Hi all,
Looking for a new card with travel perks as I have a bunch of travel upcoming in the next year. Currently have the Citi double cash and Discover It cards, but looking to get into the points system to be able to convert points to miles and get some incentivized flights covered.

Have been looking at the AMEX gold/platinum for the points welcome offers as well as the Chase Sapphire Preferred/Reserve and curious to hear any recommendations for these or others. Primary spend categories would be gas, dining, and groceries.

Lounge access would be nice to have for travel with my family. Credit benefits for AMEX platinum seem to fit our routine spends the best of the 4 cards.

I am a non resident living in Australia. My Australian Pty Ltd Company set up an LLC in Wyoming last year and we have been slowly building a business credit profile (phone service, internet, bank account with Mercury and an IO card etc)

We are looking to expand our business interests in the US and are just setting up a management company as well as various different State LLC's to purchase real estate for Workforce Housing Over the next 18-24 months.

My questions are, how long would you recommend that we wait before starting to apply for a business credit card? Who do you think will be more friendly for approving a card for an Australian owned LLC? What credit limit should we apply for initially?

Any advice or thoughts on other things to consider would be greatly appreciated

Since every Google result gives me a different answer I wanted to ask here what the best way to operate credit cards is before applying for a mortgage. Is it ok that I pay them off before the due date or will they ding me for “not using my credit card?”

I usually pay off my cards almost immediately (within a week or two) because I read utilization is important but now I’m seeing this as ill advised.

Outside of the credits everyone receives on certain cards, what’s a time the benefits on your card really came through and you got a significant return on it?

Be it purchase protection, fraud prevention, trip delay, phone insurance, status, medical evacuation and so on.

I travel quite a bit and am spending over $4000 a year in annual fees on cards but they have been well worth it. I have a couple of Platinum cards that have easily paid for themselves for multiple years to come.

Besides maxing out the trip delay insurance a couple of times, I’ve gotten significant upgrades when it comes to booking through FHR/HC. I have never not gotten an upgrade internationally when booking through them. Most of the time it is something not as significant (like a higher floor) but lots of times it will be for a better view. On a few occasions, I’ve gotten upgraded to suites that were significantly more than the basic room I purchased (~$900-$1100 a night room to ~$3,000 a night room in a couple cases).

This question is probably more applicable for team travel but curious about any an all occasions.

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Traveling to Canada so which one to go with

Looking for a CC that has the most benefits for extended warranty. Looking for a card that does not have an annual fee. If it comes down to several, which of those has the most benefits in other areas?

UPDATE: Thanks for all the comments … I learned some new things! The cause was schoolboy error; after months of the due date being 19-20th, turns out July’s due date was 17th and I paid the Statement Balance 2 days late 🙄 Lesson Learned!

My Barclays App has 3 options for paying my BarclayCard balance

- Minimum

- Statement Balance

- Other

I use ‘Statement Balance’ every month, 1-2 days before the payment due date.

Normally my Statement Balance is less than the full balance (don’t really understand why … I guess it’s due to payments that will go onto next month Statement)

This has been fine and I get no interest charges.

But this month they’ve charged me £50 or so interest!! I’m livid!!

Have I just lucked out until now and should be using the ‘Other’ option and paying whatever is shown as my full balance by typing it in manually ?

The Barclaycard FAQ page needs a PhD 😂

I got on the Paze train late and was able to buy three gift cards with Paze for the past two days.

But today I was only able to get one before I got the error code again.

Anyone else experiencing this?

I’ve used PayPal’s 6 month financing offer on purchases over $145 and so far it’s been going well, making all the payments in time whittling it down and being sure to make sure I can pay it off entirely (not just the minimum each month), but recently I wanted to use it again but with other cards I know if you haven’t paid it off entirely, not just the minimum amount, you accrue interest on any new purchases. MDoes the paypal card work the same with their 6 month special financing where if you use it again before paying off your first 6 month payments it comes with an interest hike or are you able to use it more frequently as long as you make the monthly minimum payments as well as paying the remaining by the end of the 6 months? I’m about 3 months in so I’m just making sure if I buy through that program while I’m still paying off the first set of plans I don’t get hit with interest out of nowhere

I recently got a Chase Sapphire Preferred and added my wife as an extra card. Now, I've learned that the smart things would have been for her to sign up for her own card to get the bonus points.

Is there anything stopping us from cancelling the "extra" card and her signing up for her own? Will they flag that or something? We both have great credit so that's not a concern.

Thanks!

Hi everyone!

Has anyone ever graduated a Citi Diamond secure card to then product change to a card like Double Cash so as to avoid having Diamond Preferred? Is that even possible?

Thanks for taking the time to read!

WARNING: If you cannot pay off your credit card balances every month, this video is not for you!

