@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.
Congrats.
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.
@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 
.
