topic Re: What is your Credit Card Wish List? in Credit Cards

What is your Credit Card Wish List?

The-Credit-Disciple — Mon, 10 Sep 2018 16:05:03 GMT

Great Morning Fico Fam😀
I hope you are having a Fantastic day!!

What is your Credit Card wish List? 3-2-1-goooooooooo😀
My Wish list is as Follows:
1. Amex Cash Magnet
2. Capital 1 Savor one (No Annual Fee)
3. Chase Amazon Prime Visa( I shop on amazon like crazy)

Re: What is your Credit Card Wish List?

MrDFinance — Mon, 10 Sep 2018 16:13:00 GMT

My list is a CSR or a CSP to later change to a CSR... Along with the SPG to have a hotel card with a annual free night worth more then the annual fee.....

AMEX Platinum I am still debating as the Annual fee for me will be harder to justify as the travel credits have more restrictions then the CSR....

I wanted the chase Amazon too but then changed my mind cause I don't want to share my overall internal chase limit with too many chase cards..... So I choose the store card instead ..... This way my future CSR will have a large limit aside my Chase Freedom

Re: What is your Credit Card Wish List?

Anonymous — Mon, 10 Sep 2018 16:19:20 GMT

Good question...up until last month, the top card on my wish list had been a NFCU card, particularly the cashRewards Visa. Guess what, that's what I got at the end of last month. Deciding on what new cards I might want to add to my portfolio is now a lot more difficult, and in truth I can only think of maybe two or three that particularly catch my interest for 2019. Something from Amex - possibly BCE, or maybe the new Cash Magnet - now, I suppose, holds pride of place on the want list, such as it now is, and then the BJ's Perks Mastercard (or maybe the Costco Anywhere Visa, bearing in mind that that's a Citi cobrand and my ability to get Citi cards is kind of in doubt because they were IIB'ed on a mortgage and on a co-branded Best Buy card in 2014). Aside from that...I really dunno. It seems more like my main objective for the upcoming year should be to grow my existing cards and consolidate them by combining cards (specifically, my two Discover IT's) or closing cards that I'm pretty sure I'm not going to use anymore.

Re: What is your Credit Card Wish List?

Anonymous — Mon, 10 Sep 2018 16:36:53 GMT

WOW!! I'm so glad someone asked this, because honestly I've been going about applying for cards in a willy-nilly fashion with not much rhyme or reason after 10+ years of 100% cash only living. Perfect opportunity to give it some thought.... After the app-sprees of this year I'm in the garden until 2020 I hope, but after that my wish list is:

1. Home Depot (if no changes occur to my current living arrangments--in a house built in 1970, gonna need some refurbishing soon)

2. Delta Skymiles (or Skymiles Gold, if enough travel will occur to offset the annual fee on the gold one--I THINK it has an AF)

3. Care Credit (doggies are getting older and the beagle is mentally challenged and might eat something that needs surgery to remove)

4. CLI on existing cards that make getting new ones not as appealing as said CLI

Re: What is your Credit Card Wish List?

Anonymous — Mon, 10 Sep 2018 16:44:33 GMT

Excellent question! This is something I think about regularly.
My goal cards are based on my spending habits:

1. Amex BCE or BCP
2. IKEA Projekt Card
3. Care Credit
4. Amazon Prime Store Card
5. Maybe Macy's
6. PC my Cap One Plat to Savor

Re: What is your Credit Card Wish List?

MrDFinance — Mon, 10 Sep 2018 16:49:32 GMT

"Missliz" Since your a member of penfed you might want to look into the PenFed Platinum Rewards card... If gives you the same 3% Cash back on groceries as the BCE and also gives you 5% on gas... No annual Fee

Re: What is your Credit Card Wish List?

Anonymous — Mon, 10 Sep 2018 16:52:28 GMT

@MrDFinance wrote:
"Missliz" Since your a member of penfed you might want to look into the PenFed Platinum Rewards card... If gives you the same 3% Cash back on groceries as the BCE and also gives you 5% on gas... No annual Fee

Holy Toledo, I never knew that! The only other card from Penfed I looked into was the Pathfinder, but it didn't make sense to app for that since I don't travel often. Thank you for this info!

Re: What is your Credit Card Wish List?

MrDFinance — Mon, 10 Sep 2018 16:53:41 GMT

No problem.. When I saw this card I had to check and recheck that it didn't have a annual fee.... I couldn't believe it lol....

Re: What is your Credit Card Wish List?

Anonymous — Mon, 10 Sep 2018 17:01:39 GMT

1. Amex Everyday - I've been carrying a small balance for a while on my Chase Freedom Unlimited but 0% period is about to end. Close to paying it off, but paying interest on it would slow the process. Need the AWESOME BT offer so I can have it paid off by early next year.

