@ZehTy wrote:
@JNA1 wrote:Welcome to the board! I think most of us would pull the trigger on that AFCU card if we were eligible.
To get a better handle on your actual FICO 8 Score, your Discover card will offer that on your app or online portal.
NFCU offers a solid lineup of cards, and their customer service is very good. They would be good lender to get in with whether you get the AFCU card or not.
I'm not sure if you could PC any of your AMEX cards to no AF cards, but they offer some good cash back cards as well. If your grocery spend is $6K or more, the 6% (its 6% on streaming services too) cash back on the Blue Cash Preferred is worth the $95 AF. It comes with a $300, making it even more worthwhile. I earned $707 in cash back and SUB on that card this first year. If your cards can't be PC'd, it might be worth looking into that one.
Thank you! Yes, I feel kinda giddy because I saw a post about "The Best 2% Cards" and saw someone mention Aerospace FCU and I thought to myself... I work for them, I feel special now and can totally get it!
As for the Discover app, totally forgot it offered that. Looks like back in June it was 800. Currently it is sitting at 770. Looks like the mortgage inquiry knocked it down a bit, which is to be expected.
I would like to sign up for one of NFCU's cards but it makes me wonder, if I go for the AFCU, which would compliment the card so spend can be utilized on both for a gain?
Also yeah, the AMEX charge cards cant be PC'd to a no fee card, they are all to be cancelled and that's it. I suppose its okay to cancel them after the AF hits and then i'll be clear to keep my Points since I can keep the BBP open with no fee. Suprisingly enough, our grocery spend is spend at Sam's Club, and soon to be Costco once the membership on Sam's is done here in a few months since we moved. Also Walmart is right down the road and my wife and I just seem to prefer to go to the closest and cheapest thing. Supermarkets here in NoVA just can't beat Walmart prices. We do of course go to the Asian Supermarkets for my wife occasionally but it does not even come close to $6k. I did get a mailer for the BCP just the other day and it's offering to waive the AF for the first year. Wonder if it's worth it? It'll be a soft pull and my relationship with AMEX is solid and i started it back in 2015.
IDK if you do WalMart delivery, but it codes as groceries on the BCP. It does not code as groceries in store though, even if you buy nothing but groceries.
The most complementary NFCU card would probably be the More Rewards (3% gas, groceries, and dining) although the 3% groceries would be the only one the only category better than the AFCU card. The More Rewards card does a $250 SUB also.
@GApeachy wrote:Besides the Aerospace card, have you taken a look at Barclay's earner+ ? Link: https://www.barclaycardus.com/apply/Landing.action?campaignId=2776&cellNumber=18&referrerid=BCSHPHER...
(gas 6x's and groceries 4x's, no ftf, does have a $75 af) eta: excludes walmart, grrrrrr!
Those some good multipliers but that AF, and of course Walmart never codes as grocery so we'd be losing out. As I mentioned in a different reponse, we shop at an Asian supermarket every other week or so and rarely go to places like Harris Teeter, Giant, Safeway, etc. they're more like an emergency place to go since Walmart is so close and generally suits our needs more.
@NoHardLimits wrote:
@ZehTy wrote:
@Kforce wrote:Getting any rewards card is always dependent on where you spend your money.
For my spend the open/general spend is my largest by a great amount. The AOD or USAlliant's fits my spend better. However you might value the No FTF, buy a lot of gas, and eat out three days a week.
The fine print has caps on all the categories 3% up.
They however look to be generous and would not be a issue for many
It looks like a nice card for the right spend.
That might be a great card for you.
I have read about the AOD offer and even though it is attractive, the internet's hug of death spells doom for 3% for everything I would think. That opinion seems to float around here a lot from my reading so temporary gains isn't my cup of tea. I really want to try to find a long term solution that fits without too much micromanagement.
The Aerospace card fits our spend greatly because we eat out a lot, and fill up on gas at least once a week at Sam's Club, soon to be Costco (hoping it is coded as gas.) The travel percentage is kind of moot for us as we don't stay at hotels, use tolls, parking, or fly all too often, if at all the spend is very minimal for our lifestyle currently. I guess it's just really nice to have if we need it. The 2% is uncapped and makes it attractive on top of all the other categories above.
We also shop at Amazon an awful lot and I got the Chase Amazon Card like five years ago so that 5% there is already covered.
Welcome to the community, and kudos to you for doing a lot of reading before your first post.
Gas at Sam's Club or Costco may not code as gasoline. You could put a test purchase on one of your Visa cards to see what the MCC code is on the Visa network.
I have a minor DP from my Apple FCU card. I used it for awhile when I first got it and they have a gas multiplier of 3x I believe? And it always coded as gas at sams club. Reason I stopped using the card was because the rewards structure is truly atrocious and wasn't worth investing in further.
