topic Re: Need a non-cobranded World MC with CB rewards... in Credit Cards

Need a non-cobranded World MC with CB rewards...

thelethargicage — Tue, 06 Oct 2015 15:52:43 GMT

...that reports as "Flexible Spending" to the CRAs (because it looks way cooler, no other reason). Off the top of my head, this rules out Citi DC (WMC and WEMC). BofA has a couple of co-branded CB WMCs, but those don't count. I wonder if it's possible to get the BofA Cash Rewards as a WMC instead of VS...

Can you guys think of any others?

Re: Need a non-cobranded World MC with CB rewards...

Anonymous — Tue, 06 Oct 2015 17:05:24 GMT

I have the BoA Cash Rewards that I converted a couple months back from Visa Sig to WMC. Very happy and easy process.

Re: Need a non-cobranded World MC with CB rewards...

thelethargicage — Tue, 06 Oct 2015 17:50:08 GMT

Did you have to wait a year before PCing?

Re: Need a non-cobranded World MC with CB rewards...

Anonymous — Tue, 06 Oct 2015 18:10:20 GMT

I was approved in April and it converted in August after I requested.

Re: Need a non-cobranded World MC with CB rewards...

galahad15 — Tue, 06 Oct 2015 18:15:36 GMT

My BoA Cash Rewards WMC also reports as flexible spending account, on my credit reports. I also have a Citi TYPref WMC that reports as a flexible spending account as well. J/c though, is there a reason why you don't think Citi DC WMC/WEMC would work in that regard; haven't some of the posters on the forum mentioned that some DCs have been successfully coded as flexible spending accounts, on their credit reports?

Re: Need a non-cobranded World MC with CB rewards...

thelethargicage — Tue, 06 Oct 2015 18:24:04 GMT

From what I've gathered, the only ones that report as "Flexible Spending" were PCd from other cards to DC. I've asked a couple posters thru PM, and both said ther DC WEMC cards reported as "Credit Card". I've asked a few others but never got a straight answer from them.

Re: Need a non-cobranded World MC with CB rewards...

TheConductor — Tue, 06 Oct 2015 19:23:46 GMT

@thelethargicage wrote:
...that reports as "Flexible Spending" to the CRAs (because it looks way cooler, no other reason).

ROFLMAO

Re: Need a non-cobranded World MC with CB rewards...

DeeBee78 — Wed, 07 Oct 2015 04:51:04 GMT

@thelethargicage wrote:
...that reports as "Flexible Spending" to the CRAs (because it looks way cooler, no other reason). Off the top of my head, this rules out Citi DC (WMC and WEMC). BofA has a couple of co-branded CB WMCs, but those don't count. I wonder if it's possible to get the BofA Cash Rewards as a WMC instead of VS...

Can you guys think of any others?

What about the Arrival+ WMC? Doesn't that report as a flexible spend card? It's not cash rewards, but it should be a flexible spend card, right?

Re: Need a non-cobranded World MC with CB rewards...

thelethargicage — Wed, 07 Oct 2015 05:03:09 GMT

I've considered the Arrival cards, but the truth is, I just don't travel. Not to mention the inferior redemption rate for cashback is a deal breaker

Re: Need a non-cobranded World MC with CB rewards...

UncleB — Wed, 07 Oct 2015 07:29:59 GMT

I know you specified you were interested in a MasterCard, but if you really want a card that reports as a "Flexible Spending Account" the QS Visa Signature cards report that way, and as you know they're not too difficult to qualify for.

I'm assuming Venture Signature cards report the same way, but I can only personally 'vouch' for the QS.

Sorry I can't be of more assistance.

Re: Need a non-cobranded World MC with CB rewards...

Anonymous — Wed, 07 Oct 2015 07:42:22 GMT

I have a Citi DC and it defientely reports as a regular "credit card" on my reports despite being a "World" mastercard. As far as Cash back rewards... the only thing i can think of is I've seen people that had Quicksilver one cards PC it to a regular Qucksilver (retains mastercard, cap1 doesnt let you convert visa to mastercard and vice versa) and upgrade it to a world or a world elite. the ThnakYou Premier is a WEMC reports as felxible spending but isnt cash back.

