@Wavester64 wrote:
@Remedios wrote:Given "the goal" cards in OPs signature, applying for a new account would postpone meeting those goals by another year.
Chase isn't happening because of new accounts,, Go, same, Citi not happening due to new accounts, that only leaves Penfed but sub isn't $100 and @Wavester64 do you really need another 1.5%-2% cash back card? I have no idea if Nusenda offers SUB.
Also, Geico policies renew every six months, so that would be 4 cards in two years whenever premium is due, goal cards forever out of reach because there will be other apps.
Pay full six months premium, collect 3%
Yeah, no new accounts needed (or wanted) at the moment. I'll just stick to 3% on GEICO using AOD. Just wanted to see if anyone else was doing better ATM
My insurance renews in January and July. This July, Disco has PayPal quarter so if I decide to go cashback route, that's what I'll do.
With two teen drivers, one transaction and (over)done 
@collics wrote:
@TSlop wrote:
@NoHardLimits wrote:Have you thought about using the expense to meet the minimum spend for a signup bonus? I recently applied for a card and met the minimum spend within 2 days by charging my car insurance premium. Easy $500 SUB.
Do many insurance companies allow CCs for payment? I use Liberty Mutual, and I don't recall there being an option to use a CC for payment.
GEICO definitely takes credit cards. They even accept Apple Pay.
I pay them on my Apple Card via Apple Pay and get 2% back.
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@NoHardLimits i think that is the best idea. Pay the premium in full to meet a new card sub offer OP.
Interesting... I'll log into Liberty Mutual and check, but I am not going to hold my breath.
*Edit: Looks like they do, but they charge up to $6 per bill. Not enough to overcome the monthly rewards I'd earn.
@Remedios wrote:
@Wavester64 wrote:
@Remedios wrote:Given "the goal" cards in OPs signature, applying for a new account would postpone meeting those goals by another year.
Chase isn't happening because of new accounts,, Go, same, Citi not happening due to new accounts, that only leaves Penfed but sub isn't $100 and @Wavester64 do you really need another 1.5%-2% cash back card? I have no idea if Nusenda offers SUB.
Also, Geico policies renew every six months, so that would be 4 cards in two years whenever premium is due, goal cards forever out of reach because there will be other apps.
Pay full six months premium, collect 3%
Yeah, no new accounts needed (or wanted) at the moment. I'll just stick to 3% on GEICO using AOD. Just wanted to see if anyone else was doing better ATM
My insurance renews in January and July. This July, Disco has PayPal quarter so if I decide to go cashback route, that's what I'll do.
With two teen drivers, one transaction and (over)done
From what I could see on my account, Geico doesn't do paypal, so not a route for me (I was trying to use the 3% feature on the Paypal Cashback card, but 5% would be even better)
@longtimelurker wrote:
@Remedios wrote:
@Wavester64 wrote:
@Remedios wrote:Given "the goal" cards in OPs signature, applying for a new account would postpone meeting those goals by another year.
Chase isn't happening because of new accounts,, Go, same, Citi not happening due to new accounts, that only leaves Penfed but sub isn't $100 and @Wavester64 do you really need another 1.5%-2% cash back card? I have no idea if Nusenda offers SUB.
Also, Geico policies renew every six months, so that would be 4 cards in two years whenever premium is due, goal cards forever out of reach because there will be other apps.
Pay full six months premium, collect 3%
Yeah, no new accounts needed (or wanted) at the moment. I'll just stick to 3% on GEICO using AOD. Just wanted to see if anyone else was doing better ATM
My insurance renews in January and July. This July, Disco has PayPal quarter so if I decide to go cashback route, that's what I'll do.
With two teen drivers, one transaction and (over)done
From what I could see on my account, Geico doesn't do paypal, so not a route for me (I was trying to use the 3% feature on the Paypal Cashback card, but 5% would be even better)
You're right, I forgot about the demise of PPK. I think I'm in denial.
@C6 wrote:Ford rewards Visa offers 3% back on insurance plus an extra $200 annual reward if you spend $6000. That is a net to the customer of 6.3% assuming the $6000 spend.
I second the Fordpass Rewards card, and this is what I do. Get the normal 3% in Fordpass points and spend right at the yearly $6000 threshold to get the $200 annual bonus, which equates to a 6.3% cashback if you spend exactly $6000. But the normal 3% is in Fordpass points, which not everyone would be able to use.
Also, check your AMEX to see if you may have an offer for insurance payments. Three of the four cards in my family have a "Get 5% back as a statement credit by using your Card, up to a total of $15" offer (spend $300 to get the full $15 for each offer). This offer is good until the end of 2022.
@Wavester64 wrote:Yeah, no new accounts needed (or wanted) at the moment. I'll just stick to 3% on GEICO using AOD. Just wanted to see if anyone else was doing better ATM
Unfortunate that this is a category that eludes 5%, so like you I have mine set to AOD, haven't changed it for a year. There was a time when Safe CU offered a quarter for insurance premiums, but that didn't roll over into the 2022 calendar.
@Remedios wrote:
This July, Disco has PayPal quarter so if I decide to go cashback route, that's what I'll do.
Brilliant @Remedios
I have PayPal pointed to my BoA 123 card and try to use PayPal for one-off things (like insurance) to get 3% where no cards are a good fit.
**But it never occurred to me that 25% of the year I could be pointing PayPal to Discover and getting 5%. (Dohhh!)
Good wisdom. ....and a reminder that MANY places accept PayPal.
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@Duke_Nukem wrote:
@C6 wrote:Ford rewards Visa offers 3% back on insurance plus an extra $200 annual reward if you spend $6000. That is a net to the customer of 6.3% assuming the $6000 spend.
I second the Fordpass Rewards card, and this is what I do. Get the normal 3% in Fordpass points and spend right at the yearly $6000 threshold to get the $200 annual bonus, which equates to a 6.3% cashback if you spend exactly $6000. But the normal 3% is in Fordpass points, which not everyone would be able to use.
Also, check your AMEX to see if you may have an offer for insurance payments. Three of the four cards in my family have a "Get 5% back as a statement credit by using your Card, up to a total of $15" offer (spend $300 to get the full $15 for each offer). This offer is good until the end of 2022.
Yeah, I saw that a few weeks ago on the AMEX GOLD took advantage of it. That's what got me craving 5% going forward on the GEICO 
