/biz/ - Business & Finance

>>12501879
capital one venture

i have a secured credit card tied to a $500 CD; i use the same credit union for this as my checking and savings account.

I have never had an actual credit card but should probably get around to acquiring one.

For me so far:

Capital One Savor for 4% on dining/bars/entertainment and 2% on groceries

Chase Sapphire Reserve for traveling

Chase Freedom Unlimited for 1.5% on everything else

Centurion, Amex Plat, Chase Reserve, a few others

>>12502173
How much do you pay per year in CC annual fees? How much do you travel? Do you really think having 3 travel cards is necessary?

>>12502233
I will cut them down as the year progresses, I pay thousands in fees but get travel credits and other perks that kinda pay for the cards (except black card)

I travel a ton

>>12501879
Debit card, drivers license, and business cards.

Just a Discover IT card that I put about 3k a month on between business and personal expenses.

When I was 23 I applied to many cards and got rejected on all of them for not having any (((credit history))). Discover gladly accepted me with no strings attach and I've been very happy with them. I get offers for other shitcards all the time now and I throw them straight in the trash.

Even bought some Discover stock which has performed decently and I still think is undervalued.

>>12502173
>>12502233
He has claimed this in multiple threads and never ever posted proof. You're getting memed by a zoomer, anon.

RBC Cash Back, 10k.

barclays premium card for high earners

>>12502342
I was just curious since I'm building up credit myself, not sure why someone would lie about what credit cards they have on the internet

>>12502173
centurian is hot garbage. amex is long dead.

you are clearly bsing, as everyone who had a centurian dropped it years ago as its shite.

Isn't the amazon card a amazing deal?

>>12502416
I dont know why either, but he does. Credit cards arent exactly rare. Mental illness I guess.

No posting in this thread if you don't own an American Express card with at least a $10k credit line.

>>12502457
He lies to us but he's likely too scared to lie to the bank and actually get those cards.

>>12502449
Not really, it's only good if you order everything you buy from Amazon. It's 5% back on Amazon/Whole Foods, 2% at restaurants/gas, and 1% everything else

I don't go to whole foods and don't shop at Amazon that much, so it's not really worth it for me. Plus the signup bonus is only a $70 credit for Amazon, not that great.

>>12502468
Is a 10k limit really that high? I'm genuinely asking. I don't have any Amex personal cards (just a corporate card for work) but my Chase Sapphire has a 14k limit

>>12502342
>>12502416
>>12502457
Whoops

>>12502468
How about unlimited credit? Makes it easier

>>12502613
Patrician Goyard holder

>>12501879
Amex everyday and a regular card through my bank. $9500 combined credit.

A couple debit cards denominated in different currencies and cash.
>inb4 how to spot yurofag

Two debit cards, one for each of my expense accounts. No credit cards. About $120 cash.

>>12501879
>Bank of America Preferred Rewards Program

Since I have >100K in my Merrill Edge account, I get a 75% rewards boost. This translates to 2.65% cash back on ALL purchases, 5.25% on gas, 3.5% on groceries. Not only that, but I get 100 free Stock/ETF trades per month, unlimited no-fee ATM withdrawals (at non-BOA ATMs), $600 discount on mortgage origination fees, 0.50% discount on auto loans, access to Merrill Edge Marketpro, monthly maintenance fees waives on up to 4 checking/savings accounts.

The only problem is that these Jews still charge you for purchasing/selling bonds, so I do all my secondary market bond sales on Charles Schwab when I need to sell t-bills that I bought from Treasury Direct.

>>12502846
Strong program, love it myself

>>12502846
>Banking with BOA

>>12502613
Whoops what? You've posted the same stale larp in hundreds of threads, you're definitely sick enough to make fake cards.

>>12502613
faggots btfo by based oldfag yet again

>>12502613

Bank Norwegian credit card here

>>12503092
Always keeping it real

>>12503105
Based Global Entry, don't you love short lines?

>>12503105
That wallet is fugly

>>12503105
107? or real pilots license?

Citi doublecash, 2% back on everything. 0 annual fee. All my auto pay bills and things that don't fall into specific other card categories go here

Propel amex. 3% on gas, dining, travel. 0 annual fee

Amex blue cash preferred 6% on groceries, 3% department stores
95$ annual fee.

Chase freedom, 5% rotating. 0 annual fee

Discover it, 5% rotating. 0 annual fee.

>>12502976
>2.65% cash back is a great deal.

Needing 100k in the bank with them is the problem.
If you have the need to hold that much cash (or want to use Merrill Edge) it's a pretty good deal.

Unless you have millions in other investments, why would you keep 100K just laying around making nothing?

>>12503238
What is 107?
I’m a FO for an airlines

>>12503368
wut, you can keep investments at Merrill to qualify for Preferred Rewards at BOA

>>12503415
Oh thank you, I misread. I was under the impression this was just a checking account.

>>12503387
Commercial Drone License, I have one

>>12502846
If you spend $10,000 on your credit card in a year, this is a $65 gain over a standard 2% card. Imagine being cucked for $65.

>>12503423
You got it, it's actually great if people have 100k in index funds and keep like $2000 in checking, able to get the cash back in your brokerage if you want

Anyone here do any rewards churning?

>>12502173
Reminder that this larping faggot bragged that him and his ‘rich friends’ sold near the bottom of Link only to watch it moon a few months later.

>24 years old college grad
>Work 3 part time jobs, will get a full time job soon
>3 student loans, all in good standing
>one disputed $500 medical bill that insurance never paid and was sent to a collections agency
>denied for every credit card I try to apply for (the ones without annual fees)


I just want to build my credit; I have $20,000 in my bank. What do?

All I carry is my license and credit card which I just stick in my phone case, i don’t really see why anyone needs a wallet