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Botw 3% grocery replacement

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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
Mega 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). 

(5/2024)
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
Message 2 of 11
SUPERSQUID
Valued 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 2100/ 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
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:
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)
Message 4 of 11
PullingMeSoftly
Valued 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)? 

| Charles Schwab AMEX Platinum NPSL | Amex Platinum (I know) NPSL | Amex Gold NPSL | First Tech FCU Choice Rewards World MC 35k | AMEX Hilton Aspire 17.5k | Chase Southwest Priority Visa 15.5k | AMEX Marriott Bonvoy Brilliant 18k | Bilt Rewards MC 14k | Capital One Venture X 13k | Fidelity VISA Signature 11.5k | Citi Custom Cash 11.9k | Citi Premier 8.9k | Chase Freedom Unlimited 9k | SoFi MC World Elite 8k | Barclays AAdvantage Aviator Red 8k | Capital One SavorOne 7.5k | PayPal Synchrony MC 6.4k | Citi Custom Cash 6.9k | DiscoverIt Cashback 5k | Amazon/Synchrony 5k | Hotels.com 5k | Apple Card 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
Regular Contributor

Re: Botw 3% grocery replacement

City Custom Cash

Message 8 of 11
BenTramer1978
Regular 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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