topic Re: "Three Cards" Comenity/Synchrony Edition in Credit Cards

"Three Cards" Comenity/Synchrony Edition

wasCB14 — Fri, 26 May 2017 02:21:29 GMT

Build your hypothetical lineup out of cards from the oft-vilified Comenity and Synchrony.

I’m not fussy about the exact number of cards. I'm not a moderator, but I would appreciate it if we could minimize the number of “Barclaycard is just as bad” or "I couldn't live without my Platinum" detours. I intend this just as a sort of puzzle and not really for any practical purpose.

I’m thinking...

-A Virgin America Premium Visa (still with Comenity, I believe) would be nice as my main card, at least until Elevate is replaced with Alaska's Mileage Plan. However, it’s closed to new apps. They do fly my usual routes, and without Amex or Citi cards (for Delta/AA points and perks), loyalty to Virgin America could make sense. Getting Elevate Silver status based on my segment count would be possible. Even Gold wouldn't be out of the question.

-A Sam’s Club MC (Synchrony) could be useful for bonus categories.

Not sure beyond that...maybe a Stash card for the first year.

Re: "Three Cards" Comenity/Synchrony Edition

CreditCuriosity — Fri, 26 May 2017 02:33:10 GMT

AKC - Vet for all our furry friends

Marvel - Decent APR if you get best tier along with honestly alot of useful categories

Not sure about the 3rd.. Possibly ebates

Re: "Three Cards" Comenity/Synchrony Edition

thummel — Fri, 26 May 2017 02:56:59 GMT

Virgin America-My personal favorite from Comenity anyway.
Marvel-Great for dinning out and entertainment.
Amazon Store Card-lets be real who doesn't shop on amazon?

Re: "Three Cards" Comenity/Synchrony Edition

happypill — Fri, 26 May 2017 03:19:51 GMT

The Virgin America card is nice, but not sure what's going to happen to it now with the merger. The Amazon card is very important for those of us who are on the Chase BL. The AKC card is pretty good for people who have pets (my vet bill is higher than my personal medical bills most years). I shopped at Sportsman's Guide prior to knowing about their card, and they have some really nice deals around the holidays (along with high limits and a consistant stream of CLI's). I know some people like the Lowes card for the special financing.

They're not the most desirable cards in the world, but some of the are pretty useful.

Re: "Three Cards" Comenity/Synchrony Edition

Anonymous — Fri, 26 May 2017 12:12:48 GMT

Well, I've got my Amazon Prime Store Card (Synchrony) and my Overstock Store Card (Comenity), so let's see...I'm not interested in a whole lot of cards from those two banks, and I have two of them, so there are really only three left that I'm interested in right now, though I can't decide which one to pick:

Marvel MC (Synchrony)

Paypal Credit (Comenity)

Walmart Store Card (Synchrony)

All of these have their attractions; Marvel has that bookstores category, Paypal Credit would come in mighty useful on eBay, and I do much of my general-store-type shopping at Walmart.

Re: "Three Cards" Comenity/Synchrony Edition

AverageJoesCredit — Fri, 26 May 2017 12:25:34 GMT

Sams, to far in my build to get the MC,
Marvel , good mc regardless of APR,pif renders it mute!
Amazon, good limits and 5% is nice

Re: "Three Cards" Comenity/Synchrony Edition

odd_dog — Fri, 26 May 2017 12:56:30 GMT

Just throwing it out there, you all realize that the Virgin America Visa is no longer offered for new applications right?

Re: "Three Cards" Comenity/Synchrony Edition

wasCB14 — Fri, 26 May 2017 13:05:11 GMT

@odd_dog wrote:
Just throwing it out there, you all realize that the Virgin America Visa is no longer offered for new applications right?

Yes. I think the others that mentioned it have it, and I mentioned in my original post that it's closed to new apps.

I thought it was an interesting puzzle, and felt as asker I should give my own answer...though I did have to cheat a little.

