r/CreditCards

Looks like there’s a new 3% beast out there. I applied for an invite and got it today. Approved for $100k after a day in review.

If you have $250k-1m in business or personal deposits, the rate increases to unlimited 4-5%.

We’ll see how this goes, but seems like a RH Gold with no AF.

I’m newer to this hobby and I have 9 cards rn closed 2, 1 was intentional. At what point is cashback better than points?? I am comfortable flying economy and it’s been difficult finding economy flights at values worth more than 2-3 cpp. I can easily get 10-20% cashback buying gift cards for “some” places I eat out at. Not all. I guess I’m looking at it more of each spend I have is a ROI. If I don’t organically have to spend I won’t unless I can get an insane deal on cap1 offers or moneymakers or something like on Rakuten or cap1 shopping. At what point is miles actually better? I see signup bonuses at 10-25% roi similar to buying some gift cards so I see the benefit in that but anything under 5x doesn’t add up much unless I’m spending a ton of money. Can someone tell me if I’m thinking about this wrong?? I’m 23 and most my money I save is going straight to brokerage and Roth IRA

As the title says, I applied for a credit card earlier today with Wells Fargo and I changed my mind. Unfortunately the application went through so I had to call and cancelled it right away.

I wanted to apply for another card, the costco citi card and tried that a few hours later and I got denied.

Any reason why? Is there a waiting period? Did I screw up?

I don't have 250K but i saw a post that upgrading to a premier checking account from everyday. Credit card offers appear in the app.

Any DP's please

Thank you

So right now it's already been 6 months from my last credit card, and I wanna apply a new card.

CapitalOne cards, gave me an increase of $100 only. My total limit with credit cards is just $1200 literally, so I need a card that gives me the highest limits and I care about nothing else. Also, no cards from Chase.

Income of 80k yearly, 750 credit score, and I always have to use debit for an expense to not hurt my card utilization.

Any advice is helpful. Thanks!

Edit: thank you everyone!

Okay so I got this card is February, first credit card ever. I pay on time, I actually pay before the due date but I've since learned that actually bad and I should practice AZEO.

But anyways let's just say I've gone over my 30% credit ultilization and I can't get it down until after my statement is generated. How fast does your credit score bounce back from that?

(I don't have a credit score yet but I'd like it to be pristine. Also TransUnion does show a a vantage score I think it's called).

So, I very recently got my first Secured Credit Card. My monthly credit limit is $500. I have made a very strict limit of only using $150 of the available credit (if I need to). I've mainly used it on food this month (as I get a small cash back reward on dining) and other very small purchases. This has been my first month using it, and currently the balance is sitting at $146.66. Now, I am usually a very paranoid person when it comes to payments, so I like to pay things off when I have the funds available. But I am trying to build my credit as I have absolutely zero, and I hear different things all the time on how to pay of credit cards.

My minimum payments are due every 19th of the month and it looks like my statements are posted every 24 of the month. So, I guess my question (or questions) are these:

1. When is the actual payment due?

2. When would be a good time to pay the balance: The day the Statement is posted or on the Due Date of the minimum payment?

3. If I were to pay, say, $75 of the $146.66 balance right now, would that affect anything? Would it be better just to wait until the statement is posted?

I apologize if these questions are redundant or common sense. I come from a family that has little to no financial literacy and I don't want to fall into the same mistakes or debt that they did. I want to be able to learn so that I can teach my future kids.

I don't see this month's chase sapphire reserve $10 non-restaurant doordash credits on doordash. I only see the $15 credit. Is this happening for anyone else?

Hi folks, I'm looking for a second credit card since my current one offers more or less no benefits. Baby's first credit card is looking pretty sad these days.

• Current cards: Petal 1, $900, August 2022
• FICO Score: 815 (Experian)
• Oldest account age: 4 years, one month
• Chase 5/24 status: 0/24
• Income: ~$13000/y
• Average monthly spend and categories:
  • dining: $40
  • groceries: $300
  • gas: $0 (I don't drive)
  • travel: $30
  • rent: $575 (but my landlord only takes check so it doesn't super apply)
  • other: $218
• Open to Business Cards: Yes
• What's the purpose of your next card? Cashback, but I'm also interested in working up to a much larger credit limit (something in the 10k range, preferably) in case of emergencies.
• Do you have any cards you've been looking at? AAA Daily Advantage, but I do some of my grocery shopping at Walmart so the nerf doesn't work for me.
• Are you OK with category spending or do you want a general spending card? I'm open to either one but I'd prefer to get cashback on groceries if at all possible since that's my biggest spend.

