AOD Visa Siggy Replacement

[coldfusion]

BTW there is 1 other borderline/placeholder option, if you live in the northeastern US - the Santander Ultimate Cashback Mastercard is a 3% cashback* card on the 1st $20K of unstructured spend over the first 12 months; no AF/FTF/cash advance/returned payment fee, 0% APR purchase or 0% BT with 3% fee for the 1st 12 months.   After the 1st 12 months or if the $20K/12 month threshold is reached the card reverts to a generic 1.5% card.   Unfortunately, no SUB. 

* I'm pretty sure cashback is processed as statement credits, much like the AOD VS, with no option to ACH or otherwise transfer it into a deposit account. 

[crystal626]

Discover Mile is 1.5% but has a match for the first year.

[ptatohed]

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@coldfusion wrote:

BTW there is 1 other borderline/placeholder option, if you live in the northeastern US - the Santander Ultimate Cashback Mastercard is a 3% cashback* card on the 1st $20K of unstructured spend over the first 12 months; no AF/FTF/cash advance/returned payment fee, 0% APR purchase or 0% BT with 3% fee for the 1st 12 months.   After the 1st 12 months or if the $20K/12 month threshold is reached the card reverts to a generic 1.5% card.   Unfortunately, no SUB. 

* I'm pretty sure cashback is processed as statement credits, much like the AOD VS, with no option to ACH or otherwise transfer it into a deposit account. 

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Link?  

[digitek]

I will throw in the Altitude Reserve here. Mobile Wallet is available pretty much everywhere in person now and it give x3 back for that. I have a 3% card and just stopped using it for the most part in favor of Alt Res. You can always use the points for cash back at 1-to-1 if you wanted to, but can be redeemed for travel outside of any portals for x1.5 redemption.

Looking at my spend I am getting around 2.5% cash back so about 80% of my spend is done with Mobile Wallet. If redeemed for travel it is about 3.5%, but the effective $75 annual fee does cut into that.

The two categories it falls short in is online purchases and restaurants that take your card at the table to make payment.

I have a pretty good Cashback lineup, but in the last few months I've been only using Altitude Reserve. Makes things really simple and I figure over a year it might cost me about $150 or so to not have to juggle so many cards for what one to use for what category in order to get the most Cashback possible. Since lots of cards have minimum redemption amounts there is always a few bucks left on the table so in a way it kind of breaks even or close.

I still use Amazon card for purchases there since it is so easy and no minimum redemption and that is most of my online spend.

Sign up bonus is huge and benefits, customer service, website/app are top tier. IMO it is the single best card available right now.

[coldfusion]

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@ptatohed wrote:

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@coldfusion wrote:

BTW there is 1 other borderline/placeholder option, if you live in the northeastern US - the Santander Ultimate Cashback Mastercard is a 3% cashback* card on the 1st $20K of unstructured spend over the first 12 months; no AF/FTF/cash advance/returned payment fee, 0% APR purchase or 0% BT with 3% fee for the 1st 12 months.   After the 1st 12 months or if the $20K/12 month threshold is reached the card reverts to a generic 1.5% card.   Unfortunately, no SUB. 

* I'm pretty sure cashback is processed as statement credits, much like the AOD VS, with no option to ACH or otherwise transfer it into a deposit account. 

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Link?  

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https://www.santanderbank.com/personal/credit-card

[ptatohed]

IF you spend $4k per month on non-category, and don't mind a $5 - $10/mo financial platform subscription.................

There is a Mastercard offered by the financial platform Greenlight (an investment platform focused on family and kids).  The card is not available yet, but there is a waitlist.  You can move yourself up on the waitlist if someone else joins the waitlist using a link you provide them (cheesy, if you ask me).  First 1,000 people to get the card get a $100 bonus.  It's a 1%, 2%, or 3% Cash Back on everything card based on monthly spend.

Earn 3% when you spend $4,000+ monthly

Earn 2% when you spend $1,000 - $3,999 monthly

Earn 1% when you spend <$1,000 monthly

Everyday 3% CB is, of course, the holy grail for many of us CB seekers.  But, ouch, $4,000+/mo is a lot of spend.  I don't think I have ever topped $3,000 on my AOD.  This card would have little appeal for those that would only meet the 1% or 2% CB spending levels.  And, if I understand correctly, I think you need to be a subscriber to one of their investment plans ranging form $5/mo to $10/mo to apply for the card.

I love to see a 3% card and maybe this card is right for some but I will have to skip this one.

https://greenlight.com/credit/family-cash-card

[Live4Fishing]

Wow... just now finding out the AOD signature is gone.   Glad I got it when I did.  I'm probably one of the last people that got it over a year ago.  I was actually already late to the game when I applied and they had tightened up the process of getting approved.  I got in through the bike club.... which I promptly cancelled as soon as I got approved and had the new card.   

[cws-21]

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@Live4Fishing wrote:

Wow... just now finding out the AOD signature is gone.   Glad I got it when I did.  I'm probably one of the last people that got it over a year ago.  I was actually already late to the game when I applied and they had tightened up the process of getting approved.  I got in through the bike club.... which I promptly cancelled as soon as I got approved and had the new card.   

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@Live4Fishing, I got my AOD Visa Signature on November 29th of last year, just under the wire it seems.

[CreditCobra]

I still have accounts opened at AOD, less than $25 sitting there. I had applied for the AOD Visa Signature after successfully getting into the credit union, only to get declined on the card. I figured that I'd just leave the accounts open and try again in six months or a year. Then they closed the card to new applications.

Does anyone see any point in leaving my deposit accounts open? They're not my primary financial institution. I rather doubt that this card is ever coming back.

[OmarGB9]

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@coldfusion wrote:

BTW there is 1 other borderline/placeholder option, if you live in the northeastern US - the Santander Ultimate Cashback Mastercard is a 3% cashback* card on the 1st $20K of unstructured spend over the first 12 months; no AF/FTF/cash advance/returned payment fee, 0% APR purchase or 0% BT with 3% fee for the 1st 12 months.   After the 1st 12 months or if the $20K/12 month threshold is reached the card reverts to a generic 1.5% card.   Unfortunately, no SUB. 

* I'm pretty sure cashback is processed as statement credits, much like the AOD VS, with no option to ACH or otherwise transfer it into a deposit account. 

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Yea but...Santander. Ew.

Also the fact that it's only temporarily 3% kinda nullifies it anyway.