For Those of You Interested in a 2% Card...

All about maximizing your rewards!
Members share tips and tricks for getting the most miles, & points.
37 posts
Sevenfeet
Centurion Member
Centurion Member
 
Posts: 532
Joined: Thu Jan 17, 2013 7:20 pm
Location: United States

Postby Sevenfeet » Thu Feb 07, 2013 3:10 pm

DavidNY wrote:Same company/customer service.


Yeah, I just figured that out. When I went to link cash rewards to my savings account, I got transferred to the FIA hosted website, and man did it suck compared to the regular BofA site. I just hope this all works smoothly.
Cards:
American Express Platinum (NPSL)
Penfed Platinum Reward Visa ($28K)
Chase Freedom Visa ($25K)
Fidelity American Express ($20K)
American Express Blue Cash Preferred ($20K)
Bank of America Cash Rewards MasterCard ($20K)
Citi Thank You Preferred Visa ($9.5K)
Chase Sapphire Preferred ($7.5K)
US Bank Cash + Visa Signature ($7K)
Discover IT ($4K)


Frank512
Green Member
Green Member
 
Posts: 20
Joined: Fri Feb 01, 2013 8:58 pm
Location: Toms River, NJ

Postby Frank512 » Thu Feb 07, 2013 8:57 pm

Bksuper wrote:You can register those gift cards online, to have a name on card in the visa/mc/amex database. They're usable anywhere that payment network is accepted, except unlike a bank account you're loading a fixed $500 in advance (to get 4% off face value after cash back and the $6 fee) and your purchases may not add up to exactly that or may cost more than that, necessitating split payments, which not all merchants do. They are less liquid. You have to be able to have the money on hand to prepay $500 increments of purchases no matter how long it takes to spend it...and not earn a penny of interest. Your money is more spread out, which makes it more of a hassle to manage. Few stores carry the $500 denomination ones and you have to find one whose merchant code matches your 5%+ category for the chosen rewards credit card you buy it with. Even if such a store is around your area, you still have to plan ahead when making the purchases, to make sure you've always got sufficient balance paid for and on you.


Didn't realize that about the gift cards. I really only have the Chase Freedom with the Drugstore category for the 5% to even get them with. I suppose I do have the cash to pay the CC I use to buy them, but not sure all of this effort is for me either. I'll have to think it over. I may keep one for non gas/grocery spending but I don't think I'll end up going this route for bills.
Amex Blue Cash Everyday - $12,000
Capital One Quicksilver - $10,000
Discover IT - $7,500
Chase Freedom - $6,900
Chase Amazon - $5,000
Sallie Mae - $5,000
Barclay NFL - $3,000
Sears - $2,001
Kohl's - $900

FICO - 817 (10/2016)

DavidNY
Centurion Member
Centurion Member
 
Posts: 1332
Joined: Tue Jul 05, 2011 12:28 pm
Location: New York

Postby DavidNY » Fri Feb 08, 2013 10:13 am

Sevenfeet wrote:I got transferred to the FIA hosted website, and man did it suck compared to the regular BofA site.
It's not as pretty, but the data is the same and most of the time I use Mint anyway.

FutureBillionaire
Centurion Member
Centurion Member
 
Posts: 1590
Joined: Sun Jun 19, 2011 2:37 pm
Location: Down South

Postby FutureBillionaire » Fri Feb 08, 2013 10:26 am

DavidNY wrote:It's not as pretty, but the data is the same and most of the time I use Mint anyway.


I'm a big fan of Mint. I used it all the time.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

Bksuper
Centurion Member
Centurion Member
 
Posts: 257
Joined: Sun Oct 14, 2012 10:22 pm
Location: California

Postby Bksuper » Fri Feb 08, 2013 10:32 am

Don't use Mint, because I don't feel like trusting banking passwords to every account I have, even to a "reputable website"; if its hacked they have everything!
Sole Ownership Cards:
1st Financial Bank Platinum Student Visa, $500 CL, Open Since 3/2012
Citi Forward Student Visa, $6k CL, Open Since 10/2012
Costco TrueEarnings Amex, $6k CL, Backdates to 1/2012
SallieMae Rewards Barclay Mastercard, $2.5k CL, Open Since 4/2013
Jointly Owned Cards (co-owner with mom, not AU, used and paid only by me):
Chase Amazon Rewards Visa Signature, $2k CL, Open Since 8/2012
US Bank Cash+ Visa Signature, $13.5k CL, Open Since 10/2012
Authorized User (Parents Pay/Use)
Costco TrueEarnings Amex $29.4k CL, AU since 11/2012

FutureBillionaire
Centurion Member
Centurion Member
 
Posts: 1590
Joined: Sun Jun 19, 2011 2:37 pm
Location: Down South

Postby FutureBillionaire » Fri Feb 08, 2013 11:14 am

Bksuper wrote:Don't use Mint, because I don't feel like trusting banking passwords to every account I have, even to a "reputable website"; if its hacked they have everything!


If a hacker wants my info, they can get it. If government websites can be hacked, they can hack my little bank account.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

nishant
Centurion Member
Centurion Member
 
Posts: 120
Joined: Wed Dec 19, 2012 10:07 am
Location: Chicago

Postby nishant » Fri Feb 08, 2013 8:28 pm

Yodlee Moneycenter is superior to mint.com for tracking expenses not only from bank accounts but bill reminders for insurance, utilities etc



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