Re: Need a non-cobranded World MC with CB rewards...

Imperfectfuture — Wed, 07 Oct 2015 08:36:28 GMT

@UncleB wrote:
I know you specified you were interested in a MasterCard, but if you really want a card that reports as a "Flexible Spending Account" the QS Visa Signature cards report that way, and as you know they're not too difficult to qualify for.

I'm assuming Venture Signature cards report the same way, but I can only personally 'vouch' for the QS.

Sorry I can't be of more assistance.

OP has a QS VS.

Re: Need a non-cobranded World MC with CB rewards...

UncleB — Wed, 07 Oct 2015 09:02:39 GMT

@Imperfectfuture wrote:
@UncleB wrote:
I know you specified you were interested in a MasterCard, but if you really want a card that reports as a "Flexible Spending Account" the QS Visa Signature cards report that way, and as you know they're not too difficult to qualify for.

I'm assuming Venture Signature cards report the same way, but I can only personally 'vouch' for the QS.

Sorry I can't be of more assistance.
OP has a QS VS.

Ah, upon closer observation I see that now.

Thanks for clearing that up.

Re: Need a non-cobranded World MC with CB rewards...

TiggerDat — Wed, 07 Oct 2015 13:48:20 GMT

How about the Voice card from Huntington? it's a WMC.

Re: Need a non-cobranded World MC with CB rewards...

thelethargicage — Wed, 07 Oct 2015 14:35:42 GMT

@TiggerDat wrote:
How about the Voice card from Huntington? it's a WMC.

I don't live in their service area, plus I try to avoid smaller issuers/CUs. Thanks for your input, though.

Re: Need a non-cobranded World MC with CB rewards...

CreditDunce — Thu, 08 Oct 2015 01:13:33 GMT

Doesn't your SM report as a flexible spend account? The only other MC I have that reports as a flexible spend is a local CU card. It isn't a true cash back card, though.

Re: Need a non-cobranded World MC with CB rewards...

NRB525 — Thu, 08 Oct 2015 01:45:58 GMT

How about applying for a Citi TY Preferred as a WMC, then converting that to DC where it should become a WMC reporting card?

My Citi AA Platinum was issued as a WMC, "Flexible Spending" to EQ but with the stated $13k limit on EX. So perhaps not all the banks will know you have flexibility

Re: Need a non-cobranded World MC with CB rewards...

Anonymous — Thu, 08 Oct 2015 05:58:09 GMT

@Anonymous wrote:
I have the BoA Cash Rewards that I converted a couple months back from Visa Sig to WMC. Very happy and easy process.

Howdy partner! Hows your WMC treatin' ya????

So does this mean that our BOA CRs are really flexible? Does it really have the option to go over the limit? Or is that just how its reported? Its affecting credit scores the same way as a regular credit card....so whats the reasoning?

Re: Need a non-cobranded World MC with CB rewards...

Anonymous — Thu, 08 Oct 2015 07:15:53 GMT

@Anonymous wrote:
@Anonymous wrote:
I have the BoA Cash Rewards that I converted a couple months back from Visa Sig to WMC. Very happy and easy process.
Howdy partner! Hows your WMC treatin' ya????

So does this mean that our BOA CRs are really flexible? Does it really have the option to go over the limit? Or is that just how its reported? Its affecting credit scores the same way as a regular credit card....so whats the reasoning?

Card is great...I can use it now to pay my water/sewer bill (never accepted Visa) and love the color and Mastercard logo.

It does report as Flexible spending but with an almost 25k limit, I don't think I will try to see how flexible it is.

Re: Need a non-cobranded World MC with CB rewards...

thelethargicage — Thu, 08 Oct 2015 14:07:34 GMT

@NRB525 wrote:
How about applying for a Citi TY Preferred as a WMC, then converting that to DC where it should become a WMC reporting card?

That sounds like a viable option, although I'm assuming you meant TY Premier rather than a Preferred (the Premier has a revolving credit line). Thanks for your input!

How flexible is Citi when it comes to reallocating limits? Or am I better off closing the DC first and then apping for a TY Premier?