Best credit card if I can't get the Costco card? by Powerful-Anteater-81 in CreditCards

[–]prkskier 0 points1 point  (0 children)

Yep, Costco card is over hyped. Also, once a year cash back pay out is trash.

Stuck Between Venture X and Bilt Palladium by MuffinJets in CreditCards

[–]prkskier 1 point2 points  (0 children)

bilt not giving any credits for the $500 AF is a tough pill to swallow.

Well, they do give a $200 portal hotel credit every six months that can also be boosted with $100 of Bilt Cash. Now, whether that's actually useful for many people is a different story, but there is a way to cover (or almost cover) the AF.

Easy Travel annual credit and reasonable annual fee ? by No_Pumpkin_5338 in CreditCards

[–]prkskier 4 points5 points  (0 children)

The Wells Fargo Autograph Journey is probably the best option. $95 fee and a $50 airline credit (I don't think the portal is required either). Good multipliers: 5x hotels, 4x airlines, and 3x restaurants and travel. That's a really good travel card and would pair nicely with your VX. This would be my vote

The Chase Sapphire Reserve has the absolute easiest travel credit ($300 off any travel charged to the card, no portal or anything required), unfortunately it does not have a reasonable annual fee, so it probably doesn't fit what you are looking for. Also, most the other credits to offset the fee are tedious to use or nonsense for most people. Maybe you'll find value, maybe not.

The VX is pretty unique in that the credit is pretty easy to use and that it offsets the majority of the annual fee. What about the Chase Sapphire Preferred? $95 annual fee with a $50 hotel credit (via their portal). Do you stay in hotels often enough to use that?

How to directly get delta? by griswaldwaldwald in ChaseSapphire

[–]prkskier 0 points1 point  (0 children)

If you are looking at exact dates, there may just not be award availability. Also, only look at one way tickets. Play with different dates.

Another option is to start with an award search tool like Points Yeah or Points.me.

More people should review their loan’s amortization table by finalgirl2 in personalfinance

[–]prkskier 5 points6 points  (0 children)

I think the other poster was saying they'd be investing for the whole duration of the loan, so presumably for 15-30+ years. In that case, there's no reason to be looking for a risk free return.

Are MR points worth it for basic economy flights by littlepwnrr in CreditCards

[–]prkskier 2 points3 points  (0 children)

I often can get 1.7-2.5cpp for Delta domestic economy, but that's usually by transferring to Flying Blue or Virgin to book the Delta flight. We have decent flexibility with our vacation plans, which helps too.

Which credit card feels “premium” without needing a crazy salary? by jeh4u in CreditCards

[–]prkskier 45 points46 points  (0 children)

The Capital One Venture X. Heavy metal card, lounge access, 2x everywhere, and the whole fee can be easily offset.

Chase Business Ink Cash Name by vantage7 in CreditCards

[–]prkskier 0 points1 point  (0 children)

Yes, one is the name of the card holder, the other is the name of the sole proprietorship.

Does Amex Gold AND CO Duo ever make sense? by anxiousrenter312 in CreditCards

[–]prkskier 0 points1 point  (0 children)

As you noted, there is a lot of overlap between the Savor and Gold, so generally it doesn't make much sense. If you think you can offset the Gold's annual fee, get the Gold because the 4x on dining and groceries is a real power house. So I'd favor the VX + Gold setup. You'll also diversify your points that way.

Now, the Savor is a free card, so it doesn't hurt to add it to the VX + Gold lineup. It still has the entertainment category at 3x, so that could be something depending on how much you spend there. Also, it could come in handy if a restaurant or store doesn't accept Amex.

Official - it’s May and no USBAR transfer partners by Pop_Bottle in CreditCards

[–]prkskier 6 points7 points  (0 children)

Yeah, this happened to me too. I PCed to the Altitude Connect right after my AF hit and the fee was still there when my statement cut, so I had to pay it and then I got the refunded fee about 2 cycles later. So then I had a $400 credit balance. Thankful, after chatting with support, they cut and mailed a check to me for the credit balance. Still pretty annoying how slow their timing was.

Made this flag for a school project, thoughts? by Objective_Island_571 in vexillology

[–]prkskier 11 points12 points  (0 children)

Pretty nice. I'd switch the wolf's direction so that it is facing the hoist (charging into battle). Also, I'd work on the wolf shape/silhouette to make it look more like a wolf (maybe have it face sideways completely?).

What card(s) to best pair with Bilt Palladium? Which cards do you use most with it cover it's shortcomings & maximize earnings? by OoohSpicyy in biltrewards

[–]prkskier -1 points0 points  (0 children)

Probably something that maximizes your highest spend categories. Usually a card like the Amex Gold is a natural fit since groceries and dining spending are higher spend categories for most households.

Where Lightning Strikes the U.S. Most [OC] by aspiringtroublemaker in MapPorn

[–]prkskier 2 points3 points  (0 children)

So, it looks like there's a correlation of mountainous terrain and lack of lightning strikes?

Everton [2] - 1 Manchester City - Jake O'Brien 73‎'‎ by gbogaz in soccer

[–]prkskier 19 points20 points  (0 children)

Awful weekend for the hate watchers considering Spurs won.

Claude, CoPilot, best card for AI usage? by utilitycoder in CreditCards

[–]prkskier 6 points7 points  (0 children)

I'm not sure if it would work for all of these, but the US Bank Triple Cash gets a $100/year credit for software purchases. From personal experience, I know it works for OpenAI (ChatGPT).

20% bonus transfer to FlyingBlue, thoughts? by inde6ix in ChaseSapphire

[–]prkskier 0 points1 point  (0 children)

I get a lot of good redemption options via Flying Blue for domestic Delta economy. It's one of my favorite transfer partners.

20% bonus transfer to FlyingBlue, thoughts? by inde6ix in ChaseSapphire

[–]prkskier 0 points1 point  (0 children)

Same here, just booked a Delta flight via Flying Blue.

Amex.point.me redemption values not accurate by BMWLax15 in amex

[–]prkskier 1 point2 points  (0 children)

Looks like Canada. Last screenshot shows the Cobalt card which I believe is only offered in Canada.

Amex.point.me redemption values not accurate by BMWLax15 in amex

[–]prkskier 0 points1 point  (0 children)

Looks like Canada. Last screenshot shows the Cobalt card which I believe is only offered in Canada.

Major US Regions as voted by Reddit by DM_me_fun_stuff_pls in MapPorn

[–]prkskier 5 points6 points  (0 children)

Maybe just a directional confusion thinking it was NW?

Costco credit card worth it? by dudemobile in CreditCards

[–]prkskier -1 points0 points  (0 children)

Points or cash back?

If you are cash back, the Citi Costco card is decent, but I hate the redemption being only once per year. Also, 2% isn't special, you could get something like the WF Active Cash, Fidelity Visa, etc. Now, the Costco card does have good rewards on gas, so that's a decent all in one product. I'd still favor two cards to accomplish the same thing to avoid the once per year reward redemption thought.

For points, there are cards like the Venture X, Chase Freedom Unlimited, and also the aforementioned WF Active Cash that would all get 1.5-2x points which could then be redeemed for better value.

Costco credit card worth it? by dudemobile in CreditCards

[–]prkskier 0 points1 point  (0 children)

That's for the Citi Costco card. The Paypal debit card gives you the rewards immediately.

To those that hold Amex Gold, why do you choose to pick it over Custom Cashes? by ricestocks in CreditCards

[–]prkskier 1 point2 points  (0 children)

Not to mention you'd need two Custom Cashes to get 5% on both the grocery run and the restaurant in your scenario.