Does this card exist?...

[celluloid17]

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@Anonymous wrote:
keep in mind at 2% it only takes $1,250 to get the a normal redemption. that doesn't take but a few months with mild spending.

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True.  I have the Double Cash.  I wish it was Visa so I could use it at Costco later this year and I also wish it had no FTF.

Fidelity Visa would take $2500 in spend to access the cash back.  If it's a daily driver card, it might be easier, but if you're using it in tandem with other cards that offer higher rewards in specifice categories, it dilutes the spend a bit and thus takes longer to redeem.

[celluloid17]

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@neverrain wrote:

Chase Sapphire Preffered has no FTF.

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Yes, that's true, but it also has an annual fee, which reminds that I forgot to include no annual fee as another prerequisite.

[Anonymous]

if it's for costco (seems like that's a big reason you want it so you can put your main grocery spend on it) then why not see what the new citi card will offer? the TE was a great everyday card and the cuti one may be as well.

[celluloid17]

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@Anonymous wrote:
if it's for costco (seems like that's a big reason you want it so you can put your main grocery spend on it) then why not see what the new citi card will offer? the TE was a great everyday card and the cuti one may be as well.

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Yeah, I'm curious to see what changes Citi will make to the TE rewards structure, if any...

If it's identical to the TE, it wouldn't be that exciting because the TE only offered 1% back on actual Costco store purchases, which can be had with almost any other Visa card currently out there.  

[elim]

You could grab a Venture every so often and you will be way ahead of the game ($460 in rewards to start and 2% on the rest). combine limits as you go. 

If you sweat the $59 AF... It is waived the first year and after 3 months you have gained rewards equivalent to 23k in spend.  Kill the card at 12 months and roll it into the next.  Google ways around "travel only" redemption.

Of course it's not for everyone.    3 HP's unless you're lucky.   But they fall off eventually.

Just an option

[Anonymous]

but costco is a warehouse store so you have to keep in mind it'll be hard to get more than 1%. but, in actuality, for how low of spend you claim to do the extra 1% really won't be worth the trouble. i understand wanting to maximize rewards but if you're already spreading thin with a few cards then 1 whole percent won't add up to much at all. maybe $50 a year? and is that worth a HP?

[celluloid17]

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@Anonymous wrote:
but costco is a warehouse store so you have to keep in mind it'll be hard to get more than 1%. but, in actuality, for how low of spend you claim to do the extra 1% really won't be worth the trouble. i understand wanting to maximize rewards but if you're already spreading thin with a few cards then 1 whole percent won't add up to much at all. maybe $50 a year? and is that worth a HP?

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I would utlimately like to limit myself to three or four cards max, so I'm looking for something that will serve multiple functions so I can eliminate some of the others.  I have hardly any inquiries on any of my reports so I don't mind incurring one or two for something that will meet my desired criteria (a long shot, I know!).

[Anonymous]

yeah lol it's seeming pretty limited. sorry my friend

[Anonymous]

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@celluloid17 wrote:

I'm looking for a general spend card that gives 2% back for all spend, that's a Visa, has a low or no redemption threshhold ($25 or less to redeem cash back), and no foreign transaction fees?

I think the only thing that comes close is Quicksilver, but I'm wondering if there are any credit products out there that meet this criteria and surpass 1.5% cash back?

ETA: ...and no annual fee!

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I felt compelled to say ... BofA Travel Rewards with Platinum or Platinum Honors.

Minimum redemption is 25 dollars for travel credit (1 to 1 ratio).

2.625% effective cashback, no annual fee, zero foreign transaction fee, and it's a Visa.

[celluloid17]

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@Anonymous wrote:

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@celluloid17 wrote:

I'm looking for a general spend card that gives 2% back for all spend, that's a Visa, has a low or no redemption threshhold ($25 or less to redeem cash back), and no foreign transaction fees?

I think the only thing that comes close is Quicksilver, but I'm wondering if there are any credit products out there that meet this criteria and surpass 1.5% cash back?

ETA: ...and no annual fee!

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I felt compelled to say ... BofA Travel Rewards with Platinum or Platinum Honors.

Minimum redemption is 25 dollars for travel credit (1 to 1 ratio).

2.625% effective cashback, no annual fee, zero foreign transaction fee, and it's a Visa.

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I've thought about that one a lot, but I don't have a banking relationship with BOA and it's a tad limiting in terms of redemption.  On the other hand, I think it's an underrated travel specific card.