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@webhopper wrote:
@flowfaster. What are your high spend catagories? Where do you shop?
See that's the thing I have all my major categories covered I think.
Grocery=BCP
Gas=Freedom/Discover/BCP
Restaurant=Cash+/Discover/Freedom
everything else=BoA TR 1.5/Cap one 1.5 cash rewards
No FTF/chip=BoA TR
Bill pay=CASH+
So I really don't think an Amex would help me in that respect. I would just get it for the Sync deals, sign up bonus and to calm the itch. lol, first world problems I guess.
@flowfaster wrote:
@webhopper wrote:
@flowfaster. What are your high spend catagories? Where do you shop?See that's the thing I have all my major categories covered I think.
Grocery=BCP
Gas=Freedom/Discover/BCP
Restaurant=Cash+/Discover/Freedom
everything else=BoA TR 1.5/Cap one 1.5 cash rewards
No FTF/chip=BoA TR
Bill pay=CASH+
So I really don't think an Amex would help me in that respect. I would just get it for the Sync deals, sign up bonus and to calm the itch. lol, first world problems I guess.
Apologies for butting in, but I'm also in a situation where most of my categories are covered.
Do you spend very much time in hotels? I'm looking at the AMEX Hilton HHonors. There is no AF, and it gives bonuses for Hilton stays, groceries (when you reach $6,000 on the BCP), drugstores (which I like), gas (when you reach your cap on other cards), and phone bills. There is also the SPG if you think you can make up the annual fee.
Also, if you got a devoted restaurant card (Citi Forward, CSP (bonuses for already having Freedom), etc.), you could switch that Cash+ category to something else (assuming you would use one of the other categories).
I'm definitely of the mindset that if you are in a position to apply for things and have the desire, you might as well do so responsibly. Happy apping!
Hey Thanks for your reply both of you! Member since date is only Jan 2012.
Unfortunately I do not travel that much(family of 4+young kids) . We travel maybe twice a year and only stay in a hotel about once a year. We usually just stay with family. But I if can earn reward hotel points I would definitely use hotels more. I just was always looking for cash back. I will have to look into if a hotel card would work for me. I am going to Mexico for two weeks in May but again, I am staying at a family members time share for free. Yes, I know I am cheap.
So what do you suggest for a cheap/no AF hotel Amex card that I start looking at to get out of the house more? lol Also if I get the citi Forward card I could switch the Cash+ to hotel or airfair.
@flowfaster wrote:Hey Thanks for your reply both of you! Member since date is only Jan 2012.
Unfortunately I do not travel that much(family of 4+young kids) . We travel maybe twice a year and only stay in a hotel about once a year. We usually just stay with family. But I if can earn reward hotel points I would definitely use hotels more. I just was always looking for cash back. I will have to look into if a hotel card would work for me. I am going to Mexico for two weeks in May but again, I am staying at a family members time share for free. Yes, I know I am cheap.
So what do you suggest for a cheap/no AF hotel Amex card that I start looking at to get out of the house more? lol Also if I get the citi Forward card I could switch the Cash+ to hotel or airfair.
For cards issued by AMEX, it looks like you have a few options:
No AF
AF
There are also various sign-up bonuses I didn't mention. If you don't travel too often and want no AF, I would recommend either the Costco TE or the HHonors. The TE is good if you already have a Costco membership, would use the Costco reward cash (probably not usable at other places), and want the freedom to book anywhere. The Hilton is good if you want extra points on everyday purchases and know you will stay at (usually more expensive, higher quality) Hilton brand hotels.
even though i wasnt really gardening,
auto cli from freedom 500 to 1k, today
same day my 5k card reported.
i think this is a good chance ill get my cli next time i ask them after a year with the card. as long as everything stays copasetic lol
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |
Hi everyone,
The Zen Gardener is back! Was out of the garden for a long time, but always for good reasons -- refinanced home mortgage from 4.5 down to 3.1%, got CLI from Chase. Life is good, and am ready to get back to the garden. May try Capital One Venture at some point, but not before next fall.
Happy gardening, everyone!
Its so easy to stay in the garden when you keep your mind off of it! Had 2 personal goals this week. All time bowling score high of 197... And ran my first 5k today with a time of 34:49. Not too bad without any real training!