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Forum » U brahs mirin my new credit card? Reps if you can show me better card rewards (srs)
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Thread: U brahs mirin my new credit card? Reps if you can show me better card rewards (srs)

post 1667988673 09-16-2022, 05:15 PM
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#1
  1. SouthDakotaBrah
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U brahs mirin my new credit card? Reps if you can show me better card rewards (srs)

Card on the left gets5.25% cashback on online purchases(anything with paypal, apple pay, websites, apps, so pretty much 80% of my purchases) and3.5%on groceries

Card on the right (my new one) gets3.5% back on travel and diningand here's the best part -2.63% back on every purchase(srs)

Also have my amazon card for 5% back at Amazon/Whole Foods

U brahs mirin???

post 1667988723 09-16-2022, 05:16 PM
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#2
  1. N0stradamus
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  1. N0stradamus
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I got the same card as well...

Nothing special, they give those out like it's Halloween candy....
Everything I post is satire.
Tricknology Grand Master.
post 1667988743 09-16-2022, 05:17 PM
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#3
  1. helpmee
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link me where you see 5.25%
3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings

2% cash back at grocery stores and wholesale clubs

1% cash back on all other purchases

You’ll earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%
**Black out tape over all laptop/cell phone cameras so gov cant spy on me fapping crew**
post 1667988773 09-16-2022, 05:18 PM
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#4
  1. ispy
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^this

and

adonbalivit.jpg

american express recently announced some kind of a big cashback program for one of its cards, but it was capped to a certain amount.
🟩🟩🟩🟩 I am Jack's complete lack of surprise. 🟩🟩🟩🟩
post 1667988823 09-16-2022, 05:19 PM
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#5
  1. Jacobcapra
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What are the fees and limit though. Means dick all that you get and extra couple hundred bucks back compared to other cards if the limit is low and you pay $100 or more each year for it
**Georgia Crew**
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**2018 Aesthetics Crew**

01/02/2018 - 202.2 lb.
Current - 181.4 lb. (1/23/18)
post 1667988863 09-16-2022, 05:20 PM
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#6
  1. SouthDakotaBrah
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Originally Posted By helpmee⏩
link me where you see 5.25%

3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings

2% cash back at grocery stores and wholesale clubs

1% cash back on all other purchases

You’ll earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%
gotta get on that preferred rewards time for 75% bonus rewards brah. That pushes 3% up to 5.25%, 2% to 3.5%, 1% to 1.75% (and the base 1.5% cashback on the black card to 2.63%)
post 1667988983 09-16-2022, 05:21 PM
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#7
  1. SouthDakotaBrah
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  1. SouthDakotaBrah
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Originally Posted By Jacobcapra⏩
What are the fees and limit though. Means dick all that you get and extra couple hundred bucks back compared to other cards if the limit is low and you pay $100 or more each year for it
$95 annual fee BUT I'm getting $500 sign-on bonus (for spending $3k) so it sort of pays for itself brah
post 1667989023 09-16-2022, 05:21 PM
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#8
  1. jesb7826
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I’ll be miring if it’s a 7 figure limit.
post 1667989103 09-16-2022, 05:22 PM
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#9
  1. SouthDakotaBrah
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  1. SouthDakotaBrah
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Originally Posted By imiscubb⏩
mirin hard asf!! is Bank of America the best mane??
I have been researching this on and off for several years (just to see if there's anything out there that can make me switch from BofA), and BigRangs on these forums agrees btw, that there aren't any cards on the market currently that can top the BofA cards in rewards (srs)
post 1667989433 09-16-2022, 05:28 PM
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#10
  1. GooBaaa
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Not mirin a credit card brah
post 1667989443 09-16-2022, 05:28 PM
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#11
  1. Jacobcapra
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  1. Jacobcapra
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Originally Posted By SouthDakotaBrah⏩
$95 annual fee BUT I'm getting $500 sign-on bonus (for spending $3k) so it sort of pays for itself brah
Yeah ot bad, I did that with my sapphire preferred. Cash back is just meh I think like 1% everything, 5x on travel through their program, 3x on dining and 2x on all other travel.

