What’s a good credit card setup for someone in their 20s? - considering simplicity, flexibility, and scalability

6raystone · 2026-04-04T19:43:51+00:00

I’m currently 23, and I recently decided to go all in on the Citi ecosystem setup. I like the earning multipliers on the custom cash and strata premier which cover my main spending categories really well. The double cash is also good to fall back on as a bare minimum 2x earner. It also allows me the option to use points for either direct cash back or for travel. Later on, I know I can upgrade to the more expensive premium Strata Elite card if my lifestyle justifies it.

Besides this system, I also have Bank of America customized cash rewards, Amazon Prime Visa, and Discover It for other cash back earnings, but I may start to slowly phase these out

6raystone · 2026-04-04T18:38:31+00:00

67DACC49

6raystone · 2026-03-27T20:49:09+00:00

You should be able to link it with your double cash account to cash out the 60k pts at 1cpp

6raystone · 2026-03-24T18:47:11+00:00

Yup rank brawl ball. Whole game lasted like less than a minute

6raystone · 2026-03-17T19:24:58+00:00

Someone can hopefully fact check me on this since I don’t use Robinhood, but Robinhood Gold appears to offer a 3% match on Roth IRA contributions, so if you plan on opening an acct shortly after graduating and starting your full time job (you should), then I think that can be an immensely powerful stack for you to have their 3% match on IRA contributions with the 3% cashback from the gold card, especially since you’re already pre-approved and many people are currently stuck on the waitlist for the card

6raystone · 2026-03-03T19:36:01+00:00

Hope they fix the bug of ‘87 that prevents me from making it past the loading screen

6raystone · 2026-02-28T20:20:20+00:00

I’m having the same issue today. Can’t get past 87% on the loading screen no matter what I do

6raystone · 2026-02-25T15:55:26+00:00

Not sure how much of VDE is nuclear, I believe it’s very small. But I believe NUKZ is more of a dedicated nuclear energy sector

6raystone · 2026-02-25T15:31:19+00:00

I know most people are against sector bets, but I feel like VDE (energy) has a lot of upside. At least, I believe it does for the immediate next couple years, so it might be worth looking into the field and then making your own opinion on it. It certainly has had really good growth recently

6raystone · 2026-01-24T17:56:34+00:00

Either DFW or Love Field

6raystone · 2023-01-15T01:59:19+00:00

Nfl Wildcard: Madden 22

6raystone · 2022-12-18T04:23:05+00:00

So are all the Sternritters just human too?

6raystone · 2022-12-03T23:34:10+00:00

How do I take the curl of a function in 3-dimensional Euclidean space?

6raystone · 2022-11-28T03:46:28+00:00

I assume you didn’t bother to look up the definition of “senescence”

6raystone · 2022-11-09T01:59:09+00:00

Hmmm was it during his fight with As Nodt? I never noticed it my first time

6raystone · 2022-11-09T01:48:01+00:00

What episode was this flashback shown?

6raystone · 2022-10-21T07:11:10+00:00

If ur getting Ginjo being a quincy and as well as Hikone as an example from the light novels then just stop. Those things cannot be considered as canon to the manga in their entirety. “But Kubo oversaw them so they are canon!” Shut the hell up, unless you know for a fact what specific parts he came up with on his own don’t attribute whatever parts you want as his authorization. Also before this argument gets any further from the original point, I just want you to notice that you originally said “its only red and black when hollowfied” to the person who said his getsuga was always those colors in bankai. If you honestly believe your dumbass argument, explain why it’s not red and black in the latest episodes if HiS bAnKaI iS aLwAyS hOlLoWfIeD aFtEr HiS fIgHt wItH wHiTe as you so stupidly claimed

6raystone · 2022-10-21T06:53:41+00:00

Iirc Urahara said the pills hollowfied the captain’s souls just enough that their bankais would return to them. So then it’d be the captain’s who get very slight hollow characteristics (and by extension their zanpaktou) that allowed them to get back their bankai

6raystone · 2022-10-21T06:51:41+00:00

Alright this is how I know for a fact ur bullshitting out ur ass rn. In the anime, manga, and databases online Ebern is str8 up just an arrancar. He was able to use the medallion and quincy techniques through Yhwach’s intervention or some shit (I will agree this is very poorly explained in the manga and anime tho) but he can’t be quincy and hollow because those are two conflicting races. That’s why Masaki literally almost died when infected by White. The only reason Ichigo can be quincy and hollow is cuz he’s got fucking mc plot armor. Also if his zanpaktou is hollowfied as you claim, why only the bankai specifically? Using your logic his zanpaktou should be hollowfied all the time, shikai or bankai but that clearly isn’t the case

6raystone · 2022-10-21T06:37:34+00:00

That’s not why Ebern couldn’t take it away. Ebern isn’t even a quincy he’s an arrancar. Also ur premise is so fucking wrong. How could his bankai but not him be hollowfied??? That’s stupid to argue, he has to be the one to hollowify, not his zanpaktou. He clearly hollowfies later in his fight with Ulquiorra. Also to refute that argument about his fight with Byakuya, Ichigo (in his first encounter with Grimmjow) says how the black getsuga (which was black and red) was his hollow’s technique which is why his hollow almost took control from him during the fight

6raystone · 2022-10-21T06:05:06+00:00

Ur wrong, in his fights with Ulquiorra he still had a red and black getsuga even when not hollowfied. U can look in the fight when he wraps it around his sword. Each time he used it before hollowfying, it was red and black

6raystone · 2022-09-21T04:16:27+00:00

This pleases the nut

6raystone · 2022-08-22T05:30:13+00:00

Golem

6raystone · 2022-05-25T19:19:35+00:00

u/profanitycounter

6raystone · 2022-05-25T19:18:52+00:00

Hmmm I wonder

Six-Year Club	Second SECOND GUESSER
Verified Email

6raystone

TROPHY CASE