topic Re: Visa Cards in Credit Cards

Visa Cards

micvite — Thu, 13 Jan 2022 07:06:46 GMT

So I have everything other than a visa and a diners club (well I have discover so same difference lol)

I would like to get a visa infinite, if not a signature at least, this year and I'm not really sure what the best issuer would be in terms of AF, rewards, limits etc. Chase I believe is still out of the question for me (I was issued a "DO NOT OPEN NEW ACCOUNTS" flag on my profile and I doubt it's gone anywhere) so what are my other options? I basically have food and airlines covered with AMEX, I use Discover for 5% rotating, and alternate my CITI DC with cap 1 QS for day to day spending (So I make sure my statement balance is what I want it to be). Ideally I'd like something that provides rewards for transportation (gas, tolls, electric charging), or furniture/home remodeling or if I'm missing some random category of rewards that I didn't think existed that I use day to day anyway lol... (Don't really shop at amazon that much).

Appreciate any advice, and please mention if the bank is inq sensitive or not so I know when I should apply for it. I also prefer points over CB as long as there are good redemption partners and I can get good value out of them (comparible to MR points for example)

Re: Visa Cards

ptatohed — Thu, 13 Jan 2022 08:06:50 GMT

Citi Custom Cash? 5% in your top spending category.

Re: Visa Cards

micvite — Thu, 13 Jan 2022 08:10:47 GMT

@ptatohed wrote:
Citi Custom Cash? 5% in your top spending category.

Pretty sure that's... a mastercard NOT a VISA also 500 a month isn't going to cut it lol.

Re: Visa Cards

staticvoidmain — Thu, 13 Jan 2022 08:27:12 GMT

I use Costco Visa Signature (VS for $5K+) for gas and some "transportation" like rental or airlines. Very useful in places that do not accept Amex (no FTF), in your case. AF is $60, Costco membership included

That said, Citi does opt-in/opt-out of network benefits. However, Costco Citi seems to be among the most immune to this, on their portfolio and retains most of the benefits (thanks to Costco, probably).

Re: Visa Cards

jcooks — Thu, 13 Jan 2022 09:49:48 GMT

Cap One Venture X is a Visa Infinite.

Re: Visa Cards

micvite — Thu, 13 Jan 2022 16:54:14 GMT

@jcooks wrote:
Cap One Venture X is a Visa Infinite.

Oh? That's interesting I didn't know. Any clue how the redemptions are? Not very versed in cap 1 points but I heard venture miles weren't that great?

Re: Visa Cards

jcooks — Thu, 13 Jan 2022 18:16:22 GMT

Points redemption value changes drastically depending on how you redeem. You can probably find a list of their travel partners and most of them do transfer to a 1:1 to different hotel/airline programs.

Re: Visa Cards

MrDisco99 — Thu, 13 Jan 2022 21:52:26 GMT

Why do you specifically need a Visa? Apart from Costco, I've never seen any difference in acceptance between Visa and MC.

Amex can be spotty particularly among small businesses. Discover is pretty good in the US, but can be a challenge abroad. Visa and MC are pretty much universal, though. Just my own observations.

Re: Visa Cards

micvite — Fri, 14 Jan 2022 02:25:39 GMT

@MrDisco99 wrote:
Why do you specifically need a Visa? Apart from Costco, I've never seen any difference in acceptance between Visa and MC.

Amex can be spotty particularly among small businesses. Discover is pretty good in the US, but can be a challenge abroad. Visa and MC are pretty much universal, though. Just my own observations.

It's a want rather than a need, it's just something to have... One example is costco, but I've had other situations at smaller businesses that only would take visa for example (having an exclusive contract with them gives you a better rate apparently)

Re: Visa Cards

MrDisco99 — Sat, 15 Jan 2022 03:28:56 GMT

@micvite wrote:
@MrDisco99 wrote:
Why do you specifically need a Visa? Apart from Costco, I've never seen any difference in acceptance between Visa and MC.

Amex can be spotty particularly among small businesses. Discover is pretty good in the US, but can be a challenge abroad. Visa and MC are pretty much universal, though. Just my own observations.
It's a want rather than a need, it's just something to have... One example is costco, but I've had other situations at smaller businesses that only would take visa for example (having an exclusive contract with them gives you a better rate apparently)

Not that you asked, but my advice is to not treat your credit cards like collectibles. Find the products that actually benefit you and make a plan to get those. Don't chase products you don't actually need.

