topic Re: Looking for an entertainment card... in Credit Cards

Looking for an entertainment card...

Anonymous — Mon, 27 Jun 2016 18:47:32 GMT

I will be in the garden for the next 6 months or so. But in the mean time I am starting to research a potential card that fits my spending habits. Looking for a CC to maximize restaurants, bars and fast food to earn more rewards. Any suggestions other than Citi- burned them horribly a couple years back and the blacklist is mutual... At 25 percent utilization for another three months then down to blow ten percent. EX 652, TU 640 and Eq 672- currently baddies two charge offs from 2013 and a 90 day late from 2013. Current line up:
Amex BCE 1000:grocery and as for 3 and 2 percent
Chase freedom 2500:for 5 percent categories
Barclay Rewards 3500: for utilities 2 percent cash back
Bofa BBR 2000- large purchases for the 120 in statement credits
Cap one QS 3500: daily for now at 1.5 percent if not using a category card
US Bank Cash Rewards- well, for nothing since its one percent and my lowest credit line 800

Re: Looking for an entertainment card...

AverageJoesCredit — Mon, 27 Jun 2016 19:15:16 GMT

Well you can always get the very entertaining Marvel card by Sync Bank. Great card for dining and entertaiment. Best of luck!

Re: Looking for an entertainment card...

Anonymous — Mon, 27 Jun 2016 19:16:29 GMT

I haven't been able to find anything on that card when googling other than links to here haha

Re: Looking for an entertainment card...

Anonymous — Mon, 27 Jun 2016 19:17:16 GMT

@AverageJoesCredit wrote:
Well you can always get the very entertaining Marvel card by Sync Bank. Great card for dining and entertaiment. Best of luck!

+1 to the Marvel card.

Re: Looking for an entertainment card...

AverageJoesCredit — Mon, 27 Jun 2016 19:20:13 GMT

You can also go to marvel.com and read up on it but im sure youll find plenty of info here. This became a sort of flavor of the month here but to be honest it is a great flavor and one i think has a nice future

Re: Looking for an entertainment card...

myjourney — Mon, 27 Jun 2016 19:20:43 GMT

@Anonymous wrote:
I will be in the garden for the next 6 months or so. But in the mean time I am starting to research a potential card that fits my spending habits. Looking for a CC to maximize restaurants, bars and fast food to earn more rewards. Any suggestions other than Citi- burned them horribly a couple years back and the blacklist is mutual... At 25 percent utilization for another three months then down to blow ten percent. EX 652, TU 640 and Eq 672- currently baddies two charge offs from 2013 and a 90 day late from 2013. Current line up:
Amex BCE 1000:grocery and as for 3 and 2 percent
Chase freedom 2500:for 5 percent categories
Barclay Rewards 3500: for utilities 2 percent cash back
Bofa BBR 2000- large purchases for the 120 in statement credits
Cap one QS 3500: daily for now at 1.5 percent if not using a category card
US Bank Cash Rewards- well, for nothing since its one percent and my lowest credit line 800

You may come out better with a straight standard 2% card across the board vs 3% for this and 1% for that type card

Re: Looking for an entertainment card...

Anonymous — Mon, 27 Jun 2016 19:23:54 GMT

I just quickly looked up the Marvel card.. other than the design I don't get the big fuss about this card? The rewards don't seem like they're all that great?

Re: Looking for an entertainment card...

Anonymous — Mon, 27 Jun 2016 19:27:10 GMT

@Anonymous wrote:
I haven't been able to find anything on that card when googling other than links to here haha

Here's from the Marvel card:

3% Back: For every dollar in eligible net purchases (merchandise purchased minus returns and adjustments) ("Purchases"), rounded to the nearest hundredth, charged to your Card for Purchases of dining, select entertainment and for Marvel Online and Convention Purchases. Select entertainment categories include Movie Theatres, Video Rental and Game Stores, Theatrical and Concert Promoters, Amusement Parks, Digital Entertainment, Games and Software, Music, Books and Newsstands, Toys and Hobby Stores....

Re: Looking for an entertainment card...

Anonymous — Mon, 27 Jun 2016 19:37:14 GMT

With straight two percent cards I haven't seen anything other than citi...and citi and I have mutually blacklisted each other

Re: Looking for an entertainment card...

CreditCuriosity — Mon, 27 Jun 2016 19:50:44 GMT

If those are current scores in signature going to have a bit of a trouble getting the Marvel card most likely... Appears you have some decent cards with all things considered. Best bet is to get your util down to < 10% and then go from there as that and time will give you a score boost.. Just my 2 cents. Otherwords garden for a bit while paying down debt. Then consider adding another card.. Just my 2 cents

Re: Looking for an entertainment card...

Anonymous — Mon, 27 Jun 2016 19:45:07 GMT

@Anonymous wrote:
With straight two percent cards I haven't seen anything other than citi...and citi and I have mutually blacklisted each other

http://ficoforums.myfico.com/t5/Credit-Cards/Is-Blispay-too-good-to-be-true/td-p/4641257

Re: Looking for an entertainment card...

