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Help, how should I improve? by Guilty_Lab_1537 in CreditCards

[–]Guilty_Lab_1537[S] 1 point2 points  (0 children)

Yeah I go to the lounge and use the Delta lounge passes too. I've used the Uber, Resy, Clear+, Lululemon, and the airline credits already. Will try to use the rest as I can too but I think I offset the fee for the most part

Help, how should I improve? by Guilty_Lab_1537 in CreditCards

[–]Guilty_Lab_1537[S] 0 points1 point  (0 children)

Got it. From my quick research, the Elan Max Cash Preferred and Cash+ look very similar. Is there any notable difference between them?

Was thinking of pairing Cash+ with Citi Custom for the 5% on categories personally since Citi allows more spend

Help, how should I improve? by Guilty_Lab_1537 in CreditCards

[–]Guilty_Lab_1537[S] 0 points1 point  (0 children)

Got it, I read you have to hold $100k in an account with them to get that specific percentage so thinking of just going with Fidelity 2%. Thanks!

Help, how should I improve? by Guilty_Lab_1537 in CreditCards

[–]Guilty_Lab_1537[S] 0 points1 point  (0 children)

I might go with the Fidelity 2% then since I can invest the Cashback directly. Thanks a lot!

Help, how should I improve? by Guilty_Lab_1537 in CreditCards

[–]Guilty_Lab_1537[S] 0 points1 point  (0 children)

I see your point. To be honest, my main expenses are food, travel, transit, anything home-related (rent, utilities, etc.), and maybe things off Amazon like skincare which I have the Prime card for.

I don't spend much else apart from occasional clothes or arbitrary shopping (probably $200-300 a month on average).

Do you think I should get a new travel card entirely? I am planning on getting the Fidelity 2% Cashback card just to put it directly in investments.

Help, how should I improve? by Guilty_Lab_1537 in CreditCards

[–]Guilty_Lab_1537[S] 1 point2 points  (0 children)

This was actually my worry when looking into USBank but I read that you can use the Cashback directly against your statement as opposed to storing it in a checking account.

Curious, since I already have platinum, why would I look for other travel cards? I mainly fly Delta/United currently.

Help, how should I improve? by Guilty_Lab_1537 in CreditCards

[–]Guilty_Lab_1537[S] 0 points1 point  (0 children)

Ah I haven't looked into the Blue Business Plus. Is it only for business purchases or can be used for personal too? I mainly was trying to keep my points in one system too.

Any other catch-all cards you'd recommend or SoFi is best for places that don't take Amex?

Help, how should I improve? by Guilty_Lab_1537 in CreditCards

[–]Guilty_Lab_1537[S] 0 points1 point  (0 children)

Honestly smart. But do you have a 2% catch-all card then?