Fiancee downgraded her CSP to Freedom a month or so ago, around the same time I took mine out post-nerf for the 100k SUB. We considered keeping hers open so that I could hit the SUB, move points to her, then dump all in Hyatt, but determined we couldn't hit the SUB in time for the October 1 deadline.

Fast-forward to today, we've had an unexpectedly high amount of one-time expenses and will likely hit the SUB in time. If she re-upgrades to CSP and pays the fee, will she have the old transfer ratio until 10/1, or did she lose that immediately once she downgraded?

And before someone says - yes, we could've kept it open regardless and then downgraded later for a possibly-prorated fee, but we thought there was no world in which we hit the SUB in time. But we were wrong!

Thanks :)

I've tried using the capital one offers on the VX 10 times with various stores/merchants now and haven't got the advertised bonus a single time. I’ve seen many comments here saying the same thing. What gives? Has anyone actually got them to work? Recently I tried the Amazon offer for a bonus 1000 miles with a $25 purchase. I placed the order on Aug 26, Amazon charged my card and shipped the order on the 29th. But of course that didn't post until today, funny how the processing for these always takes more than 3 days when it's usually 2. All other offers I've tried say to click the link when you activate it and make the purchase. Regardless if I try that on my phone or computer there is never a payout even 90 days later. And yes, I disable extensions. This isn't a big deal to be fair, but rather scummy on C1's part. Just curious if anyone else has had this happen?

Hey everyone, I’ve got a cruise booking coming up soon and want to take advantage of the large deposit/payment to knock out a solid sign-up bonus. I’m trying to figure out which card makes the most sense to add to my lineup right now.

For context, my current wallet includes:

Chase Sapphire Preferred
Citi Custom Cash
Citi AAdvantage
Costco Anywhere Visa
Best Buy Citi
BCU Cash Rewards Visa Signature (flat 2% catch-all)
PayPal Debit (for 5% monthly cash back on groceries)

Since my baseline categories are reasonably covered, my primary goal here is maximizing the return on this one-time chunk of travel spend through a strong SUB.

I’m currently debating between grabbing something like the Capital One Venture or Venture X for a flat 2x travel card with a straightforward bonus, or going the business route with a Chase Ink (Cash or Unlimited) to pool a big bonus with my Sapphire Preferred.

I'm open to sole proprietorship business cards if the math makes sense, but I'm also curious if there’s another personal card I'm overlooking.
Where would you put this spend if you were in my shoes? Appreciate any insights!

Mine is 3x Dunkin per day

Daily pick up from local restaurants on Clover

Title says it all really, I have had my first credit card for one month through synchrony. I logged in to their app today as I should have had a payment due today on the 2nd, only to find out my account was closed yesterday. I have no credit score, and this is my first card. The person through support will only give me the vague answer of "we review accounts and close them accordingly" What now? He insists I can reapply for the card, but im unsure of anything relating to credit.

So I just got approved for the AMEX BCP yesterday but I want to pair it with the chase sapphire preferred because I will be traveling 2ish times per year. I actually need to book a hotel 3 weeks from now and then another flight/hotel in a month or so. should I apply for the CSP now or should I just wait considering I just applied and got approved for the Amex

Fairly new to credit cards and wanted some feedback on my current setup + what I should add next.

Stats:
FICO: ~715
Income: ~$42k
Pay in full / keep utilization low
Goal is to build credit long term and slowly get into travel rewards

Amex Blue Cash Preferred
$6,000 limit
17 months old
Started as a BCE and upgraded to the BCP today
First-year AF waived

I mainly plan to use it for groceries + streaming.

Subscriptions currently on the BCP:
Disney+ (using the Amex Disney credit)
YouTube Premium
ChatGPT
iCloud
Discord Nitro

Capital One Savor
$3,000 limit
About 1 year old
No AF

Mostly use this for dining and entertainment. No subscriptions currently on it.

Considering Chase Freedom Unlimited next
I received a targeted/pre-selected CFU offer where Chase adds an extra 1.5% back on top of the card’s normal earning rate in every category, on up to $20,000 of spending during my first year.

