topic Re: Double-Dipping with the Percents card? in Credit Cards

Percents - All Your Cards In One

ZAWARUDO — Sun, 25 Sep 2022 09:30:48 GMT

https://www.allyourcardsinone.com

Has anyone gotten off the waitlist and have more info on this? It seems to be similar to Curve.

Re: Percents - All Your Cards In One

calisig — Mon, 26 Sep 2022 05:15:30 GMT

I would never get it simply becasue it appears the only way you can get on the waitlist is to give them your mobile number! no thanks

Re: Percents - All Your Cards In One

ptatohed — Mon, 26 Sep 2022 05:57:51 GMT

No information on the home page. As my kids would say, seems "sus".

Re: Percents - All Your Cards In One

FireMedic1 — Mon, 26 Sep 2022 09:27:09 GMT

I wouldnt go near it. The domain name was created on 9/23/21 with Google Domains. Over a year for a waitlist website? No talk at all yet online about this company. Think of it this way. Been created over a year ago and no talk on here that I can remember about it? Then it doesnt pass the smell test.

Google Whois sites and type in the domain name.

Re: Percents - All Your Cards In One

OmarGB9 — Mon, 26 Sep 2022 14:21:37 GMT

Even the name just sounds like a mouthful.

Re: Percents - All Your Cards In One

DJRobbieD — Wed, 05 Oct 2022 23:22:17 GMT

I just got off their waitlist, an invite to be a beta tester. I'll give it a test drive and report back.

@ZAWARUDO wrote:
https://www.allyourcardsinone.com

Has anyone gotten off the waitlist and have more info on this? It seems to be similar to Curve.

Re: Percents - All Your Cards In One

SDMarik — Wed, 05 Oct 2022 23:57:10 GMT

@ZAWARUDO wrote:
https://www.allyourcardsinone.com

Has anyone gotten off the waitlist and have more info on this? It seems to be similar to Curve.

What is it? I can't find anything about what this card actually offers?

Re: Percents - All Your Cards In One

DJRobbieD — Thu, 06 Oct 2022 01:15:11 GMT

@SDMarik It's an alternative to the Curve Card, which has been available in the UK for some time now and is now rolling out to the US.

Unfortunately, the US Curve Card doesn't yet support Visa credit cards. The Percents Card appears to support Visa credit cards right away (as well as Mastercards and Discover). Also, while the US Curve Card appears to require a HP and new account reported to the CRAs, so far the Percents Card does not.

Percents card

SDMarik — Thu, 06 Oct 2022 21:54:12 GMT

So this Percents card that is starting to pop up, what's the point of this thing? I just clicked through the FAQ and it seems to just be a card/app that you can use and it automatically re-routes the spend to the card in your wallet that has the best rewards earning potential for the transaction. I guess it seems cool at surface level, but I'm also not sure if it's something really needed unless you have your spend split over a ton of cards and cant keep track of what to use when.

I guess it reports the payments and you're expected to make the card payments through Percents?

They sent me the link to download the app and congratulated me for being off the waitlist (lol), but I'm not about to plug all of my card info, for all of my cards into some Fintech app in Beta. Also, they don't support Amex so I don't really have much of an interest.

Wondering if anyone else has any more insight on this? TIA

Re: Percents card

wasCB14 — Thu, 06 Oct 2022 22:16:03 GMT

I'm pretty dubious of these services ever since a major once suggested I use my Sallie Mae MC to buy gas at Costco.

I know that was years ago, but does it know about available statement credits? Special offers? Minimum spend requirements? Purchase protections?

(And I will suggest a thread merge to mods.)

Re: Percents card

Anonymous — Thu, 06 Oct 2022 22:39:37 GMT

@wasCB14 wrote:
I'm pretty dubious of these services ever since a major once suggested I use my Sallie Mae MC to buy gas at Costco.

I know that was years ago, but does it know about available statement credits? Special offers? Minimum spend requirements? Purchase protections?

(And I will suggest a thread merge to mods.)

I think those are two different things. What you are describing are the "What card should I use to purchase X at Y" services, and I agree that they may vary in quality (from something to something, depending on viewpoint!). The FinTech cards like this and Curve allow to redirect previous spend to a new cc, which can be useful in the case of a mistake, or to push a "too early" transaction to a new quarter for a rotator.

Re: Percents card

wasCB14 — Thu, 06 Oct 2022 23:08:41 GMT

@Anonymous wrote:
@wasCB14 wrote:
I'm pretty dubious of these services ever since a major once suggested I use my Sallie Mae MC to buy gas at Costco.

I know that was years ago, but does it know about available statement credits? Special offers? Minimum spend requirements? Purchase protections?

