2 posts were split to a new topic: Discover Savings signup bonuses $150/$15k $200/$20k
I completely agree that the initial signup bonus has lots of value, and in many cases a card with a bonus might not even be worth keeping afterwards. However, this thread was never about that. I think there should be a separate churning thread with all the best signup bonuses. Or just keep that info on reddit as they’ve done a pretty good job. I think I’ve even seen a spreadsheet with all the cards, bonuses, terms, etc, listed out, not sure if it was linked from reddit or DoC and I can’t find the link right now.
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I just remembered this site has a polling feature, so I’m gonna put it to the test. Please vote 
What should we do with the Hotels category?
- Leave it alone – it’s perfect!
- Remove hotel-specific cards – none of them can be “the best,” because each chain’s credit card offering is a monopoly.
- Split it into two categories: Travel (generic) and Hotel-specific.
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I think there’s value in keeping the Airline/Hotel/Store specific cards in the Wiki - at least at the bottom. The alternative would be to put them all in a separate thread, but I feel that would fracture the topic. For some people, focusing on Everything/category spend is going to be the best plan. Others will want to branch out to airline/hotel/store cards either for the pure rewards or other benefits of holding the cards.
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Thanks for posting TMSY. Seems it expired Oct 31.
[quote=“Argyll, post:69, topic:127, full:true”]PS I just noticed new cardholders can get $250 back for $1000 in purchases the first 3 months through the Refer Friends program (Referrer gets $75).
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That offer is on the regular Amex web site.
It’s definitely a public offer. InPrivate browser mode, on a computer I don’t use for personal data, through a hotspot that’s not related to my home IP address.
Ok, I’ll take your word for it. I checked multiple ways, also using private windows, and that specific offer is not shown anywhere to me unless I log-in. I can find a refer a friend page but that specific offer is not mentioned without logging in, which makes sense, because you have to be an Amex member already to use it.
These are what I see:
log in Blue Cash Everyday: $250 BCP upgrade offer.
log in Amex Everyday: $200 BCP welcome offer.
InPrivate: $250 BCP welcome offer.
I’m referring to a “Refer Friends” offer where the referrer (an existing Amex BCP holder) gets a $75 statement credit and the new applicant gets a $250 statement credit after $1000 purchasing in the first 3 months.
Do you see the offer where you get $75 for referring a new cardholder?
Has anybody used the US Bank Altitude card? I just started reading about it and they offer 3X rewards on mobile wallet services like Samsung, Android and Apple pay. When you redeem for travel, it essentially makes this a 4.5% card. I’m really curious to hear how people have gotten along trying to use mobile payments everywhere. Looks like Samsung phones have a special feature to mimic a magnetic card swipe at the terminal so you can even use it at a non-NFC terminal, but Apple and Android pays still require newer terminals with support.
I use Samsung pay all the time, but still only average about 20 transactions per month and they aren’t that large. My wife doesn’t care about having a fancy phone, so she doesn’t use mobile payments. She does the grocery shopping. If she did mobile payments at the grocery store (probably our largest in person credit card purchases), it might make sense to get this card, but as things stand now, I just wouldn’t get the benefit. Walmart, another place we usually have large in-person purchases, hasn’t allowed me to use Samsung Pay in a while - I assume because they have their proprietary Walmart Pay app. No idea if that app is included in the 3X for US Bank Altitude.
Samsung pay is included for sure (it’s listed on their FAQs). What you’re describing about Walmart is what confuses me. From what I’ve read, their phones create some sort of magnetic field that the card reader recognizes just like a card swipe. There is nothing that they should need to do to ‘allow’ you to use the app. Just hold phone up to card reader and “swipe”. Anyone else have experience with this?
Samsung Pay works exactly as advertised almost everywhere, however Walmart must have figured out some way to have disabled it on their terminals. In my experience, right around the time that Walmart pay was released, Samsung Pay stopped working at Walmart. You’re right that merchants don’t have to do anything to “allow” Samsung Pay, but there might be something that they can do to disable it. That’s what Walmart has done (at least that’s my hypothesis).
The app I was wondering about being included in the 3x bonus is the Walmart pay app. I would be surprised if it was included.
Samsung pay worked fine for me in Walmart. Used it multime times at self checkout ay both Walmart and sams club without any issues last week.
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Cool. I’ll have to try using it again, especially now with Chase Freedom earning 5% through March. Thanks for the heads up.
There are a number of posts in other forums about Samsung Pay’s magnetic stripe emulation not working when the card you have loaded is a chip card (which would be just about all of them by now).
Apparently some terminals are smart enough to realize the card you’re trying to fake swipe (using Samsung Pay’s magnetic stripe emulation) is chip capable and just pops up the message to insert the chip instead. The liability shift by the payment processors that drove cards to chip in the first place is to blame because a fake swipe via Samsung Pay appears no different to the terminal than a physical card swipe by a real or cloned card.
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USAA 2.5% Limitless Cashback Visa is now only available to residents of Louisiana. Hugely disappointing.
https://www.usaa.com/inet/wc/bank_cc_limitless_cashback_visa_signature?akredirect=true
I’m in luck. Anyone know what elusive (required) direct deposit to keep the card counts?