New HMBradley MasterCard .... You pick 3% and 2% catagories monthly

[Meanmchine]

Saw this article in NerdWallet

I dont know if this topic has been started, I only see discussion about their savings accounts

Savings account required, not geo fenced

https://www.nerdwallet.com/article/credit-cards/hmbradley-credit-card-automatic-rewards-customizatio...

[AllZero]

Thank you for sharing the information!

[Anonymous]

Interesting idea. I dislike the $60 annual fee but if you make heavy use of a certain category, provided that the MCC codes correctly, it can definitely become valuable for those who don't get 3% everywhere. 

[M_Smart007]

Covered with AOD

[wasCB14]

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@Anonymous wrote:

Interesting idea. I dislike the $60 annual fee but if you make heavy use of a certain category, provided that the MCC codes correctly, it can definitely become valuable for those who don't get 3% everywhere. 

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We'd have to be talking fairly heavy use...$6k to offset $60 at 1% more than a 2% card. And plenty of other cards have high or no caps on 3% categories.

And then, of course, there's AOD, BBP, PR, etc.

[Stralem]

It's an interesting concept, being rewarded for essentially not spending every red cent that's deposited in your accounts. The annual fee is a turn off, though.

[Anonymous]

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@wasCB14 wrote:

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@Anonymous wrote:

Interesting idea. I dislike the $60 annual fee but if you make heavy use of a certain category, provided that the MCC codes correctly, it can definitely become valuable for those who don't get 3% everywhere. 

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We'd have to be talking fairly heavy use...$6k to offset $60 at 1% more than a 2% card. And plenty of other cards have high or no caps on 3% categories.

And then, of course, there's AOD, BBP, PR, etc.

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It would have to be a category that isn't normally covered by other cards which obviously makes it a niche case but I'm sure people can make the math work. 

[CreditCuriosity]

rebuilder sort of card due to AF?

[longtimelurker]

The thread title includes "you pick" but reading the link that doesn't seem to be the case, it's automatically your highest and second highest categories each month.   So if you just take care to use the card where you don't have another category card, and your total each month in the (potentially different each month) highest category exceeds $6K a year....  Just don't know how easy that is to do, unless you have a constant uncovered category that you spend in every month.

[wasCB14]

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@Anonymous wrote:

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@wasCB14 wrote:

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@Anonymous wrote:

Interesting idea. I dislike the $60 annual fee but if you make heavy use of a certain category, provided that the MCC codes correctly, it can definitely become valuable for those who don't get 3% everywhere. 

---

We'd have to be talking fairly heavy use...$6k to offset $60 at 1% more than a 2% card. And plenty of other cards have high or no caps on 3% categories.

And then, of course, there's AOD, BBP, PR, etc.

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It would have to be a category that isn't normally covered by other cards which obviously makes it a niche case but I'm sure people can make the math work. 

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Maybe something like rent, mortgage, or tax payments...but I doubt those are eligible.