Avant 2% cash back card actually a ̶3̶%̶ 2.98% catch-all

[bytechma]

I tried making personal loan payments with a debit card and here what worked for me:

Avant Personal Loan

- Coinbase Debit Card: worked and earning 0.5% of bitcoin

- Discover Debit Card: did not work

Lending Club Loan

- Coinbase Debit Card: worked and earning 0.5% of bitcoin

- Discover Debit Card: worked and earning 1% cash back 

I recall two to three years ago, crypto earning rates per $1 spent were 4% to 8% (except bitcoin). But have not seen any of those elevated rates in awhile. So I just leave my Coinbase card set to bitcoin.

[IcyCool7227]

Sorry for the delay in response, must have overlooked this. No Citi is not the only one. Mercury Rewards Visa and Synchrony cards accept direct debit pay while Discover accepts it via PayPal bill pay. Chase has given me mixed answers from two different reps saying it could be paid via the phone rep or at a branch with the other one saying no. FutureCard will no longer manually credit 1% for those payments either. 

[IcyCool7227]

potato head, I wouldn't hit Primis hard as they might close the account for abuse and you wouldn't want that. There is no set limit but I myself, wouldn't try more than 6 transactions per day for very small amounts and definitely not multiple 1 cent transactions in a row. It should be seen as normal, responsible spending and not simply to get a profit.

[kremonis]

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@Wu-Credit wrote:

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@IcyCool7227 wrote:

Has anyone gotten cashback with Affinity's cashback debit card for paying their credit card bills? I would like to know so I don't have to waste a Chex inquiry to find out. Other than that nowadays the best debit card to pay credit card bills is the 50 cent Primis one but I'm very careful not to charge lots of little amounts in a short time span as I don't want to be seen as abusing their rewards program.

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I can confirm as well. I can pay Citi over the phone but I just use a bill pay service that let's me use my Affinity debit.

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@Wu-Credit 

Is that bill pay service Paypal or something else? If not Paypal would you give the name of the bill pay service?

[Wu-Credit]

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@kremonis wrote:

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@Wu-Credit wrote:

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@IcyCool7227 wrote:

Has anyone gotten cashback with Affinity's cashback debit card for paying their credit card bills? I would like to know so I don't have to waste a Chex inquiry to find out. Other than that nowadays the best debit card to pay credit card bills is the 50 cent Primis one but I'm very careful not to charge lots of little amounts in a short time span as I don't want to be seen as abusing their rewards program.

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I can confirm as well. I can pay Citi over the phone but I just use a bill pay service that let's me use my Affinity debit.

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@Wu-Credit 

Is that bill pay service Paypal or something else? If not Paypal would you give the name of the bill pay service?

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PayPal.

[GatorCowboyLion]

Woah! I just signed up to pay my CCC with PayPal on my Affinity debit. If this works, and I don't see why it wouldn't, this makes DC an almost 3% card. This could be a sweet hack to increase the effective cashback % on every Citi card. Honestly, if it all works out, it makes it a priority for us to maximize multiple Citi Custom Cash cards, a Rewards+ each, and one DC. 

Has anyone tried NASA FCU for anything like this? It could be 2% extra for the first $250 yearly aka $12.5k spend ($250 hits on new years eve). This PayPal bill pay on Citi credit cards could be a little bit of a cash cow.

I know there's naysayers that like to poop on this kind of thing as being unsecured debit and time consuming, but I have a list of monthly online bill pay items I have to do manually anyhow, adding something like this to the list to keep a checking account minimally funded is actually very easy.

[Wu-Credit]

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@GatorCowboyLion wrote:

Woah! I just signed up to pay my CCC with PayPal on my Affinity debit. If this works, and I don't see why it wouldn't, this makes DC an almost 3% card. This could be a sweet hack to increase the effective cashback % on every Citi card. Honestly, if it all works out, it makes it a priority for us to maximize multiple Citi Custom Cash cards, a Rewards+ each, and one DC. 

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It's capped at $10/month. Not much but every little helps.

Also, Affinity has recently restricted membership to people who live in NY, NJ, and CT. They are not as open access as they used to be, so anyone looking to get their cash back debit may want to save a chex inquiry if not in their footprint.

[GatorCowboyLion]

Yeah we have 2 Affinity debit cards,  I joined from out of area as family of a member (of my wife) earlier this month. So that's up to $240 per year, it works on Citi SYW and I'll know soon about CCC thru PayPal. I do agree, it's small potatoes, but it has opened my imagination to try other debit cards. Someone smarter than me could do the exact math but using the debit trick and Rewards+ could net 6.55% categories on CCC and 3.22% not categorized on DC. 

Pump those numbers up another percent if NASA FCU works. 

Waiting to hear how the Coinbase debit works.  We know that Disco debit has had trouble paying for CC's, and I would prefer to save the chex inquiry, but if there's a chance it works on either system, perhaps it's worth a shot. It's also a method of increasing credit gains for those of us stuck in the garden. 

[Wu-Credit]

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@GatorCowboyLion wrote:

Yeah we have 2 Affinity debit cards,  I joined from out of area as family of a member (of my wife) earlier this month. So that's up to $240 per year, it works on Citi SYW and I'll know soon about CCC thru PayPal. I do agree, it's small potatoes, but it has opened my imagination to try other debit cards. Someone smarter than me could do the exact math but using the debit trick and Rewards+ could net 6.55% categories on CCC and 3.22% not categorized on DC. 

Pump those numbers up another percent if NASA FCU works. 

Waiting to hear how the Coinbase debit works.  We know that Disco debit has had trouble paying for CC's, and I would prefer to save the chex inquiry, but if there's a chance it works on either system, perhaps it's worth a shot. It's also a method of increasing credit gains for those of us stuck in the garden. 

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I tried Coinbase debit the other day using PayPal bill pay, did not trigger any rewards. I think I read somewhere, however, that paying Citi by phone did.

[IcyCool7227]

Can anyone confirm Quontic works for credit card payment cashback? I wonder if you can have both the Wearable and Cashback checking accounts together?