r/CreditCards

Now that more and more places have started to charge the 3% credit card fee. What card do most folks use to try and offset this?

Does it even make sense to use cards like the CSR or AmexPlat? Or at that point are you just losing money?

Curious what cards are generally best to try and offset the fee

What’s your favorite spreadsheet formula or function for tracking all of your cards? I need to combine mine with Player 2, so looking to revamp it a bit. Not interested in any apps, I like to waste time doing it myself 😂

Hello!

Just saw a targeted offer for 70k miles on the delta gold in the delta app. The offer is 50k miles on the Amex site. I followed the link in the app to apply and was approved for the sign up bonus.

I kept trying for the delta gold 90k SUB the last few months when that offer was up but I kept getting the pop up jail “no bonus for you” as recent as March since I’ve already had the Amex delta gold and received the sign up bonus at the time.

Thought it was interesting enough of a deviation from Amex’s lifetime limit on SUBs to post it here. Perhaps changes are coming? I saw Delta is going to make an announcement on April 13th…

I have the AMEX BCP and have already hit my $6K grocery limit for 2026 (Family of five, HCOL area, and my value system is aligned with really good food. It’s truly where I like to do my spending).

I also have the Verizon Visa, but I don’t love how you can only use the rewards for a cell phone bill credit. I’m still sitting on $450 of amassed Verizon Visa rewards from last year when this happened with my AMEX BCP card, and it’s taking forever to draw them down because my Verizon cell bill is only $41/month. 😅

So if AMEX BCP and Verizon Visa were out, what would be your next grocery card for a family that spend between $1,500-$2,000 on groceries.

My local Alaska lounge now routinely refuses admission to AC members so this card is no longer worth the $595 AF. What is the best free or low cost Citi option to downgrade to? I have elite status on Alaska so none of the other card benefits are worthwhile to me. Are there non AA Citi cards I might consider?

I recently seen someone post that they was able to apply for RHG through the Crefit Karma app, so i decided to give it a try. I've been on the waiting list for a few months now, but sure enough it allowed me to go straight to the pre-approval tool, and was apprived for a 10k CL. Has anyone else tried this method?

hello everyone! I just wanted some thoughts about my plan to close my 3 Bank of America and 2 Capital One cards.

I am entering my mid 20s, so I have enjoyed churning cards and maxing card benefits. but I feel I have come to a point where I want to consolidate to make it all easier to manage. I have credit cards with Bank of America, Capital One, American Express, and just recently a Citi Bank card (in addition to an Amazon Store card) for a total of 12 credit cards open currently.

I personally see a lot of use in AmEx and Citi cards, which is what I plan to move towards. so I just want to see, say in the future if I wanted to reopen cards with either of B of A or C1 how hard it would be, or if it would even be worth doing. my idea is to lean on Citi cards for daily spending and AmEx cards for benefits, and with C1 lacking in card variety, and B of A mainly cash back, they seem limiting for my near term purposes.

Hi- is there a way to know before I’d click “submit” in my application that will get a bonus? I had this card back in 2020 but no one in Chase seems to know lol. I even went to the branch and they are saying submitting it is the only way but that will be hard credit check

Anyone has DPs on if they can be used for things like baggage fees, inflight purchases, or some other ways other than airfares? I tried to use it for the tax+fees for an award ticket, but forgot it shows up as 2 transactions, one for each person ticketed, so it's under $50 each. Ooops

In a perfect world I'd like to transfer 60K of credit card debt to a new card that is offering 0% APR for 12, 18, 21 months. Is that realistic to find?

I am currently Gold Elite with Marriott with 0 nights this year and 83k points. Due to booking with AMEX travel, I do not get the nights counted towards my Marriott account. This is why I want to get a brand card.

I am using an AMEX plat card for all my purchases, I am a HEAVY traveler for work. Work expenses all of my travel and food, I can use my own personal card for all of the payments. I also get to decide the locations of my hotels/flights/rentals. I am currently National Executive Elite and use them for all rental cars.

I am also open to downgrading my AMEX plat card.

• Current cards: (list cards, limits, opening date)
  • Amex Plat, August 2025
  • CSP January 2025 (not used often)
• FICO Score: 760
• Income: $120,000 - $150,000
• Average monthly spend and categories:
  • dining $1500
  • groceries: $0
  • gas: $120
  • Hotel (Marriott): At least $4800
  • Flight (I travel from New Orleans to Spokane WA): $1200 average
• Open to Business Cards: Yes
• What's the purpose of your next card? Maximizing the value of my travel time, as I spend 20 days of the month in a Marriott hotel.
• Are you OK with category spending or do you want a general spending card? I use AMEX plat for everything at the moment, would like my hotel spending card to be Marriott. I am also considering a dedicated airline card.

From Bank of America, standard 1.5% cash back with 0.5% extra for a year, to total 2% cash back. Platinum status members ($100k in accounts at BOA and Merrill combined) earn a 75% bonus reward, which makes the 1.5% CB a very attractive 2.625% CB (and I've been using that for years) but this is an absolute game changer as Platinum bumps 2% to a whopping 3.5% CB. And unlimited? That's significantly more than the processing fees on pretty much any payment system out there.

