Latest reviews

Reddit · r/CreditCards · 13 hours ago

A free upgrade from a green card to Platinum brought only so-so benefits, and the annual fee bill made it not worth keeping.

Reddit · r/ynab · yesterday

A decade-long devoted user who still does not understand some of the odd behaviours such as stealing from the future.

Reddit · r/Revolut · yesterday

Repeated promo notifications such as free Premium months, referral nudges and themed cards are annoying enough that they plan to leave once a decent alternative turns up.

Reddit · r/Revolut · yesterday

After a traditional bank closed their account without explanation, the Revolut account has caused no problems at all.

Reddit · r/Revolut · yesterday

Used day to day as a secondary account funded each payday, with separate pockets for different spending areas that work well for budgeting.

Reddit · r/Revolut · yesterday

About 1.6 years in as their first digital bank, they like that a flagged transaction only needs documents or a face scan rather than a blanket suspension. They also rate the cashback and savings rate above the competition they researched.

Reddit · r/Revolut · yesterday

Called the best banking product they have used, with plentiful cards, automations, insurance and travel perks plus an intuitive app. Trust is the sticking point, because of the many blocked-account stories they keep reading.

Reddit · r/Revolut · yesterday

A full-day outage in October locked up all funds, and the app has a habit of freezing accounts over transactions it wrongly flags as suspicious. The poster still stays because no other bank matches the automations that sort their money into pockets for bills and groceries.

Reddit · r/Revolut · yesterday

Uses the Metal plan while living abroad full time and gets enough value from it. They add that for someone living at home or traveling occasionally the free account is enough.

Reddit · r/CreditCards · 2 days ago

Uses it as their gas card, earning the boosted 6% in their chosen category during the first year.

Reddit · r/CreditCards · 2 days ago

Has done a weekly reconcile-and-pay routine in YNAB since 2022 for peace of mind after past card debt, but is now dropping it for a cheaper alternative and dislikes its renamed menus.

Reddit · r/CreditCards · 2 days ago

Used it for several years before moving to a different budgeting app, feeling YNAB had kept making things harder rather than easier.

Reddit · r/CreditCards · 2 days ago

Uses YNAB with linked accounts and finds it much easier than manual tracking. Calls it pricey but worth the reduced mental effort.

Reddit · r/Revolut · 2 days ago

After more than seven years on Revolut, they say trading worked fine during the previous week's crash but failed without any in-app notice during the rebound, and they are leaving over reliability.

Reddit · r/fidelityinvestments · 2 days ago

Opened the account after running into high ATM fees in South America and keeps it lightly funded from their brokerage account for that purpose.

Reddit · r/fidelityinvestments · 2 days ago

Calls it their first choice as a high-yield savings account, citing the interest rate, free checking, the debit card with ATM fee reimbursement and free bill pay.

Reddit · r/Revolut · 2 days ago

Is on the Metal plan and is happy with it, citing the points they earn and the perks.

Reddit · r/fidelityinvestments · 2 days ago

Started out in Fidelity Go, which gave a spread across small, medium, large, bond and international funds at no cost, before later self-managing.

Reddit · r/Revolut · 2 days ago

Has had no mobile service for over two days after switching to Revolut and finds support very poor.

Reddit · r/Revolut · 2 days ago

Moved their mobile plan over from Vodafone and finds speeds now terrible in a rural area, planning to go back.

Reddit · r/Revolut · 2 days ago

Gets weekly emails and notifications pushing the German IBAN switch even with marketing turned off, and support first promised it would stop.

Reddit · r/Revolut · 2 days ago

Found that choosing Revolut Pay for an Uber trip switched off their Uber One benefits despite having it through a Revolut plan.

Reddit · r/Revolut · 2 days ago

Uses Revolut Pay across Wolt, Uber, WizzAir and Booking.com and says it makes RevPoints more attractive.

Reddit · r/ynab · 2 days ago

Set the iPhone action button to add a YNAB transaction and now logs purchases right after paying, before the receipt prints.

Reddit · r/CreditCards · 2 days ago

Upgraded from the Blue Cash Everyday after years and keeps the Preferred because groceries are their biggest spend, paying in full each month so the fee is outweighed.

Reddit · r/Revolut · 2 days ago

Gets paid in a different currency, which makes a paid Revolut plan worthwhile for them. They say the value of the plans is personal and depends on how you use the account.

