jconwuem

10 Contributions 131 People Helped Top Contributor

Member Since: August 2012

Most Helpful Contribution

Starwood Preferred Guest® Credit Card from American Express

Jan 10, 2018
Good Filler/Catch All Card
Helpful to 39 out of 42 people

I use this card whenever American Express is accepted and I have random expenses that I cannot get better rewards for by using another card. They also have random convenient instant rebates I didn't know about until recently at places like Starbucks and Five Guys Burger though the offers are sporadic and unpredictable. Lastly I use this for group or business travel when Starwood properties are the apparent cost effective option.

Activity (10 Total Contributions)

Costco Anywhere Visa® Card by Citi

Jan 10, 2018
Favorite Annual-free Card
Helpful to 21 out of 21 people

An excellent gas card and great restaurant card. It is a shame they don't give more points back for Costco purchases buuuuuut they don't need to because the card is already awesome for the gas and restaurant portion alone. The best part for gas is that they actually give you gas rewards for Costco gas (seems like a given but this was not always the case back when Amex was running the show). The main improvement I would like to see is the food court purchases being given credit as a restaurant instead of as a regular Costco purchase, that would almost make this my favorite card free or paid.

Starwood Preferred Guest® Credit Card from American Express

Jan 10, 2018
Good Filler/Catch All Card
Helpful to 39 out of 42 people

I use this card whenever American Express is accepted and I have random expenses that I cannot get better rewards for by using another card. They also have random convenient instant rebates I didn't know about until recently at places like Starbucks and Five Guys Burger though the offers are sporadic and unpredictable. Lastly I use this for group or business travel when Starwood properties are the apparent cost effective option.

Chase Sapphire Reserve®

Jan 10, 2018
Best Card if you Travel at all
Helpful to 13 out of 13 people

Hands down the best card if you travel at all for any reason. It is leagues above the competition for its flexible redemptions ease of accumulating points. It is even better if you travel for work and get travel expenses reimbursed. For me it has honestly already paid for itself several times over since getting it in 2016. Cannot recommend this card enough. They even started the their referral program in Sept 2017 I believe. Again, totally worth it. Thank you credit card gods.

Capital One® QuicksilverOne® Cash Rewards Credit Card

Jan 10, 2018
Decent Card for Mid to Low Credit
Helpful to 18 out of 19 people

This was my second personal rewards credit card. I used it on anything my first rewards card (Southwest Premeir card - so basically anything except flights) didn't get rewards on. This made a good general purpose credit card especially because I didn't have good enough credit yet for a better card. It was really good for a starter card but obviously not better than the regular Quick Silver card. I applied for this after the Quick Silver card and I imagine I was approved because this was the paid version with less rewards. I am glad to have been able to use this to build my credit.

Chase Sapphire Reserve®

Sep 04, 2016
Helpful to 8 out of 8 people

Easily the best credit card of 2016. High consistent earning on dining and travel with a travel account credit of $300 annually. I received my card yesterday and had no problem earning toward the bonus 100k bonus. I received the plastic version I guess because they ran out of the metal version of the card, but they assured me that I will get a metal version as soon as it is available. At this point I am thoroughly pleased.

I was approved for $10k with a Equifax credit score of 681. That surprised me lol.

Ink Business Preferred℠ Credit Card

Jan 10, 2018
A Mere Shadow of the Ink Plus/Cash Cards
Helpful to 6 out of 6 people

An okay card with a great sign-up bonus and rewards program.

Chase Freedom®

Jan 10, 2018
Occasionally Great Value, occasionally.
Helpful to 13 out of 15 people

I got this card because of the 5%/ 5 points rewards on restaurants and wholesale store categories it had the year after Costco switched from American Express to VISA. Since then I believe I only used it for a ground transportation category and a gas category another time. I am currently using it for the digital payment category (Samsung/ Android/Apple/Chase Pay apps) but other than that it is mostly unused. Still a great card since it has no annual fee. I just wish I had more categories that pertained to my spending.

Ink Plus® Business Credit Card

Mar 03, 2018
Excellent Discontinued twin of Cash Card
Helpful to 1 out of 1 people

Excellent for business phone and internet expenses. Offce supplies also have a great rate. Too bad it was discontinued.

Chase Sapphire Preferred® Card

Jan 10, 2018
Helpful to 7 out of 12 people

An okay card with a really good reward program behind it. There are just too many other cards on this same level that are the same price or free making this card pretty much average. The sign-up bonus is excellent when they have promotions though.

U.S. Bank Cash+™ Visa Signature® Card

May 23, 2016
A Mere Shell of It's Former Glory
Helpful to 5 out of 11 people

I applied for this card for four reasons which were the 5% cash back on restaurants, 5% cash back on fast food, the $25 gift card everytime you redeemed $100 in cash rewards and the fact that there is no annual fee. Now two of the four reasons I chose this card are still active and that is the only reason I kept the card (no annual fee and 5% cash back on fast food). Honestly had it not been for the 5% on restaurant I wouldn't have applied for this card, but it was good while it lasted. Now it is a decent card every once in a while when I pay for an annual gym membership or intend to spend a lot of money on furniture. Other than that I use it to pay for my cellular phone or when I rarely have to settle for fast food (both of which get 5% cash back when the category is set). Overall it is a good card if you can bare to wait in a physical US Bank to do the application. I plan to keep the card unless they implement a annual fee, however I will not use it often.