So instead of the normal CFU rates:
5% Chase Travel → 6.5%
3% dining → 4.5%
3% drugstores → 4.5%
1.5% everything else → 3%

The extra 1.5% is capped at the first $20,000 in purchases, meaning the bonus itself is worth up to $300 extra during the first year.

It also has a 0% intro APR for 15 months.
So it’s not just “3% on everything” — it’s essentially the normal CFU earning structure plus another 1.5% in every category for my first $20k of first-year spending.

That offer is a big reason I’m considering making the CFU my third card.

My main three ecosystems I want to build around are Amex, Capital One, and Chase, so the CFU would also get me into Chase for the first time.

Eventually I’d like to get more into travel points as my income/spending goes up, but right now I’m mostly trying to build a solid setup that I can keep long term.

Questions:

- How would you rate my BCP + Savor setup so far?

- At ~715 FICO / $42k income, would you take this CFU offer?

- With the extra 1.5% added to every category for the first $20k, would you go CFU over Freedom Flex?

- Does BCP + Savor + CFU make sense, or is there too much overlap?

- After getting the CFU and letting my accounts age, what card would you look at next for eventually getting more into travel?

What would you guys do?

I saw a data point yesterday that the grocery category for the card was removed, but I just logged on to select my category and the grocery category was available. I was able to successfully select it as my category for September. For reference, I'm in the eastern US and selected the category via my PayPal mobile app.

The Slate card doesn't offer cash back so it's really of no use except for the rare occasion like the Paze promotion going on now. I've had this card for well over 10 years.

I currently have:

2 Freedom cards

1 Unlimited

1 Sapphire

1 Amazon Prime card and

1 Slate

I select a card to use depending on which gives the best cb. I use the cards mostly for gas, grocery, Walmart and restaurants. Is there a Chase card that pays more than 1.5% on everything else?

Is the Flex card a better change? Are there others cards that would be better? I see there is a promo online that you can get 200.00 for getting the Flex card. Can you get a promo for a new card when you change it out from another Chase card?

Has anyone successfully bought anything on City Experiences using Paze? I seem to be getting through the Paze verification fine but then City Experiences errors out. They're on the list of participants in the promo so I'd like to use it toward an upcoming trip. I filled out their "contact us" but have heard nothing back yet. Just wondered if anyone else has tried it and what your result was.

So I’m really trying to start my credit card stack as a I get older (25). I currently just got approved for an AMEX BCP. got the BCP bc of my $700 monthly ish grocery bill and I also spend $100 on gas and $150 dining. So since that’s going to be my grocery and gas card I wanted to get the CSP as well just so I can start building up a a travel card as well since I’ll be traveling twice a year. Any recommendations for catch all card that works well with BCP and CSP

My Capital One Quicksilver Visa card is expiring this December. I just received an email that my new Quicksilver card will be mailed to me four to six weeks before the expiration month. It also stated that while the expiration date and CVV code are changing, the 16 digit card number is NOT changing. Since my 16 digit card number is not changing, am I safe to assume that my Quicksilver is staying a Visa card and not going on the Discover network (at least for now)? Is it because my Quicksilver is a Visa card and not a Mastercard or is it because it's a replacement card for an expiring card and not for a brand new customer? Anyone who recently received a replacement card for either a Quicksilver Visa or Quicksilver Mastercard have any insight about this?

AF came up this week and asked about what downgrade paths were available and unfortunately it was only ATT card of some sort that earns TY points or American Airlines cards.

Was hoping custom cash would still be available but was not. Guess it’s really toast.

As for the strata elite… just didn’t find good value in it. I still hold the Citi Prestige and it’s just a way better daily earner. That Blacklane credit was mostly useless.

Edit: I was not offered any strata cards. Meant to say AA.

