Reply
Regular Contributor
Posts: 224
Registered: ‎03-12-2013
0

Re: >1% cash back cards


Themanwhocan wrote:

angelcred10 wrote:
I won't go above those ever unless I somehow get time to travel out of town

I'll need to recon 😔
Anyone have the backdoor #?
I found the thread is it still accurate?
Barclays correct?

Sorry, I didn't quite understand what you wrote.

 

This thread was started 3 days ago, so yes it is still accurate.

 

What exactly are you trying to recon? the Two Sallie Mae cards are Barclay cards, if thats what you mean.

 

The backdoor numbers are in the stickies, but here is a direct link http://ficoforums.myfico.com/t5/Credit-Cards/Backdoor-Numbersu/m-p/408066

 


I swear if I repost on accident -.- lol

Yes, I was in need of recon the Sallie Mae.

I was sure it was Barclay but have to wait until monday for the credit analyst to be available

 

I meant I found an old thread with the backdoor numbers through the search tool, was a different post than the link you just gave.. same #s

Starting Score: 635 Current Score: 686 Citi Pull
Goal Score:720s
Tried to use Images but it was all Wibbly, Wobbly, and Timey-Wimey.
Cap One Quicksilver $1,300 Wal-Mart $1,000 Best Buy $1.5K DiscoverIT $2.5K Chase Freedom $3K AMEX BCE $2K
Chase Slate - $1,000 AMEX Everyday - $4,000 Sallie Mae - $2,500
New!! Citi Double Cash - 1K
Contributor
Posts: 94
Registered: ‎07-06-2013
0

Re: >1% cash back cards

[ Edited ]

angelcred10 wrote:
Hardly ever get that high in spending.
What do they consider "bookstores"

Amazon (anything actually sold through them, plus some things fulfilled by Amazon - YMMV) and then whatever else would count as a bookstore (Barnes & Noble, things on college campuses maybe).

 

Amazon is the important one.


Established Contributor
Posts: 607
Registered: ‎09-27-2013
0

Re: >1% cash back cards

So Sallie Mae gives 5% CB on non book purchases from Amazon.com?
Super Contributor
Posts: 9,179
Registered: ‎04-22-2013
0

Re: >1% cash back cards


MoreRewards wrote:
So Sallie Mae gives 5% CB on non book purchases from Amazon.com?

Yes, up to $750 per month

Regular Contributor
Posts: 123
Registered: ‎03-06-2014
0

Re: >1% cash back cards


longtimelurker wrote:

MoreRewards wrote:
So Sallie Mae gives 5% CB on non book purchases from Amazon.com?

Yes, up to $750 per month


Do you need a Salie Mae card? There is a sign up page on upromise.com and I didn't see whether you need a sallie mae card..

 

Cards: Andrews FCU $500 secured & SDFCU $250 secured (both opened 04/2014)
Credit: EQ/TU VS3 FAKO 714
Regular Contributor
Posts: 224
Registered: ‎03-12-2013
0

Re: >1% cash back cards

Yeah, just go to salliemae.com
And it's there
Not on Barclay or I promise site.. A little hidden
Starting Score: 635 Current Score: 686 Citi Pull
Goal Score:720s
Tried to use Images but it was all Wibbly, Wobbly, and Timey-Wimey.
Cap One Quicksilver $1,300 Wal-Mart $1,000 Best Buy $1.5K DiscoverIT $2.5K Chase Freedom $3K AMEX BCE $2K
Chase Slate - $1,000 AMEX Everyday - $4,000 Sallie Mae - $2,500
New!! Citi Double Cash - 1K
Moderator
Posts: 5,338
Registered: ‎08-12-2013
0

Re: >1% cash back cards


longtimelurker wrote:

Themanwhocan wrote:

angelcred10 wrote:

Always hearing about this Sallie Mae Card, that much better than BCE?

I never noticed those are pretty high %'s back!

May go apply...


Sallie Mae Rewards card is better than a BCE. You did see the spreadsheets earlier in this post, right :smileywink:

 

 


 

Agree.  One great use of this forum would be to educate people that you shouldn't get card X because card Y is better, but we keep seeing people getting the BCE.   To reiterate without the chart:

 

There is almost no spend point where the BCE is the card to get.   If you spend relatively little on gas and groceries, the Sallie Mae is better.  If you spend ~ $6K on groceries (including gift cards)  BCP may be better (but still get the free Sallie Mae as well for the gas and Amazon) and if you spend a lot (either real or manufactured) the Blue Cash is the card to have.   And if you spend enough at select department stores (the advantage of BCP/BCE over SM) then again the BCP would be better.

