https://upgradedpoints.com/news/chase-sapphire-reserve-new-doordash-credit/

Mine is 3x Dunkin per day

Daily pick up from local restaurants on Clover

I saw a data point yesterday that the grocery category for the card was removed, but I just logged on to select my category and the grocery category was available. I was able to successfully select it as my category for September. For reference, I'm in the eastern US and selected the category via my PayPal mobile app.

Recently, I was looking into getting a grocery card for my set up. I was mainly eyeing the Amex Blue Cash Preferred and I guess my phone must've told Chase because I received an email this morning with a promotion giving me 3x on groceries up until 10/31, for my Freedom Unlimited.

It got me thinking, why doesn't chase remove the 3x dining & 3x drugstores multipliers and just add the 3x on groceries? Just get rid of the overlap with the Freedom Flex and get more people using the Freedom Unlimited.

Do y'all think Chase is trying some things out for a potential refresh of the freedom cards?

P.S. I plan on taking advantage of this promo and then open up the AMEX BCP

I've tried using the capital one offers on the VX 10 times with various stores/merchants now and haven't got the advertised bonus a single time. I’ve seen many comments here saying the same thing. What gives? Has anyone actually got them to work? Recently I tried the Amazon offer for a bonus 1000 miles with a $25 purchase. I placed the order on Aug 26, Amazon charged my card and shipped the order on the 29th. But of course that didn't post until today, funny how the processing for these always takes more than 3 days when it's usually 2. All other offers I've tried say to click the link when you activate it and make the purchase. Regardless if I try that on my phone or computer there is never a payout even 90 days later. And yes, I disable extensions. This isn't a big deal to be fair, but rather scummy on C1's part. Just curious if anyone else has had this happen?

AF came up this week and asked about what downgrade paths were available and unfortunately it was only ATT card of some sort that earns TY points or American Airlines cards.

Was hoping custom cash would still be available but was not. Guess it’s really toast.

As for the strata elite… just didn’t find good value in it. I still hold the Citi Prestige and it’s just a way better daily earner. That Blacklane credit was mostly useless.

Edit: I was not offered any strata cards. Meant to say AA.

CREDIT PROFILE

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

* Chase sapphire preferred

* FICO scores with source: Experian 798

* Oldest credit card account age: 10 years

* Cards approved in the past 6 months: 0

* Cards approved in the past 12 months: 0

* Cards approved in the past 24 months: 1

* Annual income $: $200,000 +

CATEGORIES

* Ok with category-specific cards?: Yes

* Ok with rotating category cards?: No

* Estimate average monthly spend in the categories below.

* Dining $: 600

* Groceries $: Costco 250

Walmart 300

Kroger 300

* Gas $: 440

* Travel $: 666

* Using abroad?: yes

* Other categories or stores: Bunch of random stuff but yeah

* Other spend: Food delivery, motorcycle parts, tools, supplements

* Pay rent by card? No

MEMBERSHIPS & SUBSCRIPTIONS

* Amazon Prime member: Yes

* Costco or Sam's Club member: Costco

* Disney bundle subscriber: Yes

* Big bank customer: Chase, USAA

PURPOSE

* Purpose of next card: Travel Rewards

* Travel rewards preferences: Delta

* Cards being considered: No

My Capital One Quicksilver Visa card is expiring this December. I just received an email that my new Quicksilver card will be mailed to me four to six weeks before the expiration month. It also stated that while the expiration date and CVV code are changing, the 16 digit card number is NOT changing. Since my 16 digit card number is not changing, am I safe to assume that my Quicksilver is staying a Visa card and not going on the Discover network (at least for now)? Is it because my Quicksilver is a Visa card and not a Mastercard or is it because it's a replacement card for an expiring card and not for a brand new customer? Anyone who recently received a replacement card for either a Quicksilver Visa or Quicksilver Mastercard have any insight about this?

Follow up to my previous post, the new quarter is out in app and on the website.

Restaurants, entertainment and utilities

Active from Oct. 1 to Dec. 31

You activated to earn 5% cash back on restaurants, entertainment and utilities from October 1 (or the date on which you activate 5%, whichever is later) through December 31, on up to $1,500 in purchases.

CREDIT PROFILE

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

* Discover Student It $1,500 limit, 06/2023

* FICO scores with source: Discover 697

* Oldest credit card account age: 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 $: 10000

CATEGORIES

* Ok with category-specific cards?: Yes

* Ok with rotating category cards?: No

* Estimate average monthly spend in the categories below.

