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Post by cadoodlebug on May 22, 2016 0:28:18 GMT
We got ours in the mail today ready to be used June 2oth. Good-bye American Express, it's been swell.  |
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Post by lucyg on May 22, 2016 0:43:45 GMT
Not me, not yet. BUT my USAA MasterCard just got replaced by a Visa card, out of the blue. So now maybe I don't need the new one after all.  |
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Post by cadoodlebug on May 22, 2016 0:46:31 GMT
Not me, not yet. BUT my USAA MasterCard just got replaced by a Visa card, out of the blue. So now maybe I don't need the new one after all. Well, the new one is your Costco card too ~ with your lovely picture on it. I guess you have to look at the perks for both cards and see which one gives you more bang for your buck. I like the 4% reward for all gas purchases with our Costco one. |
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Post by lucyg on May 22, 2016 0:50:18 GMT
That's true. Rewards! I love my Costco rewards. |
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seaexplore
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Apr 25, 2015 23:57:30 GMT
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Post by seaexplore on May 22, 2016 1:05:55 GMT
We got ours the other day. I'm going to move all my auto bill things to it. |
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Post by meridon on May 22, 2016 1:06:04 GMT
I'm so excited that I can use Visa at Costco now!! (or will be able to shortly)...my Visa is linked with my kids' 529, so I get 2% every 3 months put into their college savings. It's like free money, so I try to use that card as often as possible.
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Post by JustKim on May 22, 2016 2:19:29 GMT
Did they automatically send it or did you apply for it?
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Post by crazy4scraps on May 22, 2016 2:35:50 GMT
Did they automatically send it or did you apply for it? They should automatically send it. |
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Post by chaosisapony on May 22, 2016 5:06:04 GMT
Every time I scroll by this thread I read it as "Costa Vida cards". Can you tell I'm hungry?
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Post by turangaleela on May 22, 2016 13:32:48 GMT
Not me, not yet. BUT my USAA MasterCard just got replaced by a Visa card, out of the blue. So now maybe I don't need the new one after all. Same here with the USAA card. Changing over the AutoPays, ugh. |
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Deleted
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Jun 3, 2024 1:02:14 GMT
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Post by Deleted on May 22, 2016 14:18:23 GMT
I'm so excited that I can use Visa at Costco now!! (or will be able to shortly)...my Visa is linked with my kids' 529, so I get 2% every 3 months put into their college savings. It's like free money, so I try to use that card as often as possible. Can you tell me more about this plan/card? I would love to get more money for my kids college funds. Thanks! |
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Deleted
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Jun 3, 2024 1:02:14 GMT
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Post by Deleted on May 22, 2016 15:45:42 GMT
The interest rate is higher than the AmEx and Citi won't let you cancel it - you have to physically take it into Costco and get converted back to the old style membership card. Can you tell I'm not happy about the switch? Yeah, we're probably going to break up with Costco. Buh bye. And your little dog, Citi Visa, too!   Oh, and I didn't answer the original question: no, it hasn't arrived yet. |
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seaexplore
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Apr 25, 2015 23:57:30 GMT
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Post by seaexplore on May 22, 2016 16:03:18 GMT
The interest rate is higher than the AmEx and Citi won't let you cancel it - you have to physically take it into Costco and get converted back to the old style membership card. Can you tell I'm not happy about the switch? Yeah, we're probably going to break up with Costco. Buh bye. And your little dog, Citi Visa, too! Oh, and I didn't answer the original question: no, it hasn't arrived yet. If you pay it off every month (we do) the interest rate doesn't matter. |
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Post by cadoodlebug on May 22, 2016 16:11:20 GMT
The interest rate is higher than the AmEx and Citi won't let you cancel it - you have to physically take it into Costco and get converted back to the old style membership card. Can you tell I'm not happy about the switch? Yeah, we're probably going to break up with Costco. Buh bye. And your little dog, Citi Visa, too! Oh, and I didn't answer the original question: no, it hasn't arrived yet. If you pay it off every month (we do) the interest rate doesn't matter.  I can see where it wouldn't be a good fit if you don't pay it off every month but if you do, the perks are excellent. |
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Deleted
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Jun 3, 2024 1:02:14 GMT
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Post by Deleted on May 22, 2016 16:30:45 GMT
The interest rate is higher than the AmEx and Citi won't let you cancel it - you have to physically take it into Costco and get converted back to the old style membership card. Can you tell I'm not happy about the switch? Yeah, we're probably going to break up with Costco. Buh bye. And your little dog, Citi Visa, too! Oh, and I didn't answer the original question: no, it hasn't arrived yet. If you pay it off every month (we do) the interest rate doesn't matter. I suppose that is true, but I don't keep any cards with high rates or fees unless I get something really good for the exchange, like airmiles or something. And the card I have that does earn miles is no fee and low interest. But, it's the principal of the thing. |
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Post by cadoodlebug on May 22, 2016 16:52:56 GMT
