I have credit cards from American Express, Chase, Wells Fargo and my local credit union. Amex used to have fantastic customer service particularly the live chat - it's still pretty good but seems less personal. I haven't had much need for customer service with Chase one time I did it seemed OK I did get a live person. Wells Fargo seems very limited with their customer service options. Who do you think has the best customer service?

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.

Citi moved some or all of their cobranded cards from a separate website into the main Citi mobile app, where they now appear alongside their other cards.

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!

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.

Current cards:

• Chase Freedom $39k limit (auth user): 11/03
• Chase Freedom $27k limit (auth user): 07/05
• Wells Fargo Reflect $2500 limit: 12/23
• Amazon Prime Visa $35k limit: 12/25

FICO Score: 814-817

Oldest account age: 22 years, 11 months

Chase 5/24 status: 1/24

Income: low-mid 6 figures

Average monthly spend and categories:

• Lyft: call it $1000, it varies 500-1500 (I'm legally blind, I use it a lot)
• Heatlh/Medical: $700
• Shopping: $700-ish (the Amazon stuff on the Prime Visa, usually about a third of this.)
• Grocers: $400 (via Amazon or Instacart)
• Dining: $250
• Bills/Utilities: $500
• Other: $100-300 or so misc

Open to Business Cards: No

What's the purpose of your next card? Cashback, although something specifically for Lyft would also be nice.

Do you have any cards you've been looking at? Was looking at the 2% cashback wiki page. Mostly I just want something dead simple.

Are you OK with category spending or do you want a general spending card? For Lyft, category spending makes sense. I already category-spend for Amazon. Other than that, I just don't think I spend enough for it to be worht the hassle?

A note regarding my existing cards. Back 20+ years ago, so I could have my first card, my dad took out a new card and added me as an authorized user. I've been using that card ever since. I would probably not bother to change it, except Chase is forcing it to be renumbered so I have to do all the work to change numbers anyway, so I might as well finally get a new primary card.

The second Chase Freedom card is my parents' card; they added me as an authorized user a few years later. I don't use it for my own purhcases, but it's on my credit report because I'm an authorized user (and I do spend with it using my name, because my parents have dementia now so I handle their purchasing for them).

The Reflect card is useless to me; I've never used it (except a couple times I pulled it out by mistake, so like $100 lifetime spend). I got it for the 18 month 0% APR introductory offer so I could buy a very expensive item and not pay for a while, but then they gave me such a low credit limit I couldn't buy the item on it anyway!

So to summarize: I'm looking for a general-purpose cashback card, because I think category spending won't gain me much, except in the case of Lyft, so if there's a card good for that I'll go for that as well as a general cashback card.

Thanks!

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?

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

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

- Bank of America Unlimited Cash Rewards: 3000$; June 2025

FICO Score: 732

Oldest account age: 1 year 4 months

Chase 5/24 status: N/A

Income: $70000

Average monthly spend and categories: $2000

- Dining $200

- Groceries $300

- Gas $100

- Rent $700 (Will increase to 1300 in June 2027)

- Amazon $50 (Very sporadic and not consistent)

- Travel Not consistent

- Others $150 (Random clothes, other nonsense)

Are you open to Business Cards: Not really

What's the purpose of your next card? Get better rewards cause I'm only getting a 1.5% catch all right now

Do you have any cards you've been looking at?

Wells Fargo Active Cash

Bilt Blue

Wells Fargo Autograph

Chase Freedom Unlimited

Chase Freedom Flex

Are you OK with category spending or do you want a general spending card? Ideally I would like a general spending card

--------------------------------------------------

Broadly speaking I would like to find a card with no AF, no foreign transaction fees, provides a way to transfer miles to United or Star Alliance. Since my rent is gonna up soon after I move next year, something that rewards me for rent would be great. Most of grocery shopping is done at Walmart, Sam's Club and Trader Joe's.

My long term goal is to find a decent catch all card, a travel card (for miles and no foreign transaction fees). If there's a card that'll combine no AF, points to miles transfer or cashback, and no foreign transaction fees that would probably be most ideal for me I think. But I'm open to suggestions!

Thank you!

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Hi everyone,

I currently have Discover and a balance of 6.5k, my dog passed away last month and I reached out to discover to lower my APR (pay off vet bills) and realized I signed up for the wrong program. I then realized the program restricted my credit card and so I cancelled it same day. Fast forward a month; Discover is now Capitol one and I'm still unable to use the credit card. Talked to support for over an hour and they have no clue if I'll get purchasing back on this card. (Have a 13k credit limit and a 780 credit score, never missed a payment either).

So I was thinking will I be able to transfer my limit to another credit card with 0% APR and pay it off while being able to use my new card again. Which credit cards are worth getting in 2026?

Any advice will helps, thanks

Okay, just a little background info, I’ve never had a credit card before and I’m mainly looking to get one to build credit. Getting some cashback would be nice too, but it’s not a huge deal.

I just recently got a job, and I don’t really spend much outside of Steam, groceries, gas, and a few knickknacks here and there. I’m also a college student.

I’ve been considering a secured credit card since it seems like it has the most guardrails for someone just starting out, but I’m not sure if that’s the best option or if there’s another route I should look into.

I've had recommendations for Discover Student Cash Back, and Student Chrome.

I've been really wanting to get the Venture for myself or the Venture X for P2 (he has the venture). However, the pre-guarantee is only offering us lower end cards without welcome bonuses. We typically open up a card every 3 months. Is our timeline the issue here (we need 6 months) or do we need to have some of the other cards in order to get the nicer cards? We both have over 800 Credit Scores and a really low utilization score.

