Poll of the Day > Got my fourth new credit card this year

(+) Yeah! (+)

World of hyatt

i kinda had this one planned for a bit, I shouldve looked better for a new card but the Hyatt Ill probably actually keep for the free room instead of canceling like usual

Theres a Marriott card with like a $450 annual fee but the bonus is like $1500 I think the spend is only like $5000 but also getting my current card shouldnt affect getting the next ones because this is chase and I believe thats Amex

Okay

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Any card suggestions?
I am slightly on the lookout for a 2%+ cashback card or one with at least 1.5% with bonuses.
I've had my current one for a couple years and it's been my first. I have 1.5% cash back with rare bonus offers. They gave me $150 in reward points that I keep balanced that way anyways since they mention points last like 5 years.

Anyways, before that card, I'd see 2% cashback from PayPal but couldn't get it due to no history which shouldn't be a problem now. I don't see that offer that much anymore.

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pedro45 posted...

Any card suggestions?

Depends on what you're looking for. https://kevlarlover.s3.us-east-2.amazonaws.com/Card+Recommendation+Flowchart+v15.html

Hmm, general cashback is difficult. People usually get a few different cards for this to make sure they always get 3-5% back, like the Amex BCE, Discover it, and Chase freedom. It depends on how much you spend, but I'd look more for sign up bonus cards. Like you should be able to get a rewards bonus of ~$500 pretty easily on a 1% card once ore more a year and to make up the difference between 1% and 2% for percentage cashback will take like an annual $50,000 of spending on your card.

I know fidelity has a 2% credit card...if you're looking for cashback and don't mind using debit over credit (which is another conversation), you might look into a kasasa high yield checking account. The APR is commonly 2-3% and many of them offer something like 2.5% cashback on purchases up to a few hundred monthly (depends on how much you usually spend).

Anyways,

The Southwest Companion Pass is amazing, I basically got BOGO flights for two years (early 2020 - end of 2021), but it's rather difficult to get right now because Chase isn't approving business cards. Something to maybe plan for so you get it 2022-2023 if chase starts approving again.

Baclays AA Business is great for some free american airlines flights, low spend high reward to get the sign up bonus. If you've applied for less than 5 cards in the last 24 months this is the best for cash back bonus, if you're more than 5/24 go for the capital one venture.

Do they still do the cards with different face prints. It used to be all over the place like different theme phone cases but I don't really see them much anymore.

Thanks for keeping us up to date with every financial decision youve ever made

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dedbus posted...

Do they still do the cards with different face prints. It used to be all over the place like different theme phone cases but I don't really see them much anymore.

Depends on the bank. My bank offers like 3 varieties: colorful, plain and a local athlete. I've seen people have like 12+ choices. I only get jealous when you can completely customize it

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