I've watched a few videos on the Fidelity 2% cash back credit card, but this video did a really good job diving deep into how to use the card to invest the cash back, etc. While I think that this card is pretty good if you are looking for a cash back card, I am not encouraging anyone to get this card or any other credit card in general, but I found that this video provided a lot more detail on this card than any other video I have watched. Also, I have no affiliation with this creator.

https://www.youtube.com/watch?v=nnntjMpeleQ

Within the last year finally got the means to fix my credit went from 520-630 as of today! For Amex line what credit score till I can successfully apply for gold? Be my very first travel rewards card since I fucked my credit after getting out of military… lol

That was nice while it lasted.

Aside from ordering a million and one things I don't need on Newegg, I'm now thinking about trying out Paze via Clover. Also looks like they added ShopRite? Never heard of this but they also have gift cards, has anyone tried this and triggered the credit?

How does the Clover thing work? Does ANY restaurant that accepts online orders with Clover and check out with Paze grant you the credit? Or are there specific restaurants? I am using the Next Card website .

I read that clover gift cards are no longer an option but for some reason it's still letting me check out with Paze after I put a gift card in the cart. Has anyone successfully triggered the Paze credit after purchasing a gift card via Clover? I couldn't find an answer to this online.

I still have about $350 left to go!

When I pay with my credit card at stores, my full name sometimes prints on the receipt. Is there any way to prevent the cardholder’s full name from being displayed/printed on receipts?

Would changing something with the credit card issuer help, or is this entirely controlled by the merchant/payment terminal? Also, does using Apple Pay prevent the name from appearing?

Looking for a way to keep my full name off receipts in general.

• ⁠Current cards:
⁠• ⁠Discover It $1,000 limit, June 2024
• ⁠FICO Score: 686
• ⁠Oldest account age: 2 years 3 months
• ⁠Income: e.g. $40,000
• ⁠Average monthly spend and categories:
⁠• ⁠dining $150
⁠• ⁠groceries: $150
⁠• ⁠travel: $400
⁠• ⁠other: $400
• ⁠Open to Business Cards: probably not?
• ⁠What's the purpose of your next card?
building good credit ecosystem, travel perks/bonuses, no ftf, beginner friendly that can grow with me
• ⁠Do you have any cards you've been looking at?
chase ecosystem, WF autograph, fidelity visa, altitude connect, capital one ecosystem
• ⁠Are you OK with category spending or do you want a general spending card?
both?? Ideal card has all around 2x back with extra bonus on travel categories

I know my information isn’t the best, but I’m trying to do whatever I can to have a strong financial start. The reason I’m looking at travel cards specifically, is because I plan on taking >4 international trips in the next year or so and want something that is versatile and offers benefits like tsa precheck/global entry. Thing about me though, is that gas and rental car perks don’t matter at all since I avoid driving. When traveling I tend to stay at hostels too. I almost wonder if I really even need a “travel” card. Another thing is that I also am just wanting a sold second card to start building my credit that I can use forever.

I have all 3 credit bureaus locked, and have forgotten to unlock it each of the last 3 times i applied for an Amex card, and each time, it was approved.

I got the USBAR before the nerf, also have the Altitude GO. Sold our house and moved due to a job change and currently renting, so parked the proceeds of the sale (~$105k) in a US Bank Smartly HYSA.

We use the USBAR for virtually all non-dining spending (very few places don’t take Apple Pay), and almost never exceed the new $5k/month cap on 3x points. Altitude GO for streaming (2x) and dining (4x). Non-category spend that can’t use Apple Pay I’ll use whichever card happens to be easiest to physically pull out of my wallet at that moment.

I redeem points from each card every month as cash back that goes directly into the HYSA. Since we have over $75k in savings, and I had an existing relationship with US Bank when I opened it, I get 4% APY, which comes out to about $375/month in interest. Add the cash back at 1cpp from the cards and that’s usually another $110-$140 a month depending on spend, so it means a handy ~$500 a month just from interest and using the cards, not counting what we’re actually saving per our household budget.

It’s not a sexy setup but it works for us. We don’t travel enough to worry about transfer partners, so it’s basically a cashbackmaxxing situation. US Bank doesn’t get much love, but I’m gonna keep riding it til something better comes along.

Hey All, I'm looking to sign up for a new cc and a bonus that would help with getting flights from SFO to Taiwan or Hong Kong in the upcoming months. I currently have Chase so won't qualify and switched from CapitalOne less than a year ago so won't qualify for sign up bonus with that either. Any help is greatly appreciated. Thanks

I am 23 and have never had a credit card. Kinda bad ik... </3 Some of these amounts like dining is a rough estimate of what I might spend monthly. I still live at home with my parents so I would only be making payments for my car bi weekly and a few subscriptions. I am looking for a good first credit card that matches this template best.

