Hello all!
I currently have the Discover It Chrome card and am looking to expand to a second card. Currently most of my spending goes towards dining, gas, and groceries.
I've been looking at the Capital One Savorone as an option. Would this be a good choice?
Looking for a no AF card. My current FICO8 scores are EX-729 EQU-730 TU-726
Another option is the Redstone FCU Visa Signature. It has 5% back on restaurants and gas and 3% back on a bunch of categories including groceries, discount stores, and utilities with a separate $7k spend cap on each category. It has an ok sub of $150 back after spending $3,000, which is maybe a tad steep compared to some other no AF cards.
@30mm_goes_BRRRT wrote:The savorone is a great card that has no AF and covers dining/groceries as it's made with "foodies" in mind. It also has a decent SUB. It is missing your third category of gas however.
A couple other alternatives to look at are the Wells Fargo Autograph (3% on dining/gas, missing groceries), the Navy Federal More Rewards (if you qualify for NFCU, it hits gas/groceries/dining with 3% also with no AF), or even the Verizon Visa (if you use Verizon, this card gets 4% back on gas/groceries and 3% back on dining. Only thing is it's issued by Synchrony and the csdh back has to be used as a statement credit towards your phone bill). Hope those suggestions help!
I appreciate all of the options and information! I would say gas and dining are bigger expenses compared to groceries.
The NFCU card seems appealing. Would I need an account with them to qualify for the card?
@DakotaM wrote:Another option is the Redstone FCU Visa Signature. It has 5% back on restaurants and gas and 3% back on a bunch of categories including groceries, discount stores, and utilities with a separate $7k spend cap on each category. It has an ok sub of $150 back after spending $3,000, which is maybe a tad steep compared to some other no AF cards.
That seems like a desirable card, does it allow for the cash back to be used for statement credit/payment? Besides the SUB, it seems like a great card. Thanks for the information!
@coldfusion wrote:Savor One would work for dining and groceries, it's a 1X card for gas.
If you were eligible for NFCU membership their More Rewards card is 3x on gas, on groceries, and on restaurants.
AMEX BCE will get you 3% on gas and groceries. 1x on dining.
Wells Fargo Autograph will get you 3% on gas and restaurants, 1X on groceries.
If you don't spend a lot on gas the Savor One wouldn't be a bad choice if you just wanted to add 1 card.
The Wells Fargo seems like a nice care, how are they as a card provider? I don't know much about them.
When it comes to NFCU, I have a lot of immediate family members who are military members but I myself am not current or former military. Would I still possibly be eligible?
If my dining expenses weren't so large/frequent, the AMEX BCE would be desirable.
Thank you for the information!
@BioRadar wrote:
@DakotaM wrote:Another option is the Redstone FCU Visa Signature. It has 5% back on restaurants and gas and 3% back on a bunch of categories including groceries, discount stores, and utilities with a separate $7k spend cap on each category. It has an ok sub of $150 back after spending $3,000, which is maybe a tad steep compared to some other no AF cards.
That seems like a desirable card, does it allow for the cash back to be used for statement credit/payment? Besides the SUB, it seems like a great card. Thanks for the information!
I don't believe you can redeem for statement credit; only a deposit into the savings or checking account with them. That said, you can set up automatic monthly deposits of your cashback.
@DakotaM wrote:
@BioRadar wrote:
@DakotaM wrote:Another option is the Redstone FCU Visa Signature. It has 5% back on restaurants and gas and 3% back on a bunch of categories including groceries, discount stores, and utilities with a separate $7k spend cap on each category. It has an ok sub of $150 back after spending $3,000, which is maybe a tad steep compared to some other no AF cards.
That seems like a desirable card, does it allow for the cash back to be used for statement credit/payment? Besides the SUB, it seems like a great card. Thanks for the information!I don't believe you can redeem for statement credit; only a deposit into the savings or checking account with them. That said, you can set up automatic monthly deposits of your cashback.
I gotcha, I'll have to look into them. Have never heard of 'em.