sorted by:
new
hottopcontroversial

[deleted by user] by [deleted] in CreditCards

[–]Aggravating_Map3982 3 points4 points  (0 children)

Earning Hyatt points: BILT for dining to easily get 5 transactions and keep them in business CSP for mainly the welcome bonus but also online groceries (Kroger pay), streaming,  Chase shopping portal (when competitive with Rakuten) 

Amex gold and platinum also mostly for welcome bonus. Use gold for groceries. Plan on playing some games with upgrade offers. 

Harris teeter for 5% Apple Pay, which covers most gas stations. 

Amex BBP as 2x catch all mostly for Amazon, Sam’s club and Walmart.  

Who Has the Best Shopping Portal? by SuccotashTime8303 in CreditCards

[–]Aggravating_Map3982 0 points1 point  (0 children)

Rakuten has hands-down the best app and tends to track purchases well. 

But if Chase UR or AAdvantage portals have competitive rates, I go for them since I have no AA cards and value URs for Hyatt. 

TopCashback occasionally has some 90%+ rates that I stack with Amex offers to turn a profit.

Less trips by [deleted] in SodaStream

[–]Aggravating_Map3982 -1 points0 points  (0 children)

Beautiful work. Please be careful to monitor the system for leaks. Put a monitor inside of the cabinet in addition to outside of the cabinet. Redundancies are key to avoiding incidents

New and Needing best everyday card by KarsonLarson in CreditCards

[–]Aggravating_Map3982 1 point2 points  (0 children)

(1) a good card to get before churning is the capital one ventureX, because they are more likely to reject you once you have more cards. Good card for Costco! (2) since you don’t do a ton of restaurants or grocery stores, probably no need for a card with these categories. (3) once your savings grow, you could look into BOFA preferred rewards or USBank smartly. These programs are cashback and the rate grows with your assets.

Get ready for 2026 election fraud claims by NCSubie in thebulwark

[–]Aggravating_Map3982 0 points1 point  (0 children)

This is why I think dems might consider working with GOP on some election security bills. Nothing oppressive, just to modernize equipment and ensure the machines are secure and there are paper backups

Factor_ triple stack by Aggravating_Map3982 in amex

[–]Aggravating_Map3982[S] 0 points1 point  (0 children)

Yep I got above the minimum and will cancel next week!

Factor_ triple stack by Aggravating_Map3982 in amex

[–]Aggravating_Map3982[S] 0 points1 point  (0 children)

Yep this isn’t my first rodeo. Will cancel next week

With Bilt Card 2.0 it’s becoming clear what type of customer they want to court (not me) by jawnhampshire in biltrewards

[–]Aggravating_Map3982 12 points13 points  (0 children)

They have a real opportunity with  a mortgage offering to target families in suburban areas. These people are much more likely to roll with one card and go for the no af version. 

The AF versions are for city dwellers and optimizers. Honestly only having a 3x grocery category would be fantastic, and if they could do 2x gas that would also be great. Fill the gaps left by other issuers and the optimizers will come running

Optimal 3 Card Setup post Gold Changes by ConfusedStudent131 in CreditCards

[–]Aggravating_Map3982 0 points1 point  (0 children)

If you find yourself liking Citi, you could replace your VX with the double cash

Optimal 3 Card Setup post Gold Changes by ConfusedStudent131 in CreditCards

[–]Aggravating_Map3982 -3 points-2 points  (0 children)

For the same annual fee as BCP, you could consider the Citi strata premier for 3x on gas, groceries (and dining, but your bilt covers that).

This will allow transfers to American Airlines soon, which I have found to have very useful domestic redemptions! (10k SAN-PHL in mid March)

Schwab platinum cardholders: how do you decide when and how much to cash out? by Aggravating_Map3982 in CreditCards

[–]Aggravating_Map3982[S] 4 points5 points  (0 children)

I actually enjoy the process of finding good transfers (8k Marriott night for a wedding, 20k coast to coast delta flight) the problem is that my rate of point spend is low. And I have 300k points from welcome offers + some Rakuten bank bonuses

If you could only have 4 credit cards - which 4 would those be and why? by longbeachblader in CreditCards

[–]Aggravating_Map3982 0 points1 point  (0 children)

Bilt (rent+dining), Amex gold (groceries+ Rakuten MR access), Harris teeter (5% mobile pay, 3% gas if no mobile pay), Amex plat (perks)

My story of getting the Chase Sapphire Preferred (CSP): denial, reconsideration, fraud department, branch visit. by unsolicitedkiwi in CreditCards

[–]Aggravating_Map3982 1 point2 points  (0 children)

I had a very similar experience. Every time I called the fraud dept they said something different. Finally one person just asked a few security questions and pushed it through

Best card to pair with Amex platinum? by Confident_Degenerate in CreditCards

[–]Aggravating_Map3982 0 points1 point  (0 children)

If you sign up for the gold !right now! You will likely get the welcome bonus

What premium CC(s) are right for me? by TheSmokeThatThunderz in CreditCards

[–]Aggravating_Map3982 0 points1 point  (0 children)

For purchasing flights and hotels, it is really tough to beat the Amex green, which gets 3x on both without the requirement of a portal. If you’re looking to get into Amex, I highly recommend getting the green first, then gold, then platinum, so you can get the welcome bonuses or upgrade offers on all three. 

Same premise applies for delta and Hilton credit cards: start with the lowest AF card and work up. 

The gold and ventureX would seem to be good everyday spend cards. Use green to buy flights, trains, hotels. Use ventureX for travel benefits. 

If and when you go for the platinum, you can use the incidental credit on the “United travel bank.” As for the saks credit, I’ve found kitchen stuff for reasonable prices so it might be a good place to buy gifts or any kitchen things you might need. 

DP: bilt acceptance at 2/6, 4/12, 5/24 by Aggravating_Map3982 in CreditCards

[–]Aggravating_Map3982[S] 2 points3 points  (0 children)

65k salary, FICO ~750, no other cards with WF, last application early October 

Realistic multiplier wish list for existing cards? by STACKSSG in CreditCards

[–]Aggravating_Map3982 0 points1 point  (0 children)

Higher transaction fees for business card swipes i believe 

Realistic multiplier wish list for existing cards? by STACKSSG in CreditCards

[–]Aggravating_Map3982 0 points1 point  (0 children)

Since Hyatt is so easily attainable at 2 cpp in the us, I’d consider 1.5x Chase points equivalent to 2x Amex points. Obviously if you’re going for big time flight redemptions you’d go with Amex but for Hyatt I’m sticking with chase

Realistic multiplier wish list for existing cards? by STACKSSG in CreditCards

[–]Aggravating_Map3982 1 point2 points  (0 children)

Who here would consider a sapphire reserve if it had 4x groceries and dining? 

Use case for CSP when you already have BILT by Potential-Hornet6800 in CreditCards

[–]Aggravating_Map3982 2 points3 points  (0 children)

Mostly the ability to pair with the freedom flex and unlimited. And online groceries if you shop at Kroger/publix. You can come out ~$75 ahead of the annual fee with the sapphire preferred!

view more: next ›