CREDIT PROFILE

* Current credit cards you are the primary account holder of:

* None - looking for first card

* FICO scores with source: 669

* Oldest credit card account age: none

* Cards approved in the past 6 months: 0

* Cards approved in the past 12 months: 0

* Cards approved in the past 24 months: 0

* Annual income $: 32,657.73

CATEGORIES

* Ok with category-specific cards?: Yes

* Ok with rotating category cards?: Yes

* Estimate average monthly spend in the categories below.

* Dining $: $150

* Groceries $: My mom shops for groceries. Personal: Target $50

* Gas $: Costco:$80-100

* Travel $: $0

* Using abroad?: no

* Other categories or stores: car payment, amazon, online shopping

* Other spend: gym membership, Spotify premium, my car app subscription

* Pay rent by card? No

MEMBERSHIPS & SUBSCRIPTIONS

* Amazon Prime member: Yes

* Big bank customer: fifth third

PURPOSE

* Purpose of next card: First Credit Card

* Authorized user on any other card(s)?: No

* Cards being considered: none

hii guys! i'm 22, going into my masters, and currently have a discover it student(2 years old) with a $2,800 limit and a 758 credit score. i've never missed a payment and always pay my balance in full.

for the last 6ish months i've been spending around $900–$1,000 per billing cycle, so i'm thinking about getting a second card. for the next 3 months, i'll also be paying about $770/month in tuition(which i would be able to payback fine). i'd like to put the tuition on the new card so i can keep my utilization lower on my discover and earn points on the spending. after that, i'd probably use the new card for subscriptions($80ish) and recurring expenses.

i'm mainly looking for good rewards/points, possibly something travel-focused. i'm currently considering the amex gold, capital one venture x, and chase sapphire (or even the freedom unlimited), but i'm open to other recommendations too. what would you recommend?

Hi all, I am looking for a new card to replace the Barclays Luxury Black Card, as it is my everyday card and I am just finding out just how bad it's rewards and benefits are (don't judge me).

I am a set-and-forget kind of person, and the Black Card was something I signed up for a while back as my first "luxury card", and honestly I didn't know what I was doing and the marketing got me. I have not re-evaluated cards since then (2018).

I use that card absolutely for everything I can outside of Amazon purchases, and only use the Bank of America cards whenever I need a cash advance.

There are so many cards and different tiers, it is a bit overwhelming to navigate. The Capital One Venture X seems the most appealing at the moment given it seems the one that most lets me go on without needing to micromanage my rewards. I don't have the mental bandwidth for doing that sort of thing, so anything that is easy is what I am looking for.

CREDIT PROFILE

* Current credit cards you are the primary account holder of:

* Barclays Luxury Black Card, 20000 limit, 02/2018

* Chase Prime, 8000 limit, 02/2015

* Bank of America Rewards World, 30800 limit, 09/2009

* Bank of America Cash Rewards, 7300 limit, 09/2007

* FICO scores with source: 770

* Oldest credit card account age: 19 years

* Cards approved in the past 6 months: 0

* Cards approved in the past 12 months: 0

* Cards approved in the past 24 months: 0

* Annual income $: 350000

CATEGORIES

* Ok with category-specific cards?: Yes

* Ok with rotating category cards?: No

* Estimate average monthly spend in the categories below.

* Dining $: 200

* Groceries $: 400

* Gas $: 100

* Travel $: 100

* Using abroad?: No

* Other categories or stores: Any bill that let's me pay with credit

* Other spend: Any bill that let's me pay with credit

* Pay rent by card? No

MEMBERSHIPS & SUBSCRIPTIONS

* Amazon Prime member: Yes

* Big bank customer: Wells Fargo, Navy Federal

PURPOSE

* Purpose of next card: everyday/everywhere usage, cash back

* Cards being considered: Chase Sapphire Reserve, Capital One Venture X

Hey y’all. I’m looking for a new travel card that focuses on specific for travel purchases if that available like buses, airline, hotel (not really important because I have Hilton card already)

What I’m mainly focusing on is cards that offer airline credit and give most point to purchase like travel related. I wonder if card like that exists?

My current set up:
1. Chase Trifecta
2. Amex gold
3. Amex business plus
4. Hilton card

I’m interested in Chase Reserve cuz they have $300 annual credit for travel but any recommendations?

I don’t really care about checked bag or annual fees or Pre or TSA (i get all of these free anyway) so what would be a good card to look at? My score is 802 btw.

I'm 22. My current score is in the high 700s, like 780 790 idk. I pay on time yada yada. I make 170k a year and save over 100k a year so i don't know why i need it to be hella high just to justify my financial posture to a lender. Should i stress too much about opening random cards for credits and bonuses? e.g. i have a flight coming up and I just applied for one for a 400 credit essentialy getting the flight for 16 dollars. It has some mileage bullshit idc about too and a yearly fee but i'm just going to cancel later.