If you are interested in SUB Sign Up Bonus, check DOC.
https://www.doctorofcredit.com/best-current-credit-card-sign-bonuses
ETA It's not a complete list. It's missing a BoA Cash Rewards sub for $200. It's missing credit unions too.
@gamegrrl wrote:Yeah, the CapOne kind of squicked me out a bit, as I was so proud when I 'graduated' from them to bank cards. I was, frankly, not excited about getting a CapOne card, specifically.
The whole thing is about the $200 cash bonus anyway, so I'm looking at the Chase offer(s) and elsewhere to see what's out there while I decide if I want to do it.
Is $4000 in spend over 3 months feasible for you? I ask because the Chase Sapphire Preferred currently has its highest signup bonus ever at 80,000 points. That's equivalent to $800 straight cash back or $1000 with the travel portal and pay-yourself-back redemptions. The $95 annual fee is NOT waived the first year. After the first year, if you decide that it's not useful to keep, you can ask Chase to reallocate the credit limit to your Amazon card or downgrade it to Freedom Flex.
That Chase Sapphire looks like a great offer, and $4k would be doable, but I passed over it due to the $95 annual fee.
However, I did end up pushing the button on the Chase Freedom Unlimited this morning. It felt like a good card for me. One that I would keep and use. Also, I've had very good experiences working with Chase in the past with both my Amazon Prime card and my auto loan. Approved. They pulled Transunion and Experian. $16.5k limit.
Thank you to the poster who suggested this, and thank you all for your input!
Congratulations on your approval!
@gamegrrl wrote:
@sxa001 wrote:While some really do strive to have that 850 score and put in the time and effort to make that happen including being very very careful about what types of credit they apply for and I do not want to discount those opinons or the work that they put in, but the reality is once you are around 800 the occasional inquiry isn't going to hurt you, especially if you aren't planning to buy a house.
Now in this case, the card isn't worth the $200 bonus because I woudn't want to use the card after. But that is a personal opinion if it makes sense for your spend then sure but I agee with the other posters to look at CFF.This comment (bold, italic emphasis mine) really hit home. Honestly, I won't use the card again. I'm starting to think that getting another card JUST for the cash back is a bad idea for me.
Now you're talking.
@gamegrrl wrote:That Chase Sapphire looks like a great offer, and $4k would be doable, but I passed over it due to the $95 annual fee.
However, I did end up pushing the button on the Chase Freedom Unlimited this morning. It felt like a good card for me. One that I would keep and use. Also, I've had very good experiences working with Chase in the past with both my Amazon Prime card and my auto loan. Approved. They pulled Transunion and Experian. $16.5k limit.
Thank you to the poster who suggested this, and thank you all for your input!
Enjoy it. It's an excellent card.
@gamegrrl wrote:That Chase Sapphire looks like a great offer, and $4k would be doable, but I passed over it due to the $95 annual fee.
However, I did end up pushing the button on the Chase Freedom Unlimited this morning. It felt like a good card for me. One that I would keep and use. Also, I've had very good experiences working with Chase in the past with both my Amazon Prime card and my auto loan. Approved. They pulled Transunion and Experian. $16.5k limit.
Thank you to the poster who suggested this, and thank you all for your input!
Congratulations on your Chase Freedom Unlimited approval!
As @randomguy1 pointed out the chase freedom cards are a better option along with the us bank cash+ both have 200 dollars for spending 500. I use my cash+ for every household bill and then some, you can get 5% back on that too. I think you'd be happy with either one and could continue to use them to gain a more cash back after the Xbox purchase.
