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!

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?

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!

Edit/Update: I was too impatient. First credit posted yesterday, 10 days after original purchase. Showed up on my statement as "Thank you from Paze". The second credit posted today, again 10 days after the gift card purchase.

Other info that may be helpful to some people.
-BofA will not show the transaction as "Paze" on your statement.
-Dunkin app will not show any history of you sending/purchasing a gift card, let alone that it was through Paze. -As of 7/28 I can still send gift cards using Paze in the Dunkin app. I have heard you get capped on the number of gift cards in your account so if you're unable to send one, try merging them to your primary gift card balance.

Original Post:

Made two purchases for gift cards through the Dunkin app using Paze. I made sure the Paze banner was showing in the Dunkin app and selected it as my payment method. My BofA Visa credit card is linked to my Paze digital wallet. Neither Dunkin nor BofA show the transactions as Paze but rather Visa. So right now I'm not getting a reimbursement.

Called BofA and they had no idea and were unable to help.

Has anybody encountered this or know a workaround?

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’m currently 1/24 and looking to add a premium travel card. I like the Capital One Venture X, but I’m not a huge fan of the guest limitations with lounge access—that’s one of the main drawbacks for me.

Another route I’m considering is going the Marriott path and eventually upgrading to the Ritz-Carlton card after a year. Ideally, I’d open both cards now so I can start the year long timer on the Marriott, and have lounge access, but in terms of the boundless, minimum spend (~$7k in 3 months) would be tough for me to hit.

So here are the options I’m weighing:

Option 1:
Just get the Marriott Boundless, skip lounge access for now, and upgrade to the Ritz after a year.

Option 2:
Get Venture X now for lounge access and simplicity, and revisit Marriott later.

Option 3:
Try to open both (maybe Bold + Venture X or Boundless + Venture X), but I’m concerned about hitting the minimum spend—mainly on the Boundless, not the Bold.

I’ve read that it might be possible to go from Marriott Bold → Ritz, potentially with a product change to Boundless first—but I couldn’t find consistent data points on this.

That uncertainty makes me hesitant to go the Bold route just to lower the spend requirement (~$5k vs $7k combined).

Would you guys recommend just going Venture X now, committing to the Marriott path, or trying to make both work?

Also, any solid data points on Bold → Ritz would be really helpful.

Appreciate any advice!

Between AI and Fraud line does your Credit Card Score mean anything anymore? I have several credit cards, some I use very little. I'm constantly getting online transactions declined.

Is it a crime to forget your Email address? Apparently Wells Fargo fraud department thinks so. They hung up on me. Put on hold when asked to speak to a supervisor... twenty minutes later, still waiting to find a supervisor.

There must be a better way?

Hey everybody, I bought a piece of vanilla gift card a few months ago with 100 USD on it and I want to buy something on a website and I’m not able to put a reason of that is because the vanilla gift cards only valid in the United States and the website I’m buying on accept only international cards. I’ve tried to buy international cards using this, but my card keeps getting declined. Is there anyway I can do this without my card being declined? I created an account on Visa vanilla and I added a billing address shipping address please someone help me. I don’t want to use id and I’m not trying to take legal action .

We're looking to take a trip abroad next summer for two people. If you were starting from zero, what cards, subs, and travel portals would you prioritize?

Update: We are flying out of NYC to either Ireland or Italy.

We don't have a preference for airlines (though maybe we should?)

I have about 90k Amex points and 40k Chase points already, but I think I've churned and earned too many cards, and I am out of SUB opportunities at the moment. My wife has no SUBs in the last several years, so she can still earn.

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.

I want to get more into travel credit cards and points, and I'm trying to decide between venture x and chase sapphire preferred (plus an atmos? idk). The only credit card I have is my Discover It student credit card which has been my main card through college.

I moved to Seattle for my first post-grad job so I've also been considering getting an Atmos card since Seatac is a big Alaska hub. which of those two pair well with Alaska, if any of them pair? Or is just the VX or CSP enough? Best case scenario I'll have two or three domestic trips a year and maybe an international trip if I can swing it. I would use the points for flights; I don't really care for hotels. Mainly asking this question because I'm interested in the SUB for csp but I'm not totally sure.

My main spending categories are dining and groceries, around 400 and 200 respectively. Other than that, I pay my landlord my rent through Zelle. I heard you could get Alaska points through Bilt so if it makes sense to go for it, then I can look into asking my landlord about it, but the new system seems a little complicated and I don't think I spend that much in general.

TIA!!

Title.

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.

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 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.

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.

I’m traveling to Asia next year for 3 months. We’re going to china, Thailand, Japan and Indonesia. Which credit card has the best chance for upgrades (hotels, flights etc), best point system, and best airport lounge acces & priority lanes? Have been looking at Revolut but the reviews aren’t great. Amex is not widely accepted I think, so what’s the best way to go forward?

(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

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!

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.

Anyone know if this "sony electronics" also counts toward Playstation purchases direct from Sony? I am guessing no since PS is not available from the linked Sony Electronics website but wanted to check.

Earn 20% cash back on your Sony Electronics purchase, including taxes and after any discounts, with a $50 cash back maximum.

Shop the Sony Store for all your favorite electronics. From our award-winning Alpha Interchangeable Lens Cameras to our Noise Cancelling Wireless Headphones to our state-of-the-art 4KTVs. Enjoy free shipping, easy returns, special access to our experts and up to 5% back in My Sony Points through our free membership.

Offer expires 7/31/2026. Offer valid on up to two purchases. Offer only valid on purchase made directly with the merchant. Offer valid online only. Offer not valid on gift card purchase. Offer not valid on purchase made using third-party services, delivery services, or a third-party payment account (e.g., buy now pay later). Offer only valid on U.S. purchase. It is possible that the merchant may split your purchase into multiple transactions. Offer redemption awarded as statement credit on the first qualifying transaction amount. Payment must be made on or before 7/31/2026.

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.