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Do you have one from each of the Big Four?

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joltdude
Senior Contributor

Re: Do you have one from each of the Big Four?

Warehouse Clubs (aka Costco and BJ's sometimes only take ONE network of card because they negotiate a preferrred interchange rate for exclusivity)... 

I.E Costco only takes Visa not MC, at one point BJ's only took Discover ..... 

 

 

 

Message 51 of 78
Anonymous
Not applicable

Re: Do you have one from each of the Big Four?


@joltdude wrote:

Warehouse Clubs (aka Costco and BJ's sometimes only take ONE network of card because they negotiate a preferrred interchange rate for exclusivity)... 

I.E Costco only takes Visa not MC, at one point BJ's only took Discover ..... 

 

 

 


+1

 

Up until earlier this year, Sam's Club didn't take Visas in club, but now they take all of 'em in store and online.

Message 52 of 78
Anonymous
Not applicable

Re: Do you have one from each of the Big Four?


@iheartwings wrote:

I have too many, but I have a use for them all at one time or the other during the year. :\

 

Visa: 6 (QS, Freedom, Marriott Rewards, Costco, BoA Cash Rewards, Williams-Sonoma)

Mastercard: 3 (QS, REI, DC)

AmEx: 3 (Plat, Delta SM Plat, BCP)

Discover: 1 (it)

 

 

 


holy limits batman!  that is the highest DC and disco limit I have seen lately!  what are your APRs on all those if you dont mind my asking?

 

 


@heyryan wrote:

Here's what I've got for diversity: I don't care as much about the network the card uses, but it's nice to have one of each for various offers that come up. (E.g. IHG has had a couple of Mastercard-specific promotions for earning points)

 

Legend: P=Personal card, B=Business card, Sig=Signature Visa, World=World MasterCard, WEMC=World Elite MC)

 VisaMCAmexDiscoverJCBUnionPay
Amex  1: Platinum (P)
1: Starwood (B)
   
BofA1: Alaska (B)     
Citi 1: AAdvantage (B - World)    
Chase1: CSP (P - Sig)
1: SW RR (P - Sig)
     
Discover   1: IT (P)  
NFCU1: Cash Rewards (P - Sig)
1: goRewards (P - Sig)
     
Penfed1: Rewards (P - Sig)     
WF1: Cash Wise (P)     
       
Upcoming:      
CapOne Venture 

Going to app for WEMC through

affiliate link (P)

    
Delta Gold/Plat  (B)   
Safe CUAccept Pre-approval for
Cash Rewards card (P - Sig)
     
Marukai/JCB     Marukai Premium
JCB Card (3% CB) (P)
 

 Why do you want the Venture WEMC?  aside from the $400 bonus, you are using 3 inquiries and you would basically need to spend over 12k a year for the card to really be sustainable after year one.  Why not the double cash? Or quicksilver wemc at least?

Message 53 of 78
heyryan
Frequent Contributor

Re: Do you have one from each of the Big Four?


@Anonymous wrote:

@heyryan wrote:

Here's what I've got for diversity: I don't care as much about the network the card uses, but it's nice to have one of each for various offers that come up. (E.g. IHG has had a couple of Mastercard-specific promotions for earning points)

 

Legend: P=Personal card, B=Business card, Sig=Signature Visa, World=World MasterCard, WEMC=World Elite MC)

 VisaMCAmexDiscoverJCBUnionPay
Upcoming:      
CapOne Venture 

Going to app for WEMC through

affiliate link (P)

    
Delta Gold/Plat  (B)   
Safe CUAccept Pre-approval for
Cash Rewards card (P - Sig)
     
Marukai/JCB     Marukai Premium
JCB Card (3% CB) (P)
 

 Why do you want the Venture WEMC?  aside from the $400 bonus, you are using 3 inquiries and you would basically need to spend over 12k a year for the card to really be sustainable after year one.  Why not the double cash? Or quicksilver wemc at least?


I should have said Upcoming...Maybe Smiley Happy I'm still on the fence on a few.

 

For the Venture: Primarily for the bonus. Also might try a two-fer and get the QS as well, then after the bonuses/6 months, merge the CL into just the QS.

 

I'd thought about the Double Cash, but there are a couple of Thank You points cards I'm considering if they offer a good bonus since they have the best transfer rate to a couple of airlines I want to fly.