2. Barclays Uber Visa - Don't have a strong dining card.

3. PayPal Cash Back - Need a 2% card for when my miles match period on Discover IT Miles runs out, and Citi DC denied me last year. That taught me not to apply for 2 cards in 2 days when you haven't opened a card in 2+ years, lol.

Re: What is your Credit Card Wish List?

Anonymous — Mon, 10 Sep 2018 17:14:18 GMT

@MrDFinance wrote:
"Missliz" Since your a member of penfed you might want to look into the PenFed Platinum Rewards card... If gives you the same 3% Cash back on groceries as the BCE and also gives you 5% on gas... No annual Fee

Not quite, it gives points (5 on gas at pump, 3 on groceries). At best cash-like redemptions (Visa gift card), this comes out to about 2.5% on groceries and 4.2% on gas. So not as good as BCE on groceries (but much better on gas). On the plus side, groceries are uncapped and you get rewards at groceries outside the US (and more things code as supermarkets than with Amex)

Re: What is your Credit Card Wish List?

Anonymous — Mon, 10 Sep 2018 17:15:56 GMT

Nothing on my wish list. But if something really special comes up.....

Re: What is your Credit Card Wish List?

Anonymous — Mon, 10 Sep 2018 17:22:01 GMT

@Anonymous wrote:
@MrDFinance wrote:
"Missliz" Since your a member of penfed you might want to look into the PenFed Platinum Rewards card... If gives you the same 3% Cash back on groceries as the BCE and also gives you 5% on gas... No annual Fee
Not quite, it gives points (5 on gas at pump, 3 on groceries). At best cash-like redemptions (Visa gift card), this comes out to about 2.5% on groceries and 4.2% on gas. So not as good as BCE on groceries (but much better on gas). On the plus side, groceries are uncapped and you get rewards at groceries outside the US (and more things code as supermarkets than with Amex)

Thank you for this information. I'm a little embarrassed to admit that I don't fully understand "points" so I just stick with cash rewards. I really should study more.

Re: What is your Credit Card Wish List?

redpat — Mon, 10 Sep 2018 17:22:11 GMT

Having my September statement balances disappear.....

Re: What is your Credit Card Wish List?

Anonymous — Mon, 10 Sep 2018 19:11:47 GMT

After gardening for awhile, I will continue looking at cards with sign-up bonuses that maximize my cash-back, so:

1. Amex Blue Cash Everyday ($150 bonus, 3% on groceries - I have 2% with the Savor/Double Cash for now)
2. Wells Fargo Propel Amex ($200 bonus, 3% on gas and streaming services - I have 2% with the Double Cash for now)
3. Not sure yet, likely a hotel card like Chase IHG Premier for the big sign-up bonus and annual free night. Otherwise, Bank of America Cash Rewards for the sign-up bonus.

After getting these cards, and when all inquiries have fallen off, I will likely pursue a Chase Sapphire Reserve since I’ll be doing more traveling by then.

Re: What is your Credit Card Wish List?

The-Credit-Disciple — Mon, 10 Sep 2018 17:42:41 GMT

My reasons for my list is:
1. Amex Cash Magnet will add to my cash back Portfolio, since I try my best to maximize the cash back rewards, plus I love Amex.

2. Capital Savor one card, me and The Wifey Love to try new Resturants, Date nights are plenty, so i can definitely maximize the 3% cash back on Dining😀 plus there is no annual fee
3. Chase Amazon Prime Visa, Lets just say I shop on Amazon almost every other day, according to the Amazon site i would have got $153 cash back in rewards so far this year. I need that card😁😁. I could go for the Amazon store card but i have Read "Horror" stories about how a lot of people not being able to pay there bill because not getting a statement and things like that. I believe Synchrony bank does the store card right? I would love some feed back from the Fico Fam on the Amazon store card

Re: What is your Credit Card Wish List?

Anonymous — Mon, 10 Sep 2018 17:53:59 GMT

@The-Credit-Disciple wrote:
My reasons for my list is:

3. Chase Amazon Prime Visa, Lets just say I shop on Amazon almost every other day, according to the Amazon site i would have got $153 cash back in rewards so far this year. I need that card😁😁. I could go for the Amazon store card but i have Read "Horror" stories about how a lot of people not being able to pay there bill because not getting a statement and things like that. I believe Synchrony bank does the store card right? I would love some feed back from the Fico Fam on the Amazon store card

I can't speak for anybody else, but for me, I've NEVER (granted, I've only had the card since May) had a single problem with my Amazon Prime Store Card. Like you, I shop at Amazon every other day almost (one year I had over 600 orders...I've cut down quite a bit since then). But the card has been great. I set up my online account as soon as I was approved and knew the card number. And I've been able to see my statements online the day they cut, plus I get 2 emails for each alert I have set. (One from Amazon.com Store Card Customer Service and a second one from Synchrony Bank for your Amazon.Com Store card) I will admit the posting of new charges seems laggy to me. Like, if I know I ordered something on Sunday but it is Tuesday and the order isn't even listed on "pending" I get mildly annoyed. But I'm an old school pen a paper kinda girl, so it isn't a deal breaker for me. If I know I've ordered and have the receipt I just put the amount into my spreadsheet and keep it moving. Eventually their online statement catches up.

