Schwab Invest Visa? 2% cash back on everything? [Discontinued card]
Sep 7, 2011, 6:24 pm
#1051
Join Date: Mar 2007
Location: CLE
Programs: UA Gold, HH Diamond, Marriott Gold
Posts: 3,662
I guess at this point the best option is to switch from my Capital One Venture to the no fee one. It's 1.25 % back on travel (assuming it works the way the Venture card works) and no for ex.
Chase now has no forex, but I really like cash back.
I use my Hilton Amex for gas, groceries, etc. the stuff that gets the extra kick so having an extra kick for "everyday" purchases doesn't help me. And of course the Hilton cards have forex.
Schwab was the best card ever. So sorry it's gone.
Got a first letter but not a second.
Chase now has no forex, but I really like cash back.
I use my Hilton Amex for gas, groceries, etc. the stuff that gets the extra kick so having an extra kick for "everyday" purchases doesn't help me. And of course the Hilton cards have forex.
Schwab was the best card ever. So sorry it's gone.
Got a first letter but not a second.
Sep 8, 2011, 12:21 am
#1053
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,762
. Seems I have been "upgraded" to BankAmerica Cash Rewards" Credit card....This card is heavily advertised on BofA website as well as at the branch, with $100 sign up bonus for X amount spend within Y months. Every time I go to BofA site, I see this card on the first page. Every time I logged out, it is AS card. (the 25K not the 40K available earlier).
If you dont have other cards that offer higher than 3% gasoline, you could the card just for the gasoline and make BofA pays out the highest reward. lol.
Sep 8, 2011, 12:25 am
#1054
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,762
I guess at this point the best option is to switch from my Capital One Venture to the no fee one. It's 1.25 % back on travel (assuming it works the way the Venture card works) and no for ex.
Chase now has no forex, but I really like cash back.
I use my Hilton Amex for gas, groceries, etc. the stuff that gets the extra kick so having an extra kick for "everyday" purchases doesn't help me. And of course the Hilton cards have forex.
Schwab was the best card ever. So sorry it's gone.
Got a first letter but not a second.
Chase now has no forex, but I really like cash back.
I use my Hilton Amex for gas, groceries, etc. the stuff that gets the extra kick so having an extra kick for "everyday" purchases doesn't help me. And of course the Hilton cards have forex.
Schwab was the best card ever. So sorry it's gone.
Got a first letter but not a second.
As for the HHonor extra earnings on the gasoline and groceries - just keep in mind an HHonor point may worth just 0.005 or less even with the AXON redemption chart.
Sep 8, 2011, 3:54 am
#1055
Join Date: Apr 2005
Location: ATL
Posts: 802
I guess at this point the best option is to switch from my Capital One Venture to the no fee one. It's 1.25 % back on travel (assuming it works the way the Venture card works) and no for ex.
Chase now has no forex, but I really like cash back.
I use my Hilton Amex for gas, groceries, etc. the stuff that gets the extra kick so having an extra kick for "everyday" purchases doesn't help me. And of course the Hilton cards have forex.
Schwab was the best card ever. So sorry it's gone.
Got a first letter but not a second.
Chase now has no forex, but I really like cash back.
I use my Hilton Amex for gas, groceries, etc. the stuff that gets the extra kick so having an extra kick for "everyday" purchases doesn't help me. And of course the Hilton cards have forex.
Schwab was the best card ever. So sorry it's gone.
Got a first letter but not a second.
www.capitalonecash.com
Sep 8, 2011, 5:25 am
#1056
Original Member
Join Date: May 1998
Location: Tampa, FL
Programs: AAMM & PLT; UA Gold, DL Silver, Marriott LT Titanium Elite, Hilton Diamond, Hertz #1 Gold Club
Posts: 1,591
And cheated you $100 sign up bonus.
This card is heavily advertised on BofA website as well as at the branch, with $100 sign up bonus for X amount spend within Y months. Every time I go to BofA site, I see this card on the first page. Every time I logged out, it is AS card. (the 25K not the 40K available earlier).
