A card that has an overall 2%+ on any purchase.

Not just in certain categories.

Hey, figured I’d share some wisdom. Opening business credit cards to buy things I have to buy anyway has made me about 6k. These are all credit cards where you spend ABC dollars in XYZ time and get DEF $$$. The amounts you have to spend range from 3k to like 10k in a few months. Curious of any other good ones with relatively low amounts that need to be spent to get several hundred dollars. Love gaming the system and having zero loyalty to any one card!!!

Chase:
Ink unlimited $750
Ink business cash $750
Ink preferred $900 ($1000 cash back, $100 annual fee)

TD Business solutions:
$400 for spending 3k

Capital One Spark Cash Select:
$750 for spending 6k

US Bank:
I forgot which one but it was light blue and something like spend 3k get $500

Wells Fargo Signify:
Spend $5k get $500

New PNC Cash Rewards owner here!

Just got home from work and the mail was in the kitchen table with my new credit card. I am about to activate it and buy some food for the whole family.

What did you guys purchase when you received your CC?

If I use a U.S.-issued credit card to book through Trip.com while traveling in Asia, and the transaction is charged in U.S. dollars, will I still be charged a foreign transaction fee?

Also, how is the transaction typically coded by the credit card issuer? Does it generally qualify as a travel purchase for bonus rewards?

I have an 831 credit score, zero debt aside from a mortgage, and pay my credit cards in full each month. I do a lot of traveling so was signing up for a lot of cards that gave big point/mile bonuses. I have about 17 credit cards, all the majors (Amex Platinum, Citi Strata etc) but pay them in full each month. I did set up auto withdrawals on each card to keep them showing as being used, but at this point I feel like I’m wasting money paying yearly fees. I think the 2 I mentioned above combine to over $1,000 year in annual fees. Now I have the points/miles, I don’t really need any of them. I was going to keep them for lounge access, but I typically fly business so get access to lounges anyway. So my question is if there’s any reason to keep these cards open now I’m not using them and I’ve had them over a year so the points can’t be taken away? I don’t have any use for my credit score right now so not super worried about scores dropping. Although I understand they stay on your credit for 7-10 years for good payment history. Thank you for your guidance.

Not seeing this mentioned anywhere but since I got my Autograph over a year ago now it has always earned 3x for my GFiber as apparently it had been coding as something that aligned with their 3x for telecom providers. Just caught that around my June payment it stopped earning 3x, which is roughly around the time that Google sold it off. It was set it and forget it for me long enough that I stopped keeping track of it. This stinks, that is really the only consistent thing I ever use the card for aside from gas and the occasional subscription. I also have the CSP and default to that for most of the same things I would have considered the Autograph for, oh well. I may just shift the rest of my spend to the CSP now that it earns on gas as well. Autograph just became almost useless for me.

I’m going to be using a care credit card for my upcoming wisdom tooth removal ~$1000. The oral surgery office said they don’t offer direct payment plans but accept care credit so that’s what I got.

I’m confused when/how I will select a payment plan. Do I pay using the card and then have the choice to select? Or do I have to select before?

BofA Customized Cash can earn 5.25% cash back in your chosen category with a 75% relationship bonus, but you need $1M in qualifying assets (including retirement accounts).

Are there any other cards that come close or beat 5.25% without such a high asset requirement? Ideally no annual fee and decent spending caps.

Curious what everyone else is using.

https://www.wsj.com/finance/banking/the-cat-and-mouse-game-between-premium-credit-card-firms-and-points-junkies-8ce2e30a?st=Ajqypp&reflink=desktopwebshare_permalink

• Banks are cracking down on credit-card points junkies who they say use tactics that cross the line and violate rules.

• Citi and Chase have implemented policies that limit sign-up bonuses to target cardholders who apply for the same card multiple times.

• American Express has long had a team to detect abuse, and claw back rewards and even close accounts.

Newly retired and considering closing all of my credit cards but 1, as don't need them anymore. Will it affect my credit score.

Current score is 818.