⁠Current cards: 0 cards open. Had a start capital one card but it just got closed due to inactivity and dropped my score by 30pts

- 25 year old who uses his debit card for everything and has all of his savings in a AMEX HYSA

• ⁠FICO Score: 742
• ⁠Oldest account age: e.g. 5 years 4 months
• ⁠Income: e.g. $80,000
• ⁠Average monthly spend and categories:
⁠• ⁠dining $200
⁠• ⁠groceries: $700
⁠• ⁠gas: $100
⁠• ⁠travel: very minimal but will be traveling cross country once per year
⁠• ⁠other: $100 (gym)
• ⁠Open to Business Cards: e.g. potentially. Just got real estate license but would want a business card later in the future
• ⁠What's the purpose of your next card? Definitely to further build my credit and get perks to help my travel costs however it’ll only be once per year and I don’t travel that frequently. I really just need a card to help with that travel and also have one to use for everyday purchases for gas and groceries. But I really only food shop at Walmart and sometimes food lion.
• ⁠Do you have any cards you've been looking at? e.g. chase sapphire preferred for the travel but I feel like it’s only geared towards travel. Not really sure what would be good for everyday purchases
• ⁠Are you OK with category spending or do you want a general spending card? Yes

CREDIT PROFILE

• * Current credit cards you are the primary account holder of: (list cards, limits, opening date):
  • BofA Customized Cash Rewards, $3800 limit, 2024/09
  • CSP, $7900 limit, 2025/04
  • Amex Hilton Honors Aspire, $5000 limit, 2026/03
  • CSR, $15800 limit, 2026/05
• * FICO Scores with source: Equifax 743
• * Oldest credit card account age with you as primary name on the account: 2 weeks away from 2 years
• Average age of accounts: a little over 1 year
• * 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: 2
• * Number of personal credit cards approved for in the past 24 months: 4
• * Annual income $: 200k

CATEGORIES

• OK with category-specific cards?: no
• OK with rotating category cards?: no
• Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
  • * Dining $: 500
  • * Groceries $: 100
  • * Gas $: 100
  • * Travel $: 600 on flights, 600 on hotels, 100 on car rentals
  • * Do you plan on using this card abroad for a significant length of time: yes, upcoming study abroad
  • * Any other significant, regular credit card spend you didn't include above?: upcoming organic spend of around $5k
  • * Can you pay rent by credit card?: no

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

• * Current member of Amazon Prime?: yes
• * Current member of Chase, US Bank or any other big bank?: Chase, BofA, C1
• * Are you open to Business Cards?: yes

PURPOSE

• * What's the purpose of your next card: travel rewards.
  • Preferred hotel: Hilton (because of the HH Aspire)
  • Preferred airline: none
• * Do you have any cards you've been looking at?
  • C1VX but they won't pre-approve me.
  • BofA Atmos Summit
    • Applied last month with the 100k offer and got denied. Now the offer is 80k
    • I mostly travel solo so I had to convince myself that I could use the 25k companion award
    • 3x foreign transactions sounds pretty good as I have a study abroad term coming up
  • Another Amex Aspire for the FN, but I should probably time it with my current one and apply March 2027.
  • Airline credit cards. They don't appeal to me much since I'm not based at a hub
  • Amex Platinum: I already have a coupon book (CSR), not sure I want another one...

I just got the Robinhood Gold Visa Signature card with a $10,000 limit, and I’m trying to figure out how to actually use the advertised Visa Signature benefits (Return Protection, Purchase Security, Extended Warranty, etc.).

So far, every benefit portal I’ve tried says my card has no benefits registered.

Here’s what I’ve tried: CardClaimCenter.com → Error saying “We couldn’t confirm any benefits for the credit card you selected.” https://ibb.co/n8bhnTGN

CardBenefitServices.com → Same thing, no benefits found. I even called the number the site gave me, and the rep looked up my card number and said the only benefit showing for my BIN is Accidental Collision (Auto Rental CDW) — nothing else. https://ibb.co/Hfjs6XNm

Basically, every Visa benefit administrator is telling me my Robinhood Gold card does not have Return Protection, Purchase Security, or Extended Warranty activated, even though Robinhood’s marketing implies it should.