@JNA1 wrote:
@ZehTy wrote:
@JNA1 wrote:Welcome to the board! I think most of us would pull the trigger on that AFCU card if we were eligible.
To get a better handle on your actual FICO 8 Score, your Discover card will offer that on your app or online portal.
NFCU offers a solid lineup of cards, and their customer service is very good. They would be good lender to get in with whether you get the AFCU card or not.
I'm not sure if you could PC any of your AMEX cards to no AF cards, but they offer some good cash back cards as well. If your grocery spend is $6K or more, the 6% (its 6% on streaming services too) cash back on the Blue Cash Preferred is worth the $95 AF. It comes with a $300, making it even more worthwhile. I earned $707 in cash back and SUB on that card this first year. If your cards can't be PC'd, it might be worth looking into that one.
Thank you! Yes, I feel kinda giddy because I saw a post about "The Best 2% Cards" and saw someone mention Aerospace FCU and I thought to myself... I work for them, I feel special now and can totally get it!
As for the Discover app, totally forgot it offered that. Looks like back in June it was 800. Currently it is sitting at 770. Looks like the mortgage inquiry knocked it down a bit, which is to be expected.
I would like to sign up for one of NFCU's cards but it makes me wonder, if I go for the AFCU, which would compliment the card so spend can be utilized on both for a gain?
Also yeah, the AMEX charge cards cant be PC'd to a no fee card, they are all to be cancelled and that's it. I suppose its okay to cancel them after the AF hits and then i'll be clear to keep my Points since I can keep the BBP open with no fee. Suprisingly enough, our grocery spend is spend at Sam's Club, and soon to be Costco once the membership on Sam's is done here in a few months since we moved. Also Walmart is right down the road and my wife and I just seem to prefer to go to the closest and cheapest thing. Supermarkets here in NoVA just can't beat Walmart prices. We do of course go to the Asian Supermarkets for my wife occasionally but it does not even come close to $6k. I did get a mailer for the BCP just the other day and it's offering to waive the AF for the first year. Wonder if it's worth it? It'll be a soft pull and my relationship with AMEX is solid and i started it back in 2015.
IDK if you do WalMart delivery, but it codes as groceries on the BCP. It does not code as groceries in store though, even if you buy nothing but groceries.
The most complementary NFCU card would probably be the More Rewards (3% gas, groceries, and dining) although the 3% groceries would be the only one the only category better than the AFCU card. The More Rewards card does a $250 SUB also.
We did do Walmart delivery like twice recently because my wife and I got COVID but the Walmart is a mile away so the convenience factor and tipping the drivers? I dunno, I'm a stickler that tries to look for the best results, lol.
And yes, that NFCU card is the one I keep going back to and would compliment the AFCU card for the slightly stronger rewards on grocery, no AF, and no FTF. One would be Visa and one would be AMEX so we would be covered in case an outlet doesn't take one issuer.
@ZehTy wrote:
@JNA1 wrote:
@ZehTy wrote:
@JNA1 wrote:Welcome to the board! I think most of us would pull the trigger on that AFCU card if we were eligible.
To get a better handle on your actual FICO 8 Score, your Discover card will offer that on your app or online portal.
NFCU offers a solid lineup of cards, and their customer service is very good. They would be good lender to get in with whether you get the AFCU card or not.
I'm not sure if you could PC any of your AMEX cards to no AF cards, but they offer some good cash back cards as well. If your grocery spend is $6K or more, the 6% (its 6% on streaming services too) cash back on the Blue Cash Preferred is worth the $95 AF. It comes with a $300, making it even more worthwhile. I earned $707 in cash back and SUB on that card this first year. If your cards can't be PC'd, it might be worth looking into that one.
Thank you! Yes, I feel kinda giddy because I saw a post about "The Best 2% Cards" and saw someone mention Aerospace FCU and I thought to myself... I work for them, I feel special now and can totally get it!
As for the Discover app, totally forgot it offered that. Looks like back in June it was 800. Currently it is sitting at 770. Looks like the mortgage inquiry knocked it down a bit, which is to be expected.
I would like to sign up for one of NFCU's cards but it makes me wonder, if I go for the AFCU, which would compliment the card so spend can be utilized on both for a gain?
Also yeah, the AMEX charge cards cant be PC'd to a no fee card, they are all to be cancelled and that's it. I suppose its okay to cancel them after the AF hits and then i'll be clear to keep my Points since I can keep the BBP open with no fee. Suprisingly enough, our grocery spend is spend at Sam's Club, and soon to be Costco once the membership on Sam's is done here in a few months since we moved. Also Walmart is right down the road and my wife and I just seem to prefer to go to the closest and cheapest thing. Supermarkets here in NoVA just can't beat Walmart prices. We do of course go to the Asian Supermarkets for my wife occasionally but it does not even come close to $6k. I did get a mailer for the BCP just the other day and it's offering to waive the AF for the first year. Wonder if it's worth it? It'll be a soft pull and my relationship with AMEX is solid and i started it back in 2015.