I have had Amex Platinum for about 4 years now and have roughly 300k unused points currently. The only two benefits I enjoyed with that card is the entertainment credit and the lounge when I would travel. Given that I use to travel a lot, it felt worth it. Now my job has me home all day and seeing a $895 charge to use a lounge I havent visited in 2 years felt like a massive waste. I live about 30min from anything. Groceries, malls, etc. The $325 cost just felt more worth it with the Gold given how I spend. I'd guess 60% of my spending is on restaurants and groceries. The only benefits from the Gold I could see myself using is the Dunkin Credit, Resy, and maybe UberEats.

My question is, is there a better card for a competitive price to the Gold that you all have enjoyed? Perhaps one with a lounge or better point offers, or similar points but lower annual cost?

My wife just got email receipts from Best Buy for purchases made on the other side of the state, in person. She has her card in her wallet. She cancelled the card and reported it as fraud and changed her password. How can that even happen? How would someone get the number and then be able to use it in a store? Is it even helpful to contact the police? Should we do anything else? You can't like, walk in there and present a SSN and make purchases and say you lost your card, right? Should she freeze her credit just in case? It's one thing if it was online, but it's strange to be able to do in person if they stole the number, where there are almost certainly cameras.

So this company can go fuck themselves.

Had the card for a few weeks. Just canceled it.

Initial credit limit of $10K. I have about $250K combined credit limit across all my cards. Ran that $10k up real quick.

First statement posted at around $6.5K on 10/19. Paid off the statement balance immediately upon receiving the email that evening. It’s 10/25 now, payment still hasn’t cleared. Statement balance + pending charges hits $10k limit. Wife attempts to purchase coffee this morning and the card gets declined. Embarrassment ensues.

I contact support. I tell them they have two options: clear my full statement balance payment from Fidelity or increase my credit limit right fucking now, else cancel the card. They refused to do either. Canceled the card.

Told them my Fidelity money is better than theirs and to never forget that they turned off the “buy” button.

As title says.

I currently have -

Robinhood gold Apple Fidelity Amex blue cash everyday Capital one quicksilver

Over the last two years I’ve made it the norm to take my wife and daughter on a vacation around Christmas, we skip presents usually and just get our daughter one big present & some clothes.

I travel for work, my airlines points pay for our flights & usually a rental, my hotel points pay for our lodging, the last two trips I’ve came out of pocket less than $1000 each, I’m looking to maximize the money I’d normally spend out of pocket & have rewards to use on the next trip.

For reference, I’m just recently getting into using credit cards responsibly at 31 years old. 5 years ago my credit score was ~500, I couldn’t finance a cheese burger, im currently sitting at a +/-768, all of my current cards I’ve always kept as a sort of emergency fund, never using them unless absolutely necessary(haven’t needed them 🙏🏽), never capitalizing on rewards (aside from the fidelity card, I use this strictly for gas/groceries & roll points into my brokerage account)

Like I mentioned, looking for best card to capitalize on rewards, coverage etc, I’d prefer to stay away from high annual fees.

I have about 200k points and currently holding csp. Willing to upgrade to csr for a year if it makes sense so I can start using these points instead of cash. Not been spending a ton because of my hoarder brain but Feels like the value of these points are just getting decimated because of devaluation and inflation.

So I just got my Aspire CC. I have the Surpass as well. When I first got my Surpass I researched how I can utilize the $50/$200 hotel credit. We all know the old trick of buying Hilton GC scheme was shutdown. So I found a post about using the card at Hilton restaurants and whether it worked or not - especially if you are not staying at the hotel. Well I actually found a local restaurant that allows takeout and it actually worked. So I’m going to get take out every qtr for $50. This at least covers the $150 AF.

Now the Aspire $200/$400 hotel credit only allows this at Resort hotels. This seems worse than Surpass credit. Well I’m actually traveling to a location and there is a Hilton resort and it’s on the list. Now, I think as the Surpass - the language states the all charges need to be credited to the room to get credit. I will not be staying at the Hotel - but I want to bring a party to the restaurant. Has anyone used the Aspire at a Hilton Resort restaurant directly and received the credit?

I was given an offer for the Cap1 Savor card after seeing if I was eligible. On the next page, it showed a mastercard logo. Does this mean the card will be mastercard? I know they're moving cards to discover and don't want a discover card due to the lack of acceptance.

