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To app or not to app?

Regular Contributor

Re: To app or not to app?

Why not PC your better balance rewards to travel rewards? You can actually earn something with every dollar spent on the card, plus if it saves you $200 a year in FTF it makes you more money than the $120 trick you'd get with the more than minimum payments. And on top of that it's not a HP. If it will be $200 a year in fees, it seems like a no brainer to call and ask.

EQ 728 FICO, 5 INQ | EX 723 FICO, 5 INQ | TU 746 FICO, 6 INQ | CLs $170K | AAOA 4 Years
Message 11 of 13
Established Contributor

Re: To app or not to app?

I actually meant $200 in purchases, so roughly $2/year in fees. The Better Balance card is actually quite profitable for me. I have my T-Mo bill and MyFico subscription bill to it (approximately $43/mo) and get $120/yr. So 120/516= 23% rewards rate.

 photo NUS000000180_160X101_STRAIGHT.gif photo DISCOVER_IT_LG.gif photo card_1.png photo night-launch.png photo NUS000000012_160X101_STRAIGHT.gif photo bankamericard-better-balance-rewards-credit-card-small.png
$15000 ........... $12500 ............ $11750 ............ $10000 ........... $9400 ............ $5000 ............. $5000
In the Garden until at least November 2015
Message 12 of 13
Regular Contributor

Re: To app or not to app?

Ah, makes more sense. FTF's can add up but you can't even get a breakfast sandwich for $2 nowadays. I wouldn't sweat it.

EQ 728 FICO, 5 INQ | EX 723 FICO, 5 INQ | TU 746 FICO, 6 INQ | CLs $170K | AAOA 4 Years
Message 13 of 13