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@slap_happy wrote:DC has honestly pushed me to go for the fidelity amex, after alot of thought and reading how not alot of people are too happy with citi and even talk/worry already of it getting nerfed, I have decided to go for the more stable fidelity amex.
I'm having a hard time understanding the appeal of the DC also. I have gotten nothing but a hard time from Citi and FIA Card Services has been great to me. I think I'm going to hold onto my Fidelity AMEX and likely end up PCing Diamond Prefferred to Dividend when my 12 months runs out.
Maybe it's the lower cash out threshold of $25 instead of $50??
@wacdenney wrote:
@slap_happy wrote:DC has honestly pushed me to go for the fidelity amex, after alot of thought and reading how not alot of people are too happy with citi and even talk/worry already of it getting nerfed, I have decided to go for the more stable fidelity amex.
I'm having a hard time understanding the appeal of the DC also. I have gotten nothing but a hard time from Citi and FIA Card Services has been great to me. I think I'm going to hold onto my Fidelity AMEX and likely end up PCing Diamond Prefferred to Dividend when my 12 months runs out.
Maybe it's the lower cash out threshold of $25 instead of $50??
Is the Dividend still available? It would be nice if it was. I was considering it for my next app simply because the 5% categories seemed to be different than Freedom/Discover.
I can't say Citi is my favorite CCC. However, I do like they keep inactive CC's open for a long time. It took 10 years on inactivity before they closed by only Citi card (and that was in 2008). I have heard they keep inactive accounts open for at least 4 years.
@wacdenney wrote:
@slap_happy wrote:DC has honestly pushed me to go for the fidelity amex, after alot of thought and reading how not alot of people are too happy with citi and even talk/worry already of it getting nerfed, I have decided to go for the more stable fidelity amex.
I'm having a hard time understanding the appeal of the DC also. I have gotten nothing but a hard time from Citi and FIA Card Services has been great to me. I think I'm going to hold onto my Fidelity AMEX and likely end up PCing Diamond Prefferred to Dividend when my 12 months runs out.
Maybe it's the lower cash out threshold of $25 instead of $50??
The appeal is both the lower cash out threshold and the greater acceptance vs Amex. Now depending where you live, that's not always an issue, hence why you see posts "Amex is accepted everywhere". Really does vary by location (even in the US) and of course where you shop, Outside the US, Amex is much less accepted, but this is less critical as both cards have a FTF, the DC one way too large. (You can still make money on the Fidelity after FTF, not on the DC)
Re nerfing: remember the Fidelity Amex can also be nerfed. Not for the next 15 months or so (although I guess they can change their minds about that too) but it's certainly not immune. Citi has nerfed a lot of cards, but has also kept several cards more or less unchanged.
So, especially if you can get a sign up bonus, DC can be worth getting. Is the excitement out of all proportion to the potential value? Yes, of course, but this is an internet forum where people practically soil themselves with excitement thinking about metal cards, so what can you expect!
@longtimelurker wrote:
@wacdenney wrote:
@slap_happy wrote:DC has honestly pushed me to go for the fidelity amex, after alot of thought and reading how not alot of people are too happy with citi and even talk/worry already of it getting nerfed, I have decided to go for the more stable fidelity amex.
I'm having a hard time understanding the appeal of the DC also. I have gotten nothing but a hard time from Citi and FIA Card Services has been great to me. I think I'm going to hold onto my Fidelity AMEX and likely end up PCing Diamond Prefferred to Dividend when my 12 months runs out.
Maybe it's the lower cash out threshold of $25 instead of $50??
The appeal is both the lower cash out threshold and the greater acceptance vs Amex. Now depending where you live, that's not always an issue, hence why you see posts "Amex is accepted everywhere". Really does vary by location (even in the US) and of course where you shop, Outside the US, Amex is much less accepted, but this is less critical as both cards have a FTF, the DC one way too large. (You can still make money on the Fidelity after FTF, not on the DC)
Re nerfing: remember the Fidelity Amex can also be nerfed. Not for the next 15 months or so (although I guess they can change their minds about that too) but it's certainly not immune. Citi has nerfed a lot of cards, but has also kept several cards more or less unchanged.
So, especially if you can get a sign up bonus, DC can be worth getting. Is the excitement out of all proportion to the potential value? Yes, of course, but this is an internet forum where people practically soil themselves with excitement thinking about metal cards, so what can you expect!
I LOVE my metal cards!!!
Given my low CL on the DC, it may not change my strategy a whole lot. Since QS1 is playing nice, I've brought them out of the SD:
Costco: Gas, Restaurants
Sony Card: Movies, Restaurants (when AMEX not accepted)
BCE: Groceries, some dept. stores, Costco, and general backup card
QS1: Recurring general charges
DC: All else (except stores where I have a CC)
If Sony Card gives me a big CLI, I may return to them for all restaurants. They give 3X points for restaurants and movies, but the only 1:1 point value with Sony Rewards is for Sony Gift Cards.
@celluloid17 wrote:
If the balance is $25 or less, the minimum payment will essentially be a PIF amount. I would not consider this a Netflix only type card as some had hoped to use it as. Ideally, you want to spend more than $25 a month so that you never have a negative balance after the quarterly credit posts because you to have a balance report each month to qualify. I use it to pay my $60 a month cell phone bill, which I pay off after the statement cuts and before the minimum payment due date. For me, it's the equivalent of saving 15% on my cell phone bill each month, which is better than any other discount offered by other reward cards. The reason I put my cell phone bill on it is that it's currently my smallest monthly bill and because I don't carry the card with me at all times, I don't use it for random purchases so it's easier for me to just have one recurring charge on it that I don't have to think about.
I use it just for Netflix. I pay it off in full and have received the quarterly bonus 4 times now.(next one due in October ) Every month that I receive a quarterly bonus I put $25 of my cell phone bill on the card and the netflix bill then pay the $8 off the next month. The bonus posts after you pay the previous month so as long as you charge >$25 in the month the bonus posts you're fine.
@thelethargicage wrote:Grocery stores: Blue Cash Preferred
Gas: Sallie Mae MC
Travel: TrueEarnings (this card is basically SDd)
Target/Walmart: Sallie Mae MC
Restaurants: Chase AARP
Rotating: Freedom and It
Non-Category: Citi Double Cash
Basically, now I have no use my BofA Cash Rewards card because Double Cash gets me the same rate at grocery stores/Target/Walmart. And Quicksilver is now sidelined permanently (unless I travel out of the country, which is unlikely to say the least).
May I ask why do you use Sallie Mae in Target and Walmart? Are they considered groceries by SM?
@CreditDunce wrote:
@wacdenney wrote:I think I'm going to hold onto my Fidelity AMEX and likely end up PCing Diamond Prefferred to Dividend when my 12 months runs out.Is the Dividend still available? It would be nice if it was. I was considering it for my next app simply because the 5% categories seemed to be different than Freedom/Discover.
The card isn't on their site anywhere, but the application link is still alive: https://www.citicards.com/cards/acq/Apply.do?app=UNSOL&sc=4V4Z84K2&m=X000111111W&langId=EN&siteId=CB...
If anyone wants to risk a wasted HP to see if the application goes through then report back with the results
Wait... So Dividend is gone??!?
For real???