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Blue Cash Everyday Approval

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Varsity_Lu
Regular Contributor

Re: Blue Cash Everyday Approval


@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.

Blue Cash PreferredBlue Cash EverydaySavorQuicksilverVoice Rewards
FICO® 8: 781 (Eq) | 748 (Ex) | 774 (TU)
Garden Club Member Since 9/14/24

Message 11 of 20
keekers
Valued Contributor

Re: Blue Cash Everyday Approval

Congrats.


Message 12 of 20
IcyCool7227
Regular Contributor

Re: Blue Cash Everyday Approval

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.

 

- Citi Custom Cash Card: Earn 5% in your top spending category up to $500 per billing cycle/month, then 1% cashback thereafter. 1% unlimited on everything else. Earn $200 cashback after you spend $1,500 in the first 6 months of account opening. 0% intro APR for the first 15 months.


- Old National Bank ccs have the same Elan Everyday Rewards Plus & Max Cash Preferred benefits above.

 
- PCM (People Caring More) Credit Union - Mastercard Platinum Rewards Card: 5% cashback on any purchase up to $50 per month/$600 per year! But it's only open to select employee groups of Green Bay, WI & Marinette, WI. Plus you have to have a direct deposit of at least $500 to waive the $49 annual fee along with maintaining an active Rewards Savings Program and No Fee checking account, plus a debit card and free virtual branch and estatements on all accounts. (https://pcmcu.org/loans/credit-card/)
 
- U.S. Bank Cash Plus Visa Signature Card: Earn 5% on two categories you choose up to $2,000 quarterly; 1% cashback thereafter. 2% cashback on one everyday category like gas stations & EV charging stations; restaurants or grocery stores. 1% cashback on everything else. 0% intro APR for the first 15 months. (Secured version also available.)
As of: 9/20/24:
EQ: 781 (prev. 747 on 8/7/24; 781 on 7/1/24; 785 on 3/28/24. 778 on 2/6/24; 773 on 1/26/24 & 750 on 1/7/24 & 626 on 6/7/24 & 652 in April 2023) - FICO 8
EX: 751 (prev. 729 on 8/7/24; 752 on 7/1/24; 761 on 755 on 2/6/24; 753 on 1/26/24 & 732 on 1/7/24 & 643 on 6/7/24 & 619 in April 2023) - FICO 8
TU: 756 on 9/6/24. - FICO 8.

Old TU - Credit Karma: 706 (prev. 759 on 7/1/24; 748 on 2/6/24; 744 on 1/26/24 & 689 on 1/7/24 & 6/7/24 & 654 in April 2023) - CreditKarma

Have:
- Amazon Prime Store Card: $10,000
- Capital One SavorOne Cash Rewards: $3,000
- Chase Freedom Flex: $1,000
- Discover it Cashback: $2,600
- Kohl’s Charge: $3,000
- Mercury Rewards Visa: $4,390
- Super Cash: Limit varies based on debit balance - doesn't show up in accounts anymore though on CRs.
Message 13 of 20
Varsity_Lu
Regular Contributor

Re: Blue Cash Everyday Approval

@IcyCool7227 

 

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.

Blue Cash PreferredBlue Cash EverydaySavorQuicksilverVoice Rewards
FICO® 8: 781 (Eq) | 748 (Ex) | 774 (TU)
Garden Club Member Since 9/14/24

Message 14 of 20
coreyb80
Super Contributor

Re: Blue Cash Everyday Approval

Congrats on the approval!

Message 15 of 20
Windchill92
Regular Contributor

Re: Blue Cash Everyday 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 Smiley Very Happy.


Gardening since 05 July 2024
Total Revolving CL: $92.5k
Inquiries: (as of 05 July 2024)
EX: 1/6, 2/12
EQ: 3/6 (2 auto), 4/12
TU: 1/6, 2/12
Message 16 of 20
cashorcharge
Community Leader
Super Contributor

Re: Blue Cash Everyday Approval

That's great!  Congratulations on your approval!! 👏🏼🥂

Message 17 of 20
FicoMike0
Valued Contributor

Re: Blue Cash Everyday 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.

Message 18 of 20
Jazee
Frequent Contributor

Re: Blue Cash Everyday Approval


@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?

Message 19 of 20
Varsity_Lu
Regular Contributor

Re: Blue Cash Everyday Approval

@Jazee 

 

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

Blue Cash PreferredBlue Cash EverydaySavorQuicksilverVoice Rewards
FICO® 8: 781 (Eq) | 748 (Ex) | 774 (TU)
Garden Club Member Since 9/14/24

Message 20 of 20
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