If you had to pick 5 cards to keep, what would they be?

SoonerSoldier33 wrote: ↑Mon May 09, 2022 3:37 pm

That Kohl's card must be quite valuable!

Yea, it really is to my family. I buy the vast majority of my clothes there, I buy almost all of my daughter's clothes there, and my wife, who previously wasn't much of a fan, has even started to find things she likes there in addition to items we'll occasionally get there for our home, toys, etc. Just for instance, our last shopping trip there to buy Spring/Summer clothes for all of us added up to $300 before any discounts/promotions. By being a Kohls card holder, I had a coupon for 25% off the entire purchase on top of items already on sale, another cardholder offer for $20 off a $100 purchase that stacks with the 25% off, and "Kohls Cash" from previous card rewards totaling $40, and ended up paying about $180 for what would have been a $300 purchase. Now, on the $180 I actually spent, we received $30 additional Kohls Cash ($10 for every $50 spent) for our next trip plus 7.5% card rewards. So, I ordered my daughter a few items online that weren't available in store for a total of about $40, and after I used my Kohls Cash and card rewards, I spent less than $5. Just like I wrote in my post about that card, if you shop there fairly regularly and learn how to maximize their coupons/promotions/rewards systems to your benefit, it can really save you a lot of money.

Saeren wrote: ↑Sun May 08, 2022 11:55 pm Is Disco that valuable for you? I honestly never use mine. The categories don't line up with my spend other than the grocery category and why would I switch to the Disco for a quarter when I'm already getting 5.5% from my Custom Cash?

Saeren wrote: ↑Sun May 08, 2022 3:50 am the NFCU Platinum card also has a $25K limit with a low 6.24% (soon 6.74% and likely 9.24% before the year is out which is still a great APR) which makes it an excellent emergency card plus if my needs ever change it can easily be PC'd to a More Rewards/Flagship/cashRewards,

• Targeted annual low or 0% APR, 0% BT fee for 12 months offer.
• Cash Advance is +2% on current APR.
• Cash Advance limit is 30% of your credt line.
• Potential $50K max limit through SP. E.g. If 5.99% APR with $50K limit, available 7.99% APR with $15K cash advance.

• Targeted annual 0% APR, 0% BT fee for 12 months offer.
• Cash Advance APR same as purchase APR. (?)
• Cash Advance limit is 100% of your credt line. (?)