I dont travel a lot. Mostly eat out or get groceries and bills. Goal: mainly trying to optimize rewards and build credit I already have the basic preferred rewards bofa, chase freedom. Any other suggestions?
Chase Sapphire Reserve pairs nicely with the Freedom for a good travel card. Good for eating out, Freedom is better for groceries and bills if you’re using a CC for bills and then you can transfer the points from Freedom to CSR
Is it worthed to go for csr if I dont travel?
Honestly no, maybe the CSP is worth it though, especially if you think you’ll occasionally have splurge flights even if it’s like once every two years. CSR wasn’t a great recommendation on my end due to its cost, I think I was looking at too many different things at once and got mixed up on the whole travel bit.
Sofi 2% cashback unlimited
Take Capital one savour one master card - 3% cash back for dining, groceries, streaming services and entertainment (Movies and concert tickets) No annual fee and no foreign transaction fee also zero apr for 15 months and 200$ bonus as well. DM me if you need a referral https://www.capitalone.com/credit-cards/savorone-dining-rewards/
Chase Sapphire reserve, 5% cash back (it's on rotating category)
Citi Custom Cash for the 5% categorical spend, up to 500 per month. Wells Fargo for the 2% all cash back. You’ll likely earn more from frequent welcome bonuses generally than maximizing the highest cash back card. But these two cards are solid and no fee
If you’re really out to optimize rewards then you could get specific credit cards for Amazon, Target etc. Personally though I use citi doublecash (2%) for most things, I’m allergic to having too many credit cards lol.
Free chase ones, discover, Bank of America. These will give you 5% on a lot of categories year round
Freedom unlimited > freedom
> Freedom flex?
Yes! Unlimited is the best one among the freedom options
X1 card. No fees and 3% points on all purchases. They also have great features lik virtual cards.
How are they about dealing with fraudulent transactions / security?
No fraudulent transactions yet.
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Apple Card - 2% cashback on all purchases through Apple Pay
Not very versatile of a card. WF is 2% and gives a $200 bonus. There’s Citi double cash and Fidelity 2% as well.