(And I will suggest a thread merge to mods.)
I think those are two different things. What you are describing are the "What card should I use to purchase X at Y" services, and I agree that they may vary in quality (from something to something, depending on viewpoint!). The FinTech cards like this and Curve allow to redirect previous spend to a new cc, which can be useful in the case of a mistake, or to push a "too early" transaction to a new quarter for a rotator.

We'll see what others report regarding the suggested or automated transaction card changes. My general point is that I'm cynical about how sophisticated their suggestions will be based on my past experience and the report that they don't support Amex.

I am curious how the card switching works. I think I've only seen that option on Uber. Does a merchant see one transaction cancelled and a new one created?

Re: Percents card

DJRobbieD — Sat, 08 Oct 2022 19:11:41 GMT

@SDMarik I received an invitation to be a Percents Card beta tester a couple days ago. Signing up and setting up your account was smooth in the beta app. I linked my various Visa and MasterCard credit cards (no Amex like you said, but that's not a deal breaker for me). Almost all of my credit cards were available in their card selection menu, so the rewards structures are pre-loaded. The only cards that required some intervention by customer support was (1) my BofA Premium Rewards card, as they needed to manually adjust the points rate to reflect my Platinum Honors Preferred Rewards status (1.75x multiplier), and (2) my Citi Custom Cash card, as they needed to know which category I'm using for the 5% cash back (e.g. Gas). My Elan Max Cash Preferred card is not yet in their card selection menu, which I pointed out to customer service, so they're working on setting up its rewards structure on their end (not a big issue for me since my two 5% categories are Home Utilities and Entertainment).

I was able to add the Percents Card to my Apple Wallet and use it immediately after setting up my account. I tested it out yesterday with a few Apple Pay transactions, one online and two in-person. All three transactions were correctly routed to the best card for rewards. Though unneccessary, I also tested re-routing a transaction to a different card, which Percents allows you to do while the charge is still pending (whereas Curve lets you do it up to 30 days after the transaction). Upon switching cards, the original card now shows a pending refund transaction (e.g. charge for $500, then refund for -$500). We'll see if both charges post to the original card, or if the offsetting pending charges simply fall off. (EDIT: the offsetting pending charges simply fell off the original card, so no posted transactions)

They overnighted my physical Percents Card, which is plastic (though customer support says they'll likely add metal cards further in the beta test). I received it this morning and will test drive it this weekend.

Overall, I'm optimistic that the Percents Card will take the guess work out of juggling various rewards cards. I was able to share an invitation with DW and she signed up as well. She loves the concept as she hates trying to remember which rewards card to use for every transaction.

@SDMarik wrote:
So this Percents card that is starting to pop up, what's the point of this thing? I just clicked through the FAQ and it seems to just be a card/app that you can use and it automatically re-routes the spend to the card in your wallet that has the best rewards earning potential for the transaction. I guess it seems cool at surface level, but I'm also not sure if it's something really needed unless you have your spend split over a ton of cards and cant keep track of what to use when.

I guess it reports the payments and you're expected to make the card payments through Percents?

They sent me the link to download the app and congratulated me for being off the waitlist (lol), but I'm not about to plug all of my card info, for all of my cards into some Fintech app in Beta. Also, they don't support Amex so I don't really have much of an interest.

Wondering if anyone else has any more insight on this? TIA

Re: Percents card

SDMarik — Fri, 07 Oct 2022 16:08:43 GMT

@DJRobbieD wrote:
@SDMarik I received an invitation to be a Percents Card beta tester a couple days ago. Signing up and setting up your account was smooth in the beta app. I linked my various Visa and MasterCard credit cards (no Amex like you said, but that's not a deal breaker for me). Almost all of my credit cards were available in their card selection menu, so the rewards structures are pre-loaded. The only cards that required some intervention by customer support was (1) my BofA Premium Rewards card, as they needed to manually adjust the points rate to reflect my Platinum Honors Preferred Rewards status (1.75x multiplier), and (2) my Citi Custom Cash card, as they needed to know which category I'm using for the 5% cash back (e.g. Gas). My Elan Max Cash Preferred card is not yet in their card selection menu, which I pointed out to customer service, so they're working on setting up its rewards structure on their end (not a big issue for me since my two 5% categories are Home Utilities and Entertainment).

I was able to add the Percents Card to my Apple Wallet and use it immediately after setting up my account. I tested it out yesterday with a few Apple Pay transactions, one online and two in-person. All three transactions were correctly routed to the best card for rewards. Though unneccessary, I also tested re-routing a transaction to a different card, which Percents allows you to do while the charge is still pending (whereas Curve lets you do it up to 30 days after the transaction). Upon switching cards, the original card now shows a pending refund transaction (e.g. charge for $500, then refund for -$500).

They overnighted my physical Percents Card, which is plastic (though customer support says they'll likely add metal cards further in the beta test). I received it this morning and will test drive it this weekend.

