@Anonymous wrote:
Its not bad if you can get the lowest of the three. Not that APR should be an issue with this card but I feel like I need a written command from the Almighty to qualify for 13.99%Mine is the middle rate
I was also hoping for the lowest rate and ended up with the middle rate, but that was wishful thinking on my part, considering that I had (and still have) baddies on my reports. I may hit them up later this year when my reports are squeaky clean and see if they can get me that coveted 13.99%. 
@Anonymous wrote:
Its not bad if you can get the lowest of the three. Not that APR should be an issue with this card but I feel like I need a written command from the Almighty to qualify for 13.99%
Wow, didn't notice before. That is a high middle rate. Have you tried to lower it a notch or two?
@Imperfectfuture wrote:
@Anonymous wrote:
Its not bad if you can get the lowest of the three. Not that APR should be an issue with this card but I feel like I need a written command from the Almighty to qualify for 13.99%Wow, didn't notice before. That is a high middle rate. Have you tried to lower it a notch or two?
Its all of 1% higher than the middle rate of our US Airways cards so not really a big difference I called and inquired around January I believe and was told no offers were currently available. I may try again in a few months but carrying a balance on this card kind of defeats the benefits purpose so its not high on my necessities list.
@Anonymous wrote:
Its not bad if you can get the lowest of the three. Not that APR should be an issue with this card but I feel like I need a written command from the Almighty to qualify for 13.99%
I don't know how the come to the APR that they approve. I got my Amex 20.99% and my DW got her Amex at 12.99%. My score is higher but my cards have lower limits and higher APRs.
@beautifulblaquepearl wrote:
@Themanwhocan wrote:
@TRC_WA wrote:I ran $4800 in 31 transactions thru my Sallie Mae this month... cashed in $50 in statement credits too and almost hit $75.
Gas... groceries... Amazon.
Between me (I'm single) and my Dad (AU) hitting the 5% caps is stupid easy in gas/groceries and then I switch to another card (Discover, Sam's MC) for the 5%. I spend $200-$300 a month in Amazon too.
It's my current go to card...
Perhaps you should get a second Sallie Mae card.
Would you mind explaining your spreadsheet? Thanks in advance!
This spreadsheet shows expected yearly cash back for each card or combination of cards, ignoring any sign up bonus or first year fee waivers. So, annual fees are deducted from earnings. You have to determine what your typical weekly or yearly spend is in the two spend categories of Grocery Stores and Gas Stations.
In other words, this chart shows the expected cash back per year after the first year, since first year is strongly effected by sign up incentives, which do change periodically. Choosing cards based on sign up bonuses is a completely different topic...
Sallie Mae is the Barclaycard Sallie Mae Mastercard: https://www.salliemae.com/credit-cards/sallie-mae-card/
CCU is Consumers Credit Union VISA Signature Cash Rebate Card.
BCE = American Express Blue Cash Everyday
BCP = American Express Blue Cash Preferred
BC = American Express Blue Cash card, which is still available if you know where to find the application
