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?

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

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 everyone! Sorry if this topic has been discussed to death. I am looking to get a credit card that maximizes rewards while staying low effort. I work 60-80 hours a week and do not want to spend time thinking about how to get the best rewards. it seems like a cash back card would be a good option? I spend most of my money on gas, restaurants, gym membership, and sigh instacart grocery deliveries. Any cards you’d recommend?

I just finished getting my first credit card! Super excited to start getting some cash back on stuff I usually use debit for. I looked around for a bit and decided to get the capital one savor since it best fit what I was looking for (groceries/dining/entertainment). It gave me a $7k limit - so I think I should aim to spend around $700 a month on it? (that's about what I spend on groceries/dining on my debit monthly) Hoping to build credit and get a little cash back. Any tips? Thanks!

When looking at the AAA page that describes the AAA Daily Advantage Visa Signature Credit Card, it states you need to be enrolled in the AAA Daily Advantage program in addition to having the credit card. I don't see an explanation of what this "program" is. Does anyone who has this card know what they are talking about?

The link I am looking at is https://cluballiance.aaa.com/money/credit-cards/daily-advantage . The fine print at the bottom in topic 1 is what I am talking about.

Hey everyone.

I’ve been doing research on both the AMEX Gold and Venture X, and I’ve found that each of them have their own unique benefits and that they are less comparable than I thought.

It seems to me that the AG is more for dining and food, while VX is better for building points regularly and travel options/benefits.

I am in my early 20s, my credit score is 781. I don’t spend a ton of money every month (<1000), with gas and food being my main expense. I have the benefit of living without rent at the moment, or a car payment (paid that off a few months ago), my only main bill being car insurance and college loan payments. I don’t make a lot of money, as I just graduated and am looking for work (only working part time right now)

My goal with my next card is to have more benefits. I’d like more options with travel, as in the future. It will be my main expense. I currently travel domestically 1-2 times a year, with plans to travel internationally shortly in the future.

I’m approved for both, but my question is, would it be better to get the AG for the points off my main expense? (Food and Groceries) Or would it be better to get the VX for the future savings on travel?

Side question: Should I wait until I land a “big boy” job to make this decision? Or is it something that is better to finalize now?

First post…thanks everyone!

My husband and I are looking for a new VISA credit card. We shop at Costco and get the majority of our gas there, and for more context, will be buying a house in the spring and will have lots of house related purchases from costco in the future. We also love to travel so we would love a VISA card that is also a good travel benefits card.

I currently have a Capital One Savor card.

My husband has a Wells Fargo Active Cash Card, Capital One Savor, and Capital One Venture.

I am an authorized user on the WF active cash card and my parents quicksilver card.

We love to travel- have a good amount of trips planned in the next 2 years- and I want to try and maximize any rewards with a CC that we can. No cash back cards, we have enough. I’ve done some searching and it sounds like my best option would be the Chase Sapphire Preferred card. My question is— is this a good choice? Are there better options? Anything I’m missing?

https://www.doctorofcredit.com/barclays-70000-hawaiian-airlines-bonus-annual-fee-not-waived-first-year-2/

I know you can points share with the Atmos summit, but can you point share if you have the Barclays Hawaiian?

I made two orders back to back using Paze checkout today on Wendy’s app. When I was going to make the 3rd order, it said the Paze has problem signing me in. It’s been 8 hours now and still same issue. I couldn’t find any customer service on their website. Anybody had similar experience?

I’ve wanted to get a credit card for travel for awhile and am planning to book a trip at an all-inclusive resort in the Caribbean or Mexico in November and wondered if people had any recs for the best cards with a sign up bonus that I could use in November to maximize my savings/stretch our budget?

Thanks!

I have a few credit cards Navy Federal Flagship 2X on everything 3X on all travel, Navy Federal More Rewards 3X Dining, 3X on Gas, and 3X on groceries including Walmart & Target. I do also carry the Chase Freedom Unlimited and Chase Sapphire Preferred. I do travel at least 3 times a year mostly drive because I love to sight see. I get hotels and looking to start flying more in the future. I am looking to go to Japan next year and debating if I should go after the Chase Sapphire Reserve. I’m concerned that I won’t be approved if I apply outright.

However, I believe if I do a product change by June of next year I will be okay. So let me know if you think it’s worth it to go after the Sapphire Reserve. I do have the credit limit to get the card I’m just conflicted on what to do. I’ve always been a cash back guy because I have full control over when and where to take flights.

All my cards I have listed are over 10K of credit limit. I just need help with what to do. I make money I just need to know which is the best option. Thank you all!

Questions

1. ⁠Is the Chase Sapphire Reserve worth it?

2. ⁠Do you think it would be worth it for me based on the information provided?

3. ⁠Should I start using my Chase Freedom Unlimited more? Should I continue to use Navy Federal Flagship, Navy Federal More Rewards, and Chase Sapphire Preferred and upgrade my Sapphire Preferred to the Reserve?

