topic Re: Enharu, Creditaddict, and other CC gurus. in Credit Cards

Enharu, Creditaddict, and other CC gurus.

Shogun — Fri, 26 Jul 2013 22:43:04 GMT

Made my last big purchase for awhile, been in the garden until I bought my son a new car today. That's done... Now, time for my very first app spree. Throw me some out there. My travel is paid for by my employer, Government. So travel rewards arent that big of a deal for me.

I have DiscoverIT, Barclays NFL, and a few cards. Walmart, Lowes, etc.

So throw something out there for me,,, before I talk myself out of it! (already out of the garden, so I've gotten myself worked up for this)

Re: Enharu, Creditaddict, and other CC gurus.

myjourney — Fri, 26 Jul 2013 22:47:37 GMT

Oh we get the thrill of a spree with no INQ, no risk to scores and AAoA damage I'm in....Freedom and BCP

Re: Enharu, Creditaddict, and other CC gurus.

SnackTrader — Fri, 26 Jul 2013 23:00:29 GMT

When you say travel rewards - do you mean rewards for travel purchases or rewards to be redeemed for travel? My employer pays for all my travel expenses as well, but I use card rewards for personal travel, and find it quite valuable. For instance, $400 signup on Barclays Arrival...

Also, 1.5% cashback with no annual fee on CapOne Quicksilver is a good deal for general spending rewards. There aren't many better offers out there right now.

You could always load up on Barclays and get the SallieMae MasterCard to get 5% in spending up to $250 a month in a bunch of categories.

Whoever posted this yesterday was a genius:

http://boardingarea.com/frequentmiler/2012/11/09/best-category-bonuses/

Re: Enharu, Creditaddict, and other CC gurus.

Anonymous — Fri, 26 Jul 2013 23:04:33 GMT

If it is still available, and you are willing to push the envelope a little, I don't think you can easily beat the 5x TY card.

Re: Enharu, Creditaddict, and other CC gurus.

Anonymous — Fri, 26 Jul 2013 23:07:16 GMT

Saw in other thread that the closest branch is 100 miles away. So, just the plan is:

1) Drive to the branch

2) Apply for the card!

Edit: Add step 0, call the branch to make sure the offer is still available!

Re: Enharu, Creditaddict, and other CC gurus.

09Lexie — Fri, 26 Jul 2013 23:15:58 GMT

How do you feel amount Amex? BCP, BoA Cash Rewards, Freedom for their rotating categories. Personally, I'm not a big fan of Citi so I'll defer to others concerning their cc's.

I would say PenFed, FNBO, or Fid Amex too!

Re: Enharu, Creditaddict, and other CC gurus.

Anonymous — Fri, 26 Jul 2013 23:28:09 GMT

The only reason I push Citi is because of the financial value. BCP maxes out the top category (groceries) at $300 per year (and has a $75 fee). The 5x Citi gives 5% rather than 6%, but is uncapped, leading to much higher rewards, then it is 5% on gas, rather than BCP 3. It has drug stores rather than "select department stores" which is better for some and worse for others I guess. (But drug stores have value, see below!)

So even for normal use, it is a great card for 12 months, out-performing most other cards, at least those where you are not transferring miles to FF program.

And for "abnormal" spending, for those near a good CVS, or supermarket + Walmart.....

Re: Enharu, Creditaddict, and other CC gurus.

SnackTrader — Fri, 26 Jul 2013 23:32:53 GMT

Is that Citi card still available? Or is the jury still out on that one?

I haven't seen any recent success stories, but I also haven't seen Bigfoot in a long time either. I should really send him an email...

Re: Enharu, Creditaddict, and other CC gurus.

Shogun — Fri, 26 Jul 2013 23:50:54 GMT

I just got approved for the AMEX BXE, but no idea how much.....

Re: Enharu, Creditaddict, and other CC gurus.

myjourney — Fri, 26 Jul 2013 23:52:21 GMT

Congrats

BCE?

@Shogun wrote:
I just got approved for the AMEX BXE, but no idea how much.....

Re: Enharu, Creditaddict, and other CC gurus.

Shogun — Fri, 26 Jul 2013 23:53:21 GMT

lol.. Yes,, BCE... but how do I found out the amount?

Re: Enharu, Creditaddict, and other CC gurus.

myjourney — Fri, 26 Jul 2013 23:53:59 GMT

@Shogun wrote:
lol.. Yes,, BCE... but how do I found out the amount?

Call them

Re: Enharu, Creditaddict, and other CC gurus.

HiLine — Sat, 27 Jul 2013 00:00:05 GMT

Your work travels are paid for by the government, but you still have personal leisure trips to pay for on your own I would assume. In that case you should get a loyalty card or transferable points card because you will rack up miles very quickly. If you don't mind paying annual fees, I would suggest the SPG which is awesome for both hotel stays and flights. And you definitely should get an Amex card for extended warranty and easy transaction dispute if nothing else.

Well, looks like you already got the BCE anyway. BCE + SPG may be all you need for now ...

But, if you also travel abroad, you may want to consider a card without foreign transaction fee. May I suggest CSP (and couple it with the Freedom)? Or if you'd rather not pay an annual fee, consider Bankamericard Travel Rewards card.

Re: Enharu, Creditaddict, and other CC gurus.

Shogun — Sat, 27 Jul 2013 00:03:45 GMT

Just got the Chase Freedom for $6K. Only did it because the DW told me too. I fought with them for 6 months to get COs off my CR, and that wasn't that long ago. They were the last of the baddies I"ve had in the past to approve me for new.

Re: Enharu, Creditaddict, and other CC gurus.

HiLine — Sat, 27 Jul 2013 00:06:53 GMT

Congratulations in order!!!

You really hate annual fees don't you?

Re: Enharu, Creditaddict, and other CC gurus.

FocusedAndDetermined — Sat, 27 Jul 2013 00:07:42 GMT

@Shogun wrote:
I just got approved for the AMEX BXE, but no idea how much.....

Congrats!!

Re: Enharu, Creditaddict, and other CC gurus.

Shogun — Sat, 27 Jul 2013 00:09:04 GMT

Yes,,, don't actually spend that much. DW does 90% of the spending in my household. She has her own accounts. Ok.. truth be known, she does about 98% of the spending.

Re: Enharu, Creditaddict, and other CC gurus.

FocusedAndDetermined — Sat, 27 Jul 2013 00:10:05 GMT

@Shogun wrote:
Just got the Chase Freedom for $6K. Only did it because the DW told me too. I fought with them for 6 months to get COs off my CR, and that wasn't that long ago. They were the last of the baddies I"ve had in the past to approve me for new.

Congrats, again!!

Re: Enharu, Creditaddict, and other CC gurus.

myjourney — Sat, 27 Jul 2013 00:10:08 GMT

@Shogun wrote:
Just got the Chase Freedom for $6K. Only did it because the DW told me too. I fought with them for 6 months to get COs off my CR, and that wasn't that long ago. They were the last of the baddies I"ve had in the past to approve me for new.

Congrats samurai shogun

Slayer of lenders

Go get em

Re: Enharu, Creditaddict, and other CC gurus.

FocusedAndDetermined — Sat, 27 Jul 2013 00:10:22 GMT

@Shogun wrote:
Yes,,, don't actually spend that much. DW does 90% of the spending in my household. She has her own accounts. Ok.. truth be known, she does about 98% of the spending.

LOL!