Cardholders Chasing Cashback, Fighting Nerfs

“flexpay for the citicard is also very generous. there's an option to break up a payment into 3 months with no interest. really handy if you want to spread out a big ticket purchase and can't digest the cost in a month. been using it even on simple things like gas or groceries. that's 1, 2, and 3 months of no interest on a sum of money. which i happily invest and treat as float.”

“it's a $0 af with no ftf and great cashback, literally don't have much reasons to not like it. the only downsides are +1 on ur 5/24 and requiring a membership to stay opened”

“Change another card to primary, continue merging. Once you hit 4x $120 + 1x $10, just keep the cards in your email to redeem in the future.”

“Truly annoying policy. I dont use the card for anything aside from the biz subscription because of this, otherwise id use it for biz meals too”

“its my gas card unless chase has gas as a quarterly bonus. i only get gas at costco because normal gas stations tend to have sketchy people around. its not as big of a deal in less populated areas but defenitely a must in california”

“Hello, just wanted to share something I discovered about how the Altitude Go $2,000 quarterly cap works. I only use this card for dining purchases and normally get 4X on everything. My last statement I received only about about a quarter of the points I was expecting. It turns out the quarterly cap is not based on purchase dates within the calendar quarter. Instead it is based on the bonus points earned on each statement within the quarter. You earn 1 point per $1 spent on dining plus 3 bonus po”

“Just wanted to give you guys a data point since I've seen multiple discussions about it in posts. I downloaded the Dunkin' app today and was able to run 10 $10 gift card transactions through all 6 of my cards. Didn't have to contact support. Only ran into the "press and hold to prove you are human" later in the transactions (at one point they had me do it 4 times back to back). submitted by /u/Mattheepop5 [link] [comments]”

“You might be team cashback, but if you have the Autograph, it's worth noting can transfer your Wells Fargo points to travel partners so those cards might be giving you more than just 2x or 3x points back For example, Wells Fargo points transfer 1:2 for Choice and Wyndham so it may be worth at least checking your upcoming travel plans and see if there is some synergy there. while having a single 3% card is obviously a lot nicer from a simplicity standpoint, there is reason to believe that 3%”

“depends on the fee your landlord charges for card payments, if it's 3% that's $150 just to pay rent once, kinda eats into the bonus value could be worth it if the 75k points matter more to you than the fee though, some portals charge less timing the app right before all those travel and dining charges hit is smart, just make sure you can float the payments if things get tight”

“The Galaxy card looks mid am I missing something. I never heard of the galaxy card and just looked into it. I generally use the PayPal debit card for groceries and doesn't us bank have a credit card with a better percentage on mobile wallets if I remember correctly”

Template for Card Recommendation Requests: Please review the Template for Card Recommendation Requests , or the questionaire at creditcardtemplate.com to provide relevant information so that others can help you find the best…

“Now I'm using the PayPal debit card for 5% back on groceries. But yeah groceries on the freedom flex would be gas”

“I'm hoping groceries or PayPal but PayPal would be preferred because I already get 5% back on groceries with the PayPal debit card”

“I hope not too many people like this card. That way, the 3% back might last longer.”

“Here’s how I look at it. My wife and I spend enough on gas and Costco purchases each year that the rewards we earn through Citi effectively cover the cost of our Executive Membership. The Executive Membership then provides an additional 2% reward on most Costco purchases, on top of the 2% earned through the Citi card. In other words, the credit card rewards effectively pay for our Costco membership, while the Executive Membership gives us an additional 2% back. We also benefit from access to Cos”

You can choose utility for US bank cash+ for any quarter

Custom Cash Citi will give you 5% gas cash back and only use it for that.

“Another card recommendation use case for you. So I’ve got the amex blue I’m getting the 6% for groceries, but I had it for years before I realized that actually my benefits topped out after about four or five months bc we hit the spending bonus cap. So in my case I could use an alert, knowing when the Amex blue benefit is likely done, and a recommendation of a different grocery card for the second half of the year. The idea would apply to any cards limits. Congrats on your success. Hope it works”

“I know Visa was changed today. But I was just able to do multiple Mastercard transactions on dunkin gift cards sent to email. I would do 2 Mastercard followed by a Visa and was able to finish off all my cards that way. I hope this helps the 1 or 2 everyday has been a complete pain. submitted by /u/BZb9 [link] [comments]”

“Also no FTF and secondary rental card insurance. And other cards that give more than 2% at costco usually have some caps, which may or may not be a limiting factor”

“You said your monthly spending is $2k though? What are you spending $2k on monthly??”