Anonymous — Mon, 27 Jun 2016 19:46:15 GMT

Paying down my vacation and emergency dental work is on my list to do, hence the two- three months to get my utilization down to under ten percent. Gardening for the next 6 months is also on the list like stated. Figured if I am going to wait six months I should start to do research before apping for anything. Don't really want a collection of cards to just have them if they don't serve me a purpose. Thank you.

Re: Looking for an entertainment card...

myjourney — Mon, 27 Jun 2016 20:22:27 GMT

@Anonymous wrote:
With straight two percent cards I haven't seen anything other than citi...and citi and I have mutually blacklisted each other

https://www.fidelity.com/cash-management/visa-signature-card

Re: Looking for an entertainment card...

Themanwhocan — Mon, 27 Jun 2016 20:43:27 GMT

Marvel is a pretty good choice. Or the JCB Marukai card if you are in their area.

Eventually you will be able to convert that US Bank card to a Cash+, since they are now giving everyone the Cash+ regardless of starting limit. Once you achieve hat, you could make it a 5% fast food, 2% restaurant card. remember to ask for a $1500 cli every 6 months.

Check out his thread, especially the non-category spend chart, and the Restaurants chart http://ficoforums.myfico.com/t5/Credit-Cards/Cash-Back-credit-card-charts/td-p/4004725

Re: Looking for an entertainment card...

Anonymous — Mon, 27 Jun 2016 20:57:01 GMT

Thanks themanehocan, I have tried to PC my US Bank card to the US Bank Cash Plus Visa Platium, but not available yet for me and still have 3 months to go for a CLI

Re: Looking for an entertainment card...

SunriseEarth — Mon, 27 Jun 2016 21:31:56 GMT

@Anonymous wrote:
I will be in the garden for the next 6 months or so. But in the mean time I am starting to research a potential card that fits my spending habits. Looking for a CC to maximize restaurants, bars and fast food to earn more rewards. Any suggestions other than Citi- burned them horribly a couple years back and the blacklist is mutual... At 25 percent utilization for another three months then down to blow ten percent. EX 652, TU 640 and Eq 672- currently baddies two charge offs from 2013 and a 90 day late from 2013. Current line up:
Amex BCE 1000:grocery and as for 3 and 2 percent
Chase freedom 2500:for 5 percent categories
Barclay Rewards 3500: for utilities 2 percent cash back
Bofa BBR 2000- large purchases for the 120 in statement credits
Cap one QS 3500: daily for now at 1.5 percent if not using a category card
US Bank Cash Rewards- well, for nothing since its one percent and my lowest credit line 800

Marvel is definitely a good choice for 3% dining. It's also good for movies and show tickets at 3%, so I think it's great for entertainment! Cash+ is great if you do fast food a lot (5%) and add restaurants at 2%. However, the Cash+ dining categories don't include catering and possibly not bars (I haven't tried it at a bar yet). Other dining cards are more inclusive and would include both of those categories. Catering is good, because if you go to a show or an event that has a bar, they often code as "caterers".

If you have a Sam's Club membership, their MC also has 3% dining, but the rewards are only annual; Marvel does a monthly statement credit.

Discover is excellent for 5% on all dining when it's a category (Q2 is dining), but that only happens once a year.

Re: Looking for an entertainment card...

Anonymous — Mon, 27 Jun 2016 21:25:29 GMT

Have you looked at blispay? It's a straight 2% and another flavor of the month card.

Re: Looking for an entertainment card...

creditfan — Mon, 27 Jun 2016 21:37:42 GMT

@myjourney wrote:
@Anonymous wrote:
With straight two percent cards I haven't seen anything other than citi...and citi and I have mutually blacklisted each other
https://www.fidelity.com/cash-management/visa-signature-card

use this link https://www.fidelity.com/go/rewards-visa-signature to get $100 signup bonus

Re: Looking for an entertainment card...

RonM21 — Tue, 28 Jun 2016 23:08:22 GMT

Marvel is not a card I have, but have heard good things about overall. It is one I'm looking in to based on what info I have so far.

Re: Looking for an entertainment card...

kdm31091 — Tue, 28 Jun 2016 23:15:46 GMT

Discover only does dining one quarter of the year, but at one quarter 5% and three 1%, that's still an average of 2% on dining for the year (which of course is not remarkable but not horrible either).

You can do the Marvel card for 3% dining/entertainment, AARP 3% dining, etc or you can just choose a standard 2% across the board card and not have to worry about things coding correctly. The Marvel is not a bad product but redemption isn't very flexible (the rewards just get deducted monthly). If you like to "save up" the points for any purpose, the Marvel isn't the best fit. If this doesn't matter to you and you just want the 3%, it offers 3% on many entertainment expenses.

Lastly, I'd question how big of a factor "entertainment" is in your budget? If these are just occasional purchases, may not be worth a dedicated card. Less is more with rewards cards. The more you spread out, the more diluted the points become.