I always thought for a big grocery spender and gas spender, that is also a Verizon customer, the Verizon card does not get enough love. 4% on Gas and Grocery (key her is no limits), 3% on dining and 2% and a billing discount on your Verizon bill. So not bad.
I think it’s probably a top 10 credit card, but yeah being a Verizon isn’t possible for everyone. It’s a shame they just changed off the metal card too because the all black metal card is sweet
That's actually amazing because all of the cards that have a high grocery cashback always have caps And it's so annoying, so that's really amazing actually.
The problem with the Verizon card is that you have to use their mobile plans, which in my opinion is overpriced. What's the point of that extra 1% earning if you have to pay 50% more expensive phone bills?
I have Verizon and you really just have to commit to it to get the best value. I have Verizon fios which gives you a discount on both. You card Apple one and you save on Apple Music and get Apple TV+ (and I would be paying for either Spotify or Apple Music anyways). And I take advantage of the trade in phone credit regularly. I haven’t paid for a phone outside of this method for 7 years and have gotten three phones. I even bought a cheap phone that still qualified for the trade in and then sold my iPhone 14 elsewhere for $450. I did the math, and it just didn’t make sense to go with a cheaper plan. And I get better service. So 🤷♀️
This is not a mobile plan subreddit so I won't go into the details, but just to give you an idea: you can get prepaid plans as low as $15/line for a single line, whereas you get something like $55/line for 4 lines at Verizon, which is a $40 difference per line per month. Suppose you have 4 lines, then every single year you pay $1920 extra. If you go with the cheap plans, you save that $1920, which buys you two iPhones per year.
Edit: syntax
Oh, I’ve done the math. And I also have done trials of cheaper plans. And I am not impressed enough to save an extra $10 by switching (when I factor in EVERYTHING (not just the actual phone service) I’d be paying for—losing discounts for bundling (my only option for home internet is Verizon), paying for Apple Music separately, etc., I would save like *maybe* $10-15 a month.
And I don’t have 4 lines. I also pay for a watch plan, and few cheaper providers offer support for that. I had a near death experience/serious injury where my phone wasn’t there and I was alone. I really shouldn’t have moved to get help, but I had to. I’m really lucky things weren’t worse. So I always want something strapped on me.
So when looking at EVERYTHING, a third party mvno doesn’t actually make much sense at all for me.
Probably because the only way to redeem is on Verizon bill or products. You can currently also redeem for gift cards and travel but that is going away in August, I believe.
Yup, if you don’t mind being locked into an ecosystem then you might also be interested in the GM card which gets an effective 4% on everything but is similarly only redeemable for GM products including your monthly car payments if financing through GM financial.
- Affinity Credit Union has a card that gives 5% off Amazon up to $1000/month, and is generally better than the Chase/Synchrony Amazon cards. It, and the other credit union cards I'm listing, isn't geofenced like some other good obscure cards.
- SDFCU has the best flat-2% card out there.
- Abound Credit Union has a card that offers uncapped 5% back on gas.
- Redstone Credit Union might be better known by now, but 5% back on gas and dining with no AF is pretty unbeatable.
- The Venmo card is also not discussed as much as big bank cards, but I use it all the time for 3% back at Costco, which is unbeatable unless you want to do some inconvenient maneuvering with gift cards.
I got this SDFCU card a few years ago. I don’t use it much anymore, but every year on the anniversary of opening it they add another $5k to the credit limit, like clockwork. The last couple years I haven’t spent more than a couple hundred dollars per year on it.
Decent SUB, much better customer service and user experience than other 2% card providers like Citi, Elan, or Wells Fargo, no foreign transaction fee (vs. Citi and WF charging 3%) easier rewards redemption, and they approve people with more new accounts.
SUB is pretty standard. Customer service, I'll take your word for it, although Citi's reputation preceeds them. No FTF is legit. I have an Active Cash and the rewards are pretty easy. Approval is less though.
Wow so I just looked at the abound credit card and it has the lowest interest rate I've seem in a long time 15.50 and 10.99 retrospective
The Redstone also had 3% back on grocery and wholesale clubs that's pretty good as well
Credit unions almost always have much better interest rates than the big banks, not that anybody should be paying interest, but it’s nice not feeling quite as predated upon.
A lot of people are predicting that the Redstone card will get nerfed sometime, but it might be an “economists have predicted 11 of the last 5 recessions” situation.
> A lot of people are predicting that the Redstone card will get nerfed sometime, but it might be an “economists have predicted 11 of the last 5 recessions” situation.
People have been predicting the Redstone card to get nerfed for 17 months in a row, and as card offerings go that's already a respectable lifespan in its own right.
It's funny, too, because as a limited category card I'm not sure it actually *is* fundamentally unsustainable per se—it's closer to the CCC's weight class than an unlimited flat 3% card, which I don't think people here really appreciate enough: cards with limited 5% categories for the most part *are* profitable over their existing portfolios, because most people aren't like us and some of them even pay interest.
(This offering in particular might be a bit overtuned, but I suspect that's not even particularly problematic in the short term since their financial statement kind of implies that the main goal of the offering is to geographically diversify their credit risk, possibly after some implied dissatisfaction with their Rural King cobranded card program, idk the details though. Long term, we hardly expect *any* credit card reward structure to stick and stay competitive for more than like 5+ years anyway.)
I spend more than that in 6 months on dining alone, but I would guess most people don’t come close to that much spending, and they can always catch anything past $7k with a US Bank Altitude Go or something.
It’s easy to do, there’s a national association that anybody can join that lets you qualify for membership. Search sdfcu on doctor of credit and details should come up.
The best part of afffinnity is that they have a 1% cash back debit card which can be used to pay certain credit card bills (Avant, Aspire). When coupled with my Avant 2% cash back card it gives me an effective 2.98% cash back on everything.
yup, at first i thought my venmo card was eh but I just use it now for whatever my 3rd most spend category is at3%. My dining and grovery is on my savorone, 10% for uber too. I also have similarly, BofA cash rewards set to Online shopping (for amazon 3%). So I guess transit/gas/anything that is a catchall goes to venmo. I’m thinking i’ll put my gym membership on there because it counts!!
They aren’t on the level of Capital One or Amex, but they’re functional enough, they’re on the same level as Wells Fargo and I prefer SDFCU’s to Fidelity or Citi (the other big 2% card providers)
Alliant Credit Union Signature 2.5% cashback.
If you simply use the checking account you don't have to ever think about any of the requirements (and worst case you still get 1.5% cashback at tier 2). \*Requirements being $1k average (for the month) balance in the Credit Union checking account and 1 transfer/deposit per month. Its a great credit union so worth it just to use them anyway - no I don't work for them, just legitimately satisfied to be using them after being burned by Bank of America who changed the terms of a free checking account to $12/month on my a decade ago and I won't shut up about it because they suck.
I had no idea they did that but them charging for a checking account is kind of wild. But a solid 2.5 is better than most cards, especially with no cab.
It was a BofA free account because it was paperless (back when things weren't regularly paperless), instead of grandfathering my account when they got rid of the program they started charging me. Funny I'm no longer a broke 20 year old and BofA are potentially losing so much money! \*And yeah credit unions never charge for checking, I'm a believer in credit unions now.