Reddit · r/CreditCards · 2 days ago

Product-changed a Quicksilver Visa to a Savor and reports it still shows as a Visa in the app.

Reddit · r/CreditCards · 2 days ago

Opened the card and was blocked pending income verification; despite sending documents, the issuer closed it and still charged the annual fee. Escalating by phone did nothing, and a CFPB complaint eventually produced a courtesy credit of the fee.

Reddit · r/CreditCards · 2 days ago

Held the card and tried to justify the high fee with its credits, but found that paying for things they would not otherwise buy did not work for them. They plan to move away from it next month.

Reddit · r/Revolut · 2 days ago

Has used it for years but only while travelling, keeping a regular bank for everything else, and finds its support more automated than human.

Reddit · r/Revolut · 2 days ago

Shares a joint account with a spouse in France; the spouse's physical card works everywhere except automated gas stations, where payments are refused before the PIN can be entered, while the account holder's own card works.

Reddit · r/Revolut · 3 days ago

Had been happy with Revolut CFD trading for a couple of weeks, then found it down for almost three hours with a large open position they could not close. Plans to close their trading account.

Reddit · r/Revolut · 3 days ago

Finds Revolut fine as a bank but considers its trading platform very poor, and says they have filed several complaints and are preparing a formal one to the regulator.

Reddit · r/fidelityinvestments · 3 days ago

Says the account's ATM fee reimbursement covered a steep fee and currency conversion charge from a European ATM while studying abroad.

Reddit · r/fidelityinvestments · 3 days ago

Uses the debit card at casino and dispensary ATMs and gets the fees rebated, preferring that to carrying a whole trip's cash.

Reddit · r/fidelityinvestments · 3 days ago

Uses the account in place of a bank account with overdraft protection funded from their brokerage account; it mostly worked but recently the protection failed and transactions were declined.

Reddit · r/fidelityinvestments · 3 days ago

Suggests the Fidelity card for recurring expenses but says a dispute over a counterfeit item bought with it did not help and sided with the seller.

Reddit · r/Revolut · 3 days ago

Moving their mobile number to Revolut left them without service for a day, and support only said to wait while they pass them around.

Reddit · r/Revolut · 3 days ago

Ported their number from GoMo in minutes and reports everything fine so far, saying RevPoints earned on their Metal plan cover the cost.

Reddit · r/CreditCards · 3 days ago

Pairs the Venture X with a Savor and says the annual travel credit and yearly miles more than cover the fee even with one trip a year. They also value the lounge access during layovers.

Reddit · r/CreditCards · 3 days ago

Had a trip cancellation claim covered by their Amex Platinum travel insurance despite split one-way flights on different airlines. They say it was paid without extra questions, though they note it is more restrictive than Chase.

Reddit · r/CreditCards · 3 days ago

Calls the Cash+ a card you can age with and says earning 5% back on utility bills is their favorite bonus of all their cards.

Reddit · r/CreditCards · 3 days ago

Keeps the Sapphire Reserve even while not traveling internationally, for the 1:1 Hyatt transfers and a yearly Edit and dining credit they can use locally.

Reddit · r/Revolut · 3 days ago

Filed a formal complaint and Revolut admitted fault and offered a small compensation, but about a month later the money had still not arrived.

Reddit · r/CreditCards · 3 days ago

Keeps it as their one cash back card, hand-picking a single category each cycle and putting nothing else on it, and notes it is no longer open to new applicants.

Reddit · r/CreditCards · 4 days ago

Holds both the Sapphire Preferred and the Navy Federal Flagship Premier and considers the Sapphire Preferred the better daily driver because of its extra 3% categories.

Reddit · r/ynab · 4 days ago

Has begun using the Apple Card for most purchases with Daily Cash flowing into the Apple savings account, and tracks the small amounts in their budget.

Reddit · r/personalfinance · 5 days ago

They are a big fan of the Fidelity CMA because of its autosweep feature, using it like a checking account while the cash earns the money market rate without savings-account restrictions.

Reddit · r/personalfinance · 5 days ago

They have used E*TRADE for over two decades with no problems, finding support responsive and accurate the few times they needed it, and they handle most things in the app or on a laptop.

Reddit · r/CreditCards · 5 days ago

Has used the Venture X as an everyday card and recently redeemed its points for two business-class round trips to Japan, which they take as proof the card is worth it.

