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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). 



(1/2022)
FICO 8 (EX) 807 (TU) 834 (EQ) 830
FICO 9 (EX) 834 (TU) 842 (EQ) 843

$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 1800/ cap 1 savor one 3k /fingerhut 1950/ comenity rewards mc 1k, Penfed PCR 7.5k
NFCU >cash rewards 3700




>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
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
AMEX Marriott Bonvoy Brilliant 7.5k
Rakuten Synchrony Visa 7k
PayPal Synchrony MC 6.4k
Citi AA Mileup 6.9k
Petal2 VISA 6k
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
New Member

Re: Botw 3% grocery replacement

City Custom Cash

Message 8 of 11
BenTramer1978
New 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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