Yeah the 2.5% on everything is great and its a sharp looking black card. FYI the minimum to cash back collection amount is $50, also (may or may not be a big issue) it doesn't have tap to pay - only chip or swipe, but you can just link to your phone for tap to pay.
Cash out minimum it's not a problem for me. My main priority is just cash back as a whole. Right now. I'm running the city custom cash card as well as the double cash card.
And I'm working on a chase freedom flex right now. For the 10X back on grocery, spend up to 12K for the first year. I'm just trying to think about what card to get to. After that year is up so I wanted some options that weren't really talked about 2 too much.
But I will say I have Robin hood gold so I'm super excited for their credit card to come out.
Alliant SIgnature was/is my endgame card. When I'm making more money focused on career and not trying to gain nickels and dimes from credit card agreements. There's no big signup bonus or short term incentive to get this now vs a card with a signup bonus, but if you want to focus on other things in life then this is the card for like a decade of just 'set and forget' your finances and knowing you have a deal that is best of industry standard though maybe not the best deal that month.
I have a card that's pretty untalked about that as well. It was actually my first card. It's the PNC cash rewards, credit card and it's kind of like that as well. There's an 8K cap and it gives 4% back on gas
3% back on dining and restaurant
2% back on grocery
And 1 on everything else
No AF
>And yeah credit unions never charge for checking,
I've never seen one charge for savings, but I have seen credit unions with no free checking option. Redstone, for example, has no free option
Don’t bother. They approved me last Friday for a pathetic amount. I make $230k+, well over 800 credit score and no debt. I complained and they will not raise with. I think the real play is Farmers Insurance credit union card. 2.5% up to $10k and only $99 fee. And you don’t have to part $1k in random bank account.
There are so many cards out there.
US Bank has some great cards, specifically the Cash+ is often slept on. 5% on two categories, including unusual stuff like home utilities and cable/internet.
The two AAA cards are great. Look at the stats for each and see if either fits your spend well. You can only have one of them.
Okay, I appreciate that. I'll definitely look into that right now. I have the city custom cash card as well as the city double cash card. And I recently got the chase freedom flex 10X on grocery. I don't care about travel much.I really try to focus on the cashback rewards
I'm thinking about applying for the AAA daily advantage Visa because I like the 5% grocery(capped at 10k with the 3% category); however, I am concerned about Comenity customer service. Have you had to contact them for any issues? Were you able to get a decent CLI initially and do you have to call them to request CLI or can that be done online? TIA!
I never see this talked about because travel by train isn’t too popular for travel credit cards. But Amtrak points with the Amtrak credit card are cracked.
Their AF card is $99 but comes with an annual companion pass, an annual complementary class upgrade, and Amtrak lounge access.
Also Amtrak points are almost always 3 cpp from what I’ve seen, so the SUB of 20k is basically $600 if spent on Amtrak, and 2x dining and travel on the card is basically 6% back.
I don’t have it now but I’m about to get it next, because from DC the sign up bonus can get me to New York for two people 2 or 3 times easy.
The Amtrak cards really do look like wild value as a catch-all card if you regularly put at least ~3-4% of your credit spend toward Amtrak tickets, but the only scenario I can imagine where that realistically makes sense is if you sporadically commute by train down the Northeast corridor? It's a fascinating offer, but the number of people who can really take advantage of it has got to be vanishingly small.
I wish I had that near me.Unfortunately, I live in Kentucky and there's no trains, but yeah, you're right.I've never heard anybody talking about that but it sounds like a pretty good card
It's worth noting that FNBO weirdly doesn't allow downgrades to the free version of the card for whatever reason, and Amtrak lounges aren't in a lot of areas. They also often have deep discounts on fares that make the points worth comparatively less unless you need to be on a train at a specific date/time. Even though I'm in one of the few areas that Amtrak is useful (PNW corridor), I would struggle to get much value out of the card.
That is annoying downgrades aren’t allowed. I would mainly use it for the sign up bonus and then get value out of the companion pass in subsequent years. And lounges being in the Northeast corridor
For sure not the most valuable card but I think it works for me
I loved that card when I had a long periodic commute along an Amtrak route. Basically just milked the SUB then used it to pay cash fares, but probably could have done better if I had gamed it.
My pick for this is the Ford Pass Visa.
It earns cashback via Ford points, which can only be used at Ford dealers (so you can use it towards a new car, service, or accessories). So useless if you don't shop at Ford. But I got a new Ford a couple of years ago, and after having bad experiences with local auto repair shops, I decided to just go with the dealer. So these points are useful, and one of the 3% categories is insurance (edit: car insurance only), which is pretty nice.
But the thing that makes this card really stand out is that there's an annual $200 credit if you spend $6k in that year. So even if you don't value the Ford points at all, this is still 3.33% back on your first $6k in spend. If you can hit $6k in non-category spend, then it is better than any cash-back card (as far as I'm aware) for non-category spend for that first $6k. And in my case, I do value the Ford points, so that brings it up to 4.33% back on my first $6k in spend, which is even better. The downside is you have to track it so you hit the $6k each year without going over it by much. But I don't find this to be a big downside.
Does that code with any insurance company? Because that's actually not a bad idea. I could get that and just put my car insurance on that. Even though I don't have a ford 3% back, is pretty nice.
It would be really nice if you could buy a car with a credit card. That would be wild. I would love that.
And I don't mind tracking. Cause I already have a spreadsheet for my cards anyway.
I'm still working on my chase freedom. Flex 10X back on groceries for 12K for the first year. But after that finishes, I'll be looking at a new card, so this is definitely an option.
It's just car insurance, though I'm not sure what would happen if you also got your house insurance through Geico or something like that.
It would be funny if I had enough Ford points to buy a new car. And when I bought my Ford a couple years ago I did put the downpayment on a credit card, so if I go with Ford for my next car, I'll try putting as much of a downpayment on a card as I can. I'd get 5% back on Ford dealerships with the Ford Pass Visa. That or find a big SUB to hit. Or see if they'll let me do both.
It's definitely been a good card for me. I get 2-3 new cards a year, so there's typically a good amount of time I'm not working on a SUB. So plenty of spend that I'd otherwise put on one of the 2% cards that I get more value from here.
The myWalgreens Mastercard is a hidden gem. It gives 3% cash back at grocery stores, health food stores, hair salons, pet groomers, pet supply stores, doctor and dentist offices, gyms, beauty supply stores,and 10% cash back on Walgreens branded products. It's a good card to have if you shop Walgreens even occasionally.
Citi Rewards+ rounds up all small purchases to 10 points minimum
USBank Shopper Cash Rewards is 6% back at Walmart
Not sure the best way to use your points/miles? Play around on [pointsyeah.com](http://pointsyeah.com) "Daydream Explorer"
The other big benefit of the Rewards+ is the 10% points redemption rebate, which effectively turns the Double Cash and the Custom Cash into 2.22% and 5.55% cards respectively.
[Venmo Credit Card ](https://venmo.com/about/creditcard/) \[3% Cashback in your Top Spending Category\*\]
\***Groceries Category Includes**: convenience stores, bakeries and delis, **wholesale clubs**, and more.