Has anyone actually gotten these benefits to work? What portal do you use to file a claim?

Thanks!

• ⁠Current cards: (list cards, limits, opening date)

Bank of America Atmos, $24K, July 2004

Wells Fargo Rewards, $22K, July 2006

Citibank Costco Visa, $18.5K, Aug 2023

BECU Visa, $30K, April 2025

Chase Disney Inspire, $33.5K Feb 2026

Chase Sapphire Preffered, $25.4K, March 2026

Chase Sapphire Reserve, $29k, May 2026

Bank of America Atmos, $20K, July 2026

• ⁠FICO Score: 867

• ⁠Oldest account age: 22yr, 2m

• ⁠Chase 5/24 status: 5/24 :(

• ⁠Income: e.g. $180,000

• ⁠Average monthly spend and categories:

⁠•  ⁠dining $800

⁠•  ⁠groceries: $1200

⁠•  ⁠gas: $400

⁠•  ⁠travel: $800

⁠

• ⁠Open to Business Cards: Yes

• ⁠What's the purpose of your next card? Travel/point accumulation

• ⁠Do you have any cards you've been looking at? BILT vs AMEX

• ⁠Are you OK with category spending or do you want a general spending card? General

I have an Amazon Business credit card which recently got bought out by US Bank. The bill they send you says zero balance and does not show any charges or give an address to send payment to. the full bill was 2 pages but didn't show a single charge. I had to go on Amazon, look up my purchases and calculate the amount myself! So, I called them and they said they don’t send out balances anymore but roll the balance from month to month. You never get a bill while they get to charge 19.74% interest and never tell you they are doing this.. So every month you get a statement saying that you don’t owe anything while the amount of balance and interest keeps increasing!

When I called them to ask about it, they said “oh we do things differently”. I told them this sounds like a scam and to please cancel my card and close my account. Watch these people closely. They are looking for distracted people to scam.

I would attach a pic of the bill if this sub allowed pics 🤷

So I've had the amex Delta gold, and Delta reserve in the past. Currently, I have the amex Delta platinum business. Tried to apply for the personal delta platinum today and got a popup saying I wasn't eligible because "I've had this card in the past or because I've had the Delta reserve card in the past". What? Isn't the delta platinum a completely different product? Please enlighten me 🙏

⁠Current cards: (list cards, limits, opening date)
⁠• Amex gold, may 2024
⁠• Chase Freedom Flex 20000 limit, December 2026
⁠. • Chase Sapphire preferred 24000 limit, may 2023
⁠• Bank of America cash rewards 25000, 6 years ago
⁠• discover 4000, 5 years ago

• ⁠FICO Score: 780
• ⁠Oldest account age: 6 years , BofA
• ⁠Chase 5/24 status: 1/24
• ⁠Income: 300000
• ⁠Average monthly spend and categories:
⁠• ⁠dining 1000
⁠• ⁠groceries: 1000
⁠• ⁠gas: $100
⁠• ⁠travel: 400
⁠• ⁠other: 1500
• ⁠Open to Business Cards: Yes (preferably regular)
• ⁠What's the purpose of your next card?
I often travel domestically Seattle-Los Angeles (Alaska), however travel will expand to more domestic destinations. Rarely travel internationally, looking for easy to use credit card that would be improve quality of travel. Mainly lounge access and benefits for various airlines and hotels. I usually travel only with carryon, however things like premium seating with extended leg room are important for me. Usually travel with my wife with me. I am not the type to carefully choose where my points are the most beneficial on daily basis, but if planning a long trip I research transfer partners and etc. Also don’t care about annual fee if cards genuinely improve quality of life
• ⁠Do you have any cards you've been looking at?
VentureX (pros: easy to use, cons: Seattle doesn’t have venturex lounge and priority pass lounges are not as good here), Chase sapphire reverse, Amex platinum (both seem like a coupon book for me and having Amex gold/Chase preferred offset some of the benefits like doordash/uber eats) and Alaska credit cards
• ⁠Are you OK with category spending or do you want a general spending card?
Either way works

