The Citi Custom Cash is 5% for $500 a month on groceries if you so choose. If all you're using it for is grocery stores that Amex might not be worth it for that extra 1% after the annual fee.
Credit Card Discussion Thread
- Thread starter Blackout
- Start date
Adebisi_Said
Truth is Power
True but they also offer 3% cashback on Transit and Gas.
Other free cards have that. That Amex is my most used card but between having the Chase Freedom, Discover It, and Citi Custom Cash I'm funding it harder to justify.
I still use the 6% back on streaming and it gets me the Disney+ bundle for $7.99 so I haven't bushed it for the Blue Cash Everyday but I'm close.
Thinking of turning my Citi Double Cash into a grocery dedicated 2nd Custom Cash via a product change since you can have multiple that way and I have the X1 and Fidelity that get me 2% CB.
DamienWayne
Superstar
i just want some good metal CC
just copped all the cards I wanted paid my other cards off
Got the AMEX gold, blue cash preferred, and just got the amazon prime visa for 5% on amazon
gonna get the amex for the bonus then probably going blue cash for grocery spend after that
Got the AMEX gold, blue cash preferred, and just got the amazon prime visa for 5% on amazon
gonna get the amex for the bonus then probably going blue cash for grocery spend after that
JetFueledThoughts
Superstar
I have an AMEX Reserve, Gold and Platinum all acquired over time over the last 5-6 years. Balances on all are 0’d out, Feels dumb to have 3 cards and pay 3 separate annual fees. If I cancel the one w/ the lowest credit line (Platinum) would it affect my credit score negatively? If so I imagine only temporarily?
You'll keep the payment history (for 10 years I think), charge cards don't normally count against score so there should be little if any change there.
I would product change those to the Blue Cash Everyday and Cash Magnet cards. No annual fees and preserves the accounts.
The Blue Crash Everyday has 3% cash back on online purchases and in grocery stores. That Cash Magnet is 1.5% on everything.
went thru the same, I always wanted platinum but dont travel enough to justify the rewards for the 700 annual fee
Doesn't show anymore, but a year and half ago, I had shyt credit. It was down to 469.
I had like 3 different accounts that were in collections. I was going wait them out for the 7 year mark, but I said fukk and started paying them down.
The thought of paying 7k in collections killed me at the time, but it got easier when I started making more. Matter of fact I had already paid everything off, by the time I started really making money.
I had like 3 different accounts that were in collections. I was going wait them out for the 7 year mark, but I said fukk and started paying them down.
The thought of paying 7k in collections killed me at the time, but it got easier when I started making more. Matter of fact I had already paid everything off, by the time I started really making money.
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