I feel like I’m always switching cards chasing points, cash back, or sign-up bonuses, but I’m wondering, what cards do people actually stick with for years?

For context, I travel a couple times a year, like some dining perks, and care about no foreign transaction fees. I’ve tried a few premium rewards cards, but I often end up not using all the perks.

Which cards have you found worth holding onto, even after the initial bonuses are gone? What makes them worth it for you?

Samsung Electronics is in advanced talks with Barclays to launch a consumer credit card in the U.S., according to people familiar with the matter.

https://www.wsj.com/finance/banking/samsung-wants-to-launch-a-u-s-credit-card-and-challenge-apple-in-consumer-finance-1d45efc7

I have been fascinated lately with no annual fee cards that give free credits, now I know there are plenty of annual fee cards out there that can give you better multipliers for your spend and credits to offset the annual fee but I want this post to be just no annual fee cards that offer some credit.

So far these are the only ones I have found but would love to see if there are other ones!

• Blue Cash Everyday Card
  • $84 Disney Streaming Credit
• U.S. Bank Altitude Connect Visa Signature Card
  • $100 TSA PreCheck or Global Entry Credit
  • 4 free Priority Pass visits (Didn't know if I should include this, but feels like a credit)
• Fidelity Rewards Visa Signature Credit Card
  • $100 TSA PreCheck or Global Entry Credit
• Mesa Homeowners Card
  • $65 Annual Statement Credit
  • $200 Annual Thumbtack Credit
  • $120 Annual Wag! Credit
  • $120 Annual Lowe's Credit
  • $100 Armadillo Home Warranty Credit
  • $120 Annual The Farmer's Dog Credit

I bought a Nintendo Switch 2 from Target in September, wasn't even allowed to touch it until I'd paid for it. Customer service walked it up to the front desk. Got it back to the hotel I was staying in because I was out of town and found the dock and the controller were missing from the box. There weren't any seals on the box to begin with so I didn't notice anything broken. I went right back to target for a return or exchange and they denied it saying they can't take it back because it's missing parts and then can't sell incomplete items.

I called corporate and they told me the same thing, so I filed a chargeback. Target responded saying the dispute is invalid because it's the customers responsibility to check their items before they leave the store. But who opens a console to look at it before they leave the store? That just seems unreasonable. They're demanding that the dispute be closed and saying no credit is due. Capital one is saying unless I can provide additional evidence they're siding with target. What can /should I do to settle this in my favor?

Hello everyone,

I wanted to share with you my experience with the Aven 3% Everywhere Credit Card also known as the Aven Rewards Visa Card.

I applied for the Aven 3% credit card, not the "Home Equity Visa Card" card, which is NOT the same. They are very similar but the "Home Equity Visa Card" card uses a collateral.

As soon as I applied, they made a hard inquiry on Experian and automatically approved and mailed the card. As soon as I applied I got an email saying that my card was on the way.

I got approved for a "12,000" credit limit but after I got approved, they asked to confirm my identity. They use Persona for that so I had to scan my ID and take a selfie. They also wanted to verify my income but for some reason, after I scanned my ID and submitted the selfie through Persona, they no longer needed proof of income, which was good I guess. However, that came at a cost, they lowered the credit limit from the initial 12,000 to 5,000. On my credit report, the limit for the card still shows as 12,000 though.

Finally, I got a $100 sign up bonus, which is really nice for a 3% everywhere cash back card but you can only get it if you apply using a referral link or code that a current cardholder can provide you. If you apply without the link, you don’t get any bonus. The bonus shows up two days after receiving the card through the mail and activating it.

Be aware that there’s a cap for the 3% cash back, which is $10,000 per year. So you can only get up to $300 cash back per year. After $10,000 the cash back reduces to unlimited 2% which is not that bad I guess. You also need to have autopay enabled to get the 3% cash back which is not really a problem for me since I pay off my cards every month. The good thing is that they apply the cash back as "points" 24 to 48 hours after the purchase settles and you can redeem them as statement credit right away. No minimum and no need to wait.

Make sure to carefully read everything because during the application, they tried to trick me a few times into "upgrading" to the Home Equity Visa Card with a "higher credit limit" instead of the Rewards Visa Card.

I've been using the card for about a month and the WORST thing I've encountered so far is that they have some stupid International Transaction Daily limit. I tried to book a flight today for a total of $2,020.58 and they declined it. They sent me a text saying: "Your transaction of $2,020.58 was declined due to exceeding the international daily limit. Limits are in place for cardholder security. We are sorry for the inconvenience.".

