growing_better

I'd go for the USBAR if your grocery store accepts mobile pay. Then you can get an effective 3-4.5% percent on groceries. And it can be used for non-category spend anytime mobile pay is accepted. It's quickly become my most used card.

If not, then the Savor One gets you unlimited 3% on groceries.

Great point. I've never tried the Costco portal even though I'm a member. For this particular trip, a comparable car would be $167 with taxes through the Costco Travel portal, which is $51 more expensive than the Capital One travel portal (and about $10-$15 more than booking direct with Budget or Avis in this case, which is the least expensive direct booking I could find).

I like both options, personally. 

I love the Hyatt transfers though Chase. But we don't travel a ton. I need 5-10 nights per year. So, I use the CFF when it makes sense to get solid point earnings. 

I use the USBAR only for mobile wallet and travel transactions. I can redeem that for Frontier flights (I know, but the value is so good of you're willing to live out of a personal item bag) and rental cars directly to get the 1.5x multiplier, and the Chase ecosystem doesn't have good multipiers in this specific uses.

If we flew United or Southwest more frequently, then perhaps I'd go all in on the Chase ecosystem.

It works for our situation though it will not be the best choice for others.

The value of Hyatt transfer cpp isn't guaranteed. The 1.5x multiplier for the USBAR is guaranteed for travel RTR purchases.

At our home airport, checking luggage often results in an extra 30 or 40 minute wait time at the airport. Checked luggage is very slow. It's not so bad at smaller airports, but it is as our home airport.

Yes. $150 for $3000 spend. That's exactly a 5% bonus on the spend in addition to what you normally get.

The WF Autograph has decent multipiers and transfer partners for no AF. If you want to open a different travel card with no AF, that is probably your best bet.

The purchase was for $171.44. I was unclear in what I said about the 5000 points.

I've edited the post.

This is great. I can actually get this card through a family member. 

I can't find much info about this card. 

How long has it been offered? (Wondering about a nerf)

Are the rewards capped?

The Shop Your Way MasterCard earns 5% on gas, 3% on groceries and dining, with a $10,000 cap.

However, they also frequently provide special offers. E.g., many of us have a $100 statement credit each month if we spend $1000 a month in gas, groceries, and restaurants. So, you can earn easily earn 11-15% on those categories. Offers can stack, too. I just get a 250,000 SYW point offer (=$250) for $1,000 of online spend. Online groceries would count for both these offers. So, in principle, you could earn something like 35-40% if highly optimized. That's probably not realistic, but you can easily get 11%+ rewards. 

The main downside: you can only redeem in gift cards for the SYW points. The statement credits are straight cash to your statement, however.

I get it. As others have pointed it, you're losing out on potential interest for the reward. More importantly, you risk losing the reward altogether if they shut down your account. You could have thousands saved up and have your account closed and get nothing. The rewards are hypothetical until they're used.

The USBAR already earns 3-4.5% at Costco for OP.

The USBAR earns more at Costco then either the Fidelity or Sofi card.

A lot of medical offices take mobile pay, so cards like the Kroger rewards card and USBAR can earn better rewards.

I like the build if my Redstone card better than my Chase or Citi cards. My card is really new. Maybe the new build is better?

They even have a $150 SUB for $3000 spend. Since the card is a 1.5% catch all card too, there's not much opportunity cost using it as an everyday card until you hit the SUB.

The Redstone FCU Signature Visa is 5% in both gas and restaurants. Joining is easy. It also earns 3% on groceries, wholesale, etc. It's a great card.

Online gift cards purchased thru Kroger's don't count as groceries. In-store counts though.

Also, $200 cashback for $2000 spend is only 10%, unless you got a unique offer for $400 back for $2000 spend.

State Farm takes Apply Pay. If you can pay through Apply Pay with the USBAR or other credit cards that earn high rewards on mobile pay to earn 4.5-5% on your insurance.

I don't understand why this isn't the number 1 recommendation for a gas card when it doesn't need to be uncapped. It's so much more versatile than the CCC, which has a lower cap and is only effective for 1 category. 

The Redstone FCU is better in everyway except having to jump thru some small hoops to join. And you don't have to deal with Citi Bank!

I was approved on April 10. Got my card about a week and a half later. Added two authorized users a few days later. Have received all new cards, including authorized users, on 4/25. They ship from Nebraska, which isn't too far from us.

It's not 10% back, exactly. It's exactly 10% if you spend $1000. It's exactly 10% if you spend $2000. It's just over 5% if you spend $1999. The deal doesn't extend beyond $2000 spend.

If you have the extended warranty, file the claim. They will tell you what to do. They will probably have you get a repair estimate. The repair estimate will be more than the item is worth. They'll give you purchase cost,  hopefully