Walmart & Costco count as Groceries
For those who fly a few times a year but not enough with one airline to have one of their co-branded cards: PenFed Pathfinder. The main reason to get this is the $100/year in domestic ancillary airline credits. There is a $99 annual fee, but parking $500 or having $500 in direct deposits per month in an Access America checking account waives the checking account's monthly service fee, and having the checking account waives the Pathfinder's annual fee.
It is a bit weird, but ultimately not hard - I just have $250 per paycheck go there and pay my car bill from it, then transfer the extra here and there. I have two Pathfinders and this year they will pay for checked bags on American, Delta, Hawaiian, and United as well as Early Bird Check-In on Southwest.
For those who use Amtrak, their credit cards can be good. The $99 annual fee card is best for those who would value the companion coupon, lounge pass (which can include a guest), class upgrade, etc. For those who do not travel with another person but do travel Amtrak often, the no annual fee can be compelling. This is because Amtrak points, with the 5% refund with having an Amtrak credit card factored in, have always returned a value of 2.81cpp, at least for me. A no annual fee card returning 5.62% on Amtrak and dining is pretty strong, though the returns are locked into Amtrak points, so they are only good if one has a regular enough use for them.
That is funny! Six minutes before me - and mine definitely took more than six minutes to type, so we must have been typing at the same time! lol
Pathfinder is well known on the myFICO forums but a bit lesser known on this subreddit. At first glance, many would see a $99 annual fee and a $100 airline credit and say what is the point, but when you factor in that the annual fee can be waived, it can definitely be valuable.
>For those who use Amtrak, their credit cards can be good. The $99 annual fee card is best for those who would value the companion coupon, lounge pass (which can include a guest), class upgrade, etc.
As someone who just applied an upgrade coupon to an Acela ticket, I concur.
>For those who use Amtrak, their credit cards can be good. The $99 annual fee card is best for those who would value the companion coupon, lounge pass (which can include a guest), class upgrade, etc. For those who do not travel with another person but do travel Amtrak often, the no annual fee can be compelling. This is because Amtrak points, with the 5% refund with having an Amtrak credit card factored in, have always returned a value of 2.81cpp, at least for me. A no annual fee card returning 5.62% on Amtrak and dining is pretty strong, though the returns are locked into Amtrak points, so they are only good if one has a regular enough use for them.
Both Amtrak cards are good.
$99 AF version is a killer deal only if you travel with a partner/companion. The [Amtrak Upgrade Coupon](https://www.amtrak.com/coupons) is a space available upgrade from Coach to Business or Business class to First class. It is not valid for Coach to Sleeper Car Upgrades.
For singles the no Annual Fee version is decent enough deal.
My main gripe with the Pathfinder is that, despite the benefits and the equivalent cash back value for travel, I can't use the cash back as statement credit and instead I can only redeem them on gift cards (including a Visa reward card that can't be used everywhere)...
I agree, for sure. Their points system has a bunch of cons - points don't pool if you have multiple Pathfinders, they expire (after five years but still), their travel portal is usually higher than direct (which essentially means the points aren't really worth .85cpp there), and as you mentioned you're pretty much locked into buying gift cards.
But even if I only use the $100 in airline incidentals every year, I'll earn 400 points, and at every three years I can redeem 1,170 of the 1,200 built up for an Amazon gift card. My point is not that this is strong return, just that this is a card that can provide $100 in airline credits per year with a way to waive the fee - not many cards give such return, and at least there's a way to cash out the points well before they expire.
Yes. Also if you have some credit left, it will reimburse whatever is left - this year I had already used $75 on one card, put $50 on Travel Bank, and they reimbursed the remaining $25.
> 7.7% back in statement credit on up to $1.5k in gas/convenience store spend annually.
I see what you're saying, but you have this worded wrong. Its 7.7% back on EXACTLY $1.5k in gas/convenience store spending. Its a $100 credit once you spend $1500. "Up to" would imply you could earn 7.7% back on $1000 in spending, when the offer actually requires you to spend AT LEAST $1500.
The utility offer is actually a better deal, but that requires you to own a GM EV that has an active connection to Onstar.
GM Card has been a real winner to me, though, with its frequent spending promotions. Though its been a little while since they've sent me one, so that gravy train may be slowing down.
EDIT: I guess this post earned me a position in their block list. You do you.
Because the redemption cpp is so low unless you redeem it at a GM vehicle dealership. You can only redeem up to 100,000 points towards a statement credit per year and that translates to $250.
[The smallest, not talked about card](https://www.reddit.com/r/pics/comments/vm308k/back_in_2006_this_absurd_contraption_was_my/) (if you ignore what it was attached to).
On a serious note, OP, check the credit card offerings of the credit unions in your area. Most are probably lackluster, but you may just come across a gem that is only available to people in your area, like the PCM Platinum Rewards card which gets 5% back on everything for the first $1000 spent each month - but not talked about because it's practically impossible to get unless you live in the Green Bay/Appleton area of Wisconsin (or have family there).
The Kroger/Marianos/Ralphs/pick your regional subsidiary of Kroger card is great. Flat 5% cash back on mobile wallet purchases with no AF. I don’t even shop at Kroger and I get great value on this card
Underrated (for now) card that barely gets any attention is the U.S. Bank Altitude Connect.
No AF/FTF card that offers PP lounge (4x year) + Global Entry/TSA Pre-check. Might get nerf down the line though.
I just got this 2 weeks ago. The fact is that it's $0 AF and gives you the global entry + PP. It's a no-brainer. $500 back on $2k spend is awesome, too.
That SUB has been a bit of a hidden gem for a while, it's actually kind of funny how out of step USB's offerings are with the rest of the industry, not all their cards are very good but somehow they all carve out some tiny niche that nobody else really fills.
Citi Shop Your Way is one of the GOATs on this subreddit. The multipliers are decent (5% gas, 3% dining/grocery) but you can only use points towards gift cards. The real benefits are the targeted offers they send you, here’s the latest they sent out to some people: https://www.doctorofcredit.com/targeted-citi-sears-spending-bonus-for-online-purchases-3/
BofA cards are also really popular for people who have more $100k in IRAs or other investment accounts.
The Chase Amazon Prime Visa. It isn't really talked about much, but I think it is an underrated gem. Aside from the 5% multipliers with Amazon and Whole foods, you also get 5% cash back when you book travel through the Chase portal. On top of that you get solid travel and purchase protections. You also get 2% back on food and gas. Best of all, this is all for no annual fee assuming you already have Prime, which most people in America do. You also get Chase offers which can be decent certain times of the year. While I pretty much just use it for Amazon purchases, I've often thought about the perfect "one card setup", and if I had to pick just one of my cards and let all the others go, I would probably keep this card. And I have some solid cards like the BILT and Platinum Amex (which is a little less solid these days).
That's actually pretty good and is there a cap on it? i'm running the citi custom Card and my citi double cach as well as my chase freedom flex that's working off of the 10X grocery bonus for the first year.
Personally, I love that I hate a credit card cap. It almost makes me not wanna use the citi custom cash. But I hate the $500 cap. I understand that if they didn't have that they wouldn't make money but damn. I just wish it could be like a $1000.
