@chhull00 wrote:
@AverageJoesCredit wrote:
But USBank is more conservative and may not be available to everyone.Yes i started with 500, but if i can get it surely anyone can, my profile was not the best back then
To me, US bank's 5% categories are in a lot of low spend categories, like streaming services. However, some of them are decent, but I found for my purposes a rotating 5% on 2 cards covers me well.
I have the DC card which I like a lot. They no longer have some of the perks they once had, like extended warranty, but I have enough spend on it to get 2% without the need for price protection or extended warranty.
If you need an extended warranty, after you build up your CC portfolio, you can use a 1% card that has extended warranties. For example, buy something for 2,000 dollars and by using the 1% card with extended warranty protection, you're essentially buying an extended warranty for $20 (you give up that extended warranty using the DC card which netted you and additional 1%, or $20.)
To the folks with the Citi DC, and PPMC -
Can you just let the rewards sit there and accrue before redeeming them? That’s what I like to do with my Discover card. I just let it sit there and build and use it for one lump purchase.
On the PPMC, the extra PayPal step doesn’t really bother me because I use PayPal regularly and I can easily transfer it to me bank account or just use it with my PayPal Cash Card (basically it’s a PayPal debit card that pulls from your PayPal.
Lastly, which card seems to typically have the higher initial CL?
We’re funneling on average around $3800 per month on the Discover card. When the Discover cash match expires after the first year, I’ll be using whichever card I choose to primarily as our everyday card. I’ll still use the Discover for the 5% categories, but I don’t always meet the $75 for $1500 spent per quarter maximum because we don’t buy things we wouldn’t normally buy just because it’s 5% cash back.
Can you just let the rewards sit there and accrue before redeeming them? That’s what I like to do with my Discover card. I just let it sit there and build and use it for one lump purchase.
On the PPMC, the extra PayPal step doesn’t really bother me because I use PayPal regularly and I can easily transfer it to me bank account or just use it with my PayPal Cash Card (basically it’s a PayPal debit card that pulls from your PayPal.
Lastly, which card seems to typically have the higher initial CL?
We’re funneling on average around $3800 per month on the Discover card. When the Discover cash match expires after the first year, I’ll be using whichever card I choose to primarily as our everyday card. I’ll still use the Discover for the 5% categories, but I don’t always meet the $75 for $1500 spent per quarter maximum because we don’t buy things we wouldn’t normally buy just because it’s 5% cash back.
After doing a little research, I’ve learned of the Synchrony 2% Mastercard. Has anyone here applied and been accepted through the non-invite address below?
https://apply.syf.com/eapply/eapply.action?preScreen=N&clientCode=SYFMC
https://apply.syf.com/eapply/eapply.action?preScreen=N&clientCode=SYFMC
