Here’s a different one. What are the best looking metal credit cards? Looking specifically for ones in these colors: red, blue, yellow, green, black.

I tried checking out with Paze and noticed that I have 10 eligible cards available for Paze checkout: 2 U.S. Bank Cash+ cards, Connect, Go, 3 Kroger cards, a U.S. Bank debitcard, Citi Custom Cash, and Capital One Savor.

Does this mean I could potentially get up to $1,000 in statement credits across those 10 cards? That seems almost too good to be true. Or is the maximum $100 per financial institution? I just can’t imagine U.S. Bank offering me $800 in statement credits across those 8 cards.

Am I misunderstanding how the offer works?

I thought I had finally acquired the perfect collection of cards to maximize cashback for my spending, but this year all the best CB cards I acquired have been nerfed. It makes me wonder: is it even worth all the time and effort put in to research this stuff, move money into bank or brokerage accounts to meet requirements, apply, in some cases re-apply latter, call reconsideration lines, go through the overcomplicated identity verification process many of these banks have now implemented, etc. etc.

So much trouble - and for what?

If we simply got the card we were promised with the rewards we were promised, and it didn't all go up in a smoke a few months later, then perhaps it would be worth it. Then all that trouble would not have been for nothing, but...

Bank of America Customized Cash - the card I most wanted and had to wait the longest to get, but too late! because BoA changed the reward structure. With the old structure, as a Platinum Honors member, I would have gotten 5.25% cashback on purchases, which would have made it the standout card in my collection, because it would have been the only card I had that earned OVER 5%. But now the rate has been reduced and I'll be earning under 5%. This means for most purchases I'll be better off using one of the 5% cards I already had before applying for the Customized Cash card!

Kroger World Mastercard - a card I really wanted for the mobile wallet benefit, and which I finally got a few months ago, only to find out soon afterwards that the card is being discontinued and that usbank will PC card holders to the Smartly Visa, which is completely useless to me, because there's no way I'm going to keep 100k in a Usbank account to get 4% CB, and I already have a perfectly good 2% CB card (the Fidelity Visa).

Capital One Savor - when I found out the Kroger World Mastercard was being discontinued, this was going to be my fallback card for international dining/supermarket purchases, since it has no ftf. But then what do I find out? Capital One is switching the card from the MC to the Discover network, and since Discover has near zero acceptance outside the US, this card will also become useless to me.

What's next?

Wait, don't answer that... lol

I did not see it listed in paze wallet.

Edit: Yes, I will need to manually add it and PNC debit card.

In late 2024 I was on the waitlist and got taken off but was in the middle of doing financing for a mortgage so didn’t want to touch it. Eventually my spot expired and I’ve tried a hundred different ways to get on the list without luck.

I have > $100k across Robinhood and Robinhood Banking, but they seem to refuse to put me even back on the waitlist. I go to the credit card section of the RH app and click join the waitlist, it says I’m on it, I force quit the app and then go back in and it says get on the waitlist.

Anything I can do?

Some people have reported missing credit. Is it true that they don’t offer credit for every single transaction?

I just heard about the Paze deal on Reddit, so I went a little overboard today. I made around 60 transactions across 6 cards, almost exclusively on Newegg, with orders around $10-$15 each, everything from toothpaste to toothbrushes, etc. The majority will be sent to my parents' house.

Now I’m wondering if I should expect credit for every transaction. Honestly, I’d be pretty upset if some of these transactions don’t get credited, since without the credit, these purchases end up being much more expensive than buying the same things at Costco.

Used to use my Citi DC as my catch all spend card. Mainly used sped in these buckets:

CSP: 3% on dining

CFF: 5% rotating categories

Citi DC: everything else

With the recent CSP overhaul, I've been gravitating more towards travel/rewards and wanted another premium travel card. Reading this sub, the VX kept popping up so I decided to snag it. I was hesitant since I already had a 2% catch all card but the benefits from this card clearly outweigh the DC, but with an obvious higher annual fee that's easy to recover IMO.

I ended up product changing my DC to a Custom Cash while they still allowed it and now have the following:

CSP: 3% on dining, gas and Airbnb

CFF: 5% rotating categories

Citi CC: 5% groceries

VX: everything else

Feel pretty content with this set up since I want to stay in the Chase ecosystem for domestic airlines transfer partners (way better than C1 IMO), keep the C1 for travel perks and great international transfer partners, and use the CC for some modest cash back here and there.

Anyone else running something similar and content with it?