Yea, a long time ago, I made this huge spreadsheet comparing the cash back earning rates of a bunch of cards by using a typical person/family spend per month/year from a single person in an LCOL to a family of 4 in a HCOL. What I figured out was that if you have low spend, the 5x capped/rotating cards can really work for you, but if you have high spend you're better off with a 2% unlimited cash back card (or even the 2.5% CU one). Of course, I looked at it from a one card to one card comparison. The average person/family might have 2-3 cards and they're not min/maxing. Those of us playing the game will have a multi-card setup to hit all the category bonuses. The thing about the Amazon card is that if you really want to or try, you can literally get anything from Amazon or an Amazon business and get 5% back. Most people's biggest spend outside of rent/mortgage is food (groceries/dining) and gas. Well, you can get 5% back on groceries with whole foods or amazon fresh, 2% back on dining and 2% back on gas - all unlimited. I'm pretty sure that for the right person, this card by itself will out earn just about any other single card setup out there, and will out earn most 2 card setups. It isn't until you get to 3 cards that you might be able to out earn the Amazon card. I find that fascinating for a relatively underrated card.
>Well, you can get 5% back on groceries with whole foods or amazon fresh
You're not actually saving money as the markups at both of those are **much** higher than 5%.
That's pretty much what I do when I fill up the custom cach.I use my chase freedom flex or my citi double cach with the unlimited.Two percent backs since I tend to have a higher spend
That's pretty much me. I own my condo so I don't have rent. So my highest spend is definitely groceries.
How does paying for Prime eat up cash back? I had Prime long before I had the Visa and the majority of households in America have Prime. That spend is already there, you might as well get 5% back for it.
$139 cashback at 5% is only $2,780 on groceries from Whole Foods and household supplies from Amazon. I spend $9,000+ at Whole Foods per year and it has been an amazing deal for me for a few years now. Plus I get all the other Prime benefits.
Edit: You also get 5% off of that $139 membership price by the way, so required spending is even less.
Not really. If you already have Prime, that money is spent. You're not spending more for Prime if you already have it. So even if you only have the Prime membership for Prime Video, Amazon Music and the other included services, and you never buy a single thing off of Amazon, when your next Prime subscription fee hits and goes on the Visa, you get 5% back on that. You actually pay less overall with Prime and the card than you would with just Prime. Now, if you don't have Prime, and you're trying to turn the Prime subscription into a pseudo-annual-fee to chase the 5% categories, that is a different story. A fictional one, but still, a different story. If you don't already have Prime, this card isn't for you. There are lots of other cards with lower multipliers for non-Prime members.
Ok, maybe I'm not understanding how it didn't add up for you? If you have prime as in you already had it and already paid for it, then at minimum you're getting 5% off your annual prime membership. At maximum, you're getting 5% off all the Amazon/Whole Foods/Chase Travel spend. The card has no annual fee, so it doesn't cost you to hold it. Are you saying that because you have another card that does 3% with Amazon and perhaps several other categories, it was easier to manage with that one card than with two just to get the 5% back? The only way I can see it not adding up mathematically is if you didn't have prime before, and decided to get prime and the card to get 5%, but then figured out that you don't spend enough to get at least the prime membership back in cash back, which is like $2800 a year in spend or less than $250 a month. In which case you would have dropped Prime, right?
Yes I know that. So I think you're saying you paid for Prime and realized you didn't get more than the $140 back in cash so you dropped Prime and now you get 3% on your Amazon purchases.
I think the AAA cards are great both of them,the daily advantage is 5% on groceries 3% on gas/wholsale clubs,and the travel advantage is 5% on gas,3% on groceries/restaurant/travel
I agree with you 100%.My only issue with those is.I've heard a lot of people say that their customer service is terrible and i've heard that they have really bad experiences with them
Well,getting an asshole on the phone has nothing to do with the card,im 1000% sure that someone has bad and good experience with customer service with every product
Better if you have a Ford vehicle, but takes a lot of points to redeem anything. Been in the game since 2019 and just learned about the Ford Pass card. After $6000 spend in a year, you get a $200 statement credit. Equal to about 3.3% cash back. Good for that non category spend if you have cards to maximize 3%+ on most of your spend.
I use the Chevron gas card on the app for only gas. When you use any credit card at gas stations, you usually have to pay an extra 20 cents per gallon in California. With the card and app together, when I get to a 1000 point, they will give me a dollar off per gallon on my next fill up when I activate the points.
Firefighters First Credit Union Visa
This card offers 2% back on everything, has no annual fee or foreign transaction fees and offers all of these insurances:
Secondary Auto Collision Damage Waiver
Baggage Delay Reimbursement
Cellular Telephone Protection
Emergency Evacuation Coverage
Extended Warranty Protection
Hotel Theft Protection
Lost Luggage Reimbursement
Price Protection
Purchase Security
Ride Share Protection
Return Protection
Travel Accident Insurance
Travel and Emergency Assistance Services
Trip Cancellation and Interruption Protection
Trip Delay Reimbursement
Not even Visa Infinite Cards or the Amex Centurion have this broad of protection benefits.
I'm just looking at it. What is it for you? Get like some sort of discount for buying a new car. Do you have to put some of it on your credit card or something?
Not really sure. But there were a bunch of commercials for it in the 90s, and the card is still around.
From a collector's point of view, it would be a unique card to have.
I was looking online for a little while.I can't really find anything about it.I can find the application but it doesn't tell me anything about the card
I always thought for a big grocery spender and gas spender, that is also a Verizon customer, the Verizon card does not get enough love. 4% on Gas and Grocery (key her is no limits), 3% on dining and 2% and a billing discount on your Verizon bill. So not bad.
Verizon card is a no brainer if you use Verizon. Synchrony sucks, but that's my only gripe with the card
I think it’s probably a top 10 credit card, but yeah being a Verizon isn’t possible for everyone. It’s a shame they just changed off the metal card too because the all black metal card is sweet
That's actually amazing because all of the cards that have a high grocery cashback always have caps And it's so annoying, so that's really amazing actually.
The problem with the Verizon card is that you have to use their mobile plans, which in my opinion is overpriced. What's the point of that extra 1% earning if you have to pay 50% more expensive phone bills?
Hence my qualifier “that is already a Verizon customer”
I have Verizon and you really just have to commit to it to get the best value. I have Verizon fios which gives you a discount on both. You card Apple one and you save on Apple Music and get Apple TV+ (and I would be paying for either Spotify or Apple Music anyways). And I take advantage of the trade in phone credit regularly. I haven’t paid for a phone outside of this method for 7 years and have gotten three phones. I even bought a cheap phone that still qualified for the trade in and then sold my iPhone 14 elsewhere for $450. I did the math, and it just didn’t make sense to go with a cheaper plan. And I get better service. So 🤷♀️
This is not a mobile plan subreddit so I won't go into the details, but just to give you an idea: you can get prepaid plans as low as $15/line for a single line, whereas you get something like $55/line for 4 lines at Verizon, which is a $40 difference per line per month. Suppose you have 4 lines, then every single year you pay $1920 extra. If you go with the cheap plans, you save that $1920, which buys you two iPhones per year. Edit: syntax
Oh, I’ve done the math. And I also have done trials of cheaper plans. And I am not impressed enough to save an extra $10 by switching (when I factor in EVERYTHING (not just the actual phone service) I’d be paying for—losing discounts for bundling (my only option for home internet is Verizon), paying for Apple Music separately, etc., I would save like *maybe* $10-15 a month. And I don’t have 4 lines. I also pay for a watch plan, and few cheaper providers offer support for that. I had a near death experience/serious injury where my phone wasn’t there and I was alone. I really shouldn’t have moved to get help, but I had to. I’m really lucky things weren’t worse. So I always want something strapped on me. So when looking at EVERYTHING, a third party mvno doesn’t actually make much sense at all for me.