“I get cheaper gas it seems consistently with Speedway and price lock plus their promos. Not to mention I get more with their program. Also this is aside from Kroger where I can easily get $1 off.”

Citi closed mine without warning

“I've also been checking if there's any discount offers on my Chase app for specific restaurants im going to. Chase offers cash back deals on a good number of restaurants near me”

“Is there anything like that today? submitted by /u/SuccessfulPath7 [link] [comments]”

“Just saw it on my discover app, the 5% back on utilities is absolutely amazing submitted by /u/Successful-Flan-5398 [link] [comments]”

“And still get the $10 back without issues submitted by /u/supmfker [link] [comments]”

yes, it is worth if so !

“? We were talking about the Shop Your Way 5321 Visa, which hasn't even been out for a year.”

“I think it's also worth noting that not everyone can get this card since you have to live in a state they operate in. Granted it's a lot at about half of the US states, but it's still a limitation that should be considered. The Truist Enjoy Cash is also in a pretty similar situation to the PNC Cash Rewards, although it has a worse max cashback rate and is available in less states.”

“Wholesale clubs are 3% rewards and never been 5% on AAA Daily Advantage with 3% on gas and 5% on groceries up to spend total $10,000/year. The Travel never had wholesale club rewards. I think it was reported nerf on both cards to get gas rewards at wholesale club and attached to supermarkets.”

“I like it because they combine the membership and card together. Also 4% Gas tackles the category fine for me since I don't have a Costco gas near me. I don't use it much though as I hate the auto redemption”

“The things that made this card amazing; great customer support, chargeback support, 0% interest on apple purchases are pretty much completely gone or nerfed now. Their support is terrible now and Apple Upgrade makes the payment plan moot.”

“The Costco card is 5% on Costco gas, 4% back on most other gas (some exclusions like Kroger gas), 3% back on dining and travel, 2% at Costco, 1% everything else all with no foreign transaction fee. Something to know is cash back is in the form of a certificate you get once a year at the end of your February statement for the prior year. You take the certificate into Costco and you can use towards purchases or you can simply get cold hard cash with no purchases just go to customer service desk it”

I did it on both with no problems

Are you referring to Capital One offer? Or Capital One Shopping offer?

“I mainly use mine for the 5% on Costco gas. I use it as restaurants and travel... Those aren't big categories. I don't use it in the warehouse because my Wells Fargo Active Cash gets the same 2% and I can redeem it more readily. If you'd not use it for gas and you have a different 2% Visa, you probably don't need the card.”

“Why do people have the Costco CC? Is it purely for gas? Is the discounted gas and 5% back worth driving out of the way for it? Aren’t there other Visa’s with better offers on 2% back at Costco? I ask bc I am looking for a gas CC. My local Costco doesn’t have gas, but I drive a lot and I am near ones that do (sporadically— 10-15 miles). The AAA Travel or Abound Visa has 5% back on any gas station, so why should I get the Costco? submitted by /u/cawala [link] [comments]”

“Results in easy discounts — courtesy of SUBs — amounting to thousands of dollars, as it aligns with big spend (auto insurance, holidays, taxes, etc.). submitted by /u/Competitive-Hat-6726 [link] [comments]”

thank you!

“As an added twist some Discover cards have transitioned to Cap 1 and some have not. It's the other way around, some Capital One cards have transitioned to the Discover network and others have not (yet). All Discover cards are now Capital One cards, regardless of whether you manage them in the Discover app or the Capital One app.”

“Since you already have dining, I can recommend Amex Blue Cash Everyday, as it offers 3% back on online retail, gas, and groceries, and 1% on everything else. I'm only saying this because I have it and don't really have a lot of experience with other entry level cards.”

“Technically the 10x bonus is for Chase Sapphire and Freedom cards only. Not the cobranded Chase cards.”

“No. I get 2.65 cash back, so if the fee is 2.5, I'll use my card, but if I'm not making money on it, no.”