A couple other bits of useful information: I shop most often at Walmart, Hannaford, TJ Maxx/Marshalls, drugstores, and local restaurants. I'm open to getting two new cards if that'll benefit me the most. Also, I'm disabled (on SSI) so I primarily shop online and have things delivered.

Thoughts? I bow to those wiser than me in the ways of credit c:

I already have the original Flagship card from Navy Federal*, but I'm looking for a rewards card with no annual fee. Between the two, which one is better? This is going to be my second credit card, and I'm not sure which one to select. I'm going to travel in a month, so having a 15-month 0% APR (Chase freedom) period sounds great, but I would like to choose the best option for the long term. I had heard too that having cards with different banks its better so thats other reason why im thinking which one to select.*

As the title implies, I signed up for the Amazon Prime CC today as I am purchasing a new iPad and I wanted to take advantage of the $150 gift card SUB. However, I went to make the order, and about 30-60 mins later it said the payment was declined. I retried and, again, payment was declined. Is this just a case of me trying to use it too soon?

Side note: I was approved for the card, I see it in both my Chase app and on Amazon. My credit limit is far above the dollar amount of my purchase, so that shouldn't be a factor either.

Deciding if I should make the transition to a Bilt Palladium from my Venture X.

Current cards:

Chase Sapphire Preferred
Chase Freedom Flex
Capital 1 Venture X
Discover It

Average Annual Spend
⁠• ⁠dining $8500
⁠• ⁠groceries: $1500
⁠• ⁠gas: $1200
⁠• ⁠travel: $8000
⁠• ⁠other: $15000
⁠• ⁠rent: 22000

So I’ve had the Venture X for a little while, but I’ve been debating the Palladium

Pros: 10x through portal + price match. I have a big hotel purchase next summer that would net me a lot of points.

Cons: Lounge Access limited (normally travel with partner), and lack of domestic travel partners. It is a little annoying to look for award availability through alliances.

The hotel purchase over the Summer is also a Marriott, so I considered the Boundless for a SUB play, or getting an airline card (United, Southwest, American) to give me some domestic traveling perks.

I’d also consider keeping both but that’s a lot of annual fee to juggle.

Thanks for the help!

I have a AAA Daily Advantage & use it to MS as well as organic spend buying groceries. All purchases at grocery stores earned 5%. Up until last month I think. I went to redeem my rewards like I do monthly and noticed that my MS purchases at grocery stores only earned 1%. More interesting is a few of the transactions that has both types of spend had the total broken down into different point earning tiers: 5% for my groceries & 1% for my MS. It looks like Comenity has started getting L3 data. Also I noticed on my statement where they’re talking about rewards they say something as if each transaction had a merchant code, which I didn’t know existed. Do transactions have codes other than what type of store it is? I wasn’t even MS’ing high volume. Should I call & try to get my missing rewards or just accept it? Had anyone else noticed this?

CREDIT PROFILE

• Current credit cards you are the primary account holder of:
  • Bank of America Customized Cash Rewards Visa Signature, $5,200 limit, 11/2023
• FICO scores with source: Experian FICO Score 8: 770 (BofA My Credit, as of 09/10/2026)
• Oldest credit card account age: About 3 years
• Cards approved in the past 6 months: 0
• Cards approved in the past 12 months: 0
• Cards approved in the past 24 months: 0
• Annual income $: Approximately $25,000–$30,000 from variable work and stipends. I also receive about $3,000–$4,000 per year in irregular family gifts. I do not have a full-time post-graduation salary yet.

CATEGORIES

• Ok with category-specific cards?: Yes
• Ok with rotating category cards?: No
• Estimate average monthly spend in the categories below.
  • Dining $: 491, including a lot of DoorDash and takeout
  • Groceries $: 38
  • Gas $: 0. I don't buy gas; BofA classifies some small 7-Eleven purchases as fuel.
  • Travel $: About $336/month averaged over the last 12 months: about $105 flights, $9 hotels, $79 other charges recorded as travel, and $143 public transit, trains, and rideshare. It's irregular, and the transit/rideshare figure includes local transportation.
  • Using abroad?: No, I only use my credit card in the U.S.
  • Other categories or stores: Shopping and entertainment averages about $276/month, including Amazon/online shopping, electronics, clothing, and hobbies, but it varies. I also have recurring digital charges like ChatGPT, Spotify, iCloud, and LinkedIn.
  • Other spend: About $184/month, mainly home/utilities ($52), health/medical ($36), miscellaneous ($77), personal/family care ($9), and education/fees (about $5), including the small purchases BofA categorizes as fuel.
  • Pay rent by card? No