Re: "Three Cards" Comenity/Synchrony Edition

odd_dog — Fri, 26 May 2017 14:31:11 GMT

@wasCB14 wrote:
@odd_dog wrote:
Just throwing it out there, you all realize that the Virgin America Visa is no longer offered for new applications right?
Yes. I think the others that mentioned it have it, and I mentioned in my original post that it's closed to new apps.

I thought it was an interesting puzzle, and felt as asker I should give my own answer...though I did have to cheat a little.

I am sorry I re read your OP and see you did mention that! I am SOOOO getting old, my eyes, my eyes!!! LOL I had the card and got rid of it after I combined my points with my Alaska Air account....It was a nice card while it lasted but I do not mind giving up the annual fee and just worrying about the Alaska Visa!!

Re: "Three Cards" Comenity/Synchrony Edition

ChargedUp — Fri, 26 May 2017 14:54:22 GMT

Marvel, Ebates and Paypal would be the most useful to me...

Re: "Three Cards" Comenity/Synchrony Edition

Anonymous — Fri, 26 May 2017 15:27:51 GMT

Pottery Barn - 12 months 0 percent interest.

J Crew - 5 percent Rewards

Crate and Barrel 10 percent rewards

Re: "Three Cards" Comenity/Synchrony Edition

SunriseEarth — Fri, 26 May 2017 19:02:20 GMT

I no longer have any Comenity cards, since none seem to fit my current needs. So my three lineup is all Sync.

1. Marvel MC--one of my most used cards, due to 3% dining and entertainment. I use mine for full service restaurants (or if I'm not sure if something is "fast food"), as well as anything that comes up as Bars/Cafes or catering. I also use it for my recurring PS Vue billing, since that gets 3% rewards.

2. WalMart MC--I mainly use this for 5% gas, and very rarely for the 3% travel.

3. Amazon Store--I use this for special financing, which comes in handy if I'm below the threshold for Blispay.

Re: "Three Cards" Comenity/Synchrony Edition

Anonymous — Fri, 26 May 2017 19:33:29 GMT

@thummel wrote:
Virgin America-My personal favorite from Comenity anyway.
Marvel-Great for dinning out and entertainment.
Amazon Store Card-lets be real who doesn't shop on amazon?

I rarely shop at Amazon unless I need something that is very hard to find. Like a book mostly sold overseas. Prices are cheaper elsewhere and faster delivery. Also the Store Card only gives you money back if you have Amazon Prime. So you have a store card with an 132 dollar annual fee... I will pass. I guess the 0 percent financing is a good deal but as I said prices are higher than other online stores.

Re: "Three Cards" Comenity/Synchrony Edition

Anonymous — Fri, 26 May 2017 22:19:42 GMT

@wasCB14 wrote:
Build your hypothetical lineup out of cards from the oft-vilified Comenity and Synchrony.

I’m not fussy about the exact number of cards. I'm not a moderator, but I would appreciate it if we could minimize the number of “Barclaycard is just as bad” or "I couldn't live without my Platinum" detours. I intend this just as a sort of puzzle and not really for any practical purpose.

I’m thinking...

-A Virgin America Premium Visa (still with Comenity, I believe) would be nice as my main card, at least until Elevate is replaced with Alaska's Mileage Plan. However, it’s closed to new apps. They do fly my usual routes, and without Amex or Citi cards (for Delta/AA points and perks), loyalty to Virgin America could make sense. Getting Elevate Silver status based on my segment count would be possible. Even Gold wouldn't be out of the question.

-A Sam’s Club MC (Synchrony) could be useful for bonus categories.

Not sure beyond that...maybe a Stash card for the first year.

I like my Virgin America Premium card -- nice perks that make up for the annual fee if you use them

J Crew because I shop there and you get free tailoring with the card

Amazon because I live in NYC where everything is twice the price it should be

I'm thinking of the Marvel card, but as I just passed the 700 TU marker a couple of months agoI don't think the SL will be decent so will probably hold off for now.

Nice thread, OP.