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@bobkmn wrote:
@Themanwhocan wrote:You can try for a Sallie Mae rewards MasterCard.
https://www.salliemae.com/credit-cards/sallie-mae-card/
I don't have any student loans.
It is a statement credit, I believe. But even if it's not -- I know that you don't have to have student loans for this card to be beneficial! It's a great one and you should be approved for it.
@KennyS2006 wrote:
@bobkmn wrote:
@Themanwhocan wrote:You can try for a Sallie Mae rewards MasterCard.
https://www.salliemae.com/credit-cards/sallie-mae-card/
I don't have any student loans.
It is a statement credit, I believe. But even if it's not -- I know that you don't have to have student loans for this card to be beneficial! It's a great one and you should be approved for it.
Appreciate the input--always good from you folks. In a few words can you tell me why it is a great card? As opposed to the Chase Freedom which has also been recommended to me.
Thanks!!!
@bobkmn wrote:
@KennyS2006 wrote:
@bobkmn wrote:
@Themanwhocan wrote:You can try for a Sallie Mae rewards MasterCard.
https://www.salliemae.com/credit-cards/sallie-mae-card/
I don't have any student loans.
It is a statement credit, I believe. But even if it's not -- I know that you don't have to have student loans for this card to be beneficial! It's a great one and you should be approved for it.
Appreciate the input--always good from you folks. In a few words can you tell me why it is a great card? As opposed to the Chase Freedom which has also been recommended to me.
Thanks!!!
Sallie Mae is 5% on gas all year(Capped at $250 each month). Also on groceries(seperate $250/mo cap)
Chase only 5% for 1-2 quarters in the year plus you get other rotating categories, some like home improvement you might never use, others like amazon or restaurants are real useful. You have discover so you know how it works.
Basically you'll use your salllie mae card all year around unless you don't drive or buy grocieries regularly. With Freedom you'll only use it in the appropriate quarters.
edit:fixed the caps, my bad
@VirusCredit13 wrote:
@bobkmn wrote:
@KennyS2006 wrote:
@bobkmn wrote:
@Themanwhocan wrote:You can try for a Sallie Mae rewards MasterCard.
https://www.salliemae.com/credit-cards/sallie-mae-card/
I don't have any student loans.
It is a statement credit, I believe. But even if it's not -- I know that you don't have to have student loans for this card to be beneficial! It's a great one and you should be approved for it.
Appreciate the input--always good from you folks. In a few words can you tell me why it is a great card? As opposed to the Chase Freedom which has also been recommended to me.
Thanks!!!
Sallie Mae is 5% on gas all year(Capped at $750 each month). Also on groceries(seperate $750/mo cap)
Chase only 5% for 1-2 quarters in the year plus you get other rotating categories, some like home improvement you might never use, others like amazon or restaurants are real useful. You have discover so you know how it works.
Basically you'll use your salllie mae card all year around unless you don't drive or buy grocieries regularly. With Freedom you'll only use it in the appropriate quarters.
Sallie Mae is 5% on groceries and gas ($250 / month cap) and 5% on bookstores ($750 / month cap) year round.
Amazon qualifies as a bookstore which makes it a really great card.
@Involver wrote:
@VirusCredit13 wrote:
@bobkmn wrote:
@KennyS2006 wrote:
@bobkmn wrote:
@Themanwhocan wrote:You can try for a Sallie Mae rewards MasterCard.
https://www.salliemae.com/credit-cards/sallie-mae-card/
I don't have any student loans.
It is a statement credit, I believe. But even if it's not -- I know that you don't have to have student loans for this card to be beneficial! It's a great one and you should be approved for it.
Appreciate the input--always good from you folks. In a few words can you tell me why it is a great card? As opposed to the Chase Freedom which has also been recommended to me.
Thanks!!!
Sallie Mae is 5% on gas all year(Capped at $750 each month). Also on groceries(seperate $750/mo cap)
Chase only 5% for 1-2 quarters in the year plus you get other rotating categories, some like home improvement you might never use, others like amazon or restaurants are real useful. You have discover so you know how it works.