Re: Visa Cards

micvite — Sun, 16 Jan 2022 01:51:36 GMT

@MrDisco99 wrote:
@micvite wrote:
@MrDisco99 wrote:
Why do you specifically need a Visa? Apart from Costco, I've never seen any difference in acceptance between Visa and MC.

Amex can be spotty particularly among small businesses. Discover is pretty good in the US, but can be a challenge abroad. Visa and MC are pretty much universal, though. Just my own observations.
It's a want rather than a need, it's just something to have... One example is costco, but I've had other situations at smaller businesses that only would take visa for example (having an exclusive contract with them gives you a better rate apparently)
Not that you asked, but my advice is to not treat your credit cards like collectibles. Find the products that actually benefit you and make a plan to get those. Don't chase products you don't actually need.

Yeah I get that, I mean in that case i basically have everything I need for now(other than a gas card which I'll be getting later this year). Which is why I figured I could splurge on something I wanted and I can see as potentially useful. At least until I figure out how to please the Chase gods to let me back into the gates lol. Either way I appreciate the advice, and it's not like I apply for credit cards like crazy, I'm 1/24 currently with amex plat as my last one. everything else is 2 or more years old at this point.

Re: Visa Cards

Anonymous — Sun, 16 Jan 2022 19:27:08 GMT

@micvite wrote:
@MrDisco99 wrote:
Why do you specifically need a Visa? Apart from Costco, I've never seen any difference in acceptance between Visa and MC.

Amex can be spotty particularly among small businesses. Discover is pretty good in the US, but can be a challenge abroad. Visa and MC are pretty much universal, though. Just my own observations.
It's a want rather than a need, it's just something to have... One example is costco, but I've had other situations at smaller businesses that only would take visa for example (having an exclusive contract with them gives you a better rate apparently)

One thing to be aware of is that the network is not always a permanent thing! From time to time, so issuers force-change existing cards from one network to another.

Re: Visa Cards

NRB525 — Sun, 16 Jan 2022 19:37:51 GMT

@Anonymous wrote:
@micvite wrote:
@MrDisco99 wrote:
Why do you specifically need a Visa? Apart from Costco, I've never seen any difference in acceptance between Visa and MC.

Amex can be spotty particularly among small businesses. Discover is pretty good in the US, but can be a challenge abroad. Visa and MC are pretty much universal, though. Just my own observations.
It's a want rather than a need, it's just something to have... One example is costco, but I've had other situations at smaller businesses that only would take visa for example (having an exclusive contract with them gives you a better rate apparently)
One thing to be aware of is that the network is not always a permanent thing! From time to time, so issuers force-change existing cards from one network to another.

Ok, this is possible, but probably the least common event to weigh when looking at a new card.

Having a VISA and a MC can make a difference in certain situations. At a restaurant I visited in NL, they only accepted MC among CC and even debit cards. The flip is also possible, only VISA.

If the card in hand were to change from VISA to MC, that would have a runway of several months for the OP to adjust. Not a factor to stress over in the initial application.

Re: Visa Cards

Anonymous — Sun, 16 Jan 2022 20:26:15 GMT

@NRB525 wrote:

If the card in hand were to change from VISA to MC, that would have a runway of several months for the OP to adjust. Not a factor to stress over in the initial application.

Not in general, no. But if the major (or even only!) goal is to get "a visa"......

Re: Visa Cards

micvite — Sun, 16 Jan 2022 20:30:45 GMT

@Anonymous wrote:
@micvite wrote:
@MrDisco99 wrote:
Why do you specifically need a Visa? Apart from Costco, I've never seen any difference in acceptance between Visa and MC.

Amex can be spotty particularly among small businesses. Discover is pretty good in the US, but can be a challenge abroad. Visa and MC are pretty much universal, though. Just my own observations.
It's a want rather than a need, it's just something to have... One example is costco, but I've had other situations at smaller businesses that only would take visa for example (having an exclusive contract with them gives you a better rate apparently)
One thing to be aware of is that the network is not always a permanent thing! From time to time, so issuers force-change existing cards from one network to another.

Ironically I was hoping that was going to happen with my QS card when they started issuing visas... I was certain it was going to change and then it didn't 😅