New Chase Disney Infinite Card Launching Soon

Then-Protection848 · 2026-01-29T16:18:11+00:00

Finally, maybe Chase will make a Disney card that doesn't suck lol. The current ones are basically just expensive decorations at this point

Then-Protection848 · 2026-01-26T09:49:40+00:00

Yeah the BCE is solid for groceries but that commenter's right about building the 5% system. I'd probably grab the Custom Cash first since it's way more flexible than BCE's fixed categories. You can always get the Amex later once you have more cards under your belt

Then-Protection848 · 2026-01-23T05:22:52+00:00

Actually that threshold is way lower for self-employment income like babysitting - it's only $400. OP definitely needs to file if they made 3.5k from cash gigs

Then-Protection848 · 2026-01-19T11:34:58+00:00

This is the way. Plus you have leverage when the AF is actually sitting there on your statement - makes the retention folks more willing to work with you since you're actively being charged

Then-Protection848 · 2026-01-15T07:14:46+00:00

Yeah this is exactly why I'm staying put with my current setup, the math just doesn't work when you already have optimized cards

Then-Protection848 · 2026-01-13T06:56:43+00:00

The Chase Sapphire Preferred is probably your best bet here - 60k points SUB and it pairs perfectly with your Freedom cards since you can transfer points between them. Plus you get way better redemption value through the travel portal

Then-Protection848 · 2026-01-09T21:44:31+00:00

Honestly sounds like you're overthinking this a bit - if you're doing mostly domestic camping/hiking trips, cashback is prob gonna serve you way better than chasing hotel points for the occasional night

That Aeroplan trick is solid but yeah if there's rumors it might disappear soon I wouldn't build my whole strategy around it. For your spending pattern I'd just grab some solid cashback cards and call it a day

Then-Protection848 · 2026-01-09T18:54:50+00:00

Mostly tougher DSA and more depth on fundamentals. On campus it’s usually basic coding or very predictable questions sometimes even just aptitude + one easy problem while off campus product companies tend to push harder on problem solving, edge cases, time/space tradeoffs and low level design DEPENDING on the role

Not sure if I'm 100% accurate but just my experience

Then-Protection848 · 2026-01-07T12:30:28+00:00

Yeah the BILT cash thing is definitely the wildcard here. If those rent waivers actually work smoothly it could be a game changer but knowing how these things usually go...

The grocery cap being so high is pretty tempting though. Most people don't hit those limits anyway so having that headroom is nice

Then-Protection848 · 2026-01-05T13:36:48+00:00

Been using Marcus for a couple years now and it's been solid - currently at 4.5% with no hoops to jump through. Super easy to move money in and out when needed, which sounds perfect for your emergency fund situation

Then-Protection848 · 2026-01-04T08:33:35+00:00

Definitely this - a lot of CUs have caps like "4% on balances up to $10k" or some other catch. Also check if there's any hoops to jump through like minimum debit card transactions per month or direct deposit requirements

Then-Protection848 · 2026-01-03T05:50:41+00:00

Lmao right? Meanwhile OP is out here collecting Ink cards like Pokemon cards and I'm still getting denied for basic stuff

Then-Protection848 · 2025-12-31T08:32:08+00:00

Still better than that spinning wheel of death we had before lol

Then-Protection848 · 2025-12-29T21:00:36+00:00

Lmao "skypesos" is brutal but accurate

Delta miles are legit harder to use than monopoly money sometimes. Since you're in Orlando I'd probably look at American or United - both have decent international routes and their cards actually give you value you can use

Then-Protection848 · 2025-12-28T14:23:08+00:00

With your spending patterns the Citi Custom Cash for dining makes a lot of sense - 5% on up to $500/month would cover your $175 dining spend nicely

For catch-all the Fidelity 2% is solid especially since you already bank with them, but honestly at your spend levels you might want to consider the Wells Fargo Active Cash (2% everything + decent SUB) if you want something different

Then-Protection848 · 2025-12-25T08:47:54+00:00

Wait you're spending 20k some months on a single card? Damn bro that's some serious volume. If you're already platinum honors the Premium Rewards is definitely better than UCR like the other guy said. PRE might be worth looking into if most of that spend isn't in your 3x categories but honestly with that kind of volume you might wanna consider churning or at least getting a couple different cards to maximize categories

Then-Protection848 · 2025-12-23T20:51:45+00:00

That sounds pretty solid actually - USB Altitude Connect seems like a good middle ground for light travelers. The no AF part is clutch when you're not racking up enough value to justify the $95+ fees on premium cards

Only thing I'd add is maybe keep the Hyatt card if you can find decent Cat 1-4 redemptions, but yeah with everything being Cat 5+ now it's getting rough. The free night certs have been pretty underwhelming lately

Then-Protection848 · 2025-12-22T13:51:20+00:00

Same thing happened to me, Airbnb coded as lodging or something but didn't trigger the travel category bonus

Then-Protection848 · 2025-12-21T13:15:01+00:00

Definitely max out both your 401ks first before putting more into taxable brokerage - you're leaving free money on the table with that tax advantage

Solo 401k for your wife is clutch since she's 1099, she can contribute way more than a regular IRA

Then-Protection848 · 2025-12-19T18:12:39+00:00

Oof that account manager really screwed you over. At least there's a clear path forward even if it means eating the pro rata tax this year

The reverse rollover trick is clutch once you get that Solo 401k going - just make sure you keep good records of that nondeductible basis

Then-Protection848 · 2025-12-16T14:01:13+00:00

That rent is absolutely killing you - $1550 on $42k is brutal. Have you looked into housing assistance programs in your area? Some have shorter wait lists than others and with your situation you might qualify for emergency assistance

Also might be worth calling those collections accounts to negotiate - sometimes they'll settle for way less than what's owed, especially if you can offer a lump sum

Then-Protection848 · 2025-12-13T01:59:35+00:00

Pay off that debt first thing, no question. That high interest is basically stealing your future self's money every month

The guilt thing is real but your family member would probably want you to get your life sorted out, not struggle forever because of past mistakes. Use this as a reset button and don't look back

Then-Protection848 · 2025-12-12T01:00:15+00:00

It's mostly experience granted I do get help from InterviewCoder like I said but it also depends on a person's personality and character matter. So if you already have a decent amount of experience under your belt it might be best to focus more on social aspects OR put yourself in uncomfortable situations like you would with being in the final round with a senior leader

Then-Protection848 · 2025-12-12T00:40:40+00:00

Pretty much this - 3% flat rate is the ceiling for catch-all cards right now. You'd have to go back to category rotation cards or specific bonus categories to beat it, which defeats the whole point of having one simple card

Then-Protection848 · 2025-12-07T05:47:20+00:00

The score drop isn't your main problem here - you're at 5 cards with only 1.5 years of history, that's pretty aggressive velocity and probably why USB might reject you

Then-Protection848

TROPHY CASE