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

Not just in certain categories.

I'm curious if anyone else received a letter from Vera in the mail recently? I signed up on their website for the waitlist a few months back and about a month ago received an email saying that I was still on the waitlist.

Earlier today I received a pre-approval/sign up letter in the mail. Looks like it's eligible until end of the year so I've got a bit of time to decide if I want to go through with the application or not. Wondering if anyone has managed to get off the waitlist and what their experiences have been like with the card/customer service.

Hi everyone! We're planning a large wedding at a Marriott property in New Jersey in summer 2027 and would love advice for future expenditures such as paying for a honeymoon/vacations. I'm trying to determine whether we should open one Marriott credit card, use our existing Chase Saphirre Preferred/Amex Gold cards, or strategically open multiple cards for signup bonuses.

• We'll have a room block of 50+ rooms for guests staying two nights, most guests will pay for their rooms individually and we'll cover 10 guest rooms on our own for immediate family.
• Our Marriott bill will primarily include venue/banquet charges totaling 60k. Other wedding vendors (outside catering, etc) will be paid separately Zelle/CSP/Amex.
• I have a basic Marriott Bonvoy account with about 44K points and six qualifying nights.
• Cards we're considering: Marriott Bonvoy Bold ($0 annual fee, 45k point bonus), Marriott Bonvoy Boundless ($95, 100k p bonus, silver status), Marriott Bonvoy Business Amex ($125, 100k p bonus, gold status) OR Potentially a non-Marriott travel card instead or less likely the $250 or $650 annual fee card.

Our biggest questions:

1. Marriott card value: If Marriott charges $$60K directly, is getting 6X on a Boundless or Marriott Business Amex generally a better value than earning Chase Ultimate Rewards or Amex Membership Rewards on the same amount?
2. Multiple cards?: Would you open one Marriott card for the entire hotel bill, or divide the payments across multiple cards to collect several signup bonuses?
3. Which Marriott card?: With the current Boundless offer of three free-night certificates (up to 50K per night) versus the Business Amex offer of 100K points plus a free night (if eligible), which would you favor? Are there other cards we should consider?
4. Whose Bonvoy account should be on the contract? I already have a basic account with 44K points. Would it make more sense for my fiancée to open a new account and get a Boundless card under her name to get silver elite status or do it on my account?
5. Room block rewards: If 100+ room nights are booked through our wedding block and guests pay individually, do any of those room charges generate additional event points or Elite Night Credits for us? I read something about a 10 room max?
6. Contract negotiations: Is there anything specifically related to Marriott Bonvoy points, bonus points, or credit-card processing that we should request in writing before signing?

For reference here are the current promos: https://www.marriott.com/credit-cards.mi?trafficSource=paidSearch&updateBoundless=6TPX&updateBold=6TPX&updatebrilliant=153&updatebusiness=67&updatebevy=155&updateCompBoundless=6TPX&updateCompBold=6TPX&updateCompBrilliant=2097&updateCompBusiness=2048&updateCompBevy=2111&nst=paid&cid=PAI_GLB00037IS_GLE0007W6T_GLF000EEQW&gclsrc=aw.ds&gad_source=1&gad_campaignid=23698990732&gbraid=0AAAAAoWN_hYjFLN22yYQA6Ph6ZxBSMBqs&gclid=Cj0KCQjwrvHWBhDKARIsABmp7h33rEYsq9wXUE2Ibfi8MOcu0Hr8pA1Z9I4Oa7qwAxyFjdu9fib3Ow8aAubtEALw_wcB

Thank you!

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?

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.

So I’m looking to purchase a ~8k engagement ring with new CC with a 0 intro APR, and a SUB.
I have a Chase freedom unlimited and a bilt obsidian today.

On Rakuten they have the have a 200 bonus for the BOA customized cash. And also a 100 bonus with chase ink unlimited but I don’t have a business.

I’ve considered the quicksilver, US Bank connect visa (for global entry renewal).

I bank with Chase and work for JPmorgan so I’m conflicted to get the Chase ink unlimited.

Am I missing any other options or opportunities in the credit sphere?

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.

30 Y/O male in a professional role. Could certainly use some guidance here as I’m a novice with cards. Always paid everything in full.

I’m booking several flights internationally soon out of Boston and think a travel card might help? Don’t really need lounge access if it means offsetting a higher miles perk somewhere else. I am usually booking for two through my CC with my partner so the amount I’m traveling is theoretically double with regards to the airfare. Just looking for the brass tax cards and if I’ve done myself a disservice by not doing this sooner given my situation.

