cancel
Showing results for 
Search instead for 
Did you mean: 

I got the itch

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Established Contributor

Re: I got the itch

BOTW Cash Back card gives you 3% back on gas, groceries and dining, 1% on everything else plus. Price Protection/Extended warranty.  World Mastercard. No annual fee.

Message 11 of 29
Regular Contributor

Re: I got the itch

So, I’m thinking...Penfed’s Platinum VISA which gives me 5 pts per $1 for gas and I like US Banks Cash+ which is beneficial since I use Uber/Lyft daily and that falls into the 5% category.

Message 12 of 29
Valued Contributor

Re: I got the itch


@Procharged392 wrote:
So, I’m thinking...Penfed’s Platinum VISA which gives me 5 pts per $1 for gas and I like US Banks Cash+ which is beneficial since I use Uber/Lyft daily and that falls into the 5% category.

Just remember that PenFed's points have been devalued, so 5x points does not equal 5% anymore.  You actually get about 4.2% for gas purchases... and the redemptions are a bit complicated.

Chase Sapphire Reserve • PenFed Power Cash Rewards • and five cards in the sock drawer

No CC debt • No bonus chasing • No app sprees • No gift cards • No AZEO • No airline incidentals • No hotel cards • No store cards • No business cards • No authorized users
Message 13 of 29
Super Contributor

Re: I got the itch


@AverageJoesCredit wrote:
And the only cure is for more COWBELLSmiley Wink

ezgif.com-resize (1).gif







Message 14 of 29
Regular Contributor

Re: I got the itch

So based on the info, I would say msybe the Capital One Savor card. It looks great for dining and entertainment.
If you don't mind rotating 5% categories, the Discover It card is pretty good too.

ETFCU Auto Loan - NFCU CLOC $15k

In My Wallet:

NFCU Flagship Visa $17k
ETFCU Prim Plus MC $5k
NFCU More Rewards Amex $3k
Amex Marriot Business Bonvoy $3k
DiscoverIT $2.2
Amex Hilton Honors $1k

Dresser Wallet:

Wayfair $9k
JC Penny $6k
Walmart $3k
Zales $2.45
Belk $1.5k

Business Accounts:

Amazon Corporate $4.5k
Fuleman Fleet $1.2k
BP Business Solutions $1.2k
Staples $1k
Office Depot $1k
Quill $0.1k
Uline $0.1k

Sock Drawer:

CapOne QS1 $1.55k
Merrick Bank $1.4k
Amex Delta Blue $1k
USAA Classic Amex $0.5k
CarCare $0.5k
PayPal MC $0.3k
Target $0.3k

RIP:

Best Buy Visa $4k (AA)
Sportsman Guide Visa $2.5 (AA)
Citi AAdvantage $2.5k (AA)
Mattress Firm $1.5k (Closed for no activity)
Finger Hut $1k (Closed for no activity)
Home Depot $0.5k (AA)
Shell Gas $0.5k (AA)
CapOne Platinum $0.7k (Combined into QS1)
Credit One MC $0.45k (Closed)
Credit One Visa $0.8k (Closed)
First Premier Visa $0.7k (Closed)
Indigo $0.3k (Closed)
Avant $0.3k (Closed)
Message 15 of 29
Established Contributor

Re: I got the itch

You could consider the Sears card, Sams Club MC, or Ducks Unlimited for 5% on gas also. 



[2/2019]
Message 16 of 29
New Contributor

Re: I got the itch


@FortifiedHM wrote:

@Procharged392 wrote:
So I have the itch to add another card to my wallet. I use my CC for dining, gas, online shopping and Uber on a daily basis. Before I duplicate a card like I did with the chase unlimited and quicksilver(currently in the sock drawer) which are both 1.5% cash back I’m hoping someone can chime in on which card I should consider. My unlimited is my primary card, freedom is out of the question since I was denied couple months back.

I was about to suggest CSR so your freedom unlimited's earning becomes 2.25%... but... why were you denied for freedom? Did you open all your card in the last 24 months?

 

If you are under 5/24, consider a simple 2% reward card, citi DC, paypal MC. Then SD both freedom and QS.

I thought the CSR’s earning was 1.5%? Their 50,000 points are valued at $750. Am I doing the math wrong?


Current Cards:


Next Cards:
Message 17 of 29
Regular Contributor

Re: I got the itch

Read ducks unlimited were inq sensitive but I went ahead and applied anyways with 2 inquires the last 6 months. I received the 2-4 week notice so I’m not keeping my hopes up. Using the same HP, applied for the US Bank Cash+ and only approved with $1k SL. Since there’s a slim chance of approval from quack quack I’m considering the Costco Citi card, 4% on gas and gives me a reason to finally sign up for a Costco membership unless you guys have any recommendations I should consider.

Message 18 of 29
Regular Contributor

Re: I got the itch

I applied for the ducks unlimited through firstbankcard, are they affiliated with FNBO? My application got denied. Wondering if I should’ve went through FNBO but looks like no product is available in California.

I’m planning on applying for Costco’s Citi CC tomorrow morning. Is the HP from firstbankcard still good for a couple days? Would like to avoid multiple HP with my thin history.

Message 19 of 29
New Contributor

Re: I got the itch

Just out of curiosity - since you’re on the precipice of 3 pulls in 3 days....was your US Bank $1k approval instant?

 

Typically, and for the most part, their approvals are manual. Instead of another inquiry, may I suggest you call UW for a manual recon?  You may get better results and a more impressive SL going this route before looking to another lender for an additional card. 


Discover IT - USAA AmEx Cash Rewards
US Bank Cash+ - AmEx Cash 365
Nordstrom Visa - Amazon Prime Corporate
In a former life, I was a poker player. I no longer rely on luck.
Message 20 of 29
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.