The 5% back (for Prime members, which I"m sure you are if you're ordering every other day) makes the card well worth any minor hiccup to me. Plus I couldn't get a Chase card if the CEO showed up at my door and handed me one, it would poof into oblivion before it left his/her hands. So the store card is a clear winner. I have $31 in cash back now, after already cashing in $18 and $16.66 <--that number just bothered me so I couldn't let it sit and grow) on purchases. I've often said I should be the spokesperson for Amazon... and now I'll add to that spokesperson for Amazon Store Card... It's beyond awesome, IMHO

Re: What is your Credit Card Wish List?

Anonymous — Mon, 10 Sep 2018 18:04:32 GMT

@Anonymous wrote:
@The-Credit-Disciple wrote:
My reasons for my list is:

3. Chase Amazon Prime Visa, Lets just say I shop on Amazon almost every other day, according to the Amazon site i would have got $153 cash back in rewards so far this year. I need that card😁😁. I could go for the Amazon store card but i have Read "Horror" stories about how a lot of people not being able to pay there bill because not getting a statement and things like that. I believe Synchrony bank does the store card right? I would love some feed back from the Fico Fam on the Amazon store card
I can't speak for anybody else, but for me, I've NEVER (granted, I've only had the card since May) had a single problem with my Amazon Prime Store Card. Like you, I shop at Amazon every other day almost (one year I had over 600 orders...I've cut down quite a bit since then). But the card has been great. I set up my online account as soon as I was approved and knew the card number. And I've been able to see my statements online the day they cut, plus I get 2 emails for each alert I have set. (One from Amazon.com Store Card Customer Service and a second one from Synchrony Bank for your Amazon.Com Store card) I will admit the posting of new charges seems laggy to me. Like, if I know I ordered something on Sunday but it is Tuesday and the order isn't even listed on "pending" I get mildly annoyed. But I'm an old school pen a paper kinda girl, so it isn't a deal breaker for me. If I know I've ordered and have the receipt I just put the amount into my spreadsheet and keep it moving. Eventually their online statement catches up.

The 5% back (for Prime members, which I"m sure you are if you're ordering every other day) makes the card well worth any minor hiccup to me. Plus I couldn't get a Chase card if the CEO showed up at my door and handed me one, it would poof into oblivion before it left his/her hands. So the store card is a clear winner. I have $31 in cash back now, after already cashing in $18 and $16.66 <--that number just bothered me so I couldn't let it sit and grow) on purchases. I've often said I should be the spokesperson for Amazon... and now I'll add to that spokesperson for Amazon Store Card... It's beyond awesome, IMHO

I've had my Amazon Store Card for two years and I have never had a problem. I was going to get the actual physical Visa, but it's easier to just keep the store card and earn close to the same (if not the same) rewards. Some charges may post a few days later, but I've never had problems paying them off. I made $96 in cash back off Amazon from July's Prime Day shenanigans.

Re: What is your Credit Card Wish List?

Anonymous — Mon, 10 Sep 2018 21:06:59 GMT

Chase Amazon Prime Visa - I'm an Amazon Prime Member and shop on Amazon A LOT! I know I could go with the Amazon Prime store card, but I'm not thrilled with the idea of Synchrony Bank.

Chase Freedom Unlimited - For the additional UR points.

Chase Sapphire Reserve - Either an upgrade from my CSP or wait the additional time (48 mo total) and apply for the SUB.

I've pretty much got everything else covered based on my spend. If I buy a home next year I might need to consider a Lowes card, but hopefully not.

Re: What is your Credit Card Wish List?

Anonymous — Mon, 10 Sep 2018 18:12:14 GMT

Most of the cards I wanted or even considered getting no longer exist. And I'm LOL/24 for Chase. So basically I'm set in the card world.

~~1. Citi Prestige Card~~

~~2. Ritz-Carlton Card~~

3. Chase Sapphire Reserve Card

Re: What is your Credit Card Wish List?

Malcono — Mon, 10 Sep 2018 18:19:22 GMT

Chase Amazon Prime Visa - I shop on Amazon too often not to have this card.

Chase Sapphire Reserve - I eventually want to upgrade my CSP.

I'm thinking of eventually PC'ing my Wells Fargo card to the Propel, when it won't hit my AAoA too much.

And I might get a card for groceries.

I think everything else I have pretty much set.