@kdm31091 wrote:
@Anonymous wrote:
@Anonymous wrote:These cards are incredibly pretty, I particularly love the Captain. I soooo wish I could justify getting it. But I have too many cards as it is and this wouldn't have a use.
In a way I wish the mainstream cards had cool branded designs like this available to choose. Discover should work on that since they already have a bunch of nice options, create some franchise/brand designs like they do for sports.
Looking at your signature, I don't see any card that gives you 3% (or more) cash back in any of the Marvel card's bonus areas (dining, huge list of 'entertainment') so why do say it wouldn't have a use?
Saving money is a use
...not that I'm advocating that you need another card haha - just playing devil's advocate here!
They already have a Double Cash, so the Marvel is just a 1% gain on two categories. If you don't spend that much on the dining/entertainment categories, the extra 1% may not be worth opening a new account. They already have several cards, and the more you spread your spend, the more diluted the rewards are.
Not to say Marvel's a bad option, but it doesn't always make sense to chase the small gains by opening more and more accounts.
That's true - "worth opening a new account" is completely a personal choice. I'd be a little shocked if anyone who doesn't have a 3%+ card for dining or entertainment really couldn't save money with one though.
It's totally possible for sure, but again it would surprise me that someone on these boards never eats out, or engages in any of the very long list of "entertainment" items the Marvel card specifies.
Captain America came today... I think its a neat looking card. App'd late on 4/15 and he was in today's mail! Now to order my tix for Civil War! yay
@Anonymous wrote:
@kdm31091 wrote:
@Anonymous wrote:
@Anonymous wrote:These cards are incredibly pretty, I particularly love the Captain. I soooo wish I could justify getting it. But I have too many cards as it is and this wouldn't have a use.
In a way I wish the mainstream cards had cool branded designs like this available to choose. Discover should work on that since they already have a bunch of nice options, create some franchise/brand designs like they do for sports.
Looking at your signature, I don't see any card that gives you 3% (or more) cash back in any of the Marvel card's bonus areas (dining, huge list of 'entertainment') so why do say it wouldn't have a use?
Saving money is a use
...not that I'm advocating that you need another card haha - just playing devil's advocate here!
They already have a Double Cash, so the Marvel is just a 1% gain on two categories. If you don't spend that much on the dining/entertainment categories, the extra 1% may not be worth opening a new account. They already have several cards, and the more you spread your spend, the more diluted the rewards are.
Not to say Marvel's a bad option, but it doesn't always make sense to chase the small gains by opening more and more accounts.
That's true - "worth opening a new account" is completely a personal choice. I'd be a little shocked if anyone who doesn't have a 3%+ card for dining or entertainment really couldn't save money with one though.
It's totally possible for sure, but again it would surprise me that someone on these boards never eats out, or engages in any of the very long list of "entertainment" items the Marvel card specifies.
It's not so much about if you "never eat out", etc; it's just about these things not representing enough of a gain. If you spend $500 a month on dining/entertainment, that extra 1% gain is only an extra $5, which may or may not be worthwhile. If you spend less than that, the gain is even less. So, it's likely the person upthread decided that 1% gain wasn't worthwhile enough. Others will find it plenty worthwhile. So yes, pretty much anyone can save a bit with the new 3% card; it's just that the actual savings, in dollars, may not be all that significant.
@kdm31091 wrote:
@Anonymous wrote:
@kdm31091 wrote:
@Anonymous wrote:
@Anonymous wrote:These cards are incredibly pretty, I particularly love the Captain. I soooo wish I could justify getting it. But I have too many cards as it is and this wouldn't have a use.
In a way I wish the mainstream cards had cool branded designs like this available to choose. Discover should work on that since they already have a bunch of nice options, create some franchise/brand designs like they do for sports.
Looking at your signature, I don't see any card that gives you 3% (or more) cash back in any of the Marvel card's bonus areas (dining, huge list of 'entertainment') so why do say it wouldn't have a use?
Saving money is a use
...not that I'm advocating that you need another card haha - just playing devil's advocate here!
They already have a Double Cash, so the Marvel is just a 1% gain on two categories. If you don't spend that much on the dining/entertainment categories, the extra 1% may not be worth opening a new account. They already have several cards, and the more you spread your spend, the more diluted the rewards are.
Not to say Marvel's a bad option, but it doesn't always make sense to chase the small gains by opening more and more accounts.
That's true - "worth opening a new account" is completely a personal choice. I'd be a little shocked if anyone who doesn't have a 3%+ card for dining or entertainment really couldn't save money with one though.
It's totally possible for sure, but again it would surprise me that someone on these boards never eats out, or engages in any of the very long list of "entertainment" items the Marvel card specifies.It's not so much about if you "never eat out", etc; it's just about these things not representing enough of a gain. If you spend $500 a month on dining/entertainment, that extra 1% gain is only an extra $5, which may or may not be worthwhile. If you spend less than that, the gain is even less. So, it's likely the person upthread decided that 1% gain wasn't worthwhile enough. Others will find it plenty worthwhile. So yes, pretty much anyone can save a bit with the new 3% card; it's just that the actual savings, in dollars, may not be all that significant.