Overall, I'm optimistic that the Percents Card will take the guess work out of juggling various rewards cards. I was able to share an invitation with DW and she signed up as well. She loves the concept as she hates trying to remember which rewards card to use for every transaction.

@SDMarik wrote:
So this Percents card that is starting to pop up, what's the point of this thing? I just clicked through the FAQ and it seems to just be a card/app that you can use and it automatically re-routes the spend to the card in your wallet that has the best rewards earning potential for the transaction. I guess it seems cool at surface level, but I'm also not sure if it's something really needed unless you have your spend split over a ton of cards and cant keep track of what to use when.

I guess it reports the payments and you're expected to make the card payments through Percents?

They sent me the link to download the app and congratulated me for being off the waitlist (lol), but I'm not about to plug all of my card info, for all of my cards into some Fintech app in Beta. Also, they don't support Amex so I don't really have much of an interest.

Wondering if anyone else has any more insight on this? TIA

Interesting, if they add Amex I might very well give it a test drive. Did you only link cash back cards? Did you add any travel rewards cards with different category/vendor multipliers?

Re: Percents card

DJRobbieD — Fri, 07 Oct 2022 16:18:35 GMT

@SDMarik I wouldn't hold my breath for Amex support, either by Percents or Curve. Amex doesn't play well with others :-P

I linked a combination of cash back cards (e.g. AOD, Alliant) and points cards (e.g. Chase, BofA, Citi). Percents appears to calculate the earn rate for points cards based on the cash value of the points. In the case of BofA and Citi, that's 1.0ct/pt, but I was pleasantly surprised that for my Chase cards (CSR and CFU) they applied a 1.5ct/pt earn rate since I linked the CSR (which gives you the 50% bonus on UR redemptions).

@SDMarik wrote:
Interesting, if they add Amex I might very well give it a test drive. Did you only link cash back cards? Did you add any travel rewards cards with different category/vendor multipliers?

Re: Percents card

Anonymous — Fri, 07 Oct 2022 18:54:18 GMT

@Anonymous wrote:
@wasCB14 wrote:
I'm pretty dubious of these services ever since a major once suggested I use my Sallie Mae MC to buy gas at Costco.

I know that was years ago, but does it know about available statement credits? Special offers? Minimum spend requirements? Purchase protections?

(And I will suggest a thread merge to mods.)
I think those are two different things. What you are describing are the "What card should I use to purchase X at Y" services, and I agree that they may vary in quality (from something to something, depending on viewpoint!). The FinTech cards like this and Curve allow to redirect previous spend to a new cc, which can be useful in the case of a mistake, or to push a "too early" transaction to a new quarter for a rotator.

Correcting myself: I had missed that Percent does try to route to the best card. And if you can only redo transactions that are pending, that's a lot less interesting than Curve on that feature

Re: Percents card

toofast — Wed, 02 Nov 2022 09:13:16 GMT

<Mod snip: Sorry, that's not allowed on myFICO. --UB>

I've been using this for a few weeks, and really love it. The support is 1000x more responsive than Curve.

Re: Percents card

ptatohed — Wed, 02 Nov 2022 09:13:36 GMT

@toofast wrote:

I've been using this for a few weeks, and really love it. The support is 1000x more responsive than Curve.

Can you tell us more about it?

Re: Percents card

toofast — Wed, 02 Nov 2022 03:34:35 GMT

@ptatohed wrote:
Can you tell us more about it?

It's a service (app and physical card) that allows you to enter all your card details, and the charge is passed through the Percents card to the underlying card that offers the best points rate. So you only need to carry 1 card, and don't have to think about which card will give the best rate.

Eg: if you use it in a restaurant, it might could charge the Sapphire Reserve for 3x points, then fill-up with gas on the way home, it could charge your pen-fed rewards card for 5x.

You can also override the intelligence, and pick the card to use yourself, and you can go back in time, to move a payment between your cards.

It's still in beta, and there's some features coming soon that will improve it even more for me, but so far I love it.

Re: Percents - All Your Cards In One

UncleB — Wed, 02 Nov 2022 09:27:29 GMT

@DJRobbieD wrote:
@SDMarik It's an alternative to the Curve Card, which has been available in the UK for some time now and is now rolling out to the US.

Unfortunately, the US Curve Card doesn't yet support Visa credit cards. The Percents Card appears to support Visa credit cards right away (as well as Mastercards and Discover). Also, while the US Curve Card appears to require a HP and new account reported to the CRAs, so far the Percents Card does not.

Quick note about this, Curve is said to now require a HP but the $500 credit account it comes with doesn't report to any of the credit bureaus (at least mine doesn't).

If someone has a data point that this has changed I'm all ears (er, eyes).