 

So many cards, so little time Smiley Tongue

Personal:

 
Business:


(TU Split File - FIXED!)
Message 54 of 78
joltdude
Senior Contributor

Re: Do you have one from each of the Big Four?

I have another good reason for folks to carry Amex esp abroad .. even with its limited acceptance..... AMEX does not allow DCC....

Another sort of questionable "service" that both MC/VISA allow... and in some places they do not oblige the regulations for requiring to "choose DCC" 

(cough China) 

https://en.wikipedia.org/wiki/Dynamic_currency_conversion

 

BUT.. the do have a Forex Fee / FTF .....

 

 

Message 55 of 78
iheartwings
Valued Contributor

Re: Do you have one from each of the Big Four?


@Anonymous wrote:

@iheartwings wrote:

I have too many, but I have a use for them all at one time or the other during the year. :\

 

Visa: 6 (QS, Freedom, Marriott Rewards, Costco, BoA Cash Rewards, Williams-Sonoma)

Mastercard: 3 (QS, REI, DC)

AmEx: 3 (Plat, Delta SM Plat, BCP)

Discover: 1 (it)

 

 

 


holy limits batman!  that is the highest DC and disco limit I have seen lately!  what are your APRs on all those if you dont mind my asking?

 


I feel a little embarrassed because I have no clue what my APRs are, so I had to look them up. I haven't carried a balance in years. Smiley Wink

 

My Disco limit grew from $6000 in 4/15 to its current limit in 08/16. 20.94% rate (down from 22.94%).

 

DC was originally $9.5k. I took the HP for a CLI (never got SP language) and asked for $30k. I'm apparently still in the 0% APR range, but will go up to the 19.24% in January.

 

My lowest rates are on my Chase Freedom (14.49%) and C1 QSV (currently at 0% for however many months then 13.24%). 

Message 56 of 78
Anonymous
Not applicable

Re: Do you have one from each of the Big Four?

I have exactly 4 major credit cards and the 4 make up the Big Four as the OP puts it.  I don't have any duplicates at all as in 2 Visa's, etc; I have 1 of each which works fine for me.

Message 57 of 78
barthooper
Frequent Contributor

Re: Do you have one from each of the Big Four?


@iheartwings wrote:

@Anonymous wrote:

@iheartwings wrote:

I have too many, but I have a use for them all at one time or the other during the year. :\

 

Visa: 6 (QS, Freedom, Marriott Rewards, Costco, BoA Cash Rewards, Williams-Sonoma)

Mastercard: 3 (QS, REI, DC)

AmEx: 3 (Plat, Delta SM Plat, BCP)

Discover: 1 (it)

 

 

 


holy limits batman!  that is the highest DC and disco limit I have seen lately!  what are your APRs on all those if you dont mind my asking?

 


I feel a little embarrassed because I have no clue what my APRs are, so I had to look them up. I haven't carried a balance in years. Smiley Wink

 

My Disco limit grew from $6000 in 4/15 to its current limit in 08/16. 20.94% rate (down from 22.94%).

 

DC was originally $9.5k. I took the HP for a CLI (never got SP language) and asked for $30k. I'm apparently still in the 0% APR range, but will go up to the 19.24% in January.

 

My lowest rates are on my Chase Freedom (14.49%) and C1 QSV (currently at 0% for however many months then 13.24%). 


Whoa, that's a ridiculous bump for an HP CLI. I should be getting my DC in the mail today. I've always been opposed to wasting HPs for CLIs but I might make an exception for Citi. Probably not right away, but I feel like I've got to roll the dice on it.

Quicksilver - 16k | Discover It - 34k | Citi DC - $21k | Chase Amazon - 8k | Chase Reserve - 19.5k | Chase Preferred - 5k | EX FICO (Discover CSC) 788
Message 58 of 78
Anonymous
Not applicable

Re: Do you have one from each of the Big Four?

I have one of each. If you prefer Chase's categories over IT's, then go with Chase. One of the benefits IT has over Chase is the double cash back for the first year. If you find the categories don't work for you then it's not a big deal just app for the card that fits your spend/lifestyle. Good luck!

Message 59 of 78
Anonymous
Not applicable

Re: Do you have one from each of the Big Four?

Nope discover won't give me one due to a judgement but it's ok nothing missed
Message 60 of 78
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