My secured was finally upgraded to a cashrewards after having it for two years. During that time, I've opened another cashrewards and the Amex card.
I'd imagine it probably wouldn't be the best idea to get rid of this upgraded card as it is my oldest line as of right now. But I really don't want two of the same CC. Any suggestions?
@CrimsonMoon93 wrote:My secured was finally upgraded to a cashrewards after having it for two years. During that time, I've opened another cashrewards and the Amex card.
I'd imagine it probably wouldn't be the best idea to get rid of this upgraded card as it is my oldest line as of right now. But I really don't want two of the same CC. Any suggestions?
I guess your signature isn't current, @CrimsonMoon93? I don't see any AMEX or the second cashRewards, so I'm wondering if anything else is missing. Which AMEX card do you carry now?
Depending on your other cards and your needs, I think the best value cards that Navy FCU has are
- the Platinum Visa (with a low permanent APR as low as 6.24% right now)
- the More Rewards AMEX that pays 3% (3X points; 1 point = 1%) on supermarkets, gas, transit, restaurants - all uncapped, and
- the Flagship Rewards Visa that earns 3% on travel and 2% on everything else with a $49 AF (potentially reduced by $25/year if you take advantage of the TSA Global Entry reimbursement of $100 once every four years.)
And I believe you can product change without restrictions into any of those cards from cashRewards, although you would not get the new product SUB offering.
It is not. I've opened a Delta AMEX, MoreRewards Amex, and a discover. If I can switch over my VisaSig more rewards or switch the new more rewards I'd do that.
@CrimsonMoon93 wrote:It is not. I've opened a Delta AMEX, MoreRewards Amex, and a discover. If I can switch over my VisaSig more rewards or switch the new more rewards I'd do that.
Gotcha.
So if you have a Delta AMEX, I suppose you do some travel? Perhaps the Flagship Rewards would be a good fit, especially since you also don't have a flat-rate 2% or higher card. The downside is that normally your CL must be at least $5K, I believe, to qualify for the Flagship Rewards as a Visa Signature.
If you have the More Rewards, I would keep that since most consumers can benefit from the 3% categories.
The next best card would be the Platinum which offers a great low APR for temporaily carrying a balance. And they offer some great BT deals on that card. It's a great tool for flexibility to have in your wallet.
How do I go about this? Just call and ask?
Alright so heres what I have
cashRewards, 1.75% cash back
Visa Sig cashRewards, 1.75% cash back
More Rewards, 3x supermarkets/gas/restaurants, 1x everything else
Discover, 5% rotating
Amex Delta, 2 miles per dollar at restuarants
If I'm going to PC, should I PC the VisaSig cash to a VisaSig Flagship? I already have a QS1 that has an annual fee, 1.5% back. Or should I PC the cashRewards over to a go rewards, Platinum, or keep it the same?
Now, I can switch my Vis
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