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@Windchill92 wrote:
Congrats on the approvals, and glad to hear you'll be getting min 3% on almost everything.
Some folks here on the FF get a minimum of 4-5% on everything with their deck of cards—quite impressive if I say so myself.
OP @Varsity_Lu, do you have a flat rate 2% CB card? Would look into one of those when you're ready to app next. Citi DC, Fidelity Rewards, and SoFi are some to name a few. Slim chance Amex rolls out a flat rate 2x MR card...but I digress.
Cheers.
Maybe in a year or two. I think 3 accounts this year (my wife opened 4!) is cooking the credit report enough at this point. My 1.5% Quicksilver actually doesn't see much action because the BCP and SavorOne (and now BCE) covers most of the places we shop. Not in any rush to gain a half percent on a pretty low spend total at this point. It's more likely I go for a 5% card for a bigger spend category like gas or utilities. But we'll see.
FICO® 8: 781 (Eq) | 760 (Ex) | 774 (TU)
OP first congrats! Then you might want to consider the Amazon Prine Store Card by Synchrony Bank or the Chase Amazon card for 5% instead of the 3% you're getting. Here are a few cards for 5% utilities that I have in my personal list of ones I might get in the future:
- Alliance Credit Union - Max Cash Preferred Visa Signature: Earn 5% cashback on two categories of cell phone providers; TV, internet & streaming; & home utilities. Earn 2% cashback in another category of gas stations/ground transportation; restaurants/food delivery; & grocery stores/grocery store delivery. Earn 1% on everything else. Also earn a $150 bonus (15,000 points) after spending $500 in the first 90 days. 0% introductory APR for the first 12 billing cycles for balances transferred within 366 days from account opening. (Secured version also available.)
- Capital Credit Union: Max Cash Preferred MasterCard: 5% unlimited cashback in two categories of your choice of Cell Phone, TV, Internet, Streaming or Home Utilities; 2% unlimited cashback in one category of your choice (gas stations, ground transportation, restaurants, food delivery, grocery stores, or grocery delivery) & 1% unlimited cashback on all other purchases. $150 bonus reward after you spend $200 in the first 90 days of account opening.
- Old National Bank ccs have the same Elan Everyday Rewards Plus & Max Cash Preferred benefits above.
Yeah, I'm not paying $180 for Prime just to save 2% more off of $1,000 spent each year. I always get free shipping from Amazon and my experience has been that stuff comes almost as fast as with Prime shipping. I'd have to spend north of $3,600 each year just to break even with a Prime Visa. I already get $30 cash back with my current setup, so I'm good.
See my post above regarding my next card. Possibly the Elan Max Cash through my local bank, but we'll see. The word is they want a squeeky clean report to get aproved, no new accounts and no recent INQ. With the amount I've been apping this year I'm going to have to wait untill next fall if I go that route.
FICO® 8: 781 (Eq) | 760 (Ex) | 774 (TU)
Congrats on the approval!
@Varsity_Lu wrote:
@Windchill92 wrote:
Congrats on the approvals, and glad to hear you'll be getting min 3% on almost everything.
Some folks here on the FF get a minimum of 4-5% on everything with their deck of cards—quite impressive if I say so myself.
OP @Varsity_Lu, do you have a flat rate 2% CB card? Would look into one of those when you're ready to app next. Citi DC, Fidelity Rewards, and SoFi are some to name a few. Slim chance Amex rolls out a flat rate 2x MR card...but I digress.
Cheers.Maybe in a year or two. I think 3 accounts this year (my wife opened 4!) is cooking the credit report enough at this point. My 1.5% Quicksilver actually doesn't see much action because the BCP and SavorOne (and now BCE) covers most of the places we shop. Not in any rush to gain a half percent on a pretty low spend total at this point. It's more likely I go for a 5% card for a bigger spend category like gas or utilities. But we'll see.
Sounds like a solid plan!
Pick out a snazzy shovel and welcome to the garden club .
That's great! Congratulations on your approval!! 👏🏼🥂
I agree on the 2%. I got the wells active cash for 2% and $200 sub. Liked the sub, now eyeing 5% cards. Here's one in considering
https://www.langleyfcu.org/personal-credit-cards/signature-cashback
No sub.
@Varsity_Lu wrote:As I have mentioned on this forum before, my wife and I lived a cash-only life for a loooong time. Over 20 years. No loans or credit at all. But with the cost of everything going up, up, up the last few years (groceries to be specific) we decided to seek out additional ways to save. Enter credit cards.
Initially we both got BCP cards this year to save 6% on our groceries (we max out the cap on both cards) and have saved over $700 this year alone. Plus, we both got the $300 BCP SUB. It's been nice and eye opening. Plus, we get 3% on gas with BCP.
Once the CC journey started, we have been slowly adding a few cards to maximize savings in other big spend areas. We added SavorOne for dining, and I found Huntington Voice for utilities. Those three cards cover our largest 4 spending categories (grocery, gas, utilities, dining).
While we don't spend a ton at Amazon or Walmart, my wife decided to app for the BCE card since it gives 3% at those stores (well, Walmart.com at least). She was instantly approved and I don't think they even did a hard pull on her! She added me as and AU, but I probably won't carry this card. We'll just use it for online shopping.
At this point 99% of our purchase categories are now earning at least 3%.
What were your starting credit limits?
My starting limits on current cards:
BCP: $2,000 (opened 2/24)
BCE: $2,000 (opened 9/24)
SavorOne: $5,000 (opened 8/24)
Quicksilver: $2,000 (opened 7/22)
Voice: $3,100 (opened 9/24)
Current CL:
BCP: $12,000
BCE: $2,000
SavorOne: $10,000
Quicksilver: $12,000
Voice: $3,100
FICO® 8: 781 (Eq) | 760 (Ex) | 774 (TU)