CarefulBuilder14 wrote:The BofA card is interesting - it's kind of like it offsets an annual fee on something else.
I'll look into it, but it would still be another account to monitor. If I had to use the card every month to get the bonus, I don't think it would be worth the hassle. But if periods of inactivity are okay, then an extra $120/yr would be welcome.
I plan on using it for some small recurring payments and then setting it up so that I make an automatic payment greater than the minimum payment so I get the $25 + $5 for having a checking account with them. In effect, BoA will be paying for me to use the card (the recurring payments in question are less than $10/month). My financial life with BoA is actually pretty limited- I have a fee free checking account with them (the type of account is no longer offered and I was grandfathered in), but very seldom use it. I just keep it open in case I ever move somewhere with a BoA footprint.
As for Delta, they impressed me this past week. I traveled to Texas for business and on the way back my first plane was delayed 45 minutes (due to weather at the previous airport the plane was at). The time between when the plane landed at MSP and my second plane left was less than 5 minutes. I barely made it to the second flight(no thanks to MSP airport for being the biggest clusterf___ at the gates) and resigned myself to having to call Delta the next the day to arrange getting my checked bag. Upon landing, I decided to check to see if my bag made it with me to Fargo and was surprised it did. Oh, and they bumped me up to first class on both flights, too... so I think I might have to fly Delta when I can now (which makes sense where I am anyway). Plus the fact that I have another backdated Amex more than offsets the inquiry.
In my Wallet:
Sometimes in my Wallet:
- Amex PRG NPSL[3-14, bd 91]
- Sallie Mae MC $8000[1-14]
- Chase Freedom $4700[1-14]
- Discover It $2750[8-13]
- BoA UCF Alumni Cash Rewards $5000 [3-15]
- GM BuyPower WEMC $5000[9-14]
- Wells Fargo Propel 365 Amex $7000[4-14]
- Barclaycard Arrival WEMC $7000[3-14]
- BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450