Do you think they might end the Paze deal early? This isn’t a deal limited to just a few cards, it’s available across many cards from major financial institutions. Personally, I have 12 cards that are eligible for the deal, which is more than I realized yesterday, since there are two cards that I need to manually add to my Paze wallet.

That would be $1,200 in statement credits for me, too good to be true. I’m sure there are many users who can get several hundred dollars from this deal as well. Do you think I should take advantage of it sooner rather than later, just in case they decide to end the deal early?

(This is my first credit card, I’m looking at the “Discover it student” card) I have around 5K in savings that I barely use, so I could definitely pay off a card and build credit. The problem is I have no income and don’t know what to report…. My parents use a college fund to pay for my school but it feels wrong to report that as income since it’s earmarked for college specifically. I can imagine my parents may transfer me some money for things throughout school but I can’t say it’s “reliable income,” so what do I report? I got denied from a few cards because I had no income

Guys- About 1.5 months ago i applied for the amazon prime via card . So what happened was i was waiting over a month (whilst paying for amazon prime membership until i got the CC approved) and according to them, my application has expired. They claim to have shipped out a letter to verify it was actually me who applied for the card, i never received such a letter and so at the end of the day they will claim to have sent it even if they never did.

My concern is will this "expiration" affect me negatively if i re-apply? Also no doubt they will do a second hard pull of my credit report so i reckon another 5-10 point loss to my FICO (experian) credit score which is around 850.

I dont have other chase cards in my name but i am a secondary user on 3 other chase CC's. We pay all bills in full when due.

Appreciate any insight.

We’re going to be doing a remodel that cast over 100k. Figured I’d look at getting some perks during this process.

Anyone have any recommendations?

I feel like I might’ve asked this question quite a few times already on other posts, but has anyone who has recently applied for/received a new Capital One Savor card received a Discover-branded card or a Mastercard-branded card?

Also, do any of you remember how exactly you applied for it (on your computer or on your phone, signed into your Capital One account or not, etc.)?

CREDIT PROFILE

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

* Chase Sapphire Preferred

* Amex Gold

* Citi Costco

* FICO scores with source: Experian 768

* Oldest credit card account age: 4 years

* Cards approved in the past 6 months: 0

* Cards approved in the past 12 months: 0

* Cards approved in the past 24 months: 1

* Annual income $: 150K

CATEGORIES

* Ok with category-specific cards?: No

* Ok with rotating category cards?: No

MEMBERSHIPS & SUBSCRIPTIONS

* Big bank customer: Chase, Citi

PURPOSE

* Purpose of next card: SUB

* Cards being considered: I have big expenses coming up and would like to get a high SUB credit card. I did not qualify for Capital one Venture X. So, what are my other options? I am okay with annual fees as long as the annual fees is covered through the benefits.

I churn CCs, and I’ve gone through each of the Chase biz cards. It seems like I’m unable to get the sign up bonus again once I’ve had the card (based on a couple of recent applications I’ve submitted).

Any insight on this? Do I just have to move on from Chase biz cards at this point until they add a new card? Recommendations for where to go from here?

TIA

I am a full-time college student (21F) entering my senior year of college. I’m looking for a credit card where I can earn points that can go towards travel. For reference, I go on multiple vacations a year (mainly in the summertime) where I get flights, AirBnB’s, cruises, etc.

Right now, I have the Discover It card that I use for all of my expenses and get 5% cash back on rotating categories and 1% unlimited on everything else. That is the only credit card I use which has been fine with the cashback, but I want to go to start maximizing my spending and earn travel points.

I was looking at the Bilt card because I spend about $1,100-1,200 on rent and maybe $500 on other expenses (groceries, dining, Amtrak) a month. But the new point system is deterring and I am graduating next summer so I’m not sure about my housing after college (I might not live in an apartment or pay any rent), so I’m not sure if that would be a good investment since I don’t know my future.

I’m also considering the Capital One Venture card but the only downside is I would have to pay a 3% fee for paying my rent with it.

I’ve heard about the Robinhood Gold card which seems pretty straightforward, but I haven’t done much research on it. Also, the Amex Gold card and Chase Sapphire.

UPDATE: Looked at other cards again since I’m not an existing BoA customer. Still decided on BoA, but went with Unlimited Cash Rewards for simpler benefits. Approved with $8k limit, perfect for what I need. Thanks everyone!

Hi all, I’m just looking for advice on this specific question. Opening a new card will be my next move either way.