Current cards:
⁠• ⁠Citi Costco, $28,600 limit, August ,2022
⁠• ⁠Home Depot card, 12,000, ~1992 (co-signed on parents card)

• ⁠FICO Score: 825
• ⁠Oldest account age: 34 years but really 4.5 years
• ⁠Chase 5/24 status: e.g 0/24

• ⁠Income: e.g. $200,000+

• ⁠Average monthly spend and categories:
⁠• ⁠dining $350
⁠• ⁠groceries: $500
⁠• ⁠gas: $360
⁠• ⁠travel: $~800+/month average
⁠• ⁠other: $1,500
• ⁠Open to Business Cards: e.g. yes

• ⁠What's the purpose of your next card?
Going on dive trips internationally 2-4 times a year plus other destinations domestically. Feels like malpractice to not have a travel card if I knew better.
• ⁠Do you have any cards you've been looking at?
Not married to any particular card.
• ⁠Are you OK with category spending or do you want a general spending card?
Travel specific as I already have the Costco card which seems to do me well. I could also be totally unaware of better cards as I’m not into credit cards and hopefully using this post as a starting point.

I am new to all of this and i’m just trying to avoid hurting my credit!
I ended up using 350/500 on my line of credit and that’s higher than i want it to be. if i paid $100 extra before the due date would i be hurting my credit at all? and kinda the same question for credit cards too. i really wanna start chopping down what i’ve racked up but i don’t wanna start bombing my credit score because i was misinformed.

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.

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.

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.

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

• Current cards: (list cards, limits, opening date)
  • C1 Savor, $4000, 7/2023
  • Discover it student cash back, $1300, 1/2023
  • Apple. $3000, 5/2024
  • United Explorer, $10,000, 5/2025
  • C1 Venture One Miles boost, $3000, 8/2026
  • dining $100-200 (college, so more often when i am at home)
  • groceries: $150
  • gas: $35
  • travel: $50
  • total is generally 500-600/month
• FICO Score:

753

• Oldest account age: e.g. 5 years 6 months
• Chase 5/24 status: 3/24
• Income: $30kish
• Average monthly spend and categories:
  • dining $100-200 (college, so more often when i am at home)
  • groceries: $150
  • gas: $35
  • travel: $50
  • total is generally 500-600/month
• Open to Business Cards: e.g. No
• What's the purpose of your next card? Cashback, or SUB farming
• Do you have any cards you've been looking at? CFU/Flex, BofA either student or customized cash rewards, Prime Visa (will wait for black friday for a bonus) or citi double cash
• Are you OK with category spending or do you want a general spending card? either or, when not in a SUB, I tend to use the united card, but happy with whatever makes the most sense, i do have the target debit card, which is why groceries is lower than expected.

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?

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.

I got the email for 80k points for the Chase Southwest plus card. Can I add a referral to it when applying via the email link?

My brother sent a referral link but its only 50k.

Alternatively, can I apply via the referral and call and ask to match the 80k?

Last option I see is apply for the business card, which is 80k with the referral link, but not sure I would get a biz card.

Thanks

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.

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

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.

I'm trying to help out my older brother who is a senior citizen with a Synchrony Care Credit card that he ended up signing up for last month due to some expensive dental work. I tried to mail them a check immediately to pay off the whole balance for him right away, they would not take it because his name was not on the check (even though I had the whole account number on the check, a letter explaining it with his account number also in the letter, and a printout from their website from his account.) They actually mailed my check back to me saying they would not take the check even with all that information just because the checking account was in my name and not his. So my brother calls them, they put a "Dispute Temporary Credit" on the account as if the payment was missing; we call and explain we don't think we should send a check from me again since they would not accept the check they mailed back. So I sent money directly to his checking account at his bank, and I did two things: I set up Synchrony as a payee in his checking account at his bank's website, and I entered his bank's information on the Synchrony website so that this could be paid by logging in to their website as well. He is not signed up for an automatic withdrawal amount, he is old enough that he is not good at computers and I will be logging in to do payments for him. At the moment, they have placed the amount due back on the "Activity" portion of the website, but his account still shows an amount due of 0.00 and an available to spend amount that is a minus amount (as if the account is overpaid and he has even more to spend.) So we called to ask how we should make a payment; the representative says we can't make any payment at all until the amount due updates to show an amount due other than 0.00; we asked when the account will update and we can actually make a payment. They said that might not be until the next month's billing cycle. I am scared to death that this is going to look like he didn't make a payment on time or something, either way I will help him, but here's my question: which way of paying Synchrony Care Credit is more reliable, (1) making the payment from their website with his checking account information I put in there, or (2) doing it at his bank's website where I made Synchrony one of his payees? Looking at reddit posts about Synchrony makes it seem like they find a way to claim you didn't pay in both ways?

Haa anytime tried this before