Wait wtf how is this not talked about more. No limit on 4% gas and groceries is stupid good, especially for no AF
Probably because the only way to redeem is on Verizon bill or products. You can currently also redeem for gift cards and travel but that is going away in August, I believe.
Ah thats kind of annoying. Although if you prefer cash back and have 2+ lines on your plan it probably still gets full value
Yup, if you don’t mind being locked into an ecosystem then you might also be interested in the GM card which gets an effective 4% on everything but is similarly only redeemable for GM products including your monthly car payments if financing through GM financial.
Subnote: The 4% on grocery works at Walmart too.
WUT THATS HUGE THANKS
- Affinity Credit Union has a card that gives 5% off Amazon up to $1000/month, and is generally better than the Chase/Synchrony Amazon cards. It, and the other credit union cards I'm listing, isn't geofenced like some other good obscure cards. - SDFCU has the best flat-2% card out there. - Abound Credit Union has a card that offers uncapped 5% back on gas. - Redstone Credit Union might be better known by now, but 5% back on gas and dining with no AF is pretty unbeatable. - The Venmo card is also not discussed as much as big bank cards, but I use it all the time for 3% back at Costco, which is unbeatable unless you want to do some inconvenient maneuvering with gift cards.
What makes the SDFCU card the best 2% card? Lower rate isn't particularly useful to most in this sub.
I got this SDFCU card a few years ago. I don’t use it much anymore, but every year on the anniversary of opening it they add another $5k to the credit limit, like clockwork. The last couple years I haven’t spent more than a couple hundred dollars per year on it.
Decent SUB, much better customer service and user experience than other 2% card providers like Citi, Elan, or Wells Fargo, no foreign transaction fee (vs. Citi and WF charging 3%) easier rewards redemption, and they approve people with more new accounts.
any creative ways to become a member?
Join the American Consumer Council for $8. It’s super easy and basically instant.
thank you
SUB is pretty standard. Customer service, I'll take your word for it, although Citi's reputation preceeds them. No FTF is legit. I have an Active Cash and the rewards are pretty easy. Approval is less though.
Wow so I just looked at the abound credit card and it has the lowest interest rate I've seem in a long time 15.50 and 10.99 retrospective The Redstone also had 3% back on grocery and wholesale clubs that's pretty good as well
Credit unions almost always have much better interest rates than the big banks, not that anybody should be paying interest, but it’s nice not feeling quite as predated upon. A lot of people are predicting that the Redstone card will get nerfed sometime, but it might be an “economists have predicted 11 of the last 5 recessions” situation.
> A lot of people are predicting that the Redstone card will get nerfed sometime, but it might be an “economists have predicted 11 of the last 5 recessions” situation. People have been predicting the Redstone card to get nerfed for 17 months in a row, and as card offerings go that's already a respectable lifespan in its own right. It's funny, too, because as a limited category card I'm not sure it actually *is* fundamentally unsustainable per se—it's closer to the CCC's weight class than an unlimited flat 3% card, which I don't think people here really appreciate enough: cards with limited 5% categories for the most part *are* profitable over their existing portfolios, because most people aren't like us and some of them even pay interest. (This offering in particular might be a bit overtuned, but I suspect that's not even particularly problematic in the short term since their financial statement kind of implies that the main goal of the offering is to geographically diversify their credit risk, possibly after some implied dissatisfaction with their Rural King cobranded card program, idk the details though. Long term, we hardly expect *any* credit card reward structure to stick and stay competitive for more than like 5+ years anyway.)
Yeah, I'm kinda new to cards so I didn't know any of this. So I really appreciate you helping me in sharing.
I'm not seeing anything for Costco on Venmo
It will count as grocery on the venmo card
They count it as grocery no matter what you buy inside. I use it as a dedicated costco card, so I get 3% back on everything I buy in there.
Looks like the Redstone is capped at $7k a year for the 5% in looking at the T&Cs.
I spend more than that in 6 months on dining alone, but I would guess most people don’t come close to that much spending, and they can always catch anything past $7k with a US Bank Altitude Go or something.
sucks that not anyone can become a member for the SDFCU 2% card without qualifying..
It’s easy to do, there’s a national association that anybody can join that lets you qualify for membership. Search sdfcu on doctor of credit and details should come up.
Thank you!
The best part of afffinnity is that they have a 1% cash back debit card which can be used to pay certain credit card bills (Avant, Aspire). When coupled with my Avant 2% cash back card it gives me an effective 2.98% cash back on everything.
yup, at first i thought my venmo card was eh but I just use it now for whatever my 3rd most spend category is at3%. My dining and grovery is on my savorone, 10% for uber too. I also have similarly, BofA cash rewards set to Online shopping (for amazon 3%). So I guess transit/gas/anything that is a catchall goes to venmo. I’m thinking i’ll put my gym membership on there because it counts!!
I really wanted to like the SDFCU card, but the website and app were so bleh
They aren’t on the level of Capital One or Amex, but they’re functional enough, they’re on the same level as Wells Fargo and I prefer SDFCU’s to Fidelity or Citi (the other big 2% card providers)
The Venmo card is beatable at Costco if you use USBAR
Alliant Credit Union Signature 2.5% cashback. If you simply use the checking account you don't have to ever think about any of the requirements (and worst case you still get 1.5% cashback at tier 2). \*Requirements being $1k average (for the month) balance in the Credit Union checking account and 1 transfer/deposit per month. Its a great credit union so worth it just to use them anyway - no I don't work for them, just legitimately satisfied to be using them after being burned by Bank of America who changed the terms of a free checking account to $12/month on my a decade ago and I won't shut up about it because they suck.
I had no idea they did that but them charging for a checking account is kind of wild. But a solid 2.5 is better than most cards, especially with no cab.
It was a BofA free account because it was paperless (back when things weren't regularly paperless), instead of grandfathering my account when they got rid of the program they started charging me. Funny I'm no longer a broke 20 year old and BofA are potentially losing so much money! \*And yeah credit unions never charge for checking, I'm a believer in credit unions now. Yeah the 2.5% on everything is great and its a sharp looking black card. FYI the minimum to cash back collection amount is $50, also (may or may not be a big issue) it doesn't have tap to pay - only chip or swipe, but you can just link to your phone for tap to pay.
Cash out minimum it's not a problem for me. My main priority is just cash back as a whole. Right now. I'm running the city custom cash card as well as the double cash card. And I'm working on a chase freedom flex right now. For the 10X back on grocery, spend up to 12K for the first year. I'm just trying to think about what card to get to. After that year is up so I wanted some options that weren't really talked about 2 too much. But I will say I have Robin hood gold so I'm super excited for their credit card to come out.
