What is the best cards that I don't have?

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yfan
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Postby yfan » Wed Mar 11, 2015 1:20 pm

I'll be another one to recommend Discover. My initial limit was pretty good (but for some reason they won't give me a CLI yet). Great customer service, no AF, no FTF, great rotating 5% categories. And their Discover Deals are actually very useful.


MB131174
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Postby MB131174 » Wed Mar 11, 2015 6:32 pm

Vattené wrote:I don't have any sort of relationship with Bank of America (so I can't speak to customer service or anything like that), but I would seriously be looking at their Better Balance Rewards card for myself if I wasn't currently trying to position myself for a mortgage application. You get a $25 statement credit for each quarter you make more-than-minimum payments on time ($30 if you're willing to also open a bank account). I haven't combed through the fine print for any catches, but I do know you have to make charges and have positive balances each billing cycle to get the bonus. Assuming no catches, though, I'd think best-case scenario would be putting as little spending as possible through (e.g. using it exclusively for a netflix subscription) and PIF every month, and get a free $100 per year.


Just doing Netflix won't work. You have to pay MORE than the minimum due. I believe if the statement balance is below either $25 or $35 you have to pay in full.

Too bad that idea won't work because we could all get free Netflix!

I also will be one to say go with Discover. I'm pleased with them 98% of the time.
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luvbullmarkets
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Postby luvbullmarkets » Wed Mar 11, 2015 7:50 pm

Barcalycard Arrival +.

You could actually call once a year and have them waive the A/F. They did for me anyway.
Amex PRG, Amex EveryDay, Amex BCE, Barclaycard Arrival, Cap One Venture One, CSP, Chase Freedom, Discover it, Macy's Star Card, Wells Fargo Propel 365 Amex, Wells Fargo Visa Sig

"Attack this day with a level of enthusiasm unknown to mankind." - Jack Harbaugh

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CarefulBuilder14
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Postby CarefulBuilder14 » Wed Mar 11, 2015 8:08 pm

luvbullmarkets wrote:Barcalycard Arrival +.

You could actually call once a year and have them waive the A/F. They did for me anyway.


How much did you spend on the card to get that? Did one call do the trick?

I was planning on getting Arrival+ soon and downgrading it after a year, keeping it as a semi-sock-drawered Chip+PIN travel card...but a waived AF could make it a pretty nice permanent off-category option.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG, Prestige (retention)
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt
SD with activity alerts, might close: Arrival

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech, BofA Travel PH, Aviator Red

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Vattené
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Postby Vattené » Wed Mar 11, 2015 10:23 pm

MB131174 wrote:Just doing Netflix won't work. You have to pay MORE than the minimum due. I believe if the statement balance is below either $25 or $35 you have to pay in full.

Too bad that idea won't work because we could all get free Netflix!

I also will be one to say go with Discover. I'm pleased with them 98% of the time.


Guess they didn't have to bury some fine-print loophole to get me!

Well...if you have to pay MORE than the minimum payment even when the statement balance is lower than the otherwise default min, I suppose you could just charge more than that and still PIF to be safe. If you charge $30 a month on average and the minimum payment would be $25 you still come out pretty good. You can spend $360 a year on the card and get $100 back. You wouldn't make money off of it in that case, but a 27.8% return on rewards is still unbeatable.
-Vattené
FICO-8:
EX - 827 (4/17) | TU - 812 (4/17)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now



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