If you pay it off every month (we do) the interest rate doesn't matter. I suppose that is true, but I don't keep any cards with high rates or fees unless I get something really good for the exchange, like airmiles or something. And the card I have that does earn miles is no fee and low interest. But, it's the principal of the thing. Not to split hairs but, to me, 4% cash back on gas purchases, 3% cash back on restaurant and travel purchases, 2% cash back on Costco purchases and 1% cash back on all other purchases sounds pretty sweet. |
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seaexplore
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Apr 25, 2015 23:57:30 GMT
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Post by seaexplore on May 22, 2016 19:09:15 GMT
I suppose that is true, but I don't keep any cards with high rates or fees unless I get something really good for the exchange, like airmiles or something. And the card I have that does earn miles is no fee and low interest. But, it's the principal of the thing. Not to split hairs but, to me, 4% cash back on gas purchases, 3% cash back on restaurant and travel purchases, 2% cash back on Costco purchases and 1% cash back on all other purchases sounds pretty sweet. Yep. I'm retiring my REI credit card with 1% back. Easier to pay one less bill each month too! |
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Post by catmom on May 22, 2016 19:18:17 GMT
I suppose that is true, but I don't keep any cards with high rates or fees unless I get something really good for the exchange, like airmiles or something. And the card I have that does earn miles is no fee and low interest. But, it's the principal of the thing. Not to split hairs but, to me, 4% cash back on gas purchases, 3% cash back on restaurant and travel purchases, 2% cash back on Costco purchases and 1% cash back on all other purchases sounds pretty sweet. I don't know. Gas purchase is maybe $200/month, restaurant and travel also a few hundred max. Unless you're a huge Costco user most of your monthly spending is actually at 1% which is actually pretty poor. I think maybe if you travel a ton for work, an on the road salesperson kind of situation, then it may pay off. Otherwise I would say there's better reward cards out there. |
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Post by cadoodlebug on May 22, 2016 19:20:27 GMT
Not to split hairs but, to me, 4% cash back on gas purchases, 3% cash back on restaurant and travel purchases, 2% cash back on Costco purchases and 1% cash back on all other purchases sounds pretty sweet. I don't know. Gas purchase is maybe $200/month, restaurant and travel also a few hundred max. Unless you're a huge Costco user most of your monthly spending is actually at 1% which is actually pretty poor. I think maybe if you travel a ton for work, an on the road salesperson kind of situation, then it may pay off. Otherwise I would say there's better reward cards out there.I agree. I only use my Costco credit card for gas and travel. Everything else (the 1% part) goes on our CaptialOne Venture Card. |
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Post by papersilly on May 22, 2016 19:20:52 GMT
Yup, got them last week. We got a different kind of AMEX months ago so we will still have one on hand for their stuff.
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seaexplore
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Apr 25, 2015 23:57:30 GMT
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Post by seaexplore on May 22, 2016 19:23:30 GMT
Do we need to cancel our Amex cards when we start using our visa? I don't want to keep it open.
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Deleted
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Post by Deleted on May 22, 2016 19:33:07 GMT
Oh, you know, I skipped the gas part - you're right, 4% would be big there. I don't buy gas, so I didn't pay attention to that.
I am pretty loyal to AmEx and it's a long, boring story why, but 4% for something I bought frequently, yeah...that might convince me. A card that paid 4% on groceries could charge any interest they wanted and I'd stand in line for it!
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Post by cadoodlebug on May 22, 2016 19:35:00 GMT
Do we need to cancel our Amex cards when we start using our visa? I don't want to keep it open. If they are Costco issued Am Exp cards, they will automatically become invalid on June 20th. You should have been getting letters from them. We've gotten a ton. |
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seaexplore
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Post by seaexplore on May 22, 2016 19:51:39 GMT
Do we need to cancel our Amex cards when we start using our visa? I don't want to keep it open. If they are Costco issued Am Exp cards, they will automatically become invalid on June 20th. You should have been getting letters from them. We've gotten a ton. Perfect. DH gets all the Costco mail since it's his business account we use. Just don't want an open account hanging out there I don't know about or use. |
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Post by Mary_K on May 22, 2016 20:45:21 GMT
I suppose that is true, but I don't keep any cards with high rates or fees unless I get something really good for the exchange, like airmiles or something. And the card I have that does earn miles is no fee and low interest. But, it's the principal of the thing. Not to split hairs but, to me, 4% cash back on gas purchases, 3% cash back on restaurant and travel purchases, 2% cash back on Costco purchases and 1% cash back on all other purchases sounds pretty sweet. EXACTLY! I love the 4% on gas & 3% on restaurants. BUT, I pay balance in full every month. Mary K |
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Post by crazy4scraps on May 23, 2016 4:19:48 GMT
Not to split hairs but, to me, 4% cash back on gas purchases, 3% cash back on restaurant and travel purchases, 2% cash back on Costco purchases and 1% cash back on all other purchases sounds pretty sweet. EXACTLY! I love the 4% on gas & 3% on restaurants. BUT, I pay balance in full every month. Mary K We try to buy as much of the stuff we normally would buy elsewhere at Costco, use the Costco credit card and cash in on both the credit card reward AND the executive membership rebates. We also pay it off every month so the interest rate is irrelevant. Last year alone between the two we got about $400 back just for buying the stuff we would be buying anyway. |
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I can see where it wouldn't be a good fit if you don't pay it off every month but if you do, the perks are excellent.