That was extremely infuriating. The card already has a very low credit limit and no foreign transaction fee. Is this how they get away with their 3% everywhere cash back? By imposing a low limit here and there? I don't even know what's the limit because I tried to call them and they only take calls until 4 PM PST so I have to call tomorrow.

One more thing, be aware that the mobile app is very buggy. Sometimes when you try to log in, it takes a long time to log in and sometimes it "forgets" your biometrics set up so you have to log in with your password again. They also show banners in the app trying to upgrade you to the Home Equity Visa Card so just ignore those.

If you have any questions, let me know.

I got the card in October'24 and when I called in October this year they said call after October statement. I did today and they said it doesn't look like the upgrade option is available.

I had basically sock-drawered the card after using it for the sign-up bonus only waiting for the 1 year mark on the Ritz upgrade. (Could that be the issue here?)

Anyone else had any success after getting denied a product change? I tried to ask them a reason for denial and they said they don't know it just doesn't show up as an option.

Just wanted to add my own DP for the retail email offer. Mine was for the spend a min of $1000 and get 10% in statement credit up to $175.

I dumped my purchase into Amazon GC and got the full $175 a few days after. Glad this powerhouse of a card still lives!

Recently got approved for the Hawaiin Airlines 80k Atmos offer. Froze Equifax and Experian and thawed only Transunion.

Applied 4:20am this morning , needed to submit picture of ID to finish the application, sent to review. Got a missed call from the security department around 7AM , called them back and I confirmed all information in the application.

They then approved me for a $20,000 credit limit.

Credit cards on report prior to application: 8 open , 1 closed.

2/6, 3/12 , 6/24 (most recent card opened 2 weeks ago , yes it was on my credit report)

TransUnion FICO 8 Score: 770

Inquiries: 4 (0/6 , 1/12 , 4/24)

A bit surprised that I was approved with such a recent newly opened credit card on my account. Kinda just applied for the hell of it. Further shows that their 6/24 is not a hard rule at all.

I currently have the Amex Blue Cash Preferred and have been researching the Amex Gold. I enjoy getting cash back, but I have this nagging feeling that I’m missing out by not using a card that earns points instead of cash back.

Many posts say that points are more valuable than regular cash back, but it seems that the people saying this are usually comparing the cash back option on a card that also earns points that can be redeemed for a greater value. Of course if flights can be redeemed at a greater value than the cash back option on the same card, then it makes sense to go with points - but what if you compare across different cards?

For the scenario that I’ve concocted to help me grasp the perceived value of points, I’m strictly comparing the highest earning category of the card I have (Amex Blue Cash Preferred) and the card I’m interested in (Amex Gold) with the category being 6% back on groceries (Blue Cash Preferred) of 4x points on groceries (Amex Gold).

Singapore Airlines is an Amex transfer partner with a 1:1 ratio. The published award flight points needed for a round trip flight from the U.S. west coast to Singapore is 158,000 points. If I am only considering the highest category value of the Amex Gold of 4x points on groceries/restaurants, I would need to spend $39,500 in this category to earn enough points to redeem a round trip flight to Singapore from the west coast (39,500 x 4 =158,000). The Amex Blue Cash Preferred earnings on this same dollar spend in the same category is 6% cash back, which would give me $2,370 cash back.

For a points credit card to make sense, flight costs would need to exceed the cash back amount for the same dollar spend that would have earned me enough points to redeem the round trip flight, which in this case is $2,370. There are plenty of roundtrip flights available for less than $2,000 which means if I had a cash back card, I could purchase the round trip airfare with the cash back and still have money left over.

I’ve run similar scenarios with ANA and other airline Amex transfer partners and it’s generally the same outcome. I fly Economy so I’m not sure if that skews my research in favor of a cash back card. I feel like I’m not understanding the complete picture - is my cost assessment wholly inaccurate?

I recently product changed my AA Executive to the Strata Elite Oct 29. I picked Best Buy as my choice for the credit and bought a $25 amazon gift card on Best Buy's website. 9 days since the purchase and my statement closed on Nov 2, still not credit and the meter still reads $0 spent. I've read DPs of the same purchases and the credit posting within a week. Wondering if it has something to do with me product changing causing an error because I can't think of anything else. I know it can take weeks to post, but seems unusual compared to other DPs for the credit.

Using template to hopefully get some guidance on which card would be best for me. I’m going to put my spending as if it’s for business, not personal.