 

The exception is if you want your first Amex, or an additional Amex for backdating.  But even then, now the Everyday might be a better choice.


"Enough" would be an amount over $7500.  So it's a small niche, but BCE could definitely be advantageous with the right spending habits. 


Start: 619 (Wally, 9/2013) | Current: 669 (Wally, 2/4/15), 756 (Merrick, 2/16/15)
AMEX BCE $13500 | Care Credit $10200 | JCP $8000 | Walmart Store $5000 | Amazon Store $5000 | Overstock $4900 | Cap 1 QS1 $4750 | AMEX Costco TE $3500 | Macy's Special Events $2900 | Macy's Revolving $2500 | CU Visa $2500 | Sony Card $2500 | Macy's AMEX $1500 | VS $1450 | Gold Violin $1450 | Citi DC WMC $1200 | Merrick $1200 | Target $1000 | ~~Gardening Since 12/23/14
Established Contributor
Posts: 607
Registered: ‎09-27-2013
0

Re: >1% cash back cards

Ok according to what i read it's on everything but digital purchases. Has anyone purchased gift cards & got the 5%? I used my Chase Freedom Q4 solely on gift cards for the Amazon CB.
Super Contributor
Posts: 9,179
Registered: ‎04-22-2013
0

Re: >1% cash back cards


SunriseEarth wrote:

longtimelurker wrote:

Themanwhocan wrote:

angelcred10 wrote:

Always hearing about this Sallie Mae Card, that much better than BCE?

I never noticed those are pretty high %'s back!

May go apply...


Sallie Mae Rewards card is better than a BCE. You did see the spreadsheets earlier in this post, right :smileywink:

 

 


 

Agree.  One great use of this forum would be to educate people that you shouldn't get card X because card Y is better, but we keep seeing people getting the BCE.   To reiterate without the chart:

 

There is almost no spend point where the BCE is the card to get.   If you spend relatively little on gas and groceries, the Sallie Mae is better.  If you spend ~ $6K on groceries (including gift cards)  BCP may be better (but still get the free Sallie Mae as well for the gas and Amazon) and if you spend a lot (either real or manufactured) the Blue Cash is the card to have.   And if you spend enough at select department stores (the advantage of BCP/BCE over SM) then again the BCP would be better.

 

The exception is if you want your first Amex, or an additional Amex for backdating.  But even then, now the Everyday might be a better choice.


"Enough" would be an amount over $7500.  So it's a small niche, but BCE could definitely be advantageous with the right spending habits. 


That's assuming no gas or grocery purchases though.  But yes, if you don't buy gas or groceries, and don't have a 2% card, and spend up to $7500 at select department stores, then yes, the BCE is OK.

Valued Contributor
Posts: 2,014
Registered: ‎04-04-2013
0

Re: >1% cash back cards


longtimelurker wrote:

SunriseEarth wrote:

longtimelurker wrote:

Themanwhocan wrote:

angelcred10 wrote:

Always hearing about this Sallie Mae Card, that much better than BCE?

I never noticed those are pretty high %'s back!

May go apply...


Sallie Mae Rewards card is better than a BCE. You did see the spreadsheets earlier in this post, right :smileywink:

 

 


 

Agree.  One great use of this forum would be to educate people that you shouldn't get card X because card Y is better, but we keep seeing people getting the BCE.   To reiterate without the chart:

 

There is almost no spend point where the BCE is the card to get.   If you spend relatively little on gas and groceries, the Sallie Mae is better.  If you spend ~ $6K on groceries (including gift cards)  BCP may be better (but still get the free Sallie Mae as well for the gas and Amazon) and if you spend a lot (either real or manufactured) the Blue Cash is the card to have.   And if you spend enough at select department stores (the advantage of BCP/BCE over SM) then again the BCP would be better.

 

The exception is if you want your first Amex, or an additional Amex for backdating.  But even then, now the Everyday might be a better choice.


"Enough" would be an amount over $7500.  So it's a small niche, but BCE could definitely be advantageous with the right spending habits. 


That's assuming no gas or grocery purchases though.  But yes, if you don't buy gas or groceries, and don't have a 2% card, and spend up to $7500 at select department stores, then yes, the BCE is OK.


On the other hand, the US Bank Cash+ can select all Dept Stores for 5% cash back, which beats 2% only on a select few. For that matter, a Huntington Voice card can select Department stores AND Electronics stores for 3% cash back (both are in the same category)...

 

Oh, and I don't like the look of the BCE. Not blue enough, I guess.


Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.