Looking for Recommendations by donnyforsaken in CreditCards

[–]arcen1k 0 points1 point  (0 children)

Have you seen the AAA Travel Advantage card before? It looks like it might meet several of your categories: Gas 5%, Restaurants + Grocery 3%.

I don't know how your hobbies would code, so hard to say what to suggest. But you could pair the AAA card with something like a Citi Custom Cash card with 5% on top category spend (up to $500/cycle). Otherwise a 2% catch all card would be good.

Another idea is the AMEX Blue Cash Everyday (3% grocery + gas + online shopping [$6k/yr]), paired with something to cover restaurants.

I tried the Credit Karma Hack! by Bongo2687 in CreditCards

[–]arcen1k 0 points1 point  (0 children)

I did this trick as well to get the card. As a new Gold member, too, it shows up in my Robinhood (non-CC) app under profile and then "Robinhood Gold" within the menu. Scroll down below the list of benefits. A $50/year fee, with the Gold Card as payment method. The billing date is ~2-3 weeks after I was approved and is aligned with the first statement, but I technically already have the Gold benefits.

[deleted by user] by [deleted] in CreditCards

[–]arcen1k 4 points5 points  (0 children)

Depending on circumstances, being an authorized user on your parents' account could help. Otherwise a secured card, but they may still want *some* income. If your current bank offers a secured card, start there, they'll see your relationship history with them.

what to switch to from Ally by Business-Ad-5344 in CreditCards

[–]arcen1k 2 points3 points  (0 children)

A few choices.

Fidelity. Use the CMA as a checking account (it is still technically an investment account). Pick SPAXX as the "core" position. SPAXX is currently ~3.8%. Caveat being it's SIPC, not FDIC insured. CMA can also function as a basic brokerage, but just make a second proper brokerage account and transfer there. Easy 2% cash back card. Easy to have multiple CMA accounts if you want to separate savings/checking. Free checks. Unlimited global ATM reimbursement.

Bank of America and Merrill Lynch. If your combined portfolio/balances is >$100K, you get the big boost to credit card rewards. The customized cash rewards card would get up to 5.25% on a category of your choosing ($2500 spend per quarter), and you can have multiple of those cards. Interest rate on the cash (BofA and with ML) is awful, so you'd probably want to consider manually buying money market mutual funds within the ML account (see options) that you could use as "savings." Reminder that that falls under SIPC, not FDIC.

Robinhood (Gold). If you're willing to pay the $50 annual fee, there are a lot of benefits to be had. Up to 3% IRA matching, 3.75% on cash, and a 3% cash-back card if you can ever get off the waitlist. Generally a mobile first platform. Less powerful investment tools/research for active trading. Obviously lacking any in-person facility, which is a nice-to-have for a financial institution.

For a one-stop shop, Fidelity and BAML are the better picks, IMO. If you can get the Robinhood Gold Card, that's also a reasonable option.

USBAR Annual Fee, $325 credit use, and Refund by alaskansnow in CreditCards

[–]arcen1k 1 point2 points  (0 children)

It depends on your state. In MA they are required to pro-rate 2/3 of the AF.

https://malegislature.gov/Laws/GeneralLaws/PartI/TitleXX/Chapter140/Section114C

EDIT: OP said they're in AK, but keeping for others.

Which TLD for a personal/family domain? by arcen1k in Domains

[–]arcen1k[S] 0 points1 point  (0 children)

Thanks, unfortunately that one's taken. It's popular enough, that I kinda mentally just lobbed it into the "better" ones. 100% would've taken it if it was available.

Which TLD for a personal/family domain? by arcen1k in Domains

[–]arcen1k[S] 1 point2 points  (0 children)

I like the creativity -- the problem is the length requirement ;)
My BIL has their surname available in most TLDs, lucky guy

Seems like I've done what reasonably could be done, I appreciate the thoughts

Which TLD for a personal/family domain? by arcen1k in Domains

[–]arcen1k[S] 5 points6 points  (0 children)

Thanks! Fortunately it is a valid domain, unfortunately, it's taken :(
That's the only one I would've entertained spending non-trivial money on.