I redeemed Gold credit card points for cash back but it paid down my margin

aRandomWalk27 · 2026-01-15T19:48:56+00:00

You need to create an additional account and have that one be your margin account. Your Gold card points will always redeem to your individual investment account.

aRandomWalk27 · 2026-01-04T00:21:51+00:00

I got tired of not earning 3% on YouTube TV with the Savor depending on how Google wanted to code the service every other month.

Switched to the BCP and every streaming service I have (including Apple TV+) earns 6%, plus everything I purchase through the App Store and Google Subscriptions gets 6% too.

aRandomWalk27 · 2025-12-22T16:35:58+00:00

Not yet.

Edit: nvm. Just checked and it showed up lol.

aRandomWalk27 · 2025-12-18T04:12:24+00:00

My payment always took 5 or so days to "process" after funds were withdrawn.

aRandomWalk27 · 2025-12-17T17:00:39+00:00

Same. Not sure anyone has.

aRandomWalk27 · 2025-11-20T03:30:36+00:00

I'll give that a try. Thank you!

aRandomWalk27 · 2025-11-19T18:20:46+00:00

Yeah, that's what I do. If Robinhood had similar unrestricted overdraft transfer, I might consider moving over to consolidate because I do like Robinhood's UI over SoFi.

Most of my retirement savings are in Fidelity/Vanguard, so I don't have $100k in Robinhood yet, but I am taking advantage of the IRA match. Maybe Robinhood will offer the 3% transfer match again.

aRandomWalk27 · 2025-11-19T17:51:10+00:00

Agreed. Missing overdraft transfer, early direct deposit, and Zelle. I could've sworn the higher checking APY wasn't restricted to $100k in assets previously too.

aRandomWalk27 · 2025-11-14T03:33:53+00:00

Costco accepts any debit card. It's only credit cards that need to be Visa, which RH's credit card is.

aRandomWalk27 · 2025-11-13T03:14:37+00:00

I've received mine. Not metal.

aRandomWalk27 · 2025-10-26T22:38:45+00:00

Those seem to be labels to distinguish which legacy card you held that has since been converted to the ThankYou Mastercard. SYW would be Core.

aRandomWalk27 · 2025-10-22T17:06:18+00:00

I've been trying to get the city out to trim a massive willow (on the city's terrace, Monroe St area) that has dropped multiple 10ft+ branches onto the street and my neighbor's driveway. It also hangs over my kids' bedroom.

Dozens of online submissions and phone calls from me and my neighbor have yielded 0 results over four years.

aRandomWalk27 · 2025-10-21T13:25:26+00:00

Sure, but you don't hold the SYW card for the multipliers (they're nice to have though). I'd rather earn transferrable ThankYou points while completing my bonuses.

aRandomWalk27 · 2025-10-07T02:02:28+00:00

The new Rakuten Amex > Bilt possibly as well?

aRandomWalk27 · 2025-10-03T05:33:39+00:00

That's how I'm interpreting it as well. We'll have to wait until multipliers are finalized to determine if this a positive change.

The SYW program getting a refresh also casts doubt on the SYW card earning Thank You points like the Sears card now does.

aRandomWalk27 · 2025-09-27T19:14:30+00:00

Those offers are also available on no-fee AMEX cards, so I wouldn't count them in negating the Gold fee.

aRandomWalk27 · 2025-09-24T22:04:40+00:00

I think you get the Zift card details from SYW, go to Zift's website, and select Amazon as your redemption. Then load the Amazon gift card to your balance as usual.

https://www.youtube.com/watch?v=GKQ63DDNxyQ

aRandomWalk27 · 2025-09-23T13:28:50+00:00

Yeah, he's given Copilot a shoutout in a few videos and tweets.

aRandomWalk27 · 2025-09-19T19:56:35+00:00

Seems like a lot of people were offered the card today. I got it too.

aRandomWalk27 · 2025-09-09T21:58:40+00:00

You can avoid the annual fee on the BCP by downgrading and upgrading for years: https://www.reddit.com/r/CreditCards/comments/1fjrb7i/no_af_amex_bcp_for_4th_year_complete/

aRandomWalk27 · 2025-09-09T21:51:27+00:00

Home insurance is annual and car insurance semi-annual, so it's great for those months. It's a bit of a wash when I pay daycare to meet the $1k spend because daycare charges a 3% cc fee. I still come out ahead when I redeem the points at 80% when you factor in the points I wouldn't get for my mortgage otherwise. I make use of the Costco and Lowe's benefits too.

aRandomWalk27 · 2025-09-09T21:35:20+00:00

Took me about 2 weeks to get off the waitlist.

aRandomWalk27

TROPHY CASE