* Dining $: 100

* Groceries $: 175

* Gas $: 100 BJs

* Travel $: 0

* Using abroad?: No

* Other categories or stores: amazon, often

* Other spend: apple music subscription, icloud subscription

* Pay rent by card? No

MEMBERSHIPS & SUBSCRIPTIONS

* Amazon Prime member: Yes

* Big bank customer: TD Bank

PURPOSE

* Purpose of next card: Building Credit

* Cards being considered:

I'm sitting on a good amount of Amex points and wondering if there are tools i can use to make searching for point deals more efficiently

CREDIT PROFILE

• * Current credit cards you are the primary account holder of:  Chase Freedom $2,500 limit, 12/2022, Best Buy Visa Card $5,400 limit, 01/2024
• * FICO Scores with source : Experian 697
• * Oldest credit card account age with you as primary name on the account: 4 years
• * Number of personal credit cards approved for in the past 6 months: 0
• * Number of personal credit cards approved for in the past 12 months: 0
• * Number of personal credit cards approved for in the past 24 months: 0
• * Annual income $: $85,000

CATEGORIES

• * OK with category-specific cards?: Yes, Currently have Chase Freedom for Dining and Drug store. I am looking for groceries and gas for my next one mainly.
• * OK with rotating category cards?: Prefer it be consistent.
• * Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
  • * Dining $: $150-$200
  • * Groceries $: Walmart- $200, Costco- $200
  • * Gas $: Costco
  • * Travel $: $0, this might be something I look to do in the future. Not currently a huge traveler.
  • * Do you plan on using this card abroad for a significant length of time?: No.
  • * Any other categories: Amazon Prime with Paramount and Apple TV $30
  • * Any other significant, regular credit card spend you didn't include above?: No
  • * Can you pay rent by credit card? If yes, list rent amount and if there's a fee for paying by credit card: No

MEMBERSHIPS & SUBSCRIPTIONS

• * Current member of Amazon Prime?: Yes.
• * Current member of Costco or Sam's Club? Yes.
• * Current member of Chase, US Bank or any other big bank?: Yes, I currently hold checking and savings with Chase.

PURPOSE

• * What's the purpose of your next card (choose ONE)?: Grocery and gas purchases.
• * Do you have any cards you've been looking at? I have been looking at the AMEX Blue Cash Preferred and Blue Cash Everyday, but Costco and Walmart aren't eligible for the cash back reward.

Just a heads up that this BoA UCR offer is now available as of last week and was just boosted to $150 today. This is in addtion to the normal $250 SUB for this card.
https://www.rakuten.com/shop/bofaunlimitedcashrewardscreditcard

Also the BoA TR offer from Rakuten is now $350, which is the highest I've seen it. Effectively a $600 SUB for a no AF card. https://www.rakuten.com/shop/bofatravelrewardscreditcard

Posting this in case it's showing for other people too. Not the 88x that some people got a few weeks ago but still pretty good!

Edit: It's under offers, not shopping. Didn't realize those were different things.

If you search HSN it's actually 66x back

From what I have read, there might be a $1k cash back limit over a 3 month period, which maxes out around $1,500 of purchases. Other people have said that they weren't capped though. I bought $1,700 worth of stuff so we'll see.

I just turned 18 on the 13th of August, and well I finally got around to setting up a credit card (which I’ve been wanting to do for a while) and well i settled on a capital one card after a few hours of research and tried the pre approval they offer

Well anyways they said they can’t offer me any cards at this time

I’m making roughly 15-20k a year (I know it’s not a lot) I have no credit history whatsoever (I think that may be why) like no loans, no nothing, unless my parents used my name to something I don’t know about.

And well idk what to do now, I guess try discover it, or chase? I bank with prosperity so unfortunately I don’t have a foot in the door with chase.

Well anyways I could really use some advice, because I’m getting kinda overwhelmed 😭 especially by all the different options

Hi guys, so I was trying to request a credit report from Equifax on annualcreditreport.com but they kept saying something went wrong and then I switched from safari to Google Chrome and it told me the same thing except in Chrome they asked me a few security questions (I guess?) before showing me the same page that says something went wrong? I did call whatever number they provided me and they ( it was a robot the entire call btw ) said they would mail the credit report to me but I'm not at the address right now and I just want an electronic copy of the report saved on my mac so it's easier to access. Does anyone know what I should do ? ( Experian and TransUnion did not give me these troubles )

( the same thing happened to me a few months ago btw )

Thanks!