Reddit · r/CreditCards · 5 days ago

Holds the Venture X and just opened the Bilt Palladium. They like its stronger transfer partners and the higher portal redemption value compared with Capital One, and note no perk changes have been announced yet.

Reddit · r/Revolut · 5 days ago

Has used Revolut for years as a main account for savings and salary, with large transfers and crypto moves, and says they have never hit the problems others report.

Reddit · r/Revolut · 5 days ago

Only problem was customer service, where they dealt with an AI that pretended to be human, so they use Revolut just as a spending account with virtual cards and keep their salary elsewhere.

Reddit · r/Revolut · 5 days ago

Held a Revolut account since 2020 as a main bank but closed it after an outage left them without access to their money, with no compensation, plus earlier trouble with transfers and support.

Reddit · r/Revolut · 5 days ago

An Italian resident who used Revolut for everyday payments had the account permanently closed with no clear explanation and finds that hard to accept.

Reddit · r/Revolut · 5 days ago

Had their Revolut account scheduled for closure; the appeal failed and they were told it will close permanently without explanation, despite documented activity on the account.

Reddit · r/Revolut · 5 days ago

Found Revolut's verification scanner broken, rejecting good photos as blurry and then crashing on submission, and could not reach support by phone.

Reddit · r/Revolut · 5 days ago

Got a Revolut alert for a pending purchase they did not make, froze and deleted the card right away and started the refund process, unsure about their chances.

Reddit · r/Revolut · 5 days ago

Finds Revolut's savings account suited to parking spare cash that will be used within weeks or months.

Reddit · r/CreditCards · 5 days ago

Pays property tax and IRS tax with the Venture X despite the card fee, since travel redemptions after a year and a half of heavy travel easily return well over 1 cent per point.

Reddit · r/CreditCards · 5 days ago

Likes their Blue Cash Everyday and uses it at Walmart where their Savor does not earn 3%, and describes the pairing of the two as a great combo.

Reddit · r/CreditCards · 5 days ago

Holds both the Amex Gold and Venture X and says the Gold works well for them because it matches where they already spend on food.

Reddit · r/CreditCards · 5 days ago

Owns both the Savor and Autograph; in Japan the Savor earns 3% almost constantly, with a rare miscoding of a restaurant near them as merchandise.

Reddit · r/CreditCards · 5 days ago

Found that Wells Fargo caps how often the card can be paid from an outside bank each month, about seven times for them, after which payment has to be made by phone.

Reddit · r/CreditCards · 5 days ago

Applied for the Strata Premier through a Rakuten offer and took the cash back as Bilt points, which they felt was a better deal than waiting for the bank's own bonus.

Reddit · r/CreditCards · 5 days ago

Uses the Bilt Palladium for lounge access since it is easy to earn back the annual fee through credits and it includes guest access.

Reddit · r/fidelityinvestments · 5 days ago

Holds the Fidelity credit card but cannot find a running balance after each transaction in the app or website, unlike other issuers.

Reddit · r/CreditCards · 5 days ago

New Platinum cardholder who cannot add the card to Uber to activate the monthly Uber Cash credit, despite Amex confirming no blocks and trying both Uber and Uber Eats.

Reddit · r/ynab · 5 days ago

Uses YNAB because it keeps money set aside for credit cards so they are paid in full each month, and updates and reconciles often.

Reddit · r/ynab · 5 days ago

Enters every transaction by hand at the time of purchase in YNAB, reconciles twice a week and says the routine takes about five minutes a day.

Reddit · r/ynab · 5 days ago

Prefers YNAB's web app and distrusts the mobile app, whose constantly changing functionality they find confusing and fiddly.

Reddit · r/CapitalOne · 5 days ago

They were approved for the Venture X as only their third credit card with a modest score, and believe Capital One favors people who keep most of their accounts with it.

Reddit · r/CapitalOne · 5 days ago

They hold three Capital One cards but keep getting denied for the Venture X despite other premium cards elsewhere, which they think is because they are seen as not profitable.

Reddit · r/CreditCards · 6 days ago

They were approved for the Boundless the same day they applied, but the welcome bonus had not yet appeared on the app's bonus tracker, so they asked others whether it would show up.

Reddit · r/CreditCards · 6 days ago

They applied for the Boundless during the flash offer and were denied for the first time ever despite being well under 5/24 and a Chase Private Client, and Chase tried to steer them to a business card.

