Thanks for info. I presume the .0265 cashback/reward has no limit, other than oneās credit line.
Yes, no limit for the 2.625% rebate. Around this time, I go through my credit line a few cycles per month to pay for the various taxes.
As 3c3 said, you can go through the credit limit multiple times in a cycle and youāll get rewards on the full spend.
Iād try for the AOD card if I was primarily interested in cash back as opposed to travel rewards. 3% back as a statement credit every month, no max as far as I am aware. You have to join the NE Alabama Bike Club and thereās some manual underwriting but if you arenāt LOL/24, datapoints on Reddit seem very promising towards approval.
still churning the Discover Miles. 1.5% CB now and doubled after 12 months. I hit the other 2 I had hard. Just need to wait out the 12 months. Canceled my Miles card 4 months ago 1 day after they doubled the CB. Applied online with the 100.00 referral via DOC and was approved for my 3rd miles card with the 3% plus 100.00 referral. They even give the 3% on Vanillagift 500.00 VGC. As long as you have a place to liquidate those cards.
Iām ready for my Citi DC $500+ check. Iāll admit that I hate these new Thank You points. Trying to get that cash check is harder than you folks said it would be.
So I followed the instructions and it still doesnāt work out for me. Trying late night for two times and Iām missing something. I meant to call 
today and get personal instructions but I forgot.
Why is everything changing? Citibank just doesnāt want to pay out cash. Iām going back again tomorrow with help from an agent and see if it works.
Anyone else try to get cash from those Thank You points?
I redeemed points as a direct deposit (it was not a Citi account) and it was deposited two days later.
While that may be true, it seems to me that if the IRS ever tries to construe cashback as income, you may prefer the points. 
For those of you with a Bank of America premium rewards credit card that charges a $95 annual fee, if you cannot use the travel benefits you can convert the card to the āunlimited cash rewardsā that gives the same 1.5% cash back on every purchase that can multiplied by 1.75 but does not have an annual fee. no travel benefits of course.
to convert you have to call them. I did that today and found out some things you should keep in mind. The converted card may not have the same account number as your premium rewards card. keep that in mind if you are using the card for auto pay.
You may also lose the current month rewards so it makes sense to do the conversion shortly after the end of the statement period when the rewards have been credited to your account and you can redeem them before conversion.
Thatās just the standard disclaimer. In practice, my account number was kept the same, and the rewards earned on the Premium card was redeemable as soon as the conversion was done, not having to wait until the next statement.
I believe your quote is accurate. I also believe that BoA, Chase, and a multitude of other institutions (financial and otherwise), will change their āin practiceā practices to do what is most economical / beneficial for them.
I cannot recall the most recent personal example, but only because my memory is no longer than my big toe. It probably involved PNC, but maybe TD.
I agree with the Goose. I had a lot of rewards accumulated since I paid taxes with the card so I was not willing to take the chance they would not transfer them to the new card.
As an avid MSer, I just realized something big on the Citi 2x cardā¦You can pay your bill via a VGC. Never read about this. Have not used the card much over the years butā¦Must do over the phone on an automated system. Now another ave has opened up. I buy the Meta VGC or Secure Spend cards at groceries with the 5% CB OBC card (no fee) or the 6% BCP card (95.00 fees and capped at 6k) Secure Spend can be liquidated at the post office but not metas from StopandShop. And meta VGC do not work at WM except for less than 99.00, a waste of time. So my son purchased a treadmill from Sole online for 2065. Used my 2x Citi. Paid with meta 500 VGC (4). So got 5 or 6% back on card and now 2% on Citi 2x card. Will use this Citi card much more now. Still have 2 Dividend cards from years agoā¦now have 5% at grocery this quarter. Anyone here do this already with the double cash?
Thereās a large thread about paying Citi cards with debit cards hereā¦ https://www.flyertalk.com/forum/manufactured-spending/1550209-paying-citi-cards-debit-cards-including-prepaid-debit-cards.html
Some cards work and some do not.
This is really old news ā please turn in your āavid MSerā card 
Wow. I did not know this. Thank you.
Stopped following FT ~10 years back when Mileage running stopped being a good use of my time.
Converted BCP ā BCE about a month ago and got most of the $95 annual fee back. Spent about $4500 on BCE in the past month. Just got an upgrade offer of $150 bonus + no annual fee for the first year. I was hoping for a higher offer because itās currently $350 + no annual fee for new application.
I have not done BCP ā BCE ā BCP conversions in the same year before, on the same card. This should work because the $6000 spending limit is reset with each conversion. Correct? I used to alternate the conversions between 2 BCP/BCE cards.
Sheesh! I feel like the red-headed, crippled, step-child. I converted BCP ā BCE 9 months ago, and have yet to get an upgrade offer.
Iām unsure as to whether it factors in, but we used BCP and BCE for groceries and fuel only.
Sadly, I canāt get an upgrade offer despite being incredibly young, slender, and good looking. 
Nope. The BCP $6000 limit was NOT reset, so I cannot get 6% for the rest of the calendar year.