I actually didn't realize how broad of a category their "Select Entertainment" is, I assumed it was very limited Marvel related stuff and maybe movie theaters. Looking at the list on their site, I'm very impressed. With that said, the responses from people in this chain are accurate.
I really don't spend much at all on dining, I would say it's my lowest spend out of any major category. Entertainment gets more, especially with such a wide range that they have, but I don't think it'd be enough to warrant the new account for an extra 1% on a lower spend category. At this point my wallet is maxed and I already have cards I can't carry, so something would have to have really good value to be seriously considered.
It's also worth noting I have the Discover It and Chase Freedom, both of them usually have a dining and potentially entertainment quarter. So I already may have up to 6 months of 5% in those areas from them.
@Anonymous wrote:
@kdm31091 wrote:
@Anonymous wrote:
@Anonymous wrote:These cards are incredibly pretty, I particularly love the Captain. I soooo wish I could justify getting it. But I have too many cards as it is and this wouldn't have a use.
In a way I wish the mainstream cards had cool branded designs like this available to choose. Discover should work on that since they already have a bunch of nice options, create some franchise/brand designs like they do for sports.
Looking at your signature, I don't see any card that gives you 3% (or more) cash back in any of the Marvel card's bonus areas (dining, huge list of 'entertainment') so why do say it wouldn't have a use?
Saving money is a use
...not that I'm advocating that you need another card haha - just playing devil's advocate here!
They already have a Double Cash, so the Marvel is just a 1% gain on two categories. If you don't spend that much on the dining/entertainment categories, the extra 1% may not be worth opening a new account. They already have several cards, and the more you spread your spend, the more diluted the rewards are.
Not to say Marvel's a bad option, but it doesn't always make sense to chase the small gains by opening more and more accounts.
That's true - "worth opening a new account" is completely a personal choice. I'd be a little shocked if anyone who doesn't have a 3%+ card for dining or entertainment really couldn't save money with one though.
It's totally possible for sure, but again it would surprise me that someone on these boards never eats out, or engages in any of the very long list of "entertainment" items the Marvel card specifies.
*raises hand* I never eat in restaurants and take-out is now a once in a blue moon thing for me (and it would be Panera). I'm not sure what extent entertainment covers but most of my spend is covered by Sallie Mae (groceries and Amazon - I buy all my books, DVDs, games, etc. on Amazon). Everything else just goes on QS. My spend is so low anyway (well less than $1k/month, probably average around $600-800 a month) that an extra 1.5% on dining and entertainment not covered by Sallie Mae would make much of a difference.
But I'd be lying if I said I did not want a card with Spider-Man on it! 
Quicksilver $10,000 | Better Balance Rewards $2000 | Sallie Mae $3500 | Freedom $3500
@Callandra wrote:
@Anonymous wrote:
@kdm31091 wrote:
@Anonymous wrote:
@Anonymous wrote:These cards are incredibly pretty, I particularly love the Captain. I soooo wish I could justify getting it. But I have too many cards as it is and this wouldn't have a use.
In a way I wish the mainstream cards had cool branded designs like this available to choose. Discover should work on that since they already have a bunch of nice options, create some franchise/brand designs like they do for sports.
Looking at your signature, I don't see any card that gives you 3% (or more) cash back in any of the Marvel card's bonus areas (dining, huge list of 'entertainment') so why do say it wouldn't have a use?
Saving money is a use
...not that I'm advocating that you need another card haha - just playing devil's advocate here!
They already have a Double Cash, so the Marvel is just a 1% gain on two categories. If you don't spend that much on the dining/entertainment categories, the extra 1% may not be worth opening a new account. They already have several cards, and the more you spread your spend, the more diluted the rewards are.
Not to say Marvel's a bad option, but it doesn't always make sense to chase the small gains by opening more and more accounts.
That's true - "worth opening a new account" is completely a personal choice. I'd be a little shocked if anyone who doesn't have a 3%+ card for dining or entertainment really couldn't save money with one though.
It's totally possible for sure, but again it would surprise me that someone on these boards never eats out, or engages in any of the very long list of "entertainment" items the Marvel card specifies.*raises hand* I never eat in restaurants and take-out is now a once in a blue moon thing for me (and it would be Panera). I'm not sure what extent entertainment covers but most of my spend is covered by Sallie Mae (groceries and Amazon - I buy all my books, DVDs, games, etc. on Amazon). Everything else just goes on QS. My spend is so low anyway (well less than $1k/month, probably average around $600-800 a month) that an extra 1.5% on dining and entertainment not covered by Sallie Mae would make much of a difference.
But I'd be lying if I said I did not want a card with Spider-Man on it!
The Spiderman artwork was the real reason I wanted the card.
The 3% cashback was just the way I justified it to myself 
