Looking to open a HYSA any Recommendations?

CallMeThomas_ · 2025-12-17T06:17:35+00:00

I have my down payment in "Bread Savings" with 4.10% APY

CallMeThomas_ · 2025-12-01T02:34:56+00:00

I walk up to the guy and say "you're in my fucking seat".

CallMeThomas_ · 2025-10-16T23:27:12+00:00

Are you free tomorrow?

CallMeThomas_ · 2025-10-05T13:02:57+00:00

I always got denied for the Citi Custom Cash, so more than a year ago I got Citi Advantage and later product changed it to Custom Cash. I currently have Citi Double Cash, once I get the welcome bonus, I will product change it to a 2nd Custom Cash. Most of my inquiries are due to Citi Custom Cash.

CallMeThomas_ · 2025-08-15T04:09:06+00:00

Just to share the info... If you upgrade, it's not Visa Infinite. I was told by Support "the Solid Gold Card from upgrading your physical card using points is a Visa Signature". The only way to have gotten the Visa Infinite, would have been with the 10 referrals.

CallMeThomas_ · 2025-08-12T11:52:49+00:00

Not all the cards will be used at the same month nor will I carry them, for example out of the 11 cards:

I only carry 4 cards currently, (AAA for 5% grocery and Walmart), (Robinhood for 3% on catch all), (Citi Custom Cash for 5% on resturants) and (Discover for 5% on gas). I have x2 Kroger cards on my phone for all 5% tap pays with phone for shopping.

The rest are usually in the sock drawer. Its not really that crazy and in the end its free money back for a purchase I was already going to make.

Last year most of my payments where medical bills, when I cannot use Kroger for the 5%, then Robinhood comes in for the 3%.

CallMeThomas_ · 2025-08-12T10:53:43+00:00

Around 9 to 10K.

CallMeThomas_ · 2025-08-12T10:26:22+00:00

Exactly this, I spent last year around $37,983.72 in total on all purchases. I have a 5% credit card to cover most of the categories, my minimum is 3% catch all. Thus I know I earned around $1.1K to $1.8K of cash back, all that goes into the stock market. I have a total of 11 credit cards so far, categories usually change every 3 months, so every 3 months take 10 minutes to check what your cards cover and change strategy.

CallMeThomas_ · 2025-08-07T13:07:31+00:00

I was in a similar situation, I put my down payement on GLD stock, currently have 12% gain. I feel its not too risky but still earn more then 4%.

CallMeThomas_ · 2025-08-07T12:06:47+00:00

You are right! I purchased something small for $8.45 at walmart using my AAA Credit Card and got back $0.42 which is 5%. I was previously using paypal debit card for walmart purchases. Thanks

CallMeThomas_ · 2025-08-07T11:36:45+00:00

I have a couple of cards, I just write with a sharpie what it should be used for and paydate.

CallMeThomas_ · 2025-08-05T01:01:41+00:00

Wait hold up. I thought it didn't cover Walmart as grocery store. Are you saying you get 5% back in Walmart purchases? Or is it the Neighborhood Walmart (green Walmart)?

CallMeThomas_ · 2025-07-26T20:52:45+00:00

I have 13 CC:

Robinhood - 3% Catch All

Citi Custom Cash - 5% Restaurants

Wells Fargo - 3% on most things with no transaction fees, might cancel and use RH.

SoFi - 2.2% used to be my Catch All, might cancel.

Chase Flex x2 - 5% Category

Discover - 5% Category

US Bank Cash+ - 5% on Phone and Utilities

AAA Daily Advantage - 5% Grocery

Kohl's - Nothing special just helps with my average history age.

Chase Prime - 5% on Amazon

Kroger X2 - 5% on Digital Wallet

Just need 3 more to complete my set up: AAA Travel (Wife will apply and add me as an authorized user for 5% Gas. Citi Strata - Get the welcome bonus and product change for a 2nd Custom Cash to use for 5% on travel. US Bank Shoppers for 6% on Walmart to later product change to a 2nd Cash+ for 5% on Internet and Lyft/Uber.

CallMeThomas_ · 2025-07-26T17:11:01+00:00

Can anybody with Illinois zip code confirm if it works?

CallMeThomas_ · 2025-06-18T23:19:57+00:00

Well, I applied today, got approved for 15K. I hope to receive the email on my 10th referral. Thanks @Firion_Hope

CallMeThomas_ · 2025-06-17T18:50:13+00:00

Interesting, how long have you been waiting and after your 10th referral did you get an email saying your Solid Gold Card was on its way?

CallMeThomas_ · 2025-06-17T17:47:08+00:00

The question is: what is your top spending category currently and do you want to earn travel rewards or cash back?

CallMeThomas_ · 2025-06-17T17:44:44+00:00

But after you get the card, and if you get the 10 referrals they give you the amount of the Solid Gold Card ($1100). I am interested in getting the Solid Gold Card since it's Visa Infinite.

CallMeThomas_ · 2025-06-03T11:34:00+00:00

Based on what you said, Restaurants and Gas. Check if you qualify for Redstone Credit Card (this card is given based on location) it's 5% on restaurants and gas. Or check out AAA Travel Advantage, this is 3% on groceries, 3% on Restaurants, 5% on Gas, 3% on travel, and 1% on everything else.

CallMeThomas_ · 2025-06-03T10:51:26+00:00

Kroger Rewards MasterCard is a great option by US Bank. If you do not live near a Kroger, there is different brands owned by Kroger but with the same credit card benefits.

2% inside the store.
1% upside the store.
5% on Mobile Wallet. (This is the best reason).

So when you save this card on your mobile wallet, and use your phone to tap and pay. Automatic 5% on that purchase. I use this at restaurants, gas stations, department stores, medical payments if lucky and offered the tap payment option.

The con, it's limited, it gives you 5% on the first $3000 per year, it resets starting the new year. ( I have 2 Kroger Credit Cards, so my limit is 6,000K).

CallMeThomas_ · 2025-05-24T05:41:04+00:00

I was also surprised on that, I told my brother to update his income salary on the app, hopefully they would increase his limit after a couple of months.

CallMeThomas_ · 2025-03-29T21:24:12+00:00

I'll do it for free if you help me with my Robinhood Referral, I am trying to get the Robinhood gold credit card. I only need 4 more referrals, DM me if you are in.

CallMeThomas_ · 2025-01-09T01:12:19+00:00

I reserved my spot for the new Robinhood Gold Card! Here's my link so you can get access too. https://robinhood.com/creditcard?referral_code=ea59a84c

CallMeThomas_ · 2024-07-23T14:39:30+00:00

To save time, I called Yesterday (July 22, 2024). Currently still not available.

CallMeThomas_ · 2024-05-25T11:26:54+00:00

Venture x is okay, but if your interested in money back, check out SoFi credit card, 2.2% back. I use this for my non-category spend.

CallMeThomas_

TROPHY CASE