If you dont have other cards that offer higher than 3% gasoline, you could the card just for the gasoline and make BofA pays out the highest reward. lol.
This card is heavily advertised on BofA website as well as at the branch, with $100 sign up bonus for X amount spend within Y months. Every time I go to BofA site, I see this card on the first page. Every time I logged out, it is AS card. (the 25K not the 40K available earlier).
If you dont have other cards that offer higher than 3% gasoline, you could the card just for the gasoline and make BofA pays out the highest reward. lol.
Sep 8, 2011, 7:25 am
#1057
Suspended
Join Date: Oct 2004
Location: Bay Area
Programs: DL SM, UA MP.
Posts: 12,729
What is the 3% transfer fee on the Capital One Cash card? Is the 50% annual bonus only given at the end of the year?
What is the forex fee on the Fidelity? Can you transfer the cash and access it from an ATM with no forex fees?
What is the forex fee on the Fidelity? Can you transfer the cash and access it from an ATM with no forex fees?
Sep 8, 2011, 8:24 am
#1058
Join Date: Jan 2005
Programs: UA GOLD MM,WN CP A+list, HH Gold,MR LT Titanium
Posts: 2,184
Does it have any mention of a forex fee or annual fee?
Sep 8, 2011, 9:06 am
#1059
Join Date: Jul 2007
Posts: 1,762
Sep 8, 2011, 9:13 am
#1060
Join Date: Mar 2007
Location: CLE
Programs: UA Gold, HH Diamond, Marriott Gold
Posts: 3,662
But the Venture card annual fee is not up yet - until next March the earliest I believe, since it was first introduced this March. Why not milk the Venture as long as possible?
As for the HHonor extra earnings on the gasoline and groceries - just keep in mind an HHonor point may worth just 0.005 or less even with the AXON redemption chart.
As for the HHonor extra earnings on the gasoline and groceries - just keep in mind an HHonor point may worth just 0.005 or less even with the AXON redemption chart.
I'm saving HHonor points for the Maldives, where the points are worth a lot if you can snag a reservation.
Sep 8, 2011, 9:31 am
#1061
Suspended
Join Date: Oct 2004
Location: Bay Area
Programs: DL SM, UA MP.
Posts: 12,729
I just called the Fidelity Amex apply number and they claimed there's no foreign exchange fees. If that is correct, then it would seem that's functionally equivalent to the Schwab card, since there are no annual fees, 2% rewards and no limits.
Of course it's an Amex instead of Visa and Fidelity may not reimburse your ATM fees or have an ATM without forex fees. The guy I talked to was at a card company so he couldn't tell me about the Fidelity account options.
This was at 866-598-4971
Anyone with this card find that it has no forex fees? The guy said there was a Visa which only had 1.5% cash back and 3% forex.
Of course it's an Amex instead of Visa and Fidelity may not reimburse your ATM fees or have an ATM without forex fees. The guy I talked to was at a card company so he couldn't tell me about the Fidelity account options.
This was at 866-598-4971
Anyone with this card find that it has no forex fees? The guy said there was a Visa which only had 1.5% cash back and 3% forex.
Sep 8, 2011, 10:23 am
#1062
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
The online application shows 1%:
https://www.applyonlinenow.com/USCCa...ntry?sc=UABIQI
American Express (1) converts charges made in foreign currencies to U.S. dollars using a rate selected on the business day prior to the day on which the charges are processed by American Express and (2) applies a 1% commission to the converted amount.
Sep 8, 2011, 11:13 am
#1063
Original Member
Join Date: May 1998
Location: Tampa, FL
Programs: AAMM & PLT; UA Gold, DL Silver, Marriott LT Titanium Elite, Hilton Diamond, Hertz #1 Gold Club
Posts: 1,591
Sep 8, 2011, 11:41 am
#1064
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,762
Why would you leave money on the table?
www.capitalonecash.com
www.capitalonecash.com
Some folks may consider $100 sign up bonus is not worth it when an additional inquiry may hurt their chances in getting other baniks' cards with far more lucrative sign up bonus.
Downgrading does not involve credit pull in other banks' practice though I am not sure how C1 operates in this department.