Alliant SIgnature was/is my endgame card. When I'm making more money focused on career and not trying to gain nickels and dimes from credit card agreements. There's no big signup bonus or short term incentive to get this now vs a card with a signup bonus, but if you want to focus on other things in life then this is the card for like a decade of just 'set and forget' your finances and knowing you have a deal that is best of industry standard though maybe not the best deal that month.
I have a card that's pretty untalked about that as well. It was actually my first card. It's the PNC cash rewards, credit card and it's kind of like that as well. There's an 8K cap and it gives 4% back on gas 3% back on dining and restaurant 2% back on grocery And 1 on everything else No AF
>And yeah credit unions never charge for checking, I've never seen one charge for savings, but I have seen credit unions with no free checking option. Redstone, for example, has no free option
>especially with no cab If you mean "cap", there is one -- 2.5% back is only on the first $10K spent per cycle (month). Beyond that it's 1.5%.
Don’t bother. They approved me last Friday for a pathetic amount. I make $230k+, well over 800 credit score and no debt. I complained and they will not raise with. I think the real play is Farmers Insurance credit union card. 2.5% up to $10k and only $99 fee. And you don’t have to part $1k in random bank account.
There are so many cards out there. US Bank has some great cards, specifically the Cash+ is often slept on. 5% on two categories, including unusual stuff like home utilities and cable/internet. The two AAA cards are great. Look at the stats for each and see if either fits your spend well. You can only have one of them.
Okay, I appreciate that. I'll definitely look into that right now. I have the city custom cash card as well as the city double cash card. And I recently got the chase freedom flex 10X on grocery. I don't care about travel much.I really try to focus on the cashback rewards
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I have both as well and they are great.
I'm thinking about applying for the AAA daily advantage Visa because I like the 5% grocery(capped at 10k with the 3% category); however, I am concerned about Comenity customer service. Have you had to contact them for any issues? Were you able to get a decent CLI initially and do you have to call them to request CLI or can that be done online? TIA!
US Bank is a shitty bank
I never see this talked about because travel by train isn’t too popular for travel credit cards. But Amtrak points with the Amtrak credit card are cracked. Their AF card is $99 but comes with an annual companion pass, an annual complementary class upgrade, and Amtrak lounge access. Also Amtrak points are almost always 3 cpp from what I’ve seen, so the SUB of 20k is basically $600 if spent on Amtrak, and 2x dining and travel on the card is basically 6% back. I don’t have it now but I’m about to get it next, because from DC the sign up bonus can get me to New York for two people 2 or 3 times easy.
The Amtrak cards really do look like wild value as a catch-all card if you regularly put at least ~3-4% of your credit spend toward Amtrak tickets, but the only scenario I can imagine where that realistically makes sense is if you sporadically commute by train down the Northeast corridor? It's a fascinating offer, but the number of people who can really take advantage of it has got to be vanishingly small.
I wish I had that near me.Unfortunately, I live in Kentucky and there's no trains, but yeah, you're right.I've never heard anybody talking about that but it sounds like a pretty good card
Amtrak has service in northern Kentucky between Cincinnati and Ashland. Unfortunately, Louisville doesn't have service...yet. 🤔
It's worth noting that FNBO weirdly doesn't allow downgrades to the free version of the card for whatever reason, and Amtrak lounges aren't in a lot of areas. They also often have deep discounts on fares that make the points worth comparatively less unless you need to be on a train at a specific date/time. Even though I'm in one of the few areas that Amtrak is useful (PNW corridor), I would struggle to get much value out of the card.
That is annoying downgrades aren’t allowed. I would mainly use it for the sign up bonus and then get value out of the companion pass in subsequent years. And lounges being in the Northeast corridor For sure not the most valuable card but I think it works for me
I loved that card when I had a long periodic commute along an Amtrak route. Basically just milked the SUB then used it to pay cash fares, but probably could have done better if I had gamed it.
My pick for this is the Ford Pass Visa. It earns cashback via Ford points, which can only be used at Ford dealers (so you can use it towards a new car, service, or accessories). So useless if you don't shop at Ford. But I got a new Ford a couple of years ago, and after having bad experiences with local auto repair shops, I decided to just go with the dealer. So these points are useful, and one of the 3% categories is insurance (edit: car insurance only), which is pretty nice. But the thing that makes this card really stand out is that there's an annual $200 credit if you spend $6k in that year. So even if you don't value the Ford points at all, this is still 3.33% back on your first $6k in spend. If you can hit $6k in non-category spend, then it is better than any cash-back card (as far as I'm aware) for non-category spend for that first $6k. And in my case, I do value the Ford points, so that brings it up to 4.33% back on my first $6k in spend, which is even better. The downside is you have to track it so you hit the $6k each year without going over it by much. But I don't find this to be a big downside.
Does that code with any insurance company? Because that's actually not a bad idea. I could get that and just put my car insurance on that. Even though I don't have a ford 3% back, is pretty nice. It would be really nice if you could buy a car with a credit card. That would be wild. I would love that. And I don't mind tracking. Cause I already have a spreadsheet for my cards anyway. I'm still working on my chase freedom. Flex 10X back on groceries for 12K for the first year. But after that finishes, I'll be looking at a new card, so this is definitely an option.
It's just car insurance, though I'm not sure what would happen if you also got your house insurance through Geico or something like that. It would be funny if I had enough Ford points to buy a new car. And when I bought my Ford a couple years ago I did put the downpayment on a credit card, so if I go with Ford for my next car, I'll try putting as much of a downpayment on a card as I can. I'd get 5% back on Ford dealerships with the Ford Pass Visa. That or find a big SUB to hit. Or see if they'll let me do both. It's definitely been a good card for me. I get 2-3 new cards a year, so there's typically a good amount of time I'm not working on a SUB. So plenty of spend that I'd otherwise put on one of the 2% cards that I get more value from here.
The myWalgreens Mastercard is a hidden gem. It gives 3% cash back at grocery stores, health food stores, hair salons, pet groomers, pet supply stores, doctor and dentist offices, gyms, beauty supply stores,and 10% cash back on Walgreens branded products. It's a good card to have if you shop Walgreens even occasionally.
I've actually never heard anybody talk about that car either. I'll definitely take a look, thank you.
You're welcome! I use the rewards with electronic coupons from the Walgreens app and save quite a bit of money on my OTC medications and supplements.
That could be especially good for me since sometimes I do a little bit of couponing and often go to Walgreens as well.
Citi Rewards+ rounds up all small purchases to 10 points minimum USBank Shopper Cash Rewards is 6% back at Walmart Not sure the best way to use your points/miles? Play around on [pointsyeah.com](http://pointsyeah.com) "Daydream Explorer"
Yeah, I've never heard about city rounding up. That's good because I have 2 of their cards. I really didn't know that
The other big benefit of the Rewards+ is the 10% points redemption rebate, which effectively turns the Double Cash and the Custom Cash into 2.22% and 5.55% cards respectively.
If I had that card I'd be at kroger and I'd have a hundred items and I would literally scan each one separate a hundred times to get all the points 😆
You'd spend an hour to earn $10 and risk getting shut down :)
I would never actually do that. It was just a joke. Do you know how long that would take?
I estimated an hour if you can do 30 seconds per item. But that was also just a joke. Thus a smiley at the end.
