
• Oldest account age: 6 years, 9 months
• Chase 5/24 status: n/a
• Income: $60,000/yr
• Average monthly spend and categories:
  • dining: $300
  • groceries: $500
  • gas: $75
  • travel: $100
  • other: $200
• Open to Business Cards: No
• What's the purpose of your next card? Building Credit, Cashback, Better Perks
• Do you have any cards you've been looking at? Chase Freedom Unlimited
• Are you OK with category spending or do you want a general spending card? General Spending Card

Additional Info: I am currently considering applying for a new credit card so that I can build my credit more and take advantage of greater perks. I have been considering the Chase Freedom Unlimited due to its $0 annual fee and cashback offerings. I've read a lot about cashback vs. points cards and think at this time a cashback card might make more sense for me. I'm not doing much travel at the moment and as you can see the majority of my expenses come from dining and groceries. I am not likely to purchase a home/apply for a mortgage any time soon. I do not currently bank with Chase. Hope this helps.

Thanks in advance, everyone.

If I have the Venture X & my partner has the Savor 1, can they transfer their cash back rewards to miles on my account so that we can pool our miles together for travel?

I’m just trying to decide if they should get that card or if they should look at getting another card.

I want to finance a storage shed, but I don’t want to apply for either of their in-house cards.

I was thinking about getting a new business card for this purchase. Needs to be “sole proprietor” friendly. I anticipate spending $3-4k.

Card recommendations?

All those cash back offers......

https://ibb.co/YWn9jJY

I just got approved for the Chase Freedom Unlimited card, and I’m planning to use it for the next few months before I start a new job. However, I already have a Chase account with another CC that I’ve had for several years. Does the 0% APR for 15 months still apply then?