$600 bonus for spending like $4k in first month though with an additional $100 or something if you used it with their reward program. $22k limit which was more than enough at 25 but is getting a little problematic now.
Originally Posted By GooBaaa⏩
Not mirin a credit card brah
Enjoy not using an interest free loan from the bank each month with kick backs and rewards, and not having good credit utilization.
**Georgia Crew**
**Mechanical Engineering Crew**
**2018 Aesthetics Crew**

01/02/2018 - 202.2 lb.
Current - 181.4 lb. (1/23/18)
post 1667989843 09-16-2022, 05:39 PM
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#12
  1. iLLVibeBuzz
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most banks will offer you (free) hella good cards if you keep 5-10k+ in your chqing on the reg.... just sayin
post 1667989973 09-16-2022, 05:42 PM
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  1. miscallday12
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I mean... are u rly spending that much to reap any serious benefits from them?

Unless u have a large family to feed or a business, ur making a couple bucks more compared to any other CC.

BoA has chitty customer service with long wait times on phone if u ever need something. Also the UX sucks for online banking (unless they updated it since the last time i used it in 2019).

Chase is the GOAT for everyday normies imo.
post 1667990233 09-16-2022, 05:47 PM
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#14
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AMEX platinum crew checking in
Anti-Red Pill Crew
MGTOW is COPE

HTC

Degenerate Crew
post 1667990693 09-16-2022, 05:55 PM
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Originally Posted By SouthDakotaBrah⏩
Card on the left gets5.25% cashback on online purchases(anything with paypal, apple pay, websites, apps, so pretty much 80% of my purchases) and3.5%on groceries

Card on the right (my new one) gets3.5% back on travel and diningand here's the best part -2.63% back on every purchase(srs)

Also have my amazon card for 5% back at Amazon/Whole Foods

U brahs mirin???

I have the BofA premium rewards card because it's basically a free 2.63% cash back card (lol @ poors who don't have at least $100K in assets) after I use their credit to buy earlybird on Southwest.BofA's service sucks ass though men.

I'm thinking of shifting most of my spend to the Chase system (Sapphire Preferred and Chase Freedom Unlimited) because the wait time is less and I can transfer points to Hyatt, which is better value than 2.63% cash back.
post 1667991093 09-16-2022, 06:02 PM
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#16
  1. GooBaaa
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Originally Posted By Jacobcapra⏩
Yeah ot bad, I did that with my sapphire preferred. Cash back is just meh I think like 1% everything, 5x on travel through their program, 3x on dining and 2x on all other travel.

$600 bonus for spending like $4k in first month though with an additional $100 or something if you used it with their reward program. $22k limit which was more than enough at 25 but is getting a little problematic now.



Enjoy not using an interest free loan from the bank each month with kick backs and rewards, and not having good credit utilization.
I own everything outright and my business has zero debt

I have credit cards but I literally don’t use them
post 1667991523 09-16-2022, 06:09 PM
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#17
  1. SouthDakotaBrah
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Originally Posted By miscallday12⏩
I mean... are u rly spending that much to reap any serious benefits from them?

Unless u have a large family to feed or a business, ur making a couple bucks more compared to any other CC.

BoA has chitty customer service with long wait times on phone if u ever need something. Also the UX sucks for online banking (unless they updated it since the last time i used it in 2019).

Chase is the GOAT for everyday normies imo.
BoA offers free ATM usage worldwide as well (srs) I use that frequently, very useful

feels good receiving the best credit card rewards possible with zero ATM fees
Originally Posted By cjr169⏩
AMEX platinum crew checking in
poverty rewards (srs)
post 1667993623 09-16-2022, 06:50 PM
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#18
  1. Jacobcapra
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  1. Jacobcapra
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Originally Posted By GooBaaa⏩
I own everything outright and my business has zero debt