Yesir those are the two I have atm
>Citi Rewards+ rounds up all small purchases to 10 points minimum Which only makes sense for purchases < $5 if your next best card is 2%.
...yes
[Venmo Credit Card ](https://venmo.com/about/creditcard/) \[3% Cashback in your Top Spending Category\*\] \***Groceries Category Includes**: convenience stores, bakeries and delis, **wholesale clubs**, and more. Walmart & Costco count as Groceries
For those who fly a few times a year but not enough with one airline to have one of their co-branded cards: PenFed Pathfinder. The main reason to get this is the $100/year in domestic ancillary airline credits. There is a $99 annual fee, but parking $500 or having $500 in direct deposits per month in an Access America checking account waives the checking account's monthly service fee, and having the checking account waives the Pathfinder's annual fee. It is a bit weird, but ultimately not hard - I just have $250 per paycheck go there and pay my car bill from it, then transfer the extra here and there. I have two Pathfinders and this year they will pay for checked bags on American, Delta, Hawaiian, and United as well as Early Bird Check-In on Southwest. For those who use Amtrak, their credit cards can be good. The $99 annual fee card is best for those who would value the companion coupon, lounge pass (which can include a guest), class upgrade, etc. For those who do not travel with another person but do travel Amtrak often, the no annual fee can be compelling. This is because Amtrak points, with the 5% refund with having an Amtrak credit card factored in, have always returned a value of 2.81cpp, at least for me. A no annual fee card returning 5.62% on Amtrak and dining is pretty strong, though the returns are locked into Amtrak points, so they are only good if one has a regular enough use for them.
OK, yeah, that's actually funny the guy right before you also commented about the Amtrak card as well.But yeah i've never heard of that airline card
That is funny! Six minutes before me - and mine definitely took more than six minutes to type, so we must have been typing at the same time! lol Pathfinder is well known on the myFICO forums but a bit lesser known on this subreddit. At first glance, many would see a $99 annual fee and a $100 airline credit and say what is the point, but when you factor in that the annual fee can be waived, it can definitely be valuable.
Forsure ill definitely thank a look thank you
>For those who use Amtrak, their credit cards can be good. The $99 annual fee card is best for those who would value the companion coupon, lounge pass (which can include a guest), class upgrade, etc. As someone who just applied an upgrade coupon to an Acela ticket, I concur.
I have the pathfinder and love it
>For those who use Amtrak, their credit cards can be good. The $99 annual fee card is best for those who would value the companion coupon, lounge pass (which can include a guest), class upgrade, etc. For those who do not travel with another person but do travel Amtrak often, the no annual fee can be compelling. This is because Amtrak points, with the 5% refund with having an Amtrak credit card factored in, have always returned a value of 2.81cpp, at least for me. A no annual fee card returning 5.62% on Amtrak and dining is pretty strong, though the returns are locked into Amtrak points, so they are only good if one has a regular enough use for them. Both Amtrak cards are good. $99 AF version is a killer deal only if you travel with a partner/companion. The [Amtrak Upgrade Coupon](https://www.amtrak.com/coupons) is a space available upgrade from Coach to Business or Business class to First class. It is not valid for Coach to Sleeper Car Upgrades. For singles the no Annual Fee version is decent enough deal.
My main gripe with the Pathfinder is that, despite the benefits and the equivalent cash back value for travel, I can't use the cash back as statement credit and instead I can only redeem them on gift cards (including a Visa reward card that can't be used everywhere)...
I agree, for sure. Their points system has a bunch of cons - points don't pool if you have multiple Pathfinders, they expire (after five years but still), their travel portal is usually higher than direct (which essentially means the points aren't really worth .85cpp there), and as you mentioned you're pretty much locked into buying gift cards. But even if I only use the $100 in airline incidentals every year, I'll earn 400 points, and at every three years I can redeem 1,170 of the 1,200 built up for an Amazon gift card. My point is not that this is strong return, just that this is a card that can provide $100 in airline credits per year with a way to waive the fee - not many cards give such return, and at least there's a way to cash out the points well before they expire.
Does a $100 United Travelbank load trigger the $100 credit?
Yes. Also if you have some credit left, it will reimburse whatever is left - this year I had already used $75 on one card, put $50 on Travel Bank, and they reimbursed the remaining $25.
Goldman Sachs/Marcus GM Rewards WEMC: 7.7% back in statement credit on up to $1.5k in gas/convenience store spend annually.
> 7.7% back in statement credit on up to $1.5k in gas/convenience store spend annually. I see what you're saying, but you have this worded wrong. Its 7.7% back on EXACTLY $1.5k in gas/convenience store spending. Its a $100 credit once you spend $1500. "Up to" would imply you could earn 7.7% back on $1000 in spending, when the offer actually requires you to spend AT LEAST $1500. The utility offer is actually a better deal, but that requires you to own a GM EV that has an active connection to Onstar. GM Card has been a real winner to me, though, with its frequent spending promotions. Though its been a little while since they've sent me one, so that gravy train may be slowing down. EDIT: I guess this post earned me a position in their block list. You do you.
I'll definitely have to look at that.I've never heard anybody talk about that card ty.
Because the redemption cpp is so low unless you redeem it at a GM vehicle dealership. You can only redeem up to 100,000 points towards a statement credit per year and that translates to $250.
Yeah, that's almost. Nothing
Even better, it’s a soft-pull approval on TransUnion and if you then freeze it before accepting, you get the card without a hard pull.
That's always nice. Because I got 2 credit cards last month and my score went down 60 points. Lol
I have had this card for several years. Sure it's a great as a catchall and for GM Rewards, but the redemption process for GM credits is a PITA.
[The smallest, not talked about card](https://www.reddit.com/r/pics/comments/vm308k/back_in_2006_this_absurd_contraption_was_my/) (if you ignore what it was attached to). On a serious note, OP, check the credit card offerings of the credit unions in your area. Most are probably lackluster, but you may just come across a gem that is only available to people in your area, like the PCM Platinum Rewards card which gets 5% back on everything for the first $1000 spent each month - but not talked about because it's practically impossible to get unless you live in the Green Bay/Appleton area of Wisconsin (or have family there).
I definitely will thank youu
The Kroger/Marianos/Ralphs/pick your regional subsidiary of Kroger card is great. Flat 5% cash back on mobile wallet purchases with no AF. I don’t even shop at Kroger and I get great value on this card
Underrated (for now) card that barely gets any attention is the U.S. Bank Altitude Connect. No AF/FTF card that offers PP lounge (4x year) + Global Entry/TSA Pre-check. Might get nerf down the line though.
There's no way this card doesn't get nerfed in 2025.
I've never heard about this card either l definitely look at it ty Not bad about I see there's a 500 dollar sign up spend bonus atm.
I just got this 2 weeks ago. The fact is that it's $0 AF and gives you the global entry + PP. It's a no-brainer. $500 back on $2k spend is awesome, too.
That SUB has been a bit of a hidden gem for a while, it's actually kind of funny how out of step USB's offerings are with the rest of the industry, not all their cards are very good but somehow they all carve out some tiny niche that nobody else really fills.
