@Citylights18 wrote:
@Mr_Mojo_Risin wrote:
@DONZI wrote:Navy Federal Credit Union has a More Rewards card (amex) which you might like.
- 3X points at restaurants and on food delivery
- 3X points at supermarkets
- 3X points on gas and transit
- 1X points on everything else
OP, this ☝is a great suggestion if you're a member or can become a member.
Those are nice numbers for a no AF cash back card but a few more that I like.
-No FTF on a no AF card. That is pretty rare. Nice for the gas & groceries abroad.
-Up to 10% discount on Delta flights. You can get the discount on price and pay with Delta points.
-Up to 25% discount on rental cars if you call in. Probably can price match online but its a lot of hassle.
-Travel roadside assistance. I wouldn't put this benefit up AAA but I would over CSR roadside.
https://www.americanexpress.com/us/network/navyfederal/morerewards/cardbenefits.html
@Anonymous you said you can't become a member at Navy? Why is that? They're actually pretty flexible about what qualifies to get you in the door for a military connection. A "roommate" counts... basically, everyone with a NFCU membership gets a membership number that they can supply you with to "sponsor" you.
Biz - 
@LawStudentCivilis wrote:
@Anonymous wrote:So I asked this before and i'm curious what options there is for a 3% CB for Grocery and Dining besides the Cap1 SavorOne and the Bank of the west cash back world MasterCard. The Bank of the west card is a non-starter for me.
I was looking heavily at a Cap1 SavorOne but honestly it seems they don't people with their credit being too good or too poor. Seems like they want people at like a 650 FICO and when you start to approach over 700 your likely to be rejected. I guess they want to make money off interest and fees and not interchange fees. They have rejected people in the past for too few or no revolving accounts having a balance
I did apply for it two years ago or so when my profile was very new and was denied with that being one of the reasons despite them giving me a pre-qualifcation.
Thoughts?
Where are you getting this from? As a number of commenters have stated, that is not the case. Myself included. If you're interested in the card then go for it.
Hum...
Just going around lots of people with good profiles getting denied and approvals elsewhere.
It really seems there is a picky credit profile they want and if yours is too good your likely to be rejected as your not profitable.
Of course all we can do is speculate but it seems people in that 650-680 are much more likely to be approved then if your at like 750. Lots of high 700 rejections and some mid 700s ish if you look around here and online. Lots of 800 rejections also.
There is likely more to it just this is my perception.
@Anonymous wrote:So I asked this before and i'm curious what options there is for a 3% CB for Grocery and Dining besides the Cap1 SavorOne and the Bank of the west cash back world MasterCard. The Bank of the west card is a non-starter for me.
I was looking heavily at a Cap1 SavorOne but honestly it seems they don't approve people with their credit being too good or too poor. Seems like they want people at like a 650 FICO and when you start to approach over 700 your likely to be rejected. I guess they want to make money off interest and fees and not interchange fees. They have rejected people in the past for too few or no revolving accounts having a balance
I did apply for it two years ago or so when my profile was very new and was denied with that being one of the reasons despite them giving me a pre-qualifcation.
Thoughts?
FWIW, I applied for a Capital One SavorOne back in late March of this year. I had no previous relationship of any sort with Capital One (never had one of their credit cards) and had a credit score in the low 800s. I was approved immediately for the card and received a $10K credit limit, which is consistent with most of my other credit cards.
@FormerCollegeDJ wrote:
@Anonymous wrote:So I asked this before and i'm curious what options there is for a 3% CB for Grocery and Dining besides the Cap1 SavorOne and the Bank of the west cash back world MasterCard. The Bank of the west card is a non-starter for me.
I was looking heavily at a Cap1 SavorOne but honestly it seems they don't approve people with their credit being too good or too poor. Seems like they want people at like a 650 FICO and when you start to approach over 700 your likely to be rejected. I guess they want to make money off interest and fees and not interchange fees. They have rejected people in the past for too few or no revolving accounts having a balance
I did apply for it two years ago or so when my profile was very new and was denied with that being one of the reasons despite them giving me a pre-qualifcation.
Thoughts?
FWIW, I applied for a Capital One SavorOne back in late March of this year. I had no previous relationship of any sort with Capital One (never had one of their credit cards) and had a credit score in the low 800s. I was approved immediately for the card and received a $10K credit limit, which is consistent with most of my other credit cards.
Interesting
Thanks for the DP.
@unsungivy wrote:
@Citylights18 wrote:
@Mr_Mojo_Risin wrote:
@DONZI wrote:Navy Federal Credit Union has a More Rewards card (amex) which you might like.
- 3X points at restaurants and on food delivery
- 3X points at supermarkets
- 3X points on gas and transit
- 1X points on everything else
OP, this ☝is a great suggestion if you're a member or can become a member.
Those are nice numbers for a no AF cash back card but a few more that I like.
-No FTF on a no AF card. That is pretty rare. Nice for the gas & groceries abroad.
-Up to 10% discount on Delta flights. You can get the discount on price and pay with Delta points.
-Up to 25% discount on rental cars if you call in. Probably can price match online but its a lot of hassle.
-Travel roadside assistance. I wouldn't put this benefit up AAA but I would over CSR roadside.
https://www.americanexpress.com/us/network/navyfederal/morerewards/cardbenefits.html
@Anonymous you said you can't become a member at Navy? Why is that? They're actually pretty flexible about what qualifies to get you in the door for a military connection. A "roommate" counts... basically, everyone with a NFCU membership gets a membership number that they can supply you with to "sponsor" you.
It's really not that simple, at least I hope not, but I do wish NFCU would tighten their eligibility requirements. Hopefully the "roommates" don't mess up a good thing for us veterans/active duty/DOD/family members, later down the road. After spending two decades in the Air Force, and a member of, NFCU, year one of my enlistment, I'd hate to see things go downhill with this credit union because of people finding ways to gain membership.
By the way, NFCU, defines Household Members(roomates), as those that share an address, and contribute financially to the household. So many people try to abuse this. It's why we can't have, or lose nice things.
Rant done. 
@Anonymous wrote:
There are a number of $0 AF, $0 FTF cashback cards. Fifth Third, which offers 2% cashback, has $0 AF and $0 FTF.
The 5/3rd card you mention has a fairly steep requirement of $100k in deposit/investment with them to attain 'preferred' status.
RE: "Available exclusively to Fifth Third Preferred Banking clients."
Late to the party, I know.
That said, the TD Cash card offers 3% on Dining, no annual fee, and no FTF.
Amex BCE offers 3% on groceries, with no annual fee.
Discover it offers 5% on groceries in Q1 of each year. No annual fee.