IDK if you do WalMart delivery, but it codes as groceries on the BCP. It does not code as groceries in store though, even if you buy nothing but groceries.
The most complementary NFCU card would probably be the More Rewards (3% gas, groceries, and dining) although the 3% groceries would be the only one the only category better than the AFCU card. The More Rewards card does a $250 SUB also.
We did do Walmart delivery like twice recently because my wife and I got COVID but the Walmart is a mile away so the convenience factor and tipping the drivers? I dunno, I'm a stickler that tries to look for the best results, lol.
And yes, that NFCU card is the one I keep going back to and would compliment the AFCU card for the slightly stronger rewards on grocery, no AF, and no FTF. One would be Visa and one would be AMEX so we would be covered in case an outlet doesn't take one issuer.
I said Walmart Delivery, but I meant to say WalMart pickup. We've never done delivery, but my wife loves Pickup. The bulk of our grocery spend on the BCP is Walmart Pickup, followed by Kroger and a locally owned Supermarket.
@JNA1 wrote:
@ZehTy wrote:
@JNA1 wrote:
@ZehTy wrote:
@JNA1 wrote:Welcome to the board! I think most of us would pull the trigger on that AFCU card if we were eligible.
To get a better handle on your actual FICO 8 Score, your Discover card will offer that on your app or online portal.
NFCU offers a solid lineup of cards, and their customer service is very good. They would be good lender to get in with whether you get the AFCU card or not.
I'm not sure if you could PC any of your AMEX cards to no AF cards, but they offer some good cash back cards as well. If your grocery spend is $6K or more, the 6% (its 6% on streaming services too) cash back on the Blue Cash Preferred is worth the $95 AF. It comes with a $300, making it even more worthwhile. I earned $707 in cash back and SUB on that card this first year. If your cards can't be PC'd, it might be worth looking into that one.
Thank you! Yes, I feel kinda giddy because I saw a post about "The Best 2% Cards" and saw someone mention Aerospace FCU and I thought to myself... I work for them, I feel special now and can totally get it!
As for the Discover app, totally forgot it offered that. Looks like back in June it was 800. Currently it is sitting at 770. Looks like the mortgage inquiry knocked it down a bit, which is to be expected.
I would like to sign up for one of NFCU's cards but it makes me wonder, if I go for the AFCU, which would compliment the card so spend can be utilized on both for a gain?
Also yeah, the AMEX charge cards cant be PC'd to a no fee card, they are all to be cancelled and that's it. I suppose its okay to cancel them after the AF hits and then i'll be clear to keep my Points since I can keep the BBP open with no fee. Suprisingly enough, our grocery spend is spend at Sam's Club, and soon to be Costco once the membership on Sam's is done here in a few months since we moved. Also Walmart is right down the road and my wife and I just seem to prefer to go to the closest and cheapest thing. Supermarkets here in NoVA just can't beat Walmart prices. We do of course go to the Asian Supermarkets for my wife occasionally but it does not even come close to $6k. I did get a mailer for the BCP just the other day and it's offering to waive the AF for the first year. Wonder if it's worth it? It'll be a soft pull and my relationship with AMEX is solid and i started it back in 2015.
IDK if you do WalMart delivery, but it codes as groceries on the BCP. It does not code as groceries in store though, even if you buy nothing but groceries.
The most complementary NFCU card would probably be the More Rewards (3% gas, groceries, and dining) although the 3% groceries would be the only one the only category better than the AFCU card. The More Rewards card does a $250 SUB also.
We did do Walmart delivery like twice recently because my wife and I got COVID but the Walmart is a mile away so the convenience factor and tipping the drivers? I dunno, I'm a stickler that tries to look for the best results, lol.
And yes, that NFCU card is the one I keep going back to and would compliment the AFCU card for the slightly stronger rewards on grocery, no AF, and no FTF. One would be Visa and one would be AMEX so we would be covered in case an outlet doesn't take one issuer.
I said Walmart Delivery, but I meant to say WalMart pickup. We've never done delivery, but my wife loves Pickup. The bulk of our grocery spend on the BCP is Walmart Pickup, followed by Kroger and a locally owned Supermarket.
Ah, gotcha!
Walmart pickup we never actually do and maybe did it once or twice like three years ago. That's actually not a bad option if we plan out what we want for grocery and have a set list. This is good, knowing that BCP would be a good and strong option, especially since I got a 0 AF first year mailer recently.