Just curious to see if anyone has information. Thanks!

Hi friends,

I purchased access to the Law School Admission Council’s online application services, which is necessary in order to apply to law schools. However, I recently discovered a fee waiver I could apply for and was granted it, giving me free access to these online application services I had already paid for.

I reached out to their customer service and asked if I could get my $124 back since I was given access to it for free, but they said it was nonrefundable.

Can/should I dispute this charge with my credit card?

Hey everyone! I'm looking for referral links for either the Chase Freedom Unlimited or the Amex Blue Cash Everyday.

I'm a 23M international student looking for my next card and would love any extra suggestions or advice on planning my ecosystem( no annual fee).

Card Recommendation Request: First Points/Travel Card (FICO 764, Income $20k)

Current cards:

• Capital One Savor $2,500 limit, ~oct 2025 (Main)
• Discover it Cash Back $2,500 limit, ~oct 2024 (Secondary)
• Capital One Venture (Authorized User) $50,000 limit, ~March 2016

FICO Score: 764 (TransUnion)

Oldest account age: 10 years (Authorized User) / ~2 years (first owned)

Chase 5/24 status: 2/24

Income: $20,000

Average monthly spend and categories:

• dining: $200
• groceries: $150 (Walmart, rarely hyvee)
• gas: $250( Caseys)
• travel: $150
• other: $200 (subscriptions including Spotify, auto parts, tools, shopping)

Open to Business Cards: No

What's the purpose of your next card? Travel / First points-based card future building

Do you have any cards you've been looking at? Chase Freedom Unlimited, amex blue cash

Are you OK with category spending or do you want a general spending card? OK with category-specific or rotating category cards

I have a question about possibly getting a credit card (my first... so obviously I have some learning to go out and do) for what has unexpectedly become my main source of income. I've been doing renovation/handyman stuff, which started as a side gig and is just more profitable than my day job now. I don't even really know *exactly* what it is I do yet, I just keep asking people if they have anything they want done and keep saying "would you like a qoute?"

I've never had a credit card because I watched one of my parents destroy the familys financial situation with them as a teen on pure garbage. But I've been using those annoying mail-in rebates on all the materials I'm buying for clients and thinking "hey, this is pretty sweet"

So it got me thinking... what if on top of the rebates I'm getting for my business expenses... could there be a credit card that gets me a little bit more money back on construction materials?

Let me know what you think.

Hello,

I currently have the Capital one Venture X (personal) one, and I plan to cancel it right after one year anniversary (I have the Bilt Palladium, so I don't use the Venture X)

1) I believe Capital One Offer is a powerful tool to earn points. Will I be able to use the Capital One Offer with Venture Business card? Capital One Rep confirmed it but I have doubts.

2) I plan to pay property tax to meet the SUB spending requirement. I know Amex and Bilt don't count the tax payment. Capital One does, correct?

3) I have about 170k Capital One Points. I will open the Venture business card first prior to canceling the Venture X. my points will remain with Venture Business card, Correct?

4) For those of you who have the venture business card, feedback is appreciated.

Thanks!!

Just a simple note & checkbox lol!

Was too late for Sephora & Newegg gc but just in time for Dunkin' before they limits it to 1 gc per day (Sep 1st).

9 days left to fatten up with Little Caesars 🤗

I have a Amex business delta reserve card that i primarily use for personal expenses. There's no language saying that you can't use it (see https://www.reddit.com/r/CreditCards/comments/16jrdbe/can_you_use_business_cards_for_personal_expenses/), but indeed the intended use is for business transactions.

But I'm wondering how this applies to its benefits like car rental coverage. If i rent a car for personal use with this card, and something happens and I have to file a claim, could it get denied for non-business use?

Hi everyone! I’m looking for a good first credit card and have seen that people like Discover It, CapitalOne Quicksilver, Chase Freedom Unlimited, and City Double Cash. What’s your favorite?

I’m also looking for somewhere for my savings. Anyone have a recommended savings/checking account?

I’ve never had any of anything before. I previously had a savings attached to a parent’s account.

Thanks in advance!