What am I missing?

• Earn unlimited 2% cash back for the first year on all purchases
• $200 online cash rewards bonus if you make at least $1,000 in purchases in the first 90 days of account opening
• Select your card design option when you apply – the Unlimited Cash Rewards design, or the limited-time FIFA World Cup 2026™ design
• No limit to the amount of cash back you can earn and cash rewards don't expire as long as your account remains open.
• No annual fee^(†)

What are the best pre approved intro apr cards for students, I tried to apply for Chase freedom unlimited and that lowkey hasn't worked. I have about 4 years of credit and good credit. Just need some recommendations for Pre Approved Student 0 APR.

Turning 18 next month, Here are the stats

• Perfect history on 10 year old and 4 year old card (authorized user)
• 45k yearly salary
• Living with parents (no rent)

I am responsible, I treat credit cards like debit cards, I pay my statement balance on time every month.

My ultimate goal is to get a Chase Saphire Reserve because I want to book cheap international flights (my mom is a frequent flier and I want to make it more affordable for her *she has a bad credit score*)

Here is what I am thinking

1. Start with Chase Freedom Rise

2. Get a credit limit increase after 6 months

3. Get Chase Freedom Unlimited/Saphire Preferred

4. Get Chase Saphire Reserve

How does the realistic timeline look for this? With

• 1-10% utilization
• Paying statement balance Large balance in Chase checking

When can I hope to get the Saphire reserve?

• Current cards: (list cards, limits, opening date)
  • Apple Card $10,000 limit, September 2022
  • Amex BCE $20,000 limit, April 2023
  • Amex Platinum NPSL, April 2024
  • Capital One Venture X $30,000 limit, January 2026
• FICO Score: 760
• Oldest account age: e.g. 3 years 6 months, but AU on some of my parents cards for much longer
• Chase 5/24 status: N/A
• Income: e.g. $110,000
• Average monthly spend and categories:
  • dining $500
  • groceries: $400
  • gas: $0
  • travel: $500
  • other: $500
• Open to Business Cards: e.g. No
• What's the purpose of your next card? Dining rewards
• Do you have any cards you've been looking at? Citi custom cash to use only for dining, but it doesn't really fit my setup. Capital One won't approve me for the Savor since I just got the VX
• Are you OK with category spending or do you want a general spending card? Ok with categories.

Hello I am at a loss here.

I am an authorized user on my ex husband’s credit card and I didn’t know that he hadn’t removed me all this time. Turns out he maxed out the card and stopped paying since September, this forced the credit card company (Citibank) to closed the account in Feb of this year.

I’ve been checking my score from all three bureau and it kept showing low 800s so I didn’t know about this until I pulled my credit report a couple weeks ago and saw that my actual credit score is actually 580 with Equifax and 607 with transunion. Experian remained because Citibank doesn’t report to Experian.

Anyhow, I called Citibank to remove me and they absolutely will not remove me even though my ex husband has been divorced for quite some time low and I haven’t used the card since the divorce. I don’t even have the card.

I filed a dispute with both credit agency. Transunion removed it right away. Equifax came back saying that this item belongs to me.

I called Citibank, they won’t remove me. Equifax say this card belongs to me… I don’t know what to do next. I will not reach out to my exhusband as he is a violent person with history of domestic violent…

Please help…

.... last year me would’ve been excited about this, but now I’m not so sure.

Right now I use USBAR and it gives me 3% on basically all my spend. My catch-all is Fidelity. I do care about lounge access, but my $395 AF on USBAR doesn’t hit until November, and I haven’t had to used the portal yet. I usually transfer my cashback to USBANK saving before transferring to another bank.

Now I’m considering:
- Accepting RH Gold
- Cancelling USBAR
- Pay $125 AU for Priority Pass on Venture X to cover lounge access for player 2

My concern is I’ve been seeing rumors about potential Robinhood Gold nerfs, and if I drop USBAR I won’t be able to get it back.
Also, RH Gold requires to transfer the money to brokerage account and then transfer it out? is that how it works?

What do you guys think?

I recently got the Venture X and all my other cards have a payment due date on the 1st of the month. Online the closest I could get to is the 4th. I called Capital One and they said the 1st is not allowed and only the online options can be chosen which is the 4, 8, 12, 16, and 20th of the month.

Anyone else have success changing the payment due date to something outside those listed dates? It is not a big deal but first time I dealt with a credit card where I was unable to choose the 1st.

Hi everyone,

I'm trying to figure out what credit card to use to purchase my olympics tickets. I was planning on using my Elan Max Cash that gives (5% back on entertainment), since that's what I generally use for event tickets. However since tickets are being sold direct through the organization and not a dedicated ticket platform I'm worried they won't code correctly and I won't get the 5% back, in which case I'd like to use a catch-all instead.

Anyone have any insight?