Opened a usaa checking fit $400 back with two 250 deposits too.
So I should be getting 1100 in the next month for opening accounts.
So I should be getting 1100 in the next month for opening accounts.
Best Credit Card with Cash Back Rewards
- Thread starter Hatorade
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My card is pretty vanilla...
1.75% cashback
Sounds like I need to do some shopping around. High 700s credit score.
1.75% cashback
Sounds like I need to do some shopping around. High 700s credit score.
Rangoth
Blackwing Lair Raider
- 1,781
- 1,895
Citicard prestige is nice and generic for travel, but comes with some "American/One World" offers
AladainAF
Best Rabbit
- 12,939
- 31,078
I am still using the old Amex blue. It still seems to be the best bang for the buck for me. First $6,500 is 1% cash back at grocery/drug stores/gas, 0.5% everywhere else. After that, its 5% cash back at grocery/drug stores/gas, and 1% everywhere else. No annual fee. I've been thinking of the other Amex blue card because me and the wife spend about $50,000 a year on the amex and end up with about 1,200$ a year in cash back. But the annual fee of the newer cards don't seem to make it as good a deal, even with my spending.
The citi prestige is also a good card, but admittedly I do not know as much about it, other than it too is a great card and also has a $450 annual fee. I do know it only allows entry to the AA admirals club and not others. However, you earn tons of points with it and IIRC it also has a 1:1 conversion ratio to 11 airlines.
American Express Platinum. Yes it's $450 annual fee, but the rewards are insane for the traveler (For example: Instant gold status for hilton hhonors, included complimentary entry into the admirals club/etc type deal for many airlines, not just one. That alone costs $400 a year for American Airlines Admiral Club for a 1 year membership. Free TSA Pre-check, $200 credit from incidentals like bag fees on a specific airline of your choice, etc). Plus, its a 1:1 conversion on points on the card to miles of airlines or hotels. Can read more here:In-Depth 2015 American Express Platinum Card Benefits ReviewSoriak_sl said:
The citi prestige is also a good card, but admittedly I do not know as much about it, other than it too is a great card and also has a $450 annual fee. I do know it only allows entry to the AA admirals club and not others. However, you earn tons of points with it and IIRC it also has a 1:1 conversion ratio to 11 airlines.
I'm pretty pissed at the citi premier for giving me a $4200 credit limit. I haven't spoken with anyone but my automated request for increase got denied. May just take my $500 bonus and move on after that.
Palum
what Suineg set it to
- 27,204
- 42,920
Also they're running 10% cash back on Amazon for the first 1500 from now until right before xmas. That's honestly insane.
Palum
what Suineg set it to
- 27,204
- 42,920
OK, so I've had a BoA card for about a decade now. Really low 'pre-ban' rate but I didn't use it all that much because there were no rewards. Now I just got an offer to upgrade it to a 'travel rewards' card. It says all T&C carry over including APR, special offers (I have 0% 18 mo w/ 3% fee balance transfers on this always so its nice because I could basically buy a new car at nominally 2% APR as cash if I needed to I guess). The only thing is that it is upgrading from fixed line to a hybrid NPSL account.
My understanding is that theoretically if I were to go buy something for my existing revolving limit + 2K, I would have to pay min + 2K? So it's like a credit card with an AMEX account on top?
I've lamented this card has such low rates and good offers but no rewards on it but I've come to expect every change from a bank is a negative one so I just want a second opinion. Still not sure I'd use the card but points are better than nothing for when it comes up.
My understanding is that theoretically if I were to go buy something for my existing revolving limit + 2K, I would have to pay min + 2K? So it's like a credit card with an AMEX account on top?
I've lamented this card has such low rates and good offers but no rewards on it but I've come to expect every change from a bank is a negative one so I just want a second opinion. Still not sure I'd use the card but points are better than nothing for when it comes up.
Vinen
God is dead
- 2,791
- 497
Chase Sapphire won't shut the fuck up about asking me if I want an increase. Sitting at ~9 grand and I have no cares to increase it... guess I could for when I buy my next car.
Vinen
God is dead
- 2,791
- 497
No idea, I've seen people put $10K down, etc. I figured I could put more but who knows.
Rangoth
Blackwing Lair Raider
- 1,781
- 1,895
Soygen
The Dirty Dozen For the Price of One
- 28,484
- 44,928
It's no hit against your credit and decreases your debt/credit ratio, which is a positive for credit score. May as well just take it. The only people who shouldn't take increases are people who shouldn't have credit cards to begin with.
Cad
scientia potentia est
- 25,736
- 50,345
Usually not because the dealer will eat the transaction fee which could be $1000+ on a $30k payoff for example. If you're willing to eat the transaction fee my guess is they'll let you do whatever you want.
Khane
Got something right about marriage
- 20,518
- 14,246
Not really true. Yes it lowers your utilization if you're not spending more after an increase but if you have an available amount of credit that's approaching your yearly income it can make it very hard to get any new financing on anything at all. It also depends on other things like average age of accounts and such.
It usually doesn't hurt but keep in mind, if you increase limits on existing cards that's all fine and dandy but if you get a great offer on a new card and open it you're going to suddenly be looking at a lower average age of accounts and also a higher amount of available credit, which could affect your credit score more than it would if you had lower limits on your other accounts.
I mean, if there's no reason you need the extra credit why increase it?
Khane
Got something right about marriage
- 20,518
- 14,246
You were able to pay a car in full using a credit card directly at a dealership? Like Cad said I'm surprised they were willing to eat the interchange fee which is usually anywhere from 1.5% to 3%.You can buy a car with a credit card
