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  1. I got a kick out of this in my suggested posts today. The first card in the list made me laugh. https://www.facebook.com/109992435702455/posts/1636798749688475/ Sent from my iPhone using Tapatalk
  2. You wouldn’t affect your overall utilization. Your Cap1 utilization now is about 50%, if your other cards are over that util then I can’t imagine it will make much difference to combine them. Sent from my iPhone using Tapatalk
  3. $49 annual fee makes this card practically worthless unless you have a serious Starbucks addiction or you’re a regular gopher for your office. TPG has a pretty good breakdown of the “benefits”: https://thepointsguy.com/2018/02/starbucks-chase-credit-card/ Sent from my iPhone using Tapatalk
  4. If you exchange your stars for lattes, a star has a value of about $.04. 3X points is a 12% discount, so not too shabby. My current discount method is to buy gift cards on Raise for 2-4% off and pay with a 2% value CC, for 4-6% off. That said, if you drink 5 lattes a week (that’s a lot of calories!) it comes out to $1250 a year, of which 12% is only $148. For me, getting the card would only net $74-102 per year over my current method. Sent from my iPhone using Tapatalk
  5. Nice, congrats I recently “upgraded” from BCE to BCP, but I made sure that my grocery store spending would support the AF. Sent from my iPhone using Tapatalk
  6. Yes, precisely. Sent from my iPhone using Tapatalk
  7. Glad I’m not the only one, they denied me for a second Venture (my first was 181 days old) last week. 700-725 FICO8s. I’ve decided I don’t care too much about getting and combining Cap1 cards Sent from my iPhone using Tapatalk
  8. I’m in the same boat. I can’t get a new Chase card until next year, and everything else is boring. Sent from my iPhone using Tapatalk
  9. I travel for work about 2-3 times a year, potentially to Europe or SE Asia but mostly North America. Now that my credit has built enough that I can qualify for good cards, I'd like to commit to a set of cards and programs to hopefully build and use rewards to make travel a little better. I've looked at Amex Platinum and CSR, and I can probably get enough value out of them to pay the AF, but not by much. I'm trying to make sense of all the hotel and airline cobranded cards paired with loyalty programs. Does anyone have any card/loyalty pairing recommendations that work well for the infrequent traveler? I am considering the current or new Amex Hilton cards, because the hotels are everywhere and in my price range. Any suggestions would be appreciated Thanks.
  10. I was skeptical about my metal Venture at first, I thought maybe the paint would wear off quickly or something. A year later and it's the only card in my wallet that isn't worn out (and is in fact new looking). My BCE has the numbers worn off and is all cloudy and gross looking, my NFCU card is delaminating, all the other cards are bent. Plus the lack of raised numbers makes a difference in wallet thickness/shape. I don't care about impressing store clerks, but I'm sold on the metal card.
  11. It looks like a nice deal, but if you compare it to other unlimited cash back on everything cards it seems kind of mediocre. For example, if you compare it to a Cap1 QS (1.5%, $150 SUB for $500 spend) then you have to spend $10k for the same bonus, and that’s not even the most exciting comparison card out there. If you’re planning on spending a ton in the next year it may be worthwhile. Sent from my iPhone using Tapatalk
  12. Does opted out or freezes prevent quarterly offers? Sent from my iPhone using Tapatalk
  13. Rakurai

    0% BT

    Not sure about the “as low as”, but my Alliant card has been good for the 0/0 since I opened it earlier this year. Reasonable credit lines too. Sent from my iPhone using Tapatalk
  14. Good timing on the warehouse clubs, the double cash back (3%) at Sams with my NFCU card ends with the year. Sent from my iPhone using Tapatalk
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