Reddit · r/CreditCards · 6 days ago

They use and pay off their Sapphire Reserve every month and are a Chase Private Client, but after an unexpected Boundless denial they are considering taking their business elsewhere when it renews.

Reddit · r/personalfinance · 6 days ago

They opened a CIT HYSA for its high promotional-era rate, but it gradually dropped, so they moved to Fidelity Cash Management. They never needed customer service and found everything straightforward online.

Reddit · r/personalfinance · 6 days ago

They opened an E*TRADE account for a sign-up bonus, had trouble logging in, and found the support agent they called very helpful. They received the bonus afterward.

Reddit · r/personalfinance · 6 days ago

They had never needed customer service until opening E*TRADE, where verification problems and an unverifiable phone number meant a long wait for manual review before getting online access. They say it is fine now.

Reddit · r/CapitalOne · 6 days ago

They received a Capital One invitation to apply for the Venture, applied and were denied, leaving them annoyed at the hard credit pull for nothing.

Reddit · r/Revolut · 6 days ago

Switched their salary details to Revolut after seeing the offer, but a transfer from their partner was put on hold the same day with an investigation and requests for documents, so they changed it back the next day.

Reddit · r/Revolut · 6 days ago

Has had their salary paid into Revolut for almost two years without being blocked or closed, likes the income sorter feature and early pay, and found support good when asking for a human.

Reddit · r/CreditCards · 7 days ago

Applied for the card in August for the points-based welcome offer, found the points more flexible than free night awards, and is going for the second part of the offer too.

Reddit · r/CreditCards · 7 days ago

Signed up for the card days before the four free night offer appeared and asked Chase to switch offers; the rep declined, though they are not too bothered by the spend requirement of their existing offer.

Reddit · r/CreditCards · 7 days ago

They took a chance applying for the Marriott Bonvoy Boundless while sitting exactly at the 5/24 limit and were rejected, matching another commenter's experience in the thread.

Reddit · r/CreditCards · 7 days ago

They applied for the Boundless right around their Chase card anniversary and were instantly approved, even while sitting right at the 5/24 line.

Reddit · r/CreditCards · 7 days ago

They had just dropped below 5/24 the month before and were instantly approved for the Boundless during the flash offer, with no extra review.

Reddit · r/CapitalOne · 7 days ago

Their secured Quicksilver never graduated, but about ten months later they were approved for a Savor and a VentureOne, after which they closed the secured card.

Reddit · r/CreditCards · 7 days ago

They were approved for a Capital One Quicksilver with a security deposit and plan to pay the deposit and use it, though they first wondered what happens if the deposit is never paid.

Reddit · r/CapitalOne · 7 days ago

They have had the Quicksilver since their credit repair days over a decade ago but rarely use it, calling the limit too low and the interest too high. They keep it in a safe with a small monthly charge to avoid closure.

Reddit · r/fidelityinvestments · 7 days ago

Trades on Fidelity and reports lags, glitches, loading issues and sell orders not filling even when the bid fell below the limit. Calls the platform a big piece of trash for active trading and says he would not use it.

Reddit · r/fidelityinvestments · 7 days ago

Says Fidelity sometimes rejects a second market order for the same stock submitted right after the first because it is too similar to the last one, and that it has been like this for years.

Reddit · r/fidelityinvestments · 7 days ago

Uses Fidelity for both checking and savings and also has the Fidelity credit card, with no problems. Says the customer service is superior to any bank they have used.

Reddit · r/CreditCards · 8 days ago

Recently opened the card on the points-based welcome offer and wishes they had waited for the newer offer with four free night awards instead.

Reddit · r/CreditCards · 8 days ago

They were approved for the Boundless right after dropping to 4/24, having waited for a better welcome offer and prefering points over free nights. They were happy with the record-high points offer.

Reddit · r/CreditCards · 8 days ago

They applied for the Boundless for the elevated offer and were denied, losing a hard inquiry. They have strong credit and a Chase checking account, and believe Chase strictly enforces its 5/24 rule.

Reddit · r/CreditCards · 8 days ago

They opened the Boundless a month before the flash points offer appeared and feel the larger points bonus is much better than the free night certificates they took.

Reddit · r/everydollar · 8 days ago

After a decade as a paying member, the budget-locking update made it unworkable overnight, so they built a custom Excel spreadsheet with AI help and cancelled the subscription.

Reddit · r/fidelityinvestments · 8 days ago

They call Fidelity Baskets horrible because some of their positions are stuck in limbo. They were told the engineering team would take about a week to respond.

