Re: Botw 3% grocery replacement

TheBoondocks · ‎01-11-2022

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?

coldfusion · ‎01-11-2022

@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).

(3/2024)
FICO 8 (EX) 846 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion

SUPERSQUID · ‎01-11-2022

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 1600/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 3000 /first savings bank cc 3000/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 40k
Total utilization around 20 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 110k
Retired since 2017

FormerCollegeDJ · ‎01-11-2022

@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:
American Express: Hilton Honors
Bank of America: Customized Cash Rewards Visa
Capital One: SavorOne MC
Chase: Amazon Visa, Freedom Unlimited Visa, Freedom Flex MC
Citi: Sears/ThankYou Rewards MC, My Best Buy Visa, Custom Cash MC
Comenity: AAA Travel Advantage Visa
Discover: Cash It
Elan: S&T Bank Max Cash Preferred Visa
FNBO: Amtrak Guest Rewards Platinum MC
PSECU: Founder's Visa
U.S. Bank: Cash+ Visa
Wells Fargo: Autograph Visa
Store cards: Kohl's

Next target credit cards: Wells Fargo Bilt Mastercard (probably), Truist Enjoy Travel Visa (maybe)

PullingMeSoftly · ‎01-11-2022

@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

Chase Sapphire Reserve Visa Infinite │ $35,000

Chase Freedom Visa Sig │ $25,700 │ 5% rotator

Chase United Club Visa Infinite │ $35,000

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

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

US Bank Cash+ Visa Sig │ $20,000 │ 5% selectable rotator

Elan Fidelity Rewards Visa Sig │ $25,000

Citi Custom Cash MC │ $21,800 │ 5% selectable rotator

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

Barclays Banana Republic Rewards World MC │ $10,000

Provident CU Cash Back Visa Sig │ $25,000

NFCU Flagship Rewards Visa Sig │ $66,000

PenFed Platinum Rewards Visa Sig │ $12,000

PenFed Power Cash Rewards Visa Sig │ $36,200

AOD FCU Visa Sig │ $25,000 │ 3% everything @ 7.49% APR

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 │ 5% selectable rotator

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

notmyrealname23 · ‎01-12-2022

@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)?

TheBoondocks · ‎01-12-2022

@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.

crystal626 · ‎01-13-2022

City Custom Cash

BenTramer1978 · ‎01-14-2022

@crystal626 wrote:
City Custom Cash

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

TheBoondocks · ‎01-14-2022

@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

Botw 3% grocery replacement

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Botw 3% grocery replacement