I am sad 
One of the members that has both a lot of general spend (50%-total) and like it simple.
Would need ~15 cards to cover all categories, and each take time.
Was putting everything on the AOD // ~7.5 k - month
Figured the single card vs 15 cards, was giving up 2% of 50% spend.
About 1% of total of my spend ~75 /month
Without the AOD that loss is now larger.
Time to re think about Alliant or collect a few 5%, and live with
the loss of simplicity.
So sad really liked it simple. 
@Kforce wrote:I am sad
One of the members that has both a lot of general spend (50%-total) and like it simple.
Would need ~15 cards to cover all categories, and each take time.
Was putting everything on the AOD // ~7.5 k - month
Figured the single card vs 15 cards, was giving up 2% of 50% spend.
About 1% of total of my spend ~75 /month
Without the AOD that loss is now larger.
Time to re think about Alliant or collect a few 5%, and live with
the loss of simplicity.
So sad really liked it simple.
Or come over to the dark side, TRAVEL REWARDS :-)
@GZG wrote:
@CreditCuriosity wrote:Might be time to change rewards on Alliant card to Tier 1 from 1.5 to 2.5%... being whatever qualifying activities as that is capped 10k a month right?
Earn up to 2.5% cash back on your first $10,000 of qualifying eligible purchases (1.5% for purchases over $10,000
> 3. Maintain an average daily balance of $1,000 or more
I won't embarass myself with math, but I imagine making that worth it, not getting at least 5% on that $1k per month requires spend closer to the cap than not, no?
To get the 2.5 not only do you need an average daily balance of $1000.00 you need e statements and one electronic deposit a month....(transfer from another bank works, atm deposit.... you do not need a direct deposit from employer.....)
RIP to all you cardholders.
@redpat wrote:Or come over to the dark side, TRAVEL REWARDS :-)
The dark side requires one to travel.
It would be like me recomending cashback to an every week traveler. 
@Kforce wrote:I am sad
One of the members that has both a lot of general spend (50%-total) and like it simple.
Would need ~15 cards to cover all categories, and each take time.
Was putting everything on the AOD // ~7.5 k - month
Figured the single card vs 15 cards, was giving up 2% of 50% spend.
About 1% of total of my spend ~75 /month
Without the AOD that loss is now larger.
Time to re think about Alliant or collect a few 5%, and live with
the loss of simplicity.
So sad really liked it simple.
Don't be sad @Kforce! The good people at LTL Bank have a solution for people like you! Our card, and it's all you need, gives you 5% on ALL your purchases (net, returns not included etc etc). Very simple! And our SimpleSmartFee(R) , paid annually, is just based on a percentage (currently 20%) of your total net purchases for that year. Simple Simple Win Win. With a very reasonable non-refundable application fee.
@ptatohed wrote::cry: :cry: :cry: :cry: :cry: :cry:
I don't care about the interest rate but the $1500 cap is way too low for me.
Well, this ruined my day, thank you @CreditCuriosity , lol.
I agree with you. Almost since the day I got this card back in April 2020 I have done more than $1500 a month spend on this card. Wow, this stinks I haven't gotten the letter yet, but I am sure I will soon.
@Anonymous wrote:Don't be sad @Kforce! The good people at LTL Bank have a solution for people like you! Our card, and it's all you need, gives you 5% on ALL your purchases (net, returns not included etc etc). Very simple! And our SimpleSmartFee(R) , paid annually, is just based on a percentage (currently 20%) of your total net purchases for that year. Simple Simple Win Win. With a very reasonable non-refundable application fee.
-15% rewards, good find 