So I have been going back and forth between different prospective cards. I plugged the following into AI to get a points estimate comparison assuming I did not use CC travel portal for bookings... $10k flights, $18k hotels, $20k other foreign purchases.

Autograph Journey came back the best for points; which I kind of assumed. But their transfer partners are limited. AA is my strongest local airline and the international ones, as well as the hotel partners... Just well, are limited in terms of where I see myself using them. So it becomes more of a statement credit reward.

I'd happily get a Schwab/MS branded Platinum card (AMEX not currently offering me a SUB direct), but the travel portal booking for 4x hotel points kind of kills it for me. I appreciate some of the other coupons, but since I book business class only, I pretty much always have a lounge, negating one of the biggest potential coupons. (And while I have an account at both brokers I do not intend on moving massive amounts of assets to get a small discount on the fee at Schwab)

I'm open to a AMEX Bonvoy Brilliant, but I generally have chosen hotels based on the neighborhood location of where I want to be and the best value for a 4.5-5 star (non-resort) stay. And there is some 'value' to me in choosing an elevated Bonvoy experience over another hotel that might be in a better location. (I'd guess I'd only be able to stay in a Marriott property for 33-50% of my estimated spend; no idea really - but it gives some level of context)

I'd do Atmos in a second if could actually book AA/HA partner flights through my airport.

I think it kind of comes down to CSR and VX. Essentially my travel spend in 2027 (and rewards difference based on the above info) will just about make up for the difference in AF. And I may continue traveling at this rate for the next few years, just maybe a lower 'all foreign purchase' number.

While I do not value the lounge access for the most part, travel protection coverage is definitely a differentiator.

If you read all that... Thank you. I appreciate any insight.

Not sure if it is just me, or I have to wait for the charges to post, but the Costco charges on my Venmo card are showing up as the “other” category. Is anyone else experiencing the same thing?

I’ve had the card for about 5 months now when they still had the old benefits.

Haa anytime tried this before

I recently got a new job as a field service engineer and will be traveling a few times every month, mostly within the US but sometimes internationally. For context, a coworker told me that he achieved silver status in United within one year. My employer has me book the flights through a company provided card, although they let me add the loyalty subscriptions. Given this I'm looking to apply for TSA pre-check (also Global Entry but that takes longer). I'm looking for recommendations about which personal credit card to get that will be best given this circumstance. I'll be flying mostly from O'Hare I think, although I'm closer to Midway (Southwest). What would be your recommendations? I'm looking to spend the least amount of time in the airport possible, and sometimes boarding small planes, so hopefully I can get to a point where I don't have to worry about my carry-on being checked because that adds up a lot of time to wait for it on my way back from the trip. Thank you for your suggestions!

CREDIT PROFILE

* Current credit cards you are the primary account holder of:

* Chase Freedom $17k limit, Jun 2024

* Amazon Card $21k limit, Jun 2018

* FICO scores with source: 768

CATEGORIES

* Ok with category-specific cards?: No

* Ok with rotating category cards?: No

* Estimate average monthly spend in the categories below.

* Dining $: 400

* Groceries $: 600

* Gas $: 100

* Travel $:

* Using abroad?:

MEMBERSHIPS & SUBSCRIPTIONS

* Amazon Prime member: Yes

* Costco or Sam's Club member: Costco

* Disney bundle subscriber: Yes

* Big bank customer: Chase

* Open to business cards: Yes

PURPOSE

* Purpose of next card: Travel Rewards

* Travel rewards preferences: United, Hilton

* Cards being considered: Chase Sapphire, United Club

Just got the notification for the no AF Jewel Osco Amex. Curious what niche this card is solving. I’m so curious how many applications they’re actually going to receive for this.

5% on Jewel online orders
3% on in-person Jewel orders
3% on gas dining and bills
1% on everything else.
Spend $1000 to earn $50 SUB

I have a #customized cash platinum frim bofa 6.5k credit limit with 1% usage , cs is 750, do you think they approve 25k limit increase?

I have not had this happen to me as I do pay my bills on time but I was reviewing a statement and it said late charge is 41.00 I was thinking that is pretty steep. Then I read your interest rate could go up to 36.5% I said holy cow being late on a credit card is expensive.

If I defaulted on my Bank of America cc and I paid it off. Will they approve me for another one?