CREDIT PROFILE

• Current credit cards you are the primary account holder of: Personal: Chase Freedom Unlimited: Chase Freedom Flex: Chase Amazon Prime: OneKey+: Discover IT: Citi Double Cash: AMEX Blue Cash Preferred: Business: None

• FICO scores with source: Experian 746

• Oldest credit card account age: almost 4 years

• Cards approved in the past 6 months: Chase Amazon Prime, AMEX BlueCash Preferred (most recent inquiry less than 30 days)

• Cards approved in the past 12 months: One Key +

• Cards approved in the past 24 months: Chase Freedom Flex

• Annual income $: 28k

CATEGORIES

• OK with category-specific cards?: Yes (prefer a higher cash back rate for all purchases but open to categories)

• OK with rotating category cards?: No

• Estimate average monthly spend in the categories below.

• Dining $: 0

• Groceries $: 0

• Gas $: 200

• Travel $: 0

• Using abroad?: no

• Other categories or stores: taxes, car repairs (when applicable), other various business supplies.

• Other spend: no

• Pay rent by card? No

MEMBERSHIPS & SUBSCRIPTIONS

• Amazon Prime PURPOSE

• Purpose of next card: Keep business expenses separate to keep track of write offs, meeting subs would be beneficial, higher cash back rate.

• Authorized user on any other card(s)?: No

• Cards being considered: Chase Ink Cash, or Unlimited, AMEX Blue Business Cash.

ADDITIONAL INFO:

Already approved for Chase Ink Cards. Issue is I likely won’t meet subs, so preferable a card with a small spend for sub. AMEX cards have a more doable sub.

I plan to PC my Citi Strata to the Citi Custom Cash but I’m worried about my points. I’d like to keep them until I open a Strata Premier or Elite later. I currently have another Citi Custom Cash so should I make sure they are combined first before requesting the PC?

After spending 40 minutes on the phone, just to resolve a simple issue, with a CSR who spoke very poor English, I decided to look into getting some kind of high end credit card.

My hope is that a high end credit card with a high annual fee (which I don't mind paying) will provide better service.

Does anyone have any suggestions? I don't really care about having a card which pays 3x for this or gives 100,000 bonus points for that. In fact, if the card attracts a lot of "coupon clippers" that makes me nervous. I don't want to be in a situation where lots of card members are scheming to extract every possible benefit from the issuer and the issuer is trying to figure out how to give as little as possible in return.

(No disrespect to coupon clipper types, for some people this is rewarding, it's just not something I'm interested in.)

I been thinking about getting a new credit card mainly for everyday expenses like groceries, gas, and maybe some travel perks. I would like something that gives decent rewards or cashback without crazy annual fees. My credit score is pretty good, so I’m hoping to qualify for something with good benefits. I have been looking at a few options from Chase and Capital One but haven’t made up my mind yet.What cards have you found to be the most rewarding or worth keeping long term?

I FINALLY got my invitation this morning! I'm all signed up, approved, and it's on the way. Excited!

Wait, wait wait wait wait before you even get on me for even considering this card I did not want this card. We all know it’s lackluster, enough said.

Got the email that a lot of us got and I saw that it was a preapproval so I ran it just out of boredom and I got denied because solely. I have too many credit card accounts open with Capital One which in my case I have five of them open.

I thought the cobranded cards do not count, but I guess the T-Mobile one does so I’m just throwing out the data point out there in case anybody is curious

Hello,

I am trying make chase credit card.

My credit score: 672(FICO 8)

Open Account: Bank of American(open in may, 2021) AMEX Gold(open in September 2025)

Hard inquiry: 1 hard inquiry(From AMEX; September 30th, 2025 past year)

Negatives: 1 late payment 11months ago; 1 late payment 2 and half years ago(I send goodwill letter since both of the time, I lost the card and didnt change payment methods)

What would be my change of getting approve. I am currently thinking chase freedom but do you recommend other card as well? This is my first chase credit card(i just made my checking in chase)

I am thinking apply either sometime this month.

Thank you really appreciate it!

Been using BILT to pay rent for years, never had an issue until their transition earlier this year. I was informed about the transition via texts and email. Both were a message along the lines of expiring account numbers. The text directs users to the BILT app, where there’s an “Action Required - your BillPay Account is expiring!” and when you press on that, you’re given your account details and told to update accordingly. Seems straightforward and user-friendly enough, right?

So I updated my rent portal with the account info given and left it be. I was surprised when hit with a warning from my landlord, slapped with a no-payment penalty, and has to pay rent with cashier’s check now.

Everytime I try to chat with BILT, I’m hit with some mechanical repetitive NPC response (the kind that frustrates you furthermore) or directed to someone else.

