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Botw 3% grocery replacement

TheBoondocks
Established Contributor

Botw 3% grocery replacement

Hey guys, I heard that BMO bought botw. Hopefully it doesn't change the botw structure but if it does I might get these cards. What other cards are there? Thanks.

 

cap savor one
Safe cu cash rewards
Andrews titanium

 

Does the Andrew's titanium has a min redemption of increments? Like $25?

Message 1 of 11
10 REPLIES 10
coldfusion
Community Leader
Super Contributor

Re: Botw 3% grocery replacement


@TheBoondocks wrote:

 

 

Does the Andrew's titanium has a min redemption of increments? Like $25?


Titanium Visa points are managed through the CURewards program, and there is a cash redemption option with 1 point = 1 cent to be deposited into either your savings or checking account with a mininum of 2500 points ($25). 

(5/2022)
FICO 8 (EX) 827 (TU) 834 (EQ) 829
FICO 9 (EX) 837 (TU) 845 (EQ) 846

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 2 of 11
SUPERSQUID
Established Contributor

Re: Botw 3% grocery replacement

I have the savor one, good points -

No limits on rewards, 3 pct on groceries

Easy peasy redemtion of rewards in many different ways, not just a statement credit.

 

Bad point

In most cases you need a crowbar to pry a cli out of cap 1

{ BK7 DC 12/2019 } target 700/ kohls 1500/ discover 3k /mercury 3350 /ollo 600 /mission lane 1050/ ikea 750/ firestone 2800 /legacy 2000 /first savings bank cc 2000/ cap1 QS 2k/ cap 1 savor one 3100 /comenity rewards mc 1k, Penfed PCR 7.5k, NFCU >cash rewards 9700

>/ nfcu platinum 1k, BABY NEEDS NEW SHOES !!!!!
Message 3 of 11
FormerCollegeDJ
Frequent Contributor

Re: Botw 3% grocery replacement


@TheBoondocks wrote:

Hey guys, I heard that BMO bought botw. Hopefully it doesn't change the botw structure but if it does I might get these cards. What other cards are there? Thanks.

 

cap savor one
Safe cu cash rewards
Andrews titanium

 

Does the Andrew's titanium has a min redemption of increments? Like $25?


The other obvious card among no annual fee cards is the American Express Blue Cash Everyday card (3% rewards on groceries up to $6000 annual spend).  That card also has 2% rewards at gas stations and 2% rewards at select department stores.

 

Other considerations:

 

PROS: American Express provides a wide variety of Amex Offers on its issued cards.  (For reference, I currently have 213 active offers, excluding offers I've already fully used.)  I've saved $139.06 over the last 12 months using Amex Offers on my single Amex-issued card.

 

CONS: I believe cash back on American Express-issued cards that don't earn Amex Membership Rewards points is only in the form of statement credits.

Playing the credit card rewards game since early May 2020.

Current credit cards: Discover Cash It, 10/5/94, $10,000 CL | American Express Hilton Honors, 9/23/96, $16,500 CL | Kohl's store card, 7/31/00, $2500 CL | Chase Amazon Rewards Visa, 10/29/06, $11,000 CL | Citi Sears/Thank You Rewards Mastercard, 9/19/09, $2001 CL (LOL) | Citi My Best Buy Visa, 12/29/11, $4600 CL | Bank of America Amtrak Guest Rewards Platinum Mastercard, 10/17/15, $15,000 CL | Bank of America AAA Member Rewards Visa, 3/9/17, $15,000 CL | Chase Freedom Unlimited Visa, 6/29/20, $11,000 CL | Chase Freedom Flex Mastercard, 11/9/20, $9900 CL | Capital One SavorOne Mastercard, 3/30/21, $10,000 CL | Wells Fargo Propel American Express, 4/11/21, $10,000 CL | PSECU Founder's Visa, 12/2/21, $30,000 CL
Next target credit cards: US Bank Cash+ Visa | Citi Custom Cash Mastercard | Elan Financial Services Max Cash Preferred (S&T Bank Visa version)
Message 4 of 11
PullingMeSoftly
Established Contributor

Re: Botw 3% grocery replacement

@TheBoondocks Not sure if you are a member, or have access to membership, but the NFCU More Rewards is 3X Grocery, Restaurants, Gas, and Transit






Message 5 of 11
notmyrealname23
Established Contributor

Re: Botw 3% grocery replacement


@SUPERSQUID wrote:

I have the savor one, good points -

No limits on rewards, 3 pct on groceries

Easy peasy redemtion of rewards in many different ways, not just a statement credit.

 

Bad point

In most cases you need a crowbar to pry a cli out of cap 1


I'm at 5k on my SavorOne. Do I desperately need a CLI on a card that I basically use for groceries/dining out/streaming/entertainment, expenses that I would be paying with cash or debit if I didn't have a credit card (IOW, there's no reason to carry a balance, should be paid off every month, I should quit going out for food if I can't pay off my restaurant charges every month)? 

First Tech FCU Choice Rewards World MC 35k | AMEX Marriott Bonvoy Brilliant 15k | Bilt Rewards MC 14k | Fidelity VISA Signature 11.5k | Capital One Venture X 11k | AMEX Hilton Aspire 9.8k | Charles Schwab AMEX Platinum NPSL | Amex Platinum (I know) NPSL | Amex Green NPSL | SoFi MC World Elite 8k | Petal2 VISA 7.8k | Rakuten Synchrony Visa 7k | PayPal Synchrony MC 6.4k | Citi AA Mileup 6.9k | DiscoverIt Cashback 5k | Amazon/Synchrony 5k | Hotels.com 5k | Capital One SavorOne 5k | AMEX Delta Gold 3k | Target 800 | Ch 13 filed 12/13 discharged as paid 1/19
Message 6 of 11
TheBoondocks
Established Contributor

Re: Botw 3% grocery replacement


@PullingMeSoftly wrote:

@TheBoondocks Not sure if you are a member, or have access to membership, but the NFCU More Rewards is 3X Grocery, Restaurants, Gas, and Transit


Yeah I am a member but the min is $50 to cash out. $25 is okay for me.

Message 7 of 11
crystal626
Established Member

Re: Botw 3% grocery replacement

City Custom Cash

Message 8 of 11
BenTramer1978
Contributor

Re: Botw 3% grocery replacement


@crystal626 wrote:

City Custom Cash


Yeah, this. Why not get 5% back instead?

Message 9 of 11
TheBoondocks
Established Contributor

Re: Botw 3% grocery replacement


@BenTramer1978 wrote:

@crystal626 wrote:

City Custom Cash


Yeah, this. Why not get 5% back instead?


I already use the citi custom cash for gas lol

Message 10 of 11
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