I have credit cards but I literally don’t use them
That’s awesome of course but still why not use them? It’s free money and simplifies your budget.
**Georgia Crew**
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01/02/2018 - 202.2 lb.
Current - 181.4 lb. (1/23/18)
post 1667993683 09-16-2022, 06:52 PM
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#19
  1. GooBaaa
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Originally Posted By Jacobcapra⏩
That’s awesome of course but still why not use them? It’s free money and simplifies your budget.
I had terrible cc in my early 20s, just won’t ever use them like that again

I use them sparingly
post 1667994133 09-16-2022, 07:00 PM
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#20
  1. iLLVibeBuzz
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Originally Posted By Jacobcapra⏩
That’s awesome of course but still why not use them? It’s free money and simplifies your budget.
free money?? LOL

brb high interest if not paid in full. even higher if not paid minimum.

if you wanna gamble on making sure you pay properly every month like a bank account budget good on you but most people cant and i rather use it more for rare costly purchases or emergency money.
post 1667994523 09-16-2022, 07:08 PM
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#21
  1. SouthDakotaBrah
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Originally Posted By iLLVibeBuzz⏩
free money?? LOL

brb high interest if not paid in full. even higher if not paid minimum.

if you wanna gamble on making sure you pay properly every month like a bank account budget good on you but most people cant and i rather use it more for rare costly purchases or emergency money.
just use autopay brah
post 1667995393 09-16-2022, 07:22 PM
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#22
  1. LinuxJon
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Is there an annual limit on those categories?

Also, I have you beat. I got 20x points on restaurants and small businesses on my Platinum this year. I'm at a million points thanks to that.
480s / 370b / 495d / 235 x 2 SOHP

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post 1667998693 09-16-2022, 08:14 PM
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#23
  1. Jacobcapra
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Originally Posted By iLLVibeBuzz⏩
free money?? LOL

brb high interest if not paid in full. even higher if not paid minimum.

if you wanna gamble on making sure you pay properly every month like a bank account budget good on you but most people cant and i rather use it more for rare costly purchases or emergency money.
If you've ever paid interest on a cc balance, you need to stop using cc's and get your budget in check. Never carry a balance you can't cover in full, and you'll never have to worry about that. Then yes, it's free money. interest free loan of a few thousand bucks every month, and you get perks and cash back.
**Georgia Crew**
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Current - 181.4 lb. (1/23/18)
post 1668011073 09-17-2022, 01:54 AM
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Originally Posted By LargePeter⏩
I'm sorry - am I mirin' someone who is using credit cards to get cash backs and credits?

No, I can afford to live very comfortably without that chit.
Why would you not? It is more economical to use the card and pay it in full.

1% cashback > 0% cashback
post 1668011343 09-17-2022, 02:18 AM
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#25
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Credit is a scam. srs
I loe e.
post 1668024063 09-17-2022, 10:30 AM
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#26
  1. SouthDakotaBrah
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Originally Posted By LinuxJon⏩
Is there an annual limit on those categories?

Also, I have you beat. I got 20x points on restaurants and small businesses on my Platinum this year. I'm at a million points thanks to that.
but what does 20x points even mean? (srs)

What % return is that?

my mind would be boggled if someone actually presented a detailed breakdown of a credit card better than BofA, but it just doesn't exist as far as I'm aware (100% srs)
post 1668041323 09-17-2022, 04:02 PM
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#27
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rich people don't give a chit about cashback rewards lol
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post 1668063073 09-18-2022, 01:57 AM
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#28
  1. LinuxJon
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Originally Posted By SouthDakotaBrah⏩
but what does 20x points even mean? (srs)

What % return is that?

my mind would be boggled if someone actually presented a detailed breakdown of a credit card better than BofA, but it just doesn't exist as far as I'm aware (100% srs)
20 points per dollar spent. A point is worth (on average) one cent in redemption. So I effectively had 20% cash back from small businesses or restaurants for most of the year. I banked around 500k points from that promo alone.
480s / 370b / 495d / 235 x 2 SOHP

Trump 2020
DeSantis 2024
Catbrah 2032

Misc Firearms Crew
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Will sell wife's foot pics for watch/gun money crew
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