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Blogger
Posts: 3,355
Registered: ‎10-19-2012
0

Re: Plan for 2013

How about Discover More for online shopping? At least 5% cash back from their partner online merchants. 

Valued Contributor
Posts: 1,922
Registered: ‎06-21-2012
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Re: Plan for 2013

Plan to refi my vehicle with NFCU and possibly either a NavChek or a 2nd NFCU card to be done towards early 2013 then no more app'ing til we decide to buy another house which is hopefully not until 2014 but things have been known to change.

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $5.25k | CSP $5k | Marriott $5k | AMEX TE $18k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Frequent Contributor
Posts: 496
Registered: ‎11-13-2012
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Re: Plan for 2013


HiLine wrote:

How about Discover More for online shopping? At least 5% cash back from their partner online merchants. 


I thought MORE was dead and rewards operated on a quarterly cycle. Could be wrong but I no longer see it on the webpage.

 


bs6054 wrote:

Or go for the Priceline Visa, 2% back on everything., leaving the BCE for the 3% on groceries.    Or  the similar Fidelity Amex


Tough call for me. Every drop of my blood straight-up hates BofA, and the Fido is FIA-backed, which is BofA. In a terrible twist of unfortunate irony, Fidelity is my investment house. I'd have to swallow real hard on this one.

 


SnackTrader wrote:

Why not go for the Citi Forward for 5% on restaurants....?


Why not? Because I totally missed this one!!! I'm thinking this is the winner, plus baking Citi into my 2013 cake would be sweet... if they'll have me again. I never burned them but they shut me down in 09 when I had a zero balance. I will look closer into Forward.


GangnamFICO wrote:

Because the chicks dig it when I throw down the card to the waiter and...it comes in handy if I'm short on cash until payday and need a short spot. AMEX gets the booty, and that's important when you're a Pirate.


Minor vulgarity edit --Rev



Blogger
Posts: 3,355
Registered: ‎10-19-2012
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Re: Plan for 2013


jake619 wrote:

HiLine wrote:

How about Discover More for online shopping? At least 5% cash back from their partner online merchants. 


I thought MORE was dead and rewards operated on a quarterly cycle. Could be wrong but I no longer see it on the webpage.

 


bs6054 wrote:

Or go for the Priceline Visa, 2% back on everything., leaving the BCE for the 3% on groceries.    Or  the similar Fidelity Amex


Tough call for me. Every drop of my blood straight-up hates BofA, and the Fido is FIA-backed, which is BofA. In a terrible twist of unfortunate irony, Fidelity is my investment house. I'd have to swallow real hard on this one.

 


SnackTrader wrote:

Why not go for the Citi Forward for 5% on restaurants....?


Why not? Because I totally missed this one!!! I'm thinking this is the winner, plus baking Citi into my 2013 cake would be sweet... if they'll have me again. I never burned them but they shut me down in 09 when I had a zero balance. I will look closer into Forward.


The Discover More is still available. More info here:

 

http://ficoforums.myfico.com/t5/Credit-Cards/To-those-thinking-of-applying-for-Discover-It/m-p/17620...

 

BofA BankAmericard Cash Rewards offer 3% back on gas, by the way...

Frequent Contributor
Posts: 496
Registered: ‎11-13-2012
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Re: Plan for 2013

MORE looks like a quarterly category rotating card.  BofA-backed cards are out for now.  Like I said, avoiding them at all cost.


GangnamFICO wrote:

Because the chicks dig it when I throw down the card to the waiter and...it comes in handy if I'm short on cash until payday and need a short spot. AMEX gets the booty, and that's important when you're a Pirate.


Minor vulgarity edit --Rev



Blogger
Posts: 3,355
Registered: ‎10-19-2012
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Re: Plan for 2013


jake619 wrote:

MORE looks like a quarterly category rotating card.  BofA-backed cards are out for now.  Like I said, avoiding them at all cost.


Shopdiscover's cashback is not rotating at all.

Valued Contributor
Posts: 1,673
Registered: ‎11-11-2012
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Re: Plan for 2013

Priceline is Barclays rather than BoA, hope that isn't as bad as BoA!

Frequent Contributor
Posts: 496
Registered: ‎11-13-2012
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Re: Plan for 2013

 

HiLine wrote:

jake619 wrote:

MORE looks like a quarterly category rotating card.  BofA-backed cards are out for now.  Like I said, avoiding them at all cost.


Shopdiscover's cashback is not rotating at all.


How do I eat there?  J/K.  I'm looking for a card that kicks back rewards at restaurants.  I travel a bit and generally spend a good chunk of time on the road.

 


GangnamFICO wrote:

Because the chicks dig it when I throw down the card to the waiter and...it comes in handy if I'm short on cash until payday and need a short spot. AMEX gets the booty, and that's important when you're a Pirate.


Minor vulgarity edit --Rev



Frequent Contributor
Posts: 496
Registered: ‎11-13-2012
0

Re: Plan for 2013


bs6054 wrote:

Priceline is Barclays rather than BoA, hope that isn't as bad as BoA!


Thanks, so far Barclays likes me.  

I shafted BofA for a good chunk of $ on a short sale... They're more likely to extend a middle finger to me than credit anyway.  Haha.


GangnamFICO wrote:

Because the chicks dig it when I throw down the card to the waiter and...it comes in handy if I'm short on cash until payday and need a short spot. AMEX gets the booty, and that's important when you're a Pirate.


Minor vulgarity edit --Rev



Blogger
Posts: 3,355
Registered: ‎10-19-2012
0

Re: Plan for 2013


jake619 wrote:

 

HiLine wrote:

jake619 wrote:

MORE looks like a quarterly category rotating card.  BofA-backed cards are out for now.  Like I said, avoiding them at all cost.


Shopdiscover's cashback is not rotating at all.


How do I eat there?  J/K.  I'm looking for a card that kicks back rewards at restaurants.  I travel a bit and generally spend a good chunk of time on the road.

 


The Discover Open Road offers 2% cash back, but the monthly cap is $250...

 

https://www.discover.com/credit-cards/get-discover/open-road-card/

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