Re: Best Cards for Costco – A Quick Guide to Highe... - Page 4 - myFICO® Forums

Absolution16 · ‎03-27-2023

The info you gathered into such tightly organized fashion is so useful that I shared this with my colleagues as well. I also bookmarked this thread for future reference as I may eventually join Costco at some point.

Thank you again!!

ptatohed · ‎06-15-2023

@PullingMeSoftly

PMS,

This may be being too picky but in your list, Vantage West CU Connect Rewards Visa Signature (its actual name, which you may want to add) is listed as 5X with 1pt = to 1c. But, the card is actually advertised as true % cash back (no points).

https://vantagewest.org/personal/credit-cards/connect-rewards-visa/

[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card // primis Perks debit Visa (50c CB per transaction (5% CB or more up to $10 spend))

5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

PullingMeSoftly · ‎06-15-2023

@ptatohed wrote:
@PullingMeSoftly

PMS,
This may be being too picky but in your list, Vantage West CU Connect Rewards Visa Signature (its actual name, which you may want to add) is listed as 5X with 1pt = to 1c. But, the card is actually advertised as true % cash back (no points).

https://vantagewest.org/personal/credit-cards/connect-rewards-visa/

@ptatohed Thanks for the note about the Connect Rewards card name, added. (I also did the same for the Safe CU Cash Rewards Visa). With the Connect Rewards Visa you definitely earn points which go into your Vantage West Rewards account (both card points and bank bonuses pay into the rewards balance). Since I have the card, here is a screenshot of the interface:

(Edited to provide clearer screenshots)

Chase Sapphire Reserve Visa Infinite │ $35,000

Chase Freedom Visa Sig │ $28,700 │ 5% rotator

Chase United Club Visa Infinite │ $35,000

Bank of America Alaska Airlines Visa Sig │ $30,000

US Bank Altitude Reserve Visa Infinite │ $20,000 │ 4.5x mobile wallet...our time was too short, RIP

US Bank Altitude Go Visa Sig │ $25,000 │ 4x dining │ no FTF

US Bank Cash+ Visa Sig │ $25,000 │ 5% selectable rotator

Elan Financial Services/US Bank Fidelity Rewards Visa Sig │ $25,000

Citi Costco Anywhere Visa Sig │ $26,500 │ 5% Costco gas │ 4% gas

Citi Custom Cash MC │ $29,800 │ 5% selectable rotator

Citi Custom Cash MC │ $18,000 │ 5% selectable rotator

BMO Cash Back MC │ $15,000 │ 5% streaming

Barclays Banana Republic Rewards World MC │ $20,000 │ 5x Banana-Gap-Old Navy-Athleta

Provident CU Cash Back Visa Sig │ $25,000

NFCU Flagship Rewards Visa Sig │ $80,000

PenFed Platinum Rewards Visa Sig │ $12,000 │ 5x gas

PenFed Power Cash Rewards Visa Sig │ $36,200

AOD FCU Visa Sig │ $25,000 │ 3% everything

Affinity FCU Cash Rewards Visa Sig │ $25,000 │ 5% Amazon

Nusenda CU Platinum Cash Rewards Visa │ $25,000 │ 5% rotator

Safe CU Cash Back Visa │ $25,000 │ 5% selectable rotator

Vantage West CU Connect Rewards Visa Sig │ $25,000 │ RIP 5x...to the sockdrawer

Langley FCU Signature Cash Back Visa │ $25,000 │ 5% selectable rotator

ptatohed · ‎09-14-2023

@PullingMeSoftly

OG Chase freedom Visa, 5%.

I've thought about suggesting this before but it's only going to help a small group of people one quarter every several years. And, I wasn't even sure if Chase was going to bring back the 'Wholesale Clubs' category any more. But, since they are bringing back the Wholesale Clubs cat for Q4, 2023, I'll throw it out there. Up to you if you want to add it to the list.

So, for those with the OG Chase freedom Visa, they can receive 5% CB at Costco one quarter out of the year, every 2 - 3 years.

For historical perspective, freedom has had the Wholesale Clubs cat for the following past four years/quarters. So, let's say one quarter every 2.5 years average.

Q4 '23

Q1 '21

Q4 '18

Q2, Q3, Q4 '16 (I doubt we'll see 3 quarters out of the year ever again)

[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card // primis Perks debit Visa (50c CB per transaction (5% CB or more up to $10 spend))

5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

Hansolojr · ‎09-14-2023

Freedom Flex might give 5% for online Costco shop cards...give it a shot

@ptatohed wrote:
@PullingMeSoftly

OG Chase freedom Visa, 5%.

I've thought about suggesting this before but it's only going to help a small group of people one quarter every several years. And, I wasn't even sure if Chase was going to bring back the 'Wholesale Clubs' category any more. But, since they are bringing back the Wholesale Clubs cat for Q4, 2023, I'll throw it out there. Up to you if you want to add it to the list.

So, for those with the OG Chase freedom Visa, they can receive 5% CB at Costco one quarter out of the year, every 2 - 3 years.

For historical perspective, freedom has had the Wholesale Clubs cat for these past four quarters. So, let's say one quarter every 2.5 years average.
Q4 '23
Q1 '21
Q4 '18
Q2, Q3, Q4 '16 (I doubt we'll see 3 quarters out of the year ever again)

ptatohed · ‎02-10-2025

@PullingMeSoftly

PMS, I'm bumping this thread in case you'd like to add the US Bank Smartly Visa at the 2.5%, 3.0%, and 4.0% CB levels.

[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card // primis Perks debit Visa (50c CB per transaction (5% CB or more up to $10 spend))

5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

Best Cards for Costco – A Quick Guide to Higher Rewards

Re: Best Cards for Costco – A Quick Guide to Higher Rewards

Re: Best Cards for Costco – A Quick Guide to Higher Rewards

Re: Best Cards for Costco – A Quick Guide to Higher Rewards

Re: Best Cards for Costco – A Quick Guide to Higher Rewards

Re: Best Cards for Costco – A Quick Guide to Higher Rewards

Re: Best Cards for Costco – A Quick Guide to Higher Rewards

Best Cards for Costco – A Quick Guide to Higher Rewards

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Re: Best Cards for Costco – A Quick Guide to Higher Rewards

Re: Best Cards for Costco – A Quick Guide to Higher Rewards

Re: Best Cards for Costco – A Quick Guide to Higher Rewards

Re: Best Cards for Costco – A Quick Guide to Higher Rewards

Re: Best Cards for Costco – A Quick Guide to Higher Rewards

Re: Best Cards for Costco – A Quick Guide to Higher Rewards

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