MEMBERSHIPS & SUBSCRIPTIONS

• Amazon Prime member: Yes
• Big bank customer: Bank of America

PURPOSE

• Purpose of next card: Cashback
• Cards being considered: I'm very new to credit-card rewards and don't know if I need another card. I pay my statement balance in full and don't carry debt. My BofA card is currently set to online shopping, and I can change its choice category monthly. From my initial online research and using ChatGPT to learn the basics, I'm considering the Capital One Savor for dining while keeping BofA on online shopping, the Wells Fargo Autograph for transit and travel, and the Amex Gold if I'd use enough of its benefits to justify the annual fee. I prefer cash back, but I'm open to a fee if the benefits I'd actually use outweigh it. Travel is irregular. Would any of these meaningfully complement my current card, or should I just optimize the BofA category I already have?

Honestly, I'm a beginner and don't really know what I'm doing with credit cards. I got this card because I was told building credit was a good idea, and since then I've just used it for everyday purchases in the U.S. and paid it off. I'm not sure whether another card would actually help or whether I should use my current one differently. I'd like straightforward advice on how to improve my setup and earn more cash back without making it complicated. I'd consider a card with an annual fee if I'd genuinely use the benefits, but I'm unsure whether travel rewards make sense for me since my travel is irregular.

I have the Venture X, i accumulated around 160,000 points and went on a trip to Japan for free basically. I got the 100,000 introductory bonus and i accumulated the other 60,000 points.

Anyways, i want to get another card that will give me a great introduction bonus, so i can start racking up some points for the next big trip. What card do you guys think?

Venture X is the only travel card I have, so any card will be a good recommendation. Ideally i wouldn’t want to have such a high yearly fee. So please recommend me the best card with a low fee and the best card with an okay fee that makes sense with the perks you get.

Thank you all in advance.

I’m expecting a vet bill of around $5,000 and I’m looking for the best credit card option to help finance it.

I have good credit, but I likely won’t be able to pay the full balance off within 12 months. I’m mainly looking for a card with a long 0% intro APR period, low fees, or anything else that would make sense for a large one-time veterinary expense.

I’ve looked at CareCredit, but I’m also wondering if a regular credit card with a 0% intro APR would be a better option.

Any recommendations for cards with 15–21+ months of 0% APR, especially ones that are realistic to get with a high enough credit limit for a ~$5,000 charge?

Also interested in hearing what you’d avoid.

My WF Autograph Journey hits its 1-year anniversary next month and I'm planning to cancel it but don't want the SUB to be taken back. Does anyone know if I wait for the annual fee to post and then cancel, will I get a refund of the annual fee like with Chase cards? Or is there a better way to do it?

CREDIT PROFILE

* Current credit cards you are the primary account holder of:

* Triple A credit card

* FICO scores with source: Credit wise 668

* Oldest credit card account age: 6

* Cards approved in the past 6 months: 3

* Cards approved in the past 12 months: 3

* Cards approved in the past 24 months: 5

* Annual income $: 9,495

CATEGORIES

* Ok with category-specific cards?: Yes

* Ok with rotating category cards?: Yes

* Estimate average monthly spend in the categories below.

* Dining $: $50

* Groceries $: Sam’s club: $140

Walmart: $200

ShopRite: $50-$120

* Gas $: 0

* Travel $: $170

* Using abroad?: Daily purchases and travel

* Other categories or stores: Food, travel, concerts, Broadway shows, Kith, Walmart, Ulta, Macy’s, Nike, Footlocker

* Other spend:

* Pay rent by card? No

MEMBERSHIPS & SUBSCRIPTIONS

* Amazon Prime member: Yes

* Big bank customer: Capital One

* Open to business cards: Yes

PURPOSE

* Purpose of next card: Building Credit

* Cards being considered: Not sure honestly. I’m interested in building credit and benefits like reward points

ADDITIONAL INFO

I’m 24, a live at home college student. I’m looking to build credit and earn points for travel or other systems I’m unaware of. I’m also applying for more work to boost my annual income.

I heard you can still get it but I'm not sure where I apply

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