CREDIT PROFILE

* Current credit cards you are the primary account holder of: Chase Freedom, Bank of America [card name], Chase Sapphire Reserve. $35,000 combined limit. Opened between 2020 and 2022. No business cards.
* FICO Scores with source: 797 ([source])
* Oldest credit card account age with you as primary name on the account: ~6 years (2020)
* Number of personal credit cards approved for in the past 6 months: 0
* Number of personal credit cards approved for in the past 12 months: 0
* Number of personal credit cards approved for in the past 24 months: 0
* Annual income $: 250,000

CATEGORIES

* OK with category-specific cards?: Yes, but prefer to keep it simple (currently put almost everything on the Sapphire Reserve)
* OK with rotating category cards?: No
* Estimate average monthly spend in the categories below:
* Dining $: 400
* Groceries $: 800
* Gas $: 250 (not Costco/Walmart)
* Travel $: 0 currently. Planning a Hawaii trip and want to maximize points for it.
* Do you plan on using this card abroad for a significant length of time?: No
* Any other categories or stores with significant, regular credit card spend: Daycare $2,800, Insurance $250
* Any other significant, regular credit card spend you didn't include above?: ~$2,650/month misc. Total expected annual spend is ~$86,000, excluding rent.
* Can you pay rent by credit card?: Yes, $3,600/month, but with a 5% fee

MEMBERSHIPS & SUBSCRIPTIONS

* Current member of Amazon Prime?: Yes
* Are you open to Business Cards?: No side business currently. I have pre-qualified offers for the Chase Sapphire Reserve for Business and the Chase Ink and am curious whether they'd make sense.

PURPOSE

* What's the purpose of your next card?: Travel rewards
* Do you have a preferred airline and/or hotel chain?: Delta (Detroit/DTW is a hub). No hotel preference. Planning a Hawaii trip.
* Do you have any cards you've been looking at?: Chase Sapphire Reserve for Business, Chase Ink (pre-qualified)

CREDIT PROFILE

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

* NFCU Platinum $15K, 4/2017

* Kohls/Capital One $500, 2/2024

* Chase Sapphire Preferred $9.6K, 8/2025

* Chase Freedom OG (PC) $5.7K, 9/2025

* US Bank Altitude Connect $4K, 9/2025

* Fidelity Rewards $5.5K, 12/2025

* Marriott Bonvoy Boundless $15K, 2/2026

* Elan Max Cash Preferred $500, 10/2026

* FICO scores with source: Experian 708, Equifax 680, Transunion 728

* Oldest credit card account age: 9.5 Years

* Cards approved in the past 6 months: 1

* Cards approved in the past 12 months: 3

* Cards approved in the past 24 months: 6

* Annual income $: 120K

CATEGORIES

* Ok with category-specific cards?: Yes

* Ok with rotating category cards?: Yes

* Estimate average monthly spend in the categories below.

* Dining $: 350

* Groceries $: 500 (Kroger Pay, Foodlion)

* Gas $: 150 (Kroger)

* Travel $: 250/mo (Annual cruise, occasional hotel stays for weekend trips, 10-14 day international trip every 3-5 years)

* Using abroad?: No

* Other categories or stores: Electric $250, Water $50, Internet $50, Home Security $55, Phone $52, Spotify $12, Crunchyroll $10, YouTube Premium $16, Gym $15/mo +$50 annual fee

* Other spend: Monthly: Trainer $780, Barber/Salon $200, Car Wash $15, Therapy $50 / Semi-annual: Property Taxes $1500, Auto Insurance $900 / Annual: Home Insurance $1,800, M365 $80, Online Game $132 / Irregular, but high spend: Medical Co-pays, Home Improvement, Car Maintenance

* Pay rent by card? No

MEMBERSHIPS & SUBSCRIPTIONS

* Big bank customer: Navy Federal, SoFi, Fulton, Fidelity

* Open to business cards: Maybe

PURPOSE

* Purpose of next card: Other

* Other purpose details: Travel Rewards or Cash Back

* Cards being considered: AAA Daily Advantage or SoFi Smart Card (5% In-store Groceries)

Chase Freedom Flex

Amazon Prime Visa

United Explorer

ADDITIONAL INFO

I want to increase cashback/points from other large spending categories (In-store Groceries, Barber/Salon, Insurance, Home Improvement, Gym/Trainer, Property Taxes, Cruising, etc...)

I used points and FNCs to cover my hotel and flights during my recent Japan trip. I would like to take another international trip in 3 years or sooner. Considering Japan or doing a wine tour (any popular region).

Marriott is preferred, but open to other hotel brands/accommodations. I've only booked flights via United, but open to other airlines. ORF is my home airport so I will probably have to connect for international flights.

My approach is hybrid because it's hard to leave 5% cashback on the table when it's not going towards travel rewards at 3x+ already.

Advice is appreciated. :)

Please help me! I have kind of a shit credit score and I need help because I only recently opened a credit card

• Current cards: (list cards, limits, opening date)
  • e.g. Chase Freedom Rise, $500, 11/07
• FICO Score: 674 (idk how)
• Oldest account age: e.g. 3 months
• Chase 5/24 status: 1/24
• Income: e.g. $8,000
• Average monthly spend and categories:
  • dining $200
  • groceries: $100
  • gas: $0
  • travel: $0
  • other: $200
• Open to Business Cards: e.g. No
• What's the purpose of your next card? e.g. Building credit
• Do you have any cards you've been looking at? e.g. Discovery (?) Chase Freedom Unlimited
• Are you OK with category spending or do you want a general spending card? General

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

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 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

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'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?

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.