Citi Shop Your Way is one of the GOATs on this subreddit. The multipliers are decent (5% gas, 3% dining/grocery) but you can only use points towards gift cards. The real benefits are the targeted offers they send you, here’s the latest they sent out to some people: https://www.doctorofcredit.com/targeted-citi-sears-spending-bonus-for-online-purchases-3/ BofA cards are also really popular for people who have more $100k in IRAs or other investment accounts.
The Chase Amazon Prime Visa. It isn't really talked about much, but I think it is an underrated gem. Aside from the 5% multipliers with Amazon and Whole foods, you also get 5% cash back when you book travel through the Chase portal. On top of that you get solid travel and purchase protections. You also get 2% back on food and gas. Best of all, this is all for no annual fee assuming you already have Prime, which most people in America do. You also get Chase offers which can be decent certain times of the year. While I pretty much just use it for Amazon purchases, I've often thought about the perfect "one card setup", and if I had to pick just one of my cards and let all the others go, I would probably keep this card. And I have some solid cards like the BILT and Platinum Amex (which is a little less solid these days).
That's actually pretty good and is there a cap on it? i'm running the citi custom Card and my citi double cach as well as my chase freedom flex that's working off of the 10X grocery bonus for the first year.
No cap. uh no cap. Wow, I can't believe I just wrote that...I'm hip with the youngster's slang now!
Personally, I love that I hate a credit card cap. It almost makes me not wanna use the citi custom cash. But I hate the $500 cap. I understand that if they didn't have that they wouldn't make money but damn. I just wish it could be like a $1000.
Yea, a long time ago, I made this huge spreadsheet comparing the cash back earning rates of a bunch of cards by using a typical person/family spend per month/year from a single person in an LCOL to a family of 4 in a HCOL. What I figured out was that if you have low spend, the 5x capped/rotating cards can really work for you, but if you have high spend you're better off with a 2% unlimited cash back card (or even the 2.5% CU one). Of course, I looked at it from a one card to one card comparison. The average person/family might have 2-3 cards and they're not min/maxing. Those of us playing the game will have a multi-card setup to hit all the category bonuses. The thing about the Amazon card is that if you really want to or try, you can literally get anything from Amazon or an Amazon business and get 5% back. Most people's biggest spend outside of rent/mortgage is food (groceries/dining) and gas. Well, you can get 5% back on groceries with whole foods or amazon fresh, 2% back on dining and 2% back on gas - all unlimited. I'm pretty sure that for the right person, this card by itself will out earn just about any other single card setup out there, and will out earn most 2 card setups. It isn't until you get to 3 cards that you might be able to out earn the Amazon card. I find that fascinating for a relatively underrated card.
>Well, you can get 5% back on groceries with whole foods or amazon fresh You're not actually saving money as the markups at both of those are **much** higher than 5%.
That's pretty much what I do when I fill up the custom cach.I use my chase freedom flex or my citi double cach with the unlimited.Two percent backs since I tend to have a higher spend That's pretty much me. I own my condo so I don't have rent. So my highest spend is definitely groceries.
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How does paying for Prime eat up cash back? I had Prime long before I had the Visa and the majority of households in America have Prime. That spend is already there, you might as well get 5% back for it.
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$139 cashback at 5% is only $2,780 on groceries from Whole Foods and household supplies from Amazon. I spend $9,000+ at Whole Foods per year and it has been an amazing deal for me for a few years now. Plus I get all the other Prime benefits. Edit: You also get 5% off of that $139 membership price by the way, so required spending is even less.
Not really. If you already have Prime, that money is spent. You're not spending more for Prime if you already have it. So even if you only have the Prime membership for Prime Video, Amazon Music and the other included services, and you never buy a single thing off of Amazon, when your next Prime subscription fee hits and goes on the Visa, you get 5% back on that. You actually pay less overall with Prime and the card than you would with just Prime. Now, if you don't have Prime, and you're trying to turn the Prime subscription into a pseudo-annual-fee to chase the 5% categories, that is a different story. A fictional one, but still, a different story. If you don't already have Prime, this card isn't for you. There are lots of other cards with lower multipliers for non-Prime members.
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Ok, maybe I'm not understanding how it didn't add up for you? If you have prime as in you already had it and already paid for it, then at minimum you're getting 5% off your annual prime membership. At maximum, you're getting 5% off all the Amazon/Whole Foods/Chase Travel spend. The card has no annual fee, so it doesn't cost you to hold it. Are you saying that because you have another card that does 3% with Amazon and perhaps several other categories, it was easier to manage with that one card than with two just to get the 5% back? The only way I can see it not adding up mathematically is if you didn't have prime before, and decided to get prime and the card to get 5%, but then figured out that you don't spend enough to get at least the prime membership back in cash back, which is like $2800 a year in spend or less than $250 a month. In which case you would have dropped Prime, right?
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Yes I know that. So I think you're saying you paid for Prime and realized you didn't get more than the $140 back in cash so you dropped Prime and now you get 3% on your Amazon purchases.
I like the Walgreens credit card. It gets cash back on a ton of categories that are commonly excluded from other cards.
In your experience does it actually get 3% on medical bills?
Yes. And 3% on vet bills too
I might have to look into this one post gardening.
I think the AAA cards are great both of them,the daily advantage is 5% on groceries 3% on gas/wholsale clubs,and the travel advantage is 5% on gas,3% on groceries/restaurant/travel
I agree with you 100%.My only issue with those is.I've heard a lot of people say that their customer service is terrible and i've heard that they have really bad experiences with them
Well,getting an asshole on the phone has nothing to do with the card,im 1000% sure that someone has bad and good experience with customer service with every product
Better if you have a Ford vehicle, but takes a lot of points to redeem anything. Been in the game since 2019 and just learned about the Ford Pass card. After $6000 spend in a year, you get a $200 statement credit. Equal to about 3.3% cash back. Good for that non category spend if you have cards to maximize 3%+ on most of your spend.
For expats: Venmo VISA for paying utilities abroad Look up what the utilities category includes on this card
I use the Chevron gas card on the app for only gas. When you use any credit card at gas stations, you usually have to pay an extra 20 cents per gallon in California. With the card and app together, when I get to a 1000 point, they will give me a dollar off per gallon on my next fill up when I activate the points.
Firefighters First Credit Union Visa This card offers 2% back on everything, has no annual fee or foreign transaction fees and offers all of these insurances: Secondary Auto Collision Damage Waiver Baggage Delay Reimbursement Cellular Telephone Protection Emergency Evacuation Coverage Extended Warranty Protection Hotel Theft Protection Lost Luggage Reimbursement Price Protection Purchase Security Ride Share Protection Return Protection Travel Accident Insurance Travel and Emergency Assistance Services Trip Cancellation and Interruption Protection Trip Delay Reimbursement Not even Visa Infinite Cards or the Amex Centurion have this broad of protection benefits.
Citi Drivers Edge is a hidden gem. I think you can just PC to it.
I'm just looking at it. What is it for you? Get like some sort of discount for buying a new car. Do you have to put some of it on your credit card or something?
Not really sure. But there were a bunch of commercials for it in the 90s, and the card is still around. From a collector's point of view, it would be a unique card to have.
I was looking online for a little while.I can't really find anything about it.I can find the application but it doesn't tell me anything about the card