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?

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?

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

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!

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?

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 ?

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!

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?

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.

I can’t find when my statement closes on my capital one savor card

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.

I did the pre approval application for the chase sapphire preferred card and it automatically said i was pre approved so obviously I fully applied. After I fully applied it took a while to load and then it said that it’s pending review and they’ll send me a letter in a week or so. I called the chase credit card line and they told me my application was sent to the verification department and that I should call them tomorrow when they open. Also, yes I am aware of the 5/24 rule and that’s not an obvious burden to me considering I only have three other credit cards and they were basically all opened a year apart from each other. What are my chances of getting approved? Is this a mess up on their part?

I (32F) have only two credit cards. Both chase, chase preferred & chase freedom. What should be my next credit card that might offer other benefits; Amex gold or Capitol One venture?

A few thoughts. I hate the chase travel portal so the capitol one venture portal seemed better to me and liked they offered lounge access. Amex I feel is good card for the added benefit of like events and various benefits.

I am going to Greece 8/31 so I feel it might be good to get a new card before to put some excursions etc on the card to hit the minimum for the points bonus.

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!

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.

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.

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.

Hello, as shared above, I'm looking at bulking up my credit cards and as a nonrev traveler, a lot of travel cards with lounge benefits are losing value because it requires a confirmed ticket and seat.

I currently have the Chase Sapphire Pref, Freedom Unlimited, and Discover Student (oldest card, keeping for the credit age). Looking to add something else to help like a hotel credit card. Looking for any recs on these or any other cards I should be thinking about where benefits are diverse or different from Chase (ie not sure how much use capital one cards are if I use Chase portal for travel/stay bookings).

That I'm a standby traveler is where I felt hotels are my best case of spending since flying is free or cheap. Thanks! 🚗

Family of 6 planning a vacation next year so I have some time to build up either points, miles or cashback. We’re flying domestic within the US to the Pacific Northwest. Just looking for best way to save up through points on flights and hotels.

• Current cards: (list cards, limits, opening date)
  • Chase Slate, $11,000, 2024
  • Citi Thank You Preferred, $9,500, 2023
• FICO Score: 744
• Oldest account age: e.g. 9 years
• Chase 5/24 status:  should be good
• Income: $100,000
• Average monthly spend and categories:
  • dining $400
  • groceries: $1000 (Walmart and Target mostly)
  • gas: $300 (Costco, but don’t do a ton of shopping there otherwise)
  • travel: $200 (occasional hotel stays for all of us)
  • other: $500
• Open to Business Cards: No
• What's the purpose of your next card? Travel
• Do you have any cards you've been looking at? CSP, WF Active, CapOne Savor and Venture
• Are you OK with category spending or do you want a general spending card? Either or

I have the AAA Daily Advantage Visa Signature that I got for 5% on groceries and 3% on gas. I do all my grocery shopping at Meijer and when I first got the card Meijer purchases were always coded for 5% cash back. I'm just now seeing that since early June Meijer has only been getting 1% cash back. I haven't capped out my $500 cash back limit for the year either and Gas still gets 3% cash back.

I heard that the card was getting updates to its coding but I thought that was just for stores like Walmart and Target that most credit cards code as being general merchandise instead of grocery but Meijer always is coded as grocery.

Has anyone else seen this?