Cards with large sign up bonuses

onepeace25 · ‎07-03-2023

Hi forum,

It looks like I'll be closing on a house on Friday. I am very excited as its my first house, with this being said I know there will be large expenses including furniture costs. I am looking for cards with large sign up bonuses that I can charge these costs to in order to help keep the cost down. Any recommendations? Doesnt have to be a forever card / my current cards are listed in signature.

Discover IT $4,300 | US Bank Cash Plus $1000 | Capital One Savor One $1,500 | Citi Custom Cash $2,400 | Citi Double Cash $2,400 | Affinity FCU Cash Rewards $12,000 | American Express Platinum | American Express Gold
- Total Revolving Limits $24,100

Gross Income - ~$90,000
4 Settled CO. Paid for settlement in January 2020~
(Update: December 2022):
AAoA - 2 Years 2 Months
Oldest Card: Discover IT - 2 Year 2 Month
Youngest Card: American Express Gold - Opened February 2023

Current FICO 8 scores:
Experian: 700

NoMoreE46 · ‎07-03-2023

Looks like you are you looking for Cash SUBs?
Are you open for points (for travel?)
There are also O% cards from ## months.

ptatohed · ‎07-03-2023

Ahhh! I was going to say the upgrade Cash Rewards Elite Visa for an easy $400 but......... looks like it's back to $200 now. Boo.

https://www.creditkarma.com/creditcard/Upgrade06

[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card // primis Perks debit Visa (50c CB per transaction (5% CB or more up to $10 spend))

5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

SouthJamaica · ‎07-04-2023

@onepeace25 wrote:
Hi forum,

It looks like I'll be closing on a house on Friday. I am very excited as its my first house, with this being said I know there will be large expenses including furniture costs. I am looking for cards with large sign up bonuses that I can charge these costs to in order to help keep the cost down. Any recommendations? Doesnt have to be a forever card / my current cards are listed in signature.

The signup bonuses for the Citi Premier and Chase Sapphire Preferred are pretty nice.

Unify FCU Platinum Visa Variable Rate 35k

TD Bank Business Solutions Visa (Bus) 23700

FNBO Evergreen Business Edition Visa (Bus) 20k

Liberty (formerly Evansville Teachers) FCU Platinum Prime Plus MC 15k

US Bank Triple Cash Rewards Visa (Bus) 12k

Geo-fenced credit union Platinum Visa 10500

Members 1st FCU Low Rate Platinum Visa 5k

PLOC: Langley FCU 40k; Penfed CU 15k; NFCU 15k; Teachers FCU 15k; Affinity FCU 10k. BLOC: NFCU 5k

Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682

Aim_High · ‎07-04-2023

Whether to focus on the SUB or a great 0% offer on new purchases depends on how you plan to pay, @onepeace25. If you have the money to pay immediately but just want to line your pocket, go for the best SUB you can find, whether that is cash back or travel points in preference.

However, if you will have to pay-over-time, it's almost always best to consider the value of the SUB versus the cost of financing. With most credit card interest rates, it won't take long for the "great value" of that SUB to be completely absorbed (and then some) by interest charges. So I would choose a good 0% offer over a SUB in that scenario.

Business Cards

Length of Credit > 40 years; Total Credit Limits >$936K
Top Lender TCL - Chase 156.4 - BofA 99.9 - CITI 96.5 - AMEX 95.0 - NFCU 80.0 - SYCH - 65.0
AoOA > 31 years (Jun 1993); AoYA (Oct 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.

onepeace25 · ‎07-05-2023

Hi @Aim_High, great point. I do have the money to spend and pay right back, I simply want some nice cash back for using money im going to spend anyways. Ill likely spend at least 3-4k initially. So any card to help maximize would help, I'm looking for prefarably cash back SUB. I would consider a points or miles SUB card if its a good pick. Currently looking at the AMEX Hilton Aspire, but actual cash back would be nice

Discover IT $4,300 | US Bank Cash Plus $1000 | Capital One Savor One $1,500 | Citi Custom Cash $2,400 | Citi Double Cash $2,400 | Affinity FCU Cash Rewards $12,000 | American Express Platinum | American Express Gold
- Total Revolving Limits $24,100

Gross Income - ~$90,000
4 Settled CO. Paid for settlement in January 2020~
(Update: December 2022):
AAoA - 2 Years 2 Months
Oldest Card: Discover IT - 2 Year 2 Month
Youngest Card: American Express Gold - Opened February 2023

Current FICO 8 scores:
Experian: 700

SouthJamaica · ‎07-05-2023

@onepeace25 wrote:
Hi @Aim_High, great point. I do have the money to spend and pay right back, I simply want some nice cash back for using money im going to spend anyways. Ill likely spend at least 3-4k initially. So any card to help maximize would help, I'm looking for prefarably cash back SUB. I would consider a points or miles SUB card if its a good pick. Currently looking at the AMEX Hilton Aspire, but actual cash back would be nice

The Citi Premier is a good card, and you can link it up with your DC and Rewards+ cards. And you'll have the option of cash or going for travel. And the SUB of 60k TY points is pretty sweet.

Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682

GatorCowboyLion · ‎07-08-2023

DOC has a running list.

https://www.doctorofcredit.com/best-current-credit-card-sign-bonuses/

Rdbeetle · ‎07-08-2023

My AMEX BCP came with a $300 SUB. Spend $3k in 6 months, and fee waived for first year. The downside is that it's redeemed as a statement credit.

SchoolsFirst FCU Rewards WMC $25k
US Bank Cash+ $15k
AMEX BCP $10k
Walmart CashRewards WMC $5k
FICO 8 Scores: EX 796 I TU 800 I EQ 803

Hipployta · ‎07-08-2023

@Rdbeetle wrote:
My AMEX BCP came with a $300 SUB. Spend $3k in 6 months, and fee waived for first year. The downside is that it's redeemed as a statement credit.

The BCP is also 0% for the first year for purchases and balance transfer. I got it in May for my new furniture after closing and my SL was $34900.

FICO (01/29/2025) EX 850 I TU 836 I EQ 840
INQ: 1/12, 4/24
Cards 0/12, 2/24
Mortgage: 5.5% 30 yr $412K, Auto Loan: 2024 Kia Telluride $42K, Loan: SoFi $36K
Total CL: $415K, 1% Utilization
Top CLs: AMEX Plat NSPL, AMEX BCP $55000, NFCU Visa $48900, AMEX Everyday $42900, Langley PLOC $21900, BOA Americard $20000, Paypal MC $20000, Langley TR $18100, Chase Prime $18000, NFCU AMEX $18000, NFCU MC $13100, Chase Freedom $13000, Chase Bonvoy $12000, GM Rewards $12000
Next 3 Years: Sell condo, then close on new build, pay off auto loan, then focus on paying down mortgage. Consider a HELOC, CSP, United Quest credit card, World of Hyatt, Truist or NW LOC, and/or one of the USB ards after I garden until August 2025 for 0/24