Basically you'll use your salllie mae card all year around unless you don't drive or buy grocieries regularly. With Freedom you'll only use it in the appropriate quarters.
Sallie Mae is 5% on groceries and gas ($250 / month cap) and 5% on bookstores ($750 / month cap) year round.
Amazon qualifies as a bookstore which makes it a really great card.
this is a really good suggestion. Rewards post immediately and a free FICO TU score on top of the rewards. Can't beat that. Especially if its a World Mastercard and even more perks come with the card.
@striehl8212 wrote:
@Involver wrote:
@VirusCredit13 wrote:
@bobkmn wrote:
@KennyS2006 wrote:
@bobkmn wrote:
@Themanwhocan wrote:You can try for a Sallie Mae rewards MasterCard.
https://www.salliemae.com/credit-cards/sallie-mae-card/
I don't have any student loans.
It is a statement credit, I believe. But even if it's not -- I know that you don't have to have student loans for this card to be beneficial! It's a great one and you should be approved for it.
Appreciate the input--always good from you folks. In a few words can you tell me why it is a great card? As opposed to the Chase Freedom which has also been recommended to me.
Thanks!!!
Sallie Mae is 5% on gas all year(Capped at $750 each month). Also on groceries(seperate $750/mo cap)
Chase only 5% for 1-2 quarters in the year plus you get other rotating categories, some like home improvement you might never use, others like amazon or restaurants are real useful. You have discover so you know how it works.
Basically you'll use your salllie mae card all year around unless you don't drive or buy grocieries regularly. With Freedom you'll only use it in the appropriate quarters.
Sallie Mae is 5% on groceries and gas ($250 / month cap) and 5% on bookstores ($750 / month cap) year round.
Amazon qualifies as a bookstore which makes it a really great card.
this is a really good suggestion. Rewards post immediately and a free FICO TU score on top of the rewards. Can't beat that. Especially if its a World Mastercard and even more perks come with the card.
Ok, lots of info to digest....I am going to make a decision soon but I would like some final input from you folks. From what I can find I have 2 invitations to apply (1) Citi ThankYou Preferred Card and (2) Citi Diamond Preferred Card. If I choose from those, which one would be the
better one to get? No specific needs for the card except to buy gas and to achieve lower balances on my other cards. That being said, there
are 3 other cards that I am considering or have been recommended to me by members of this forum. I need not go into detail about the cards, but I will just give the types: (1) Chase Slate, (2) Chase Freedom and (3) Sally Mae Rewards Mastercard. Thoughts on those 5 cards...and of course, any other ones that you folks think I should consider.
As always, thanks for your input. These forums have made a significant difference in my life already.
Sallie Mae MasterCard:
Groceries 5% capped at $250/month
Gas Stations 5% capped at $250/month (separate from the grocery cap)
Book Stores 5% capped at $750/month. Bokstores includes Amazon.com purchases, so the larger cap is useful if you use amazon.com a lot.
The Barclays web site is very clear and straightforward to use. And yes, you just redeem for Statement credits when you have $25 worth, which is fairly easy to get with al those 5% cash back categories.
They are pretty good about increasing credit limits automatically if you start with a low limit, assuming you use the card. The free FICO score is nice bonus. The small Grocery cap might seem like a problem, but you gain so much headway at 5% that once it drops to 1% for exceeding the monthly cap, you are still way ahead. For example, you always earn more cash back that an American Express Blue Cash Everyday:
I forgot one last question. Since I have invitations from the 2 Citi cards should I favor one of those. Guess what I am getting to is do you have a better success rate, both approval and CL, with invitations or since the invitations are based on a reflection of your score, would the other cards I mentioned be about the same success rate? Clear? LOL
Oops, I just got an invitation from Chase Freedom today. :-)
@bobkmn wrote:Oops, I just got an invitation from Chase Freedom today. :-)
Congratulations good luck maybe you should apply