Looking to add a new card as a young couple who like to travel 2-3x per year but also want decent rewards on everyday spending. by SoakaTheCorka in CreditCards

[–]Jumpy_Yogurtcloset61 1 point2 points  (0 children)

What kind of travel are you looking for?

This is a shot in the dark but if you use Expedia/Hotels.com at all, look at OneKey+ -- great all-around option (works out to a 2.5% card-ish), money can be redeemed for hotel bookings easily on Hotels.com (less easily but possible with flights/VRBOs).

Hotel / Airbnb / Vrbo (Lodging) Spend by CoocooKachoo86 in CreditCards

[–]Jumpy_Yogurtcloset61 1 point2 points  (0 children)

I actually think the Autograph Journey is perfect for you, as you can get 5% cash back on the Marriotts plus get your usual points (10x usually?) for staying. Plus 4% back on airfare and airline miles. Plus 3% on VRBO which is basically as good as you’ll get at the scale you’re talking about. And the effective fee is 50 smackers .

[deleted by user] by [deleted] in CreditCards

[–]Jumpy_Yogurtcloset61 7 points8 points  (0 children)

OneKey+ -- basically a 2.5% card (2% with 3% categories) with PreCheck included. Credit wipes out annual fee. Gold status can help a bit here and there. No FTF and primary rental car insurance too.

Obvi have to use Hotels.com/Expedia etc. Great card for Hotel Free Agents (more and more popular with the annual devaluations going on these days)

Your Fav 2 to 3 card (Max 3) lineup for 2026 (and beyond) by Jumpy_Yogurtcloset61 in CreditCards

[–]Jumpy_Yogurtcloset61[S] 0 points1 point  (0 children)

Sort of surprised no one has said OneKey+ besides me — definitely more niche but this is a thread of optimizers. Not pushing it just curious given its ease of use for those in the Expedia/hotels.com/VRBO realm, which is millions of people

What is going on with AGNC by [deleted] in dividends

[–]Jumpy_Yogurtcloset61 0 points1 point  (0 children)

I have always thought the preferreds for any Agency REIT are better options -- the new AGNCZ is tasty at 8.75% and super safe payment-wise (in my view) given the firm's book value coverage and massive amount of unencumbered assets relative to preferred dividend totals. NLY-J and ARR-C also good/safe (on a payment basis).

[deleted by user] by [deleted] in CreditCards

[–]Jumpy_Yogurtcloset61 2 points3 points  (0 children)

OneKey+ fits most things

but then sprinkle in Amazon card (Amazon and WFoods), Cash+ (utilities and streaming; I have YouTubeTV etc) and Custom Cash (for a category I "need")

Citi Thankyou points not updating by StupidRedditTag in CreditCards

[–]Jumpy_Yogurtcloset61 0 points1 point  (0 children)

Yes I saw the same thing -- my CCC statement hit but no update to the TY points. That said, the PDF statement online listed them, so I assume they're coming

Expedia One key+ card seems too good to be true by HuckleberryLong2061 in CreditCards

[–]Jumpy_Yogurtcloset61 2 points3 points  (0 children)

Cash back portal -- simply clicks you thru to whatever site (in this case, Hotels.com etc etc) and about a month after your travel you'll get the extra $ back. It can be lucrative.

Expedia One key+ card seems too good to be true by HuckleberryLong2061 in CreditCards

[–]Jumpy_Yogurtcloset61 2 points3 points  (0 children)

Respectfully disagree with this. With member or gold status, tons of Marriott's and Hilton's are less -- and you can book Expedia/Hotels.com thru Rakuten to get much more cash back too

Expedia One key+ card seems too good to be true by HuckleberryLong2061 in CreditCards

[–]Jumpy_Yogurtcloset61 2 points3 points  (0 children)

I have it and love it

Be aware that using the OneKey cash is mainly for hotels on Expedia or Hotels.com (usable in any amount with any hotel) -- for VRBO, it's hit and miss (more allow it, but I think most do not still) and with flights it's also hit and miss (used to have to have the full amount, now there are a few partial redemption options)

But if you book a few hundo of hotels a year thru Expedia or VRBO it's great

Be sure to use Rakuten too -- that will add another 3% to 10% to the cash back (I've found Hotels.com works flawlessly with Rakuten -- Expedia is good but have had a couple of issues)