Hi all!
So, need to make a larger purchase in the next day or so ($3,400ish) and wanted to pick up a card offering a good 0% intro offer so I can float it for a bit until after the market reacts to election results next week. Could pay it in cash, but why not get cash back and the $200 SUB while I do it and since most of my cash is in investments, I don't want to pull anything while the market is trending downward and could do more of the same after the election.
Searched for any cards that would be appealing for longer-term use, but just not a lot we don't already have. Tried the US Bank Cash+ and got the immedaite "we're reviewing your application and will be in touch" message. I expected that result on pretty much everything or else a lower credit line as I'm carrying a couple of larger balances right now until we get to the new year, and have another "card" that's really a $12k lawnmower financed on a YardCard. Looks like a card (IS a card), but it's really not. Kinda sucks. That balance is down to less than $6k now, but it still looks big on paper. I've also opened a bunch of cards over the last year, too. I'd have to count them up, but well past the 5/24. Still, I decided to try apping the BoA Customized Cash Card right after I got the message from US Bank and.....holy cow.....instant approval at $19k!!! I have ZERO relationships with BoA, so I was shocked at this. It's awesome, though, and their generosity here kinda makes me want to explore ways to use this card as a potential everyday spend card. That said, no way I'm moving any money to their checking and savings products with their junk fees and bad interest rates.
So all of that said, tell me why I, as a person with no plan to open any big money accounts with BoA anytime soon, would benefit from utilizing this card for my monthly spend? I hear the online shopping category is very broad, so that makes sense. But I also have an Amazon Prime card that gets 5% where I do the most online shopping. It's nice that the grocery stores category also includes wholesale clubs. But what else is there? I see a lot of positive reviews out there for it but trying to understand why since, on paper, it's not an eye-popping card.
Oh, I hear you. Bought a $4k one back in spring of 2020 and had to upgrade. Got a pretty big yard and much of it is field grass. It bogs down anything that isn't a commerical-grade mower. That price I mentioned is a Bad Boy Rebel 61" with the 999cc Kawasaki. That same grade of mower is upwards of $15-$17k if you went with something like a SCAG. It's a TANK, though.
I have TWO CCRs. One Visa, and one MC.
The Home Improvement category is very solid, and includes a broad range of home contractors as well as in-store purchases. This includes plumbers, electricians, general contractors, roofers, etc. I personally have had one of my cards set to that for years.
The Travel category is secretly really good as well, including travel AGENTS and tour groups, zoos, museums, etc (IE things you might DO while traveling). And while I wouldn't use it for things I want travel protection on, it is great for straight cashback.
Honestly don't underestimate the ability to change the category every calender month. It makes it really flexible on YOUR schedule.
Sock - 
Chopping Block - 
Debit Cards - 
@FicoMike0 wrote:I only have 2/3 acre and it's all bluegrass. My neighbor has a 60" John queer zero turn that was pretty pricy, but it sometimes bogs a little. I noticed his has a 1 8 horse twin. My craftsman has a big 19 horse single. That's a lot of torque on a 42" , it will mow anything!
Yeah, the Rebel is a 36hp, I believe. I think the one I bought originally was 25hp and I thought that would be plenty. Mowing the yard was a frustrating task when I had that one, let me tell ya. 
@unsungivy wrote:The Travel category is secretly really good as well, including travel AGENTS and tour groups, zoos, museums, etc (IE things you might DO while traveling). And while I wouldn't use it for things I want travel protection on, it is great for straight cashback.
Honestly don't underestimate the ability to change the category every calender month. It makes it really flexible on YOUR schedule.
Okay, these are GREAT points! Going to Canada later this month and darn, I'd use it for some of the stuff we're doing if not for the foreign transaction fees. Ah, well......I can use it for domestic trips next year. This is really good to know. And changing on a whim month-to-month, yeah.....that is kinda underrated I guess.