cancel
Showing results for 
Search instead for 
Did you mean: 

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

Highlighted
Super Contributor

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

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...

 

Screenshot_2020-08-03 hmbradley credit card - Google Search.png


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>09/2020 CCT EX 818 TU 826 EQ 840

Color me your color, baby
Color me your car
Color me your color, darling
I know who you are
Come up off your color chart
I know where you're comin' from
Call me (call me) on the line
Call me, call me any, anytime
Call me (call me) my love
You can call me any day or night
Call me

Blondie - Call me ( 1978 )
Message 1 of 10
9 REPLIES 9
Highlighted
Super Contributor

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

Thank you for sharing the information!
Message 2 of 10
Highlighted
Super Contributor

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

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. 




Message 3 of 10
Highlighted
Epic Contributor

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

Covered with AODSmiley Happy

Message 4 of 10
Highlighted
Super Contributor

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


@Saeren 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.

Spend: BofA PR + WWFCR, BBP, Schwab Platinum, CFF+CF, Costco, Discover
Perks: IHG49, Hyatt75, Delta Platinum, "Old" SPG95
SD/AAoA Ballast: Arrival, CFU, DC
Upgrade/downgrade games: BCE, EDP
Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.
Message 5 of 10
Highlighted
Established Contributor

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

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.

Message 6 of 10
Highlighted
Super Contributor

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


@wasCB14 wrote:

@Saeren 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.


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. 




Message 7 of 10
Highlighted
Moderator

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

rebuilder sort of card due to AF?

Message 8 of 10
Highlighted
Mega Contributor

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

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.

Message 9 of 10
Highlighted
Super Contributor

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


@Saeren wrote:

@wasCB14 wrote:

@Saeren 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.


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. 


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

Spend: BofA PR + WWFCR, BBP, Schwab Platinum, CFF+CF, Costco, Discover
Perks: IHG49, Hyatt75, Delta Platinum, "Old" SPG95
SD/AAoA Ballast: Arrival, CFU, DC
Upgrade/downgrade games: BCE, EDP
Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.
Message 10 of 10
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.