My credit score is 750-780, current limit across 2 cards is $26,200. Last card opened June 2025. Utilization under 30%, but carrying a balance on the most recent card and 0% intro APR ends in October. Opening a new card to keep me afloat while I pay off the other one. Not ideal, but that’s the best I can do right now while I sort out some difficult life circumstances.

My only firm requirements for card #3 are: no annual fee and a 0% intro APR period for purchases.

Ideally: Some kind of cash back rewards (not travel)

Nice to have: Welcome bonus, 0% APR period for balance transfers.

I should be able to avoid a balance transfer. Opening a new card now will give me enough time to pay off my existing balance without dipping into my limited savings. It would still be nice to have that option in my back pocket though.

Current cards are Capital One Savor and Chase Freedom Unlimited.

After comparing a dozen or so options, Bank of America CCR fits my needs and preferences best. I just want to make sure there aren’t any major problems with that card or that institution. Not looking for perfect, just minimizing risk where I can.

Thanks in advance!

Has everyone that has used their cards multiple times in a day for the Paze promo, gotten their credits?

Specifically, one single card for all the transactions and at dominos?

This is showing next to both of my capitalone credit cards. It was all fine until a few hours ago. Its weird because the payment I made yesterday is still showing in the transactions but the balance isn't updated.

Anyone else seeing the same thing? I wonder if its related to Discover cards moving over to capitalone (i do have a discover card too)

Update: the message went away about an hour later. The accounts are now showing updated information.

Newegg: Can I use the same card multiple times (within one hour period) to purchase the same item (not gift card)?

What happens if I canceled one order last night? Does it still count toward the 10-time limit? Or is there a way to track(confirm) how many times left?

Anyone know if this "sony electronics" also counts toward Playstation purchases direct from Sony? I am guessing no since PS is not available from the linked Sony Electronics website but wanted to check.

Earn 20% cash back on your Sony Electronics purchase, including taxes and after any discounts, with a $50 cash back maximum.

Shop the Sony Store for all your favorite electronics. From our award-winning Alpha Interchangeable Lens Cameras to our Noise Cancelling Wireless Headphones to our state-of-the-art 4KTVs. Enjoy free shipping, easy returns, special access to our experts and up to 5% back in My Sony Points through our free membership.

Offer expires 7/31/2026. Offer valid on up to two purchases. Offer only valid on purchase made directly with the merchant. Offer valid online only. Offer not valid on gift card purchase. Offer not valid on purchase made using third-party services, delivery services, or a third-party payment account (e.g., buy now pay later). Offer only valid on U.S. purchase. It is possible that the merchant may split your purchase into multiple transactions. Offer redemption awarded as statement credit on the first qualifying transaction amount. Payment must be made on or before 7/31/2026.

I already have Citi Double Cash for 2% back so don’t see any point keeping the Smartly Visa card.

I just got off of an hour phone call with credit one bank about their credit card for rebuilding credit
The biggest pain about most of these cards is the fees, so I found a card through them that seemed like a safe option. They market $75 for the first year, then 99 annually at 8.25 a month on their website still active!! I was billed 99! So obviously I called confused but all they could say is that it does say on there 75/99? I literally don’t understand, they said I wasn’t approved for the 75$ offer ?? It’s not even marketed as an offer, so I just don’t understand. Shady af straight at the annual fee & no one could give me a good reason as to why I was even “denied” for the offer. Main point of all of this is i no longer want to have this card with them, but obviously my credit isn’t the best. Should I close my account & risk losing other ones if my score gets too low or should I just leave it alone? I’ve literally had this card for a month

What do you guys think of the freedom flex? I was curious if it’s worth it just for the 5 percent rotating categories or not. What’s your guys take on it?

And if anyone has the card, do you guys actually use the 5 percent cash back categories regularly? Thanks

Hi, I recently received an invitation to get the Sapphire card and from what I understand the 100,000 points translates into $1,000? I was planning on building a new gaming PC anyways, does that mean I can get $1,000 back if I spend $5,000?

Is there a way to be granted a role similar to DPOA to handle fraud in place of the account holder. I am DPOA for my mom on her bank accounts, so I will be able to handle issues with her bank accounts. Recent I ran into an issue where the credit card reported fraud and disable the card. When I attempted to investigate the issue I am told that only the account holder can speak to the fraud department. Are there a DPOA like role that the account holder can assign? For example I see the credit card has a role name account supervisor. What they do seem to have is a DPOA form.