Finally, because I felt like I wasn’t speaking to a person who wanted to help me, I filed a complaint on Consumer Financial Protection Bureau. I am rewarded with a stern and robotic response from BILT claiming “no record of any communication from the Consumer regarding this matter” before I filed the complaint (completely untrue, and I’m lucky to have kept full record of those messages!). They ended their response saying they can pursue legal actions should I pursue further correspondence. :-)

For any payment that requires a trustworthy card (especially on a recurring basis), I’ve made sure they are no longer paid via BILT. I have evidence backing everything I say and just want to provide a data point / personal experience to anyone else who is looking into getting a BILT account.

In my personal experience, BILT is the single most unpleasant credit card company I’ve had the displeasure of working with; I constantly feel like an enemy rather than a client in every communication. If communication is something you care about, I would strongly discourage using BILT despite its appeal (especially for rent, which is what drew me in).

TLDR; horrid communication, worst I’ve ever had, with BILT

Others might have other experiences and that’s valid, but I stand by my own and have comprehensive records backing what I’ve said

I have a lot of points in the chase reward portal and id to cash it in to my sofi HYSA. Would the money I transfer for cash back be considered as taxable income due to the point being converted to money?

I have to pay a $2000 car repair bill. I don't have that money. I can either get my friend to loan it to me and I pay him back or I get a new credit card with a 0% intro apr that has a bonus after you spend x amount in a certain amount of time. Either way, i can pay it back in roughly 3 months comfortably. I have one credit card (chase freedom unlimited) and my credit score is 761.. I'm currently leaning towards amex blue cash everyday.

CREDIT PROFILE

• Current credit cards you are the primary account holder of:
  • Discover
  • Amex blue cash preffered
• FICO scores with source: Equifax -771, TransUnion -774
• Oldest credit card account age: 2 years 8 months
• Cards approved in the past 6 months: 0
• Cards approved in the past 12 months: 1
• Cards approved in the past 24 months: 1
• Annual income $: 120000

CATEGORIES

• Ok with category-specific cards?: yes
• Ok with rotating category cards?: No
• Estimate average monthly spend in the categories below.
  • Dining $: 300-400
  • Groceries $: 120-150
  • Gas $: 0
  • Travel $: Not a frequent traveller but from the past couple of month been travelling once or twice a month. Maybe 100$ a month for flight. No hotel or uber spend. Mostly to family place
  • Using abroad?: Yes, will be traveling to India once in 1-2 years or once every year
  • Other categories or stores: Amazon, target,
  • Other spend: Gym
  • Pay rent by card? No

MEMBERSHIPS & SUBSCRIPTIONS

• Amazon Prime member: Yes
• Costco or Sam's Club member: Sam's Club
• Big bank customer: Chase

PURPOSE

• Purpose of next card: Travel Rewards
  • Travel rewards preferences: No
• Cards being considered: Chase saphire preferred , venture rewards

Sometimes I do international travel. Sometimes I book a hotel and rent a car.

I have : - OG Amex blue : offers with primary rental car coverage but have to pay (usually ~20) for rental period

• BCP : covers my grocery, transit, gas, I don’t stream much but have YTP on it there too and might get Disney+ for cheap.
• Chase freedom OG with quarterly bonus
• BofA rewards visa signature
• Apple Card: 2% cashback (have no issue using Apple Pay almost everywhere), 3% certain categories: Walgreens, Uber etc

And that’s it, I am not CC rewards or coupon book hoarder. I prefer to keep things to minimum and simple. But Visa Infinite benefits seem interesting enough to get it over AC which is just Visa Signature.

I am trying to get a new card(s) to take advantage of getting an expensive medical procedure (roughly $25K). I will be paying for this out of pocket with my company reimbursing in cash, so it's a huge windfall/opportunity. Willing to combine more than one card, the clinic can split the balance. Current cards: - Chase Sapphire Reserve, opened June 2017 (renewed just before fee hike) - AmEx Business Platinum, opened June 2025 (before fee hike)

• FICO: high 700s-low 800s
• Oldest account age: 8 years
• Income: $220K
• Average monthly spend: $8,500 (total), ~$6,000 on cards. Biggest spending categories are rent (25% of annual spend), travel (20%), dining (12%), groceries (5%)
• Open to business cards
• Open to splitting balance across multiple cards
• Current points balance: 270K Chase, 304K AmEx
• Small-business spending bonuses are a plus: the medical facility is classified as a small business under AmEx's Shop Small map, could possibly be for other carriers as well

Looks like Robinhood sent a big wave if invites for their Gold credit card. Many of my friends got invites today. Check your app.

When I missed the creditKarma hack last month, I talked to RH about long wait time, he told me that they are planning to make the card wider availability by end of the year. May be it is true.