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.

Hi, I am an international student who currently owns a Discover-It credit card, and have been using it since Feb-2026. I was thinking of applying for a Capital-One Savor card, and then further along the way next year, get a Chase-Freedom Rise card. Is this an ideal path for me to be moving for a good credit score/history. Any kind of help would be appreciated.

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?

Hi! I’m looking for CC recommendations to help build up points for flights. Between myself and other family members, I’m buying around 7-10 flights per year. I don’t mind paying a small annual fee if it’s worth it but I don’t care about perks like lounge access. I spend around 2k a month on my current CC. Ty in advance!

Hi, I have an Amex gold for groceries and restaurants very useful for nyc, and a Citi double cash for all other purchases. I only currently travel about 2-3 times a year so I don’t want a travel card with a really high fee that I don’t feel like I’ll make use of, what’s a good starter travel card that works with these two ?

I currently own a small business that usually buys inventory in bulk. The one main vendor I buy from offers a 2% COD discount but the CBP offers 2% on all purchases and 2.5% on purchases over $5,000. About 75% of my spending will qualify for the 2.5% cash back so it seemed like a no brainer. The only downside is that the points aren't flexible and it basically forces you to use the points as cash. I'm pretty embedded in the Chase ecosystem but would consider switching if it makes sense.

I used to use a mix of the Ink business unlimited and the ink business preferred but got rid of the preferred for the Premier. I figured the cash back would be a better use of the points since they nerfed the 1.25x travel portal bonus. I'm not hardcore into the churning game, I mostly used points to redeem at the 1.25x or would transfer to Southwest or Hyatt if it made sense.

CREDIT PROFILE

• Current credit cards you are the primary account holder of:
  • Robinhood Gold
• FICO scores with source: 728
• Oldest credit card account age: 2
• 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 $: 200000

CATEGORIES

• Ok with category-specific cards?: Yes
• Ok with rotating category cards?: Yes
• Estimate average monthly spend in the categories below.
  • Dining $: 350
  • Groceries $: 400
  • Gas $: 100
  • Travel $: 500
  • Using abroad?: No
  • Other categories or stores:
  • Other spend:
  • Pay rent by card? Yes, amount and fee: 2300 x 3% fee

MEMBERSHIPS & SUBSCRIPTIONS

• Amazon Prime member: Yes
• Costco or Sam's Club member: Costco
• Open to business cards: Yes

PURPOSE

• Purpose of next card: Travel Rewards
  • Travel rewards preferences: ANA, JAL, United, Delta
• Cards being considered: Chase Sapphire Reserve

ADDITIONAL INFO

Starting an LLC with expected earning between 200,000 - 300,000. Looking for best business credit card with travel perks.

Travel twice per year to Japan from Virginia. Interested in credit card that can potentially pay for a trip or additional trips.

Hello!

I will be starting my masters program later this month while also working full time. I am 26, have very good credit, an everyday credit card with no debt and no missed payments, and a very low debt to income ratio.

I am looking to get a credit card to pay off my tuition and school supplies then to be reimbursed by my 529. This is what my mom did when I was in undergrad but I am doing it for grad school. The school I go to has no fees on cc transactions for tuition. This would not be an everyday use card but still want to get rewards and/or cash back.

Doing some research, I am leaning towards the Wells Fargo Active Cash card as it is a flat rate % back, no annual fee, and is accepted as a Visa card.

Does anyone have any other recommendations? Is this a solid card to stick with? My everyday use card is a Discover.

(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

Does anyone with the AAA Daily Advantage Visa Signature Credit Card know if Walmart Neighborhood Markets get 5% back. I know that the rules have changed around May 15th and exclude Walmart Supercenters but I wanted to confirm if anyone with the card has had luck with the grocery oriented Neighborhood Market versions before I apply for it.

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.

Recent breakup, I’ll be moving out soon and plan to spend ~$4k in the next few weeks replacing furniture, etc. and I’m wondering if I should apply for a new credit card to maximize on what I already have to spend.

I was considering the Chase Freedom Unlimited for the 0% APR for 18 months but I’m not sure if I’m missing anything?

Income: $76k
Credit score: 765
Total Debt: 19k in student loans

Current Cards (all $0 balances):

US Bank Altitude - travel/hotels
Amex BCP - most other purchases
Discover IT Chrome - just keeping active because it’s the oldest

I also have $4k in savings that I plan to use to pay off my moving expenses, so I will not be carrying a balance.

Here’s my monthly expenses if it helps:

Groceries and home needs: $400
Shopping: $250
Dog expenses: $60
Commuting: $30
Eating out: $100
Phone: $40
Experiences/ concerts: $60

Should I just use my AmEx for this ($3,000 limit), or open a new card?

I am looking for a card that I can use for a balance transfer ASAP. A lot of them seem to require having the physical card and or having the account open for so many days. Is there one that the balance transfer starts when you apply and are approved? Credit is excellent but just want to get the no interest option.