“I would say it's worth it under two conditions: 1) You open an account where there's a sign-up bonus to get $ABC in points or cash back for $XYZ worth of spending, or... 2) You open an account with a long 0% APR intro period on purchases, and you keep your cash in a high-yield savings account or some equivalent to get more than the 3% fee in interest over the intro period. If you go with the 0% APR intro period, you'll still have to pay the minimum balance to jeep the account in good”

“During setup you get a screen titled "Next time, do it automatically" with a button that says "Turn on auto-redemption." Say no. If you already tapped it, keep reading. The card doesn't pay 3% cash back. It pays 3 points per dollar, and a point is worth 1 cent only if you redeem to cash in your Robinhood brokerage account. Statement credit pays 0.7 cents per point, or $0.007. Three points at 0.7 cents is 2.1%. Statement credit is the only option auto-redeem uses. So that”

“Pretty much the only time when this is a good option is if you have to hit a sign up bonus and you cannot do so with your regular spending, given the bonus is large enough.”

“Title says it all! I’m on my 5th Dunkin GC, but I don’t know how to reload it. If there’s a max of 5 GCs and I can’t buy a new card and merge, how do I reload the 5th GC to the max $125 limit? submitted by /u/AccountantMobile845 [link] [comments]”

“I think one of the other negatives with the CSP credit - it is only for groceries or non-food stores.”

“Yes I messed up. It's so hard to understand how I got what form where! GH or DD or Instacart. I'm still getting used to what benefits I get with what card. I have actually created a SS. So, I agree - if you use the service (which overall I usually don't use these delivery services) then $10 is $10. In the case of delivery services - there's no way to get away from service charges and tips. Effectively eating away at any credit. Now if the credit was $15 or $20 then it would be be”

Looks like they are no longer accepting applications for this card :(

“IIRC, it was because I was having a hard time finding proper sourcing for all the various card rewards programs and tiers. Maybe there is a good source now, not sure. I'll see if I can find my project files and take a look to refresh my memory.”

“NOOOO lol. There is a lot more to it. But I like the theory. we actually built this because i didnt want to play the credit card game. so i opted into my 2% cash back active cash card. I knew i was passing up 5% , 6%, even 7% on cards.... thats when i said, theres got to be 1 card that stored them all... we started at a physical card, quickly pivoted after realizing this was not the first concept and we went mobile pre transaction. let me know if it helps you - free on app store and google play”

“So, I got into the CC points/miles game recently. Every card has some sort of credit towards a service. In my case - Chase Sapphire DoorDash $10 credit. Can anyone tell me how they use it and whether they deem it a benefit? So yes, it's $10 off so it is a benefit? But I think a true benefit would almost zero out and be a net positive. So, I used my $10 credit last month - but I still paid out of pocket (I think in the tune of $15ish on a $25 spend). This month I wanted to ZERO out the delive”

“Hello, I’m a college student. And I first opened my chase freedom unlimited card few years back. For me, I don’t really care about travel points and etc just straight up cash back. Mainly for eating out and gas and regular item purchases. I only ever had two credit cards and I still have these two. Amazon Visa Chase freedom unlimited. Credit limit for both are $10k. Not sure if this is a great thing or not. I use Amazon Visa for Gas and amazon shopping, All others, I use freedom unlimited. I’ve”

“I just got the NFCU flagship in an attempt to front run the changes. In a year it will be clear how NFCU is handling this change or is it possibly just an entirely new product? Absolute worst case I'll be out $49 with no offsetting Amazon prime. The AF was already charged so they can't up it until 2027. If they nuke the prime benefit 'll be calling in to complain about bait and switch.”

“I have a home repair project coming up that I’ll have to spend ~$10K now and the same at completion. • ⁠Current cards: (list cards, limits, opening date) ⁠• ⁠Discover Cash Back Card, $10,000 limit, Aug 2003 ⁠ ⁠• ⁠BofA Atmos Ascent, $20,000 limit, Mar 2020 ⁠• ⁠Apple Card, $3200 limit, Oct 2021 ⁠• ⁠Chase SW Priority, $18,000 limit, June 2024 Closed June 2026 ⁠• ⁠Chase Marriott Boundless, $12,500 limit, June 2025 ⁠• ⁠Chase UA Explorer, $5000 limit, July 2025 ⁠• ⁠Chase Ink Biz Cash, $1100 limit, Sep”

Interested in cashback cards? Take a look at these resources from the sidebar: List of Flat 2%+ Cashback Cards List of Best Cashback Cards by Category I can be summoned to comment…

“On all my cards over a decade I pay them off so there's no balance before I spend a shit ton the following month and do it all again. Never had an issue”