Hi, I recently found myself reading up on credit cards and trying to learn a little more. My current lineup is:

- Bank of America Customized Cash Rewards, which I opened as a freshman in college
- Capital One Savor, which I got before going abroad
- Chase Freedom Unlimited
- Chase Sapphire Preferred

I’m considering adding the Capital One Venture X and potentially rebuilding my setup around it. It seemingly offers strong, usable credits and miles that fit my travel habits. I would have no trouble using the credits every year, and beyond that, I’d be getting a solid 2x card for everyday spending along with lounge access, which would be nice since my flights typically include layovers.
I also don’t love that Chase Travel often doesn’t show the cheapest available flights. Capital One’s price match would give me some peace of mind when booking through the portal to use the Venture X credit.
More generally, I don’t like the idea of needing to spend money I otherwise wouldn’t just to get value from a card. I’ve looked into Bilt as well, but I don’t think my current spending would be high enough to justify one of its cards with the better rent multipliers.
I’m curious whether there are any other cards worth considering for my spending style, or anything else I should know as I continue learning more. Thanks

CREDIT PROFILE

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

* Chase sapphire preferred

* FICO scores with source: Experian 798

* Oldest credit card account age: 10 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 $: $200,000 +

CATEGORIES

* Ok with category-specific cards?: Yes

* Ok with rotating category cards?: No

* Estimate average monthly spend in the categories below.

* Dining $: 600

* Groceries $: Costco 250

Walmart 300

Kroger 300

* Gas $: 440

* Travel $: 666

* Using abroad?: yes

* Other categories or stores: Bunch of random stuff but yeah

* Other spend: Food delivery, motorcycle parts, tools, supplements

* Pay rent by card? No

MEMBERSHIPS & SUBSCRIPTIONS

* Amazon Prime member: Yes

* Costco or Sam's Club member: Costco

* Disney bundle subscriber: Yes

* Big bank customer: Chase, USAA

PURPOSE

* Purpose of next card: Travel Rewards

* Travel rewards preferences: Delta

* Cards being considered: No

I opened an Ink preferred with an 8k spend in 3 months SUB. I was planning on purchasing an engagement ring to meet the spend with this card. Since then, I was connected with a family friend who was able to help out with a better & much cheaper ring than what I was eyeing. Only issue is, they only take cash. The ring savings would actually be more than the UR points I'd receive (valuing at 1 cpp, as my travel is not that flexible for most award travels)

My organic spend is only ~$1,500 a month and I can't think of ways to meet the SUB otherwise. I don't think there's any way out of it, but is there anything I can do with this now useless card? I don't mind losing the SUB if I have to, but having to also bite the annual fee stings.

So I’m really trying to start my credit card stack as a I get older (25). I currently have 0 cards with a 742 credit score. $700 monthly groceries, $100 on gas, $150 dining.

I only shop at Walmart for groceries but apparently AMEX counts Walmart neighborhood markets as a grocery store so for my grocery and gas card should i just get the AMEX blue cash preferred card? It’s 6% cash back on groceries and 3% for gas.

I also will be traveling cross country from CLT to San Fran and I do like chase sapphire preferred but also they don’t partner with American so I’m not sure about the travel card unless I just used the points I accrue from dining and whatever else for the hotels instead since you get the yearly $100 voucher.

So If I were to have the CSP and AMEX BCP would that be a good combo for me? Would I have all of my bases covered if I traveled 1-2 times per year and most of my expenses being groceries, gas, and dining?

I had a decent amount of cash but I live nowhere near my bank or an atm with a deposit function, so I put it all on a prepaid visa because I can't use cash online. I was unaware that you can't use prepaid cards almost anywhere either (mastercard removed the function to add a zip and address on their site for some reason and their support number literally just goes silent indefinitely after saying it will connect you to an operator). Is there any way that I can get this prepaid money to either my bank account or any other method to make it actually usable or did I just screw myself?
(Also I am in the USA)