topic New Card recommendations in Credit Cards

New Card recommendations

SFLSpotter9210 — Fri, 24 Jan 2025 22:05:51 GMT

Good afternoon all. It's been a little while since I've been on here. And I've had the itch to grab a new card. I'm basically looking for rewards and a possible 0% card either or. My signature is accurate as of today. I'd appreciate any and all your ideas. Thanks in advance and I hope all are doing well in this new year!

Re: New Card recommendations

unsungivy — Fri, 24 Jan 2025 22:19:35 GMT

@SFLSpotter9210 wrote:
Good afternoon all. It's been a little while since I've been on here. And I've had the itch to grab a new card. I'm basically looking for rewards and a possible 0% card either or. My signature is accurate as of today. I'd appreciate any and all your ideas. Thanks in advance and I hope all are doing well in this new year!

When you say rewards, are you Team Cashback or Team Travel?

Re: New Card recommendations

DakotaM — Fri, 24 Jan 2025 22:20:55 GMT

Maybe go for the Citi Custom Cash for the 5% categories? After that, assuming you aren't using the Citi Simplicity, you could product change it into a second Custom Cash (definitely app for one first!) for another 5% category or change it into a Rewards+ so you get a 10% boost on all your Citi spend.

Re: New Card recommendations

SFLSpotter9210 — Fri, 24 Jan 2025 22:26:21 GMT

@unsungivy sorry I'm referring to cash back. Thanks

Re: New Card recommendations

SFLSpotter9210 — Fri, 24 Jan 2025 22:27:12 GMT

@DakotaM good looking out thanks for the recommendations.

Re: New Card recommendations

GZG — Fri, 24 Jan 2025 23:10:02 GMT

biz cards at all?

any Chase Ink card, US Bank Triple Cash/WF Signify

otherwise, Citi Strata Premier, or Chase Sapphire Preferred come to mind

Re: New Card recommendations

SFLSpotter9210 — Sat, 25 Jan 2025 00:16:23 GMT

@GZG excellent choices I have a lot of information to digest and research. Thanks again.

Re: New Card recommendations

Anonymous — Sat, 25 Jan 2025 01:20:51 GMT

If you have $100K in an IRA or similar, US Bank Smartly is a major cashback card.

Re: New Card recommendations

SFLSpotter9210 — Sat, 25 Jan 2025 01:27:51 GMT

@Anonymous thank you I did see that great tool for sure.

Re: New Card recommendations

Realist — Mon, 27 Jan 2025 03:31:05 GMT

I find the Citi Strata card to be an excellent choice due to it's hybrid usage.

While it is a points rewards card, you can pull $750 in monetary value out of the card upon meeting the SUB offer. Or you can amply it's value if used with transfer partners. Very potent if used together with a P1 and P2 combo. I just had a post the other day how $1500 in rewards, could secure a $5000 in value vacation, so long as you don't have a wine/champagne and caviar taste.

Re: New Card recommendations

SFLSpotter9210 — Mon, 27 Jan 2025 14:15:56 GMT

@Realist hey thanks very much for your valuable intel. I will take it under advisement for sure. I'm in that very indecisive stage. Have a great week.

Re: New Card recommendations

Windchill92 — Mon, 27 Jan 2025 18:15:04 GMT

@SFLSpotter9210 Good that you're considering cash back since points are being devalued by the month.

Looks like you've got a decent CB cards already, but I'd recommend the Citi Custom Cash (CCC) or Chase Freedom Flex (CFF).

Cheers

Re: New Card recommendations

SFLSpotter9210 — Mon, 27 Jan 2025 22:37:55 GMT

@Windchill92 yeah those were actually the 2 I had narrowed it down to. I appreciate you reaffirming what others have stated. Have a great rest of your week.

Re: New Card recommendations

AndySoCal — Tue, 28 Jan 2025 00:26:45 GMT

@SFLSpotter9210 I see in your existing you have at least two fixed rate cash backs like Capital One Quick Silver 1.5% and Citibank Double Cash 2% to name two. For me I only have one like that I do not have enough spend for more than one. Here is a thought Citibank will let you do a product change from Double Cash to Customer Cash the same may be true for Citi Rewards card as well. The benefits are no inquiries and no FICO score drop. The potential draw back you would not get the SUB. If you have a card with a credit card company and are in another of there cards check for the possibility of a product change.

Re: New Card recommendations

SFLSpotter9210 — Tue, 28 Jan 2025 15:55:56 GMT

@AndySoCal thanks for your reply. I think at this moment I'm in a holding pattern. Not sure as you noticed I'm not really in need of another card. It's most definitely just the urge of the rush to see an approval almost like gambling at the dice table 🤪.