Reddit · r/personalfinance · 8 days ago

They use the Chase Sapphire Preferred to book hotels and flights for free worth far more than the annual fee, and argue carrying a fee card makes sense for disciplined users.

Reddit · r/CapitalOne · 9 days ago

They opened the secured card earlier this year, had its limit raised automatically after a few months, and it later graduated to unsecured without a request. They paid on time and kept utilization low.

Reddit · r/CapitalOne · 9 days ago

They have held the secured card for about a year and a half without it graduating despite never missing a payment and low utilization. They were approved for a SavorOne and plan to close the secured card.

Reddit · r/CapitalOne · 9 days ago

Their Platinum Secured card took about four and a half years to become unsecured, and the credit limit stayed the same through all that time.

Reddit · r/CapitalOne · 9 days ago

After a first-ever returned payment on a Quicksilver held for ten years, they called right away and were told the account would not be closed, though online stories left them worried.

Reddit · r/amex · 9 days ago

After weighing a targeted upgrade, concluded the Everyday card with no annual fee suits their grocery spending better than the Preferred.

MoneyRecs · Ben · 10 days ago

I mostly open this to clear the transactions waiting for review and see where the spending is going. That's enough for me. Having the upcoming bills on the same screen is handy, especially when the current balance looks more generous than it really is. I still check the categories instead of accepting everything in one go. Takes a little attention, but I prefer that to opening a spreadsheet and deciding I'll deal with it later.

MoneyRecs · Maricel D. · 10 days ago

Used it to send money to my mom once a month. On a weekday the rate was good, and the app shows the fee and exactly what she gets before you hit send. I found out the hard way that exchanging on the weekend adds a markup on the free plan, so after that I only sent Monday to Friday. Then in month eight a transfer got held and my account was restricted for a review. I uploaded my ID and pay stubs twice. The chat kept handing me to the bot, and when I finally got a person they just said my case was with the team. Eleven days without access to my own money, then it was unlocked with no explanation. The monthly transfer goes through Wise now. I only keep a little in Revolut for when I travel.

MoneyRecs · Priya S. · 10 days ago

We run a two person bookkeeping practice and our internet, phone lines and office supply store runs all go on this card. The 5% in those categories is the whole point, and a firm our size never gets close to the $25,000 yearly cap. Client lunches earn 2%. No annual fee. con: my starting limit was only $3,000, so for the first year I was paying it down mid cycle. There's a 3% foreign transaction fee as well, so it stays home when I travel. Still the card I'd keep if I had to cut down to one for bills.

Reddit · r/CapitalOne_ · 10 days ago

VentureOne came with the highest starting credit line they had seen at Capital One, so they moved that line over to their SavorOne using the manage credit lines feature in the app.

Reddit · r/TheRaceTo10Million · 10 days ago

A partial transfer out to Robinhood did not work and a call to E*Trade could not explain why; they also believe its margin rate is higher than rivals'.

Reddit · r/CapitalOne · 10 days ago

They upgraded a Platinum to a Savor with an increase, but their Quicksilver Secured has had perfect payments for seven months with no graduation yet. They credit Capital One with helping them through a hard time.

MoneyRecs · Priya S · 11 days ago

Two years in, my husband and I finally know where the money goes. Worth the $109.

Reddit · r/CapitalOne_ · 11 days ago

Opening a new VentureOne brought a credit line almost double the one they were refused as an increase on a SavorOne after a year and a half.

Reddit · r/CryptoTax · 11 days ago

Importing many tiny IBIT fee transactions produced hundreds of missing cost-basis warnings that had to be reviewed one by one, with no way found to batch them.

Reddit · r/personalfinance · 11 days ago

They use a VentureOne as their own starter card, paying it off in full every month, mainly to earn some miles on regular spending instead of nothing.

Reddit · r/CapitalOne · 11 days ago

They were approved for Quicksilver and received the card, but the account was restricted for weeks over identity verification while living abroad. Repeated document submissions were rejected without a clear explanation.

Reddit · r/CapitalOne · 11 days ago

They opened a Quicksilver expecting a sign-up bonus after meeting the spend requirement, never received it, and support told them there is no bonus on their version of the card.

Reddit · r/CapitalOne · 11 days ago

They have seen their Quicksilver limit raised several times, first unprompted when they carried higher balances and later by requesting an increase every six months, without a hard pull.

