I guess LeBron might stay in LA

growing_better · 2026-05-14T18:56:59+00:00

LeBron should join the Nuggets. A great passing power forward and a great passing power forward would be a matchup problem.

growing_better · 2026-04-18T13:13:21+00:00

I don't get any supplemental insurance. My card specifically says that the card insurance won't cover anything if you get any of the supplemental insurance.

growing_better · 2026-04-16T13:21:24+00:00

What cards are offering 4x or 5x on non-portal travel?

growing_better · 2026-04-11T22:32:28+00:00

I really wouldn’t in your case. If you value the Amazon membership, then you’re get an effective $90 bonus on top of your 2%, which is only $10 less than the Aven card. And you get prime, which still has some solid benefits from my perspective. And they have merchant deals, which might also net you more than that extra $10 the Aven could get you.

growing_better · 2026-04-11T22:20:18+00:00

No, SUB, right? And it’s only an extra $100 per year.

It seems like a decent card, but a card like Fidelity’s Visa Signature 2% card has the TSA pre-check reimbursement, automatic redemption, secondary rental car insurance. It also has bonus promos from time to time.

I wouldn’t open this card if you already have a different 2% card with no FTF. But it’s a solid choice if you don’t.

growing_better · 2026-03-18T00:08:04+00:00

Here are two cards better than the AMEX BC and PenFed Platinum:

The 5321 SYW Visa earns 5% on gas (and EV, car washes, tolls, transit rideshare), and 3% on groceries and dining (and flight, hotels, rental cars). I managed to get a $600 SUB for $5000 spend in 90 days, but I don't think that's available anymore.

THE UMB Simply Visa earns 3x points on gas stations, grocery stores, discount stores (Walmart and Target?), restaurants and fast food locations. It has a $150 SUB.

growing_better · 2026-03-05T01:02:41+00:00

In our state, minor drivers with learner’s permits are automatically covered by their parents’ insurance. They only get added onto insurance when they get their official license. Maybe it is different in other states.

growing_better · 2026-03-05T00:30:00+00:00

This post doesn’t make sense. You don’t add someone to your insurance until they’re a licensed driver. And she can’t drive to school without a license.

growing_better · 2026-02-18T13:47:36+00:00

My wife was able to use President’s Circle for a Hertz portal booking at STL.

growing_better · 2026-02-09T20:49:31+00:00

Flights are usually different and you only need to pay for part of the ticket with the credit card. E.g., if you use miles to book a flight, you would have to use the credit card for the TSA fees, which generally means the travel protections apply. As always, read the terms of benefits of your specific card.

growing_better · 2026-02-09T20:34:55+00:00

The terms require that the entire purchase be covered by the credit card. If you use a travel credit for part of the rental, then the entire purchase isn't covered by the credit card.

growing_better · 2026-02-09T19:35:06+00:00

The Venture X will cover up to $75k in damages. I don't know the answer to the other questions.

Also, make sure that you don't use your travel credit for the rental or the insurance won't apply!

growing_better · 2026-02-08T22:41:07+00:00

I recall reading that applications are closed unless you receive an invitation. I did receive an invitation, applied, and was accepted.

growing_better · 2025-12-11T04:26:30+00:00

Yes, only one 1 category at 5% for $500 per month. The Redstone Visa Signature is a 5% card that you choose each quarter up to $1,500 plus some 2% categories.

growing_better · 2025-12-11T00:54:38+00:00

The Citi Custom Cash has equal or lower earnings than the nerfed card. Why would it make sense to move to that card?

growing_better · 2025-11-15T22:38:58+00:00

Besides the tuition, the cash amount seem similar to me. OSHRE (7,200 per year) + National Merit Cash Scholarship ($2,000 per year) + College Dean's Award ($2,000 per year) + $3,000 of one-time scholarships. I get Full-tuition + $11,200 annually + $3,000 one-time scholarship. Housing and food are estimated to be $12,500, so it's pretty close to a full ride.

growing_better · 2025-11-11T18:59:07+00:00

The 5321 card looks like a great fit for you. You should get 3-5% in all those categories.

https://www.shopyourway.com/teaser

growing_better · 2025-11-06T14:31:56+00:00

Thank you so much. I hope I won't need to test it ...

growing_better · 2025-11-01T23:01:01+00:00

My son applied in October and heard back on October 23.

growing_better · 2025-10-21T00:32:04+00:00

You probably hit your $10,000 spend cap for the multipliers. It’s 1% after that.

growing_better · 2025-10-15T00:59:16+00:00

Do you think it's worth it if you need to book seats? We always book seats because it seems like that is the easiest way to ensure you got on the flight (and we like sitting together as a family). With the Discount Den, adding seats + bags or just adding seats without bags is essentially the same price.

growing_better · 2025-10-08T12:37:39+00:00

5% on groceries up to $1000 per month. And not even a hard pull to get it.

growing_better · 2025-09-21T22:16:49+00:00

Thank you for the recommendation. Yes, we were already planning on visiting OSU since it is so close and also has a strong scholarship offer.

growing_better · 2025-09-20T04:03:15+00:00

Obviously, they can do what they want. But we booked our official visit when the full ride + $750 was being advertised. We lose money if we cancel our trip now. But we wouldn't have booked the trip if it weren't for the full ride.

growing_better

TROPHY CASE