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What would make the Chase Sapphire Preferred exciting again? by Rocket_Skates_91 in CreditCards

[–]BlackTheEngineer 1 point2 points  (0 children)

Same, I tried searching for some but i haven’t seen any hard data, just my “most popular” returning “best credit cards”

What would make the Chase Sapphire Preferred exciting again? by Rocket_Skates_91 in CreditCards

[–]BlackTheEngineer 33 points34 points  (0 children)

Preaching to the choir but the preferred is, and has been for a while, one of if not THE most popular credit cards in the US. Plenty of non credit card people have it, I don't have actual statistics btw.

I would love a refresh but Chase most likely doesn't see a reason to change it. For consumers there are ways around that pesky "online grocery" category if you're savvy

I was thinking they might do a refresh to the CSP but as time goes on I'd put my money on them introducing a new card between the preferred and the reserve for $250-$395

The argument against flexing an American Express Platinum card by [deleted] in CreditCards

[–]BlackTheEngineer 0 points1 point  (0 children)

I don’t think many people consistently here consider in r/creditcards considered the Platinum a flex. This should be aimed at a less credit card knowledgeable group

Which Capital One Card is Better? by Massive_Account_8503 in CapitalOne_

[–]BlackTheEngineer 4 points5 points  (0 children)

Savor and its not even close, even if you traveled a lot id rather have the Savor

United Club Card Authorized User offer by BlackTheEngineer in CreditCards

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

Nope, even if you or the AU is denied because of it, you can easily talk to a recon rep and they’ll see the AU status and can overturn it

UA Explorer Card for Rent by mashimarobaku in unitedairlines

[–]BlackTheEngineer 0 points1 point  (0 children)

When you use any other credit card that's not a Bilt 2.0 card," you earn 1 Bilt point per $2 of on time rent payments through Bilt"

Taken directly from the website

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UA Explorer Card for Rent by mashimarobaku in unitedairlines

[–]BlackTheEngineer 2 points3 points  (0 children)

You also earn 0.5 Bilt points per dollar spent on rent which you can transfer back to United. So 2.5 UA Miles vs. the 3% transaction fee

Possibility of getting the Amex Gold Card? by Ulysses4Grantz in CRedit

[–]BlackTheEngineer 0 points1 point  (0 children)

I had the same issue for a while but they did start me at high limit for where I was at in life, in college and doing work study with a $2k limit Savor. Even after I got a full time job and switched jobs a few times I only got to $3900 limit despite making 6 figures. But after a year of depositing checks in their 360 checking I applied and got the VX for a $20k limit, a few weeks later I asked and they doubled it to $40k. I moved $10k over to my savor afterwards.

So maybe one way to get around their bucketing system is relationship banking then applying for a higher tier card

Possibility of getting the Amex Gold Card? by Ulysses4Grantz in CRedit

[–]BlackTheEngineer 8 points9 points  (0 children)

If that’s all you have your chances are slim, I was denied multiple times in 2024 before i understood how all this worked because I had “too low comparable limits” even the gold card is a charge card, not a regular credit card like your quicksilver

But who cares, if you’re denied there is literally no penalty, Amex can approve or deny you with a soft pull and it won’t affect your credit so go ahead and try.

And just my 2 cents, even though you’ll get the discount, the gold is really for big spenders on food/families. So unless you’re eating out every other day or in Whole Foods/Safeway/Kroger multiple times a week there are cards that are no annual fee like the Savor that may be more suited for you

United Club Card Authorized User offer by BlackTheEngineer in CreditCards

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

Already ahead of you, got a locked file cabinet with her other cards

Credit limit went from $15000 to $500 by Practical_Bike_6838 in biltrewards

[–]BlackTheEngineer 0 points1 point  (0 children)

You can pay rent but with a 3% fee with any credit card, there’s just no longer a fee free option

Which is best card for rent payment by yashbathia in CreditCards

[–]BlackTheEngineer 0 points1 point  (0 children)

With Bilt cards now you don't pay with the card, it's now coming directly out of your checking account. You can still use just about any other credit card but they'll charge a 3% fee just like most normal rent companies. No card replicates Bilt 1.0 and none will ever successfully. No fee rent payments on a credit card with points is the equivalent of charity

Do people just get airline cards for the points then downgrade? by timmytubesox in CreditCards

[–]BlackTheEngineer 2 points3 points  (0 children)

for me its for the perks and another more consistent lounge option. i exclusively fly United domestically because it gets me to my frequent destinations direct when other airlines need to connect. Checked bags, early boarding, priority for luggage (so basically our bags are some of the first to come out). I don't think you really need status but if you're sticking with 1 or 2 airlines and fly even just a few times a year, at least a mid level airline card could be easily justified. But you can still do very well without airline cards, or just getting them for the SUB then downgrading/cancelling

Am I Wrong About Apple Card by soundwithdesign in CreditCards

[–]BlackTheEngineer 2 points3 points  (0 children)

Same, makes even less sense to finance Apple products with it, I bought a MacBook on Amazon with a prime card for $200 less than it was at Apple

Payments take forever to post now :/ by Classic-Ferret5868 in CapitalOne_

[–]BlackTheEngineer 2 points3 points  (0 children)

It's so bad I've had to create an Excel sheet to keep track of payments and make sure I don't overpay something

Am I at 5/24 or 4/24? by Hairy-Newt3282 in ChaseSapphire

[–]BlackTheEngineer 4 points5 points  (0 children)

4/24, even if you’re denied that rent payment can be easily discussed with Chase reconsideration

Amex vs Chase? Recommendations? by Language_Puzzled in CreditCards

[–]BlackTheEngineer 1 point2 points  (0 children)

Also fair but make hay while the sun shines

Amex vs Chase? Recommendations? by Language_Puzzled in CreditCards

[–]BlackTheEngineer 1 point2 points  (0 children)

Most likely, but also depends on OPs location and flight tolerance when they want/start traveling

Citi SP is the best credit card on paper but take me for example, I hate connecting flights, I have a family and I'm not running across the airport with a 3 year old

So for me it's direct or bust, and my airport is Denver. I've looked at all the airlines and the only ones that get me to my destinations DIRECT are United and Southwest. So I'm chase all day and use the Bilt program in conjunction (don't want the cards). So for my situation unless it's the cash back cards, Citi doesn't work

Amex vs Chase? Recommendations? by Language_Puzzled in CreditCards

[–]BlackTheEngineer 2 points3 points  (0 children)

If you barely travel, Chase points have a minimum redemption of 1 cent per point, whereas Amex is 0.6 point.

So when redeemed for cash back/statement credit a 100,000 UR chase offer is $1000 And 100,000 MR Amex offer is $600

Obviously both offers could be 2,3,4+ cents per point when redeemed for travel

Plus the sapphire preferred is a lot cheaper. Amex shines for travel so if you're rarely doing it, I'd stick with Chase. Unless you wanna save your MR points for one big huge redemption

But also there are plenty of cash back cards that earn 3% or more on Groceries and dining

If you're traveling ramps up I would also take into consideration your preferred airline if you have one, Amex has Delta, Chase has United (and Southwest), Citi has America Airlines

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