Reddit · r/CapitalOne · 11 days ago

After several denied credit line requests for a new account, their Savor limit was finally increased once the account had aged.

Reddit · r/MonarchMoney · 11 days ago

Likes the interface but the endless bugs, Amazon issues and rules that do not work became truly exhausting, so they migrated to Monarch.

Reddit · r/Revolut · 11 days ago

Five years with no issues, then their account would not verify their identity despite all information provided, and finds customer service futile.

Reddit · r/Revolut · 11 days ago

Used it without hassle for years, but lost money during the recent outage and found support alarming, with AI or a different agent every few messages, so closed the account.

Reddit · r/Revolut · 11 days ago

Had a small RevPoints balance and kept hitting errors when trying to redeem it for vouchers. Ended up donating the points to charity and switched off RevPoints.

Reddit · r/fidelityinvestments · 11 days ago

Uses the Cash Management Account as a main account but was hit twice by problems with Fidelity bill pay when paying credit cards, and points others to the many similar reports.

Reddit · r/fidelityinvestments · 11 days ago

Has had the account for a few months and calls it great; the only complaint so far is the website erroring when ordering checks.

Reddit · r/fidelityinvestments · 11 days ago

Has used Fidelity cash management accounts for everyday checking for around 15 years with no issues and no regrets.

Reddit · r/fidelityinvestments · 11 days ago

Has used the Fidelity cash management account, brokerage and credit card as a full banking setup for close to ten years and could not be happier with it.

Reddit · r/fidelityinvestments · 11 days ago

Moved over from Ameriprise intending to self-manage and found the free advisor calls steered toward paid management and skipped their agenda, though the transfer help was good.

Reddit · r/CreditCards · 11 days ago

Keeps the card because the yearly free-night award more than offsets its low annual fee.

Reddit · r/CreditCards · 11 days ago

Keeps the Hyatt card for its annual free night, which can be worth much more than the fee.

Reddit · r/CreditCards · 11 days ago

Barely spends on it beyond work travel, but the travel credit and anniversary points cover the annual fee.

Reddit · r/CreditCards · 11 days ago

Keeps the card for free checked bags, discounted award flights and early boarding, with credits offsetting the annual fee.

Reddit · r/CreditCards · 11 days ago

Keeps the Marriott Boundless alongside an IHG card because the annual free night more than covers the fee.

Reddit · r/ynab · 11 days ago

Tried Monarch for a while but the lack of zero-based budgeting was the killer, being hardwired to zero-based budgeting.

Reddit · r/ynab · 11 days ago

After seven years on YNAB, was pushed toward Monarch by YNAB's home screen advertisements, finding ads on top of a paid subscription so offensive.

Reddit · r/everydollar · 12 days ago

After years of use, a recent update locks closed monthly budgets completely so you can't go back to log refunds or delayed charges from two months ago.

Reddit · r/CreditCards · 12 days ago

They only recently realized Active Cash cash back converts to points one to one and regret having kept using their Citi Double Cash or Apple Card, praising the travel, gas and food earning.

Reddit · r/CapitalOne · 12 days ago

Converted an older Platinum to the regular Quicksilver about four years ago and likes the no annual fee and 1.5% cash back, though a second conversion left them holding duplicate cards they do not need.

Reddit · r/CapitalOne · 12 days ago

They have held their Quicksilver for years without any credit limit increase, in contrast to their Discover cards, which raise the limit readily.

Reddit · r/CapitalOne · 12 days ago

They found their Venture X starting limit generous but later credit limit increases unpredictable, one coming unprompted after they used it to book a vacation and paid it down.

Reddit · r/CapitalOne · 12 days ago

They started with a Platinum that was upgraded to Quicksilver, alongside a Savor, and have never paid interest by paying the statement balance. They use it lightly and may leave it in a drawer with a small recurring purchase.

Reddit · r/CreditCards · 12 days ago

Has used the card with Sam's Club and Walmart apps for about four years and finds it earns the online rate only about half the time, with workarounds like physical gift cards.

Reddit · r/CreditCards · 12 days ago

Tried many checkouts and Walmart locations with Walmart Pay and could not find a pattern for when the card codes the purchase as online.

Reddit · r/fidelityinvestments · 12 days ago

Has used it as a checking replacement for a few months and says it behaves like a normal checking account while paying a solid yield; uses a small BofA account for Zelle.