I'm waiting for a 4% anywhere card with no/low AF

[Remedios]

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@FinStar wrote:

So, no room for teddy bears? Polar bears can be just as aggressive and territorial.  What about black bears?  Pandas?  Koalas?

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Fight me! 🐹

[FinStar]

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@Remedios wrote:

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@FinStar wrote:

So, no room for teddy bears? Polar bears can be just as aggressive and territorial.  What about black bears?  Pandas?  Koalas?

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Fight me! 🐹

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[Remedios]

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@FinStar wrote:

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@Remedios wrote:

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@FinStar wrote:

So, no room for teddy bears? Polar bears can be just as aggressive and territorial.  What about black bears?  Pandas?  Koalas?

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Fight me! 🐹

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[Anonymous]

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@FinStar wrote:

So, no room for teddy bears? Polar bears can be just as aggressive and territorial.  What about black bears?  Pandas?  Koalas?

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Go with what you feel!

[simplynoir]

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@Remedios wrote:

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@FinStar wrote:

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@Remedios wrote:

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@FinStar wrote:

So, no room for teddy bears? Polar bears can be just as aggressive and territorial.  What about black bears?  Pandas?  Koalas?

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Fight me! 🐹

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[Anonymous]

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@Anonymous wrote:

I find reward redemption thresholds to be irritating.  It would be one thing if everyone had them, but since there are plenty of lenders out there that don't have any restrictions it just makes the others seem annoying.

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@Anonymousthe worst! It's the reason I closed my barclay's cashforward with their 50 dollar redemption. My Amex, Citi, us bank, and Wells Fargo are the ones in my line up with a redemption minimum. At least Amex and Citi don't have any increments.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

I find reward redemption thresholds to be irritating.  It would be one thing if everyone had them, but since there are plenty of lenders out there that don't have any restrictions it just makes the others seem annoying.

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@Anonymousthe worst! It's the reason I closed my barclay's cashforward with their 50 dollar redemption. My Amex, Citi, us bank, and Wells Fargo are the ones in my line up with a redemption minimum. At least Amex and Citi don't have any increments.

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Yea NFCU's $50 minimum redemption on my More Rewards was the death of that card for me and pushed me to give that business to AMEX instead. 

[Remedios]

Time for unpopular opinion..

Minimum redemption isn't the issue, *inadequate* spend on cards that have it is. 

If one has a dedicated card for everything (gas, groceries, candy bars, tarot cards), spend it diluted, and it might be hard to reach minimum redemption amount in what would be considered reasonable amount of time. 

If spend put on a card was sufficient, one could redeem monthly if the wished to do so. 

That should be part of the pre-app homework "Will this reward system work for me, and am I fine waiting six months to redeem" 

Lenders don't keep minimum redemption treshold a secret, so it's really not hard to figure out ahead of time. 

[Loquat]

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@Remedios wrote:

Time for unpopular opinion..

Minimum redemption isn't the issue, *inadequate* spend on cards that have it is. 

If one has a dedicated card for everything (gas, groceries, candy bars, tarot cards), spend it diluted, and it might be hard to reach minimum redemption amount in what would be considered reasonable amount of time. 

If spend put on a card was sufficient, one could redeem monthly if the wished to do so. 

That should be part of the pre-app homework "Will this reward system work for me, and am I fine waiting six months to redeem" 

Lenders don't keep minimum redemption treshold a secret, so it's really not hard to figure out ahead of time. 

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+1 @Remedios   I've said this quite a few times when I read of folks that have issue with the $25 threshold with the Double Cash and the Wells Fargo Propel card.  

[Brian_Earl_Spilner]

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@Remedios wrote:

Time for unpopular opinion..

Minimum redemption isn't the issue, *inadequate* spend on cards that have it is. 

If one has a dedicated card for everything (gas, groceries, candy bars, tarot cards), spend it diluted, and it might be hard to reach minimum redemption amount in what would be considered reasonable amount of time. 

If spend put on a card was sufficient, one could redeem monthly if the wished to do so. 

That should be part of the pre-app homework "Will this reward system work for me, and am I fine waiting six months to redeem" 

Lenders don't keep minimum redemption treshold a secret, so it's really not hard to figure out ahead of time.