Cap One Savor question

[Kforce]

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@ElvisCaprice wrote:

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How so?  I would rather have an annual cap than a monthly.  Plus AOD pays 1% after you use up the cap, Aven 2% unlimited.  That alone makes it sub par to the Aven, in my book.  But it is an option, no SUB.  And you have to mess around with some bicycle membership club to get in, AOD.  

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Like all things it depends on where, how much, and your other cards.

Here in Ca.  insurance is often 1,000-1,500 a month (vehicles & home).

Not OK spend for the 4% smartly, to much for the Aven, and more than the cap on

most 3% insurance reward cards .  AOD has me covered.

Also easy if one has holes every month not covered by 5%, for those without 15-20 -- 5% cards.

$1,500/mo can be a much better than a yearly cap of 10k.

Sure the exact opposite is true for those with extremely little 3% filler spend, or extremely rare few thousand spend, just depends on your needs.   Glad you are reporting your success with it, but only a better choice for some not all.  I am taking advantage of almost every penny of the 3% rewards from the $1,500 cap, every month.  

[ElvisCaprice]

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@Kforce wrote:

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@ElvisCaprice wrote:

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How so?  I would rather have an annual cap than a monthly.  Plus AOD pays 1% after you use up the cap, Aven 2% unlimited.  That alone makes it sub par to the Aven, in my book.  But it is an option, no SUB.  And you have to mess around with some bicycle membership club to get in, AOD.  

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Like all things it depends on where, how much, and your other cards.

Here in Ca.  insurance is often 1,000-1,500 a month (vehicles & home).

Not OK spend for the 4% smartly, to much for the Aven, and more than the cap on

most 3% insurance reward cards .  AOD has me covered.

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That's about as niche as you can get.  More than 10k per year but less than 1.5k per month.  Chuckle

I would say the Aven is the better alternative for most, plus a SUB.

For some, more than 10K per year and more than 1.5K in a month, Robinhood Gold could be the best alternative, although it too, like the nerfed Smartly V1, has some restrictions on taxes, etc.

[AndySoCal]

@bs1234  Here is a couple of credit card possibilities for you from NIH CU (National Institues of Health)  Cash Rewards has the 3% cash back catagories you are looking for but a 1% FTF. The Travel Rewards has no FTF but not the 3% cash back on groceries

Edited to add the link

https://www.nihfcu.org/credit-cards/?utm_campaign=homepage-Menu-Credit%20Card&utm_medium=&utm_source... 

[Debt-is-a-Scam]

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@bs1234 wrote:

I am looking for a no FTF card with dining/supermarkets rewards for use abroad if I close the USBAR (sob).    I have a Cap One REI card with a totally unnecessary $25K limit and I wanted to change it to a Savor.   I was told no offers as yet but keep trying.   On a resulting survey I said I wouldn't recommend Cap One cards (which is probably not true) but someone phoned back and explained that currently partner cards cannot be changed to "flagship" ones, but she can bring up the concern....  (I pointed out that I am not using the REI card, meaning that none of Cap One, REI or me are getting any benefit!)

Anyway, after moaning to myself, I decided to do a preapproval.    Cap One gives my Fico score as about 840 but the approval came up only for Quicksilver/Savor/Venturewhatever for Good Credit, with no SUB and I suspect a very low CL.   One reason might be high reported utilization on the Smartly (~ 25% which had all been paid off but no reported).  Overall util is about 1%

Any clues from anyone?   Is it worth trying again when utilization shows as very low on all cards.   Or just forget it and use the Fidelity for 2% and not obsess about the lost 1% on fairly small amounts!

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Screw Cap One, their cards are mostly boring trash anyway in my opinion. I have an old Kohl's card with a low limit that they won't do a product change. Only benifit it offers now is the credit history.

For your purposes, I would use the Wells Fargo Autograph card and/or the US Bank Altitude Connect card.