Latest reviews

Reddit · r/CreditCards · 15 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/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

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

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

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

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

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/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

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.

Reddit · r/fidelityinvestments · 12 days ago

Uses it as a primary account and finds bill pay and direct deposit entirely fine, with free ATM reimbursement and a yield that matches or beats most high-yield savings accounts.

Reddit · r/fidelityinvestments · 12 days ago

Has used the account as their main checking for around two decades and calls it generally great, with free ATM withdrawals and checks and decent interest.

Reddit · r/fidelityinvestments · 12 days ago

Moved most of their banking to the account and found consolidating everything time-consuming, but says Fidelity's customer service has been superb so far.

Reddit · r/fidelityinvestments · 12 days ago

Likes the account but had it frozen briefly by Fidelity's anti-fraud checks once in over ten years, and now keeps tested bill pay at Schwab and a credit union as a fallback.

Reddit · r/fidelityinvestments · 12 days ago

Has used the account for banking for three years and calls it great, paired with a Capital One 360 account for Zelle and cash deposits.

Reddit · r/fidelityinvestments · 12 days ago

Has used it for four to five years with no issues, but found the move from their old bank slow because Fidelity holds incoming pulled transfers for days.

Reddit · r/fidelityinvestments · 12 days ago

Switched earlier this year and is fine with everything so far, with the exception of bill pay, where mailed checks take at least two weeks to arrive.

Reddit · r/fidelityinvestments · 12 days ago

Uses the account as their only bank account for everything for over a decade; the only mild annoyance is the lack of Zelle.

Reddit · r/fidelityinvestments · 12 days ago

Found setting up payments from non-Fidelity accounts and linking a bank to be a pain, with the process crashing, and is considering scrapping it.

Reddit · r/fidelityinvestments · 12 days ago

Calls the account one of their best financial choices and says it works effortlessly, wishing only that the app showed check deposit images and pending transactions like the website.

Reddit · r/fidelityinvestments · 12 days ago

Meets a free Fidelity advisor about once a year as a DIY investor; the team respects that and has never been pushy.

Reddit · r/CreditCards · 12 days ago

Got the Cash+ and spent six months cycling spend to use it for utilities; says the rewards calculations had to be fixed by calling in but it was worth the effort.

Reddit · r/CreditCards · 12 days ago

Uses the quarterly 5% utilities category but does not earn it on their water bill because it is coded as a government organisation rather than a utility.

Reddit · r/ynab · 12 days ago

Tried Monarch for a few months but found the inability to reconcile unsettling and never knew if they could trust their budget.

Reddit · r/ynab · 12 days ago

A long-time YNAB user who tried Monarch for several months, found a beautiful UI but could not warm up to the budget feature, and is now trying Copilot.

Reddit · r/ynab · 12 days ago

A long-time YNAB user trying Copilot after Monarch, calling it a gorgeous app while still finding its budgeting lacking.

Reddit · r/personalfinance · 12 days ago

Likes Monarch after tracking finances for years, making a yearly budget and checking in about halfway through, with the detailed tracking available but the higher-level view working well.

Reddit · r/personalfinance · 12 days ago

Has used Monarch since before it had AI categorization, and says categorization did not seem to get any better.

Reddit · r/personalfinance · 12 days ago

Moved to Monarch but thinks they should have kept YNAB, as they enjoy manual categorizing and kept up with it better by entering transactions as they happened.

Reddit · r/personalfinance · 12 days ago

Finds with Monarch they must wait for transactions to show up before accepting and categorizing them, and cannot enter them manually without creating duplicates.

Reddit · r/investing · 12 days ago

Chose Fidelity to move their Roth from E-Trade and says they are very glad they did.

Reddit · r/CreditCards · 13 days ago

They opened their United Explorer card in early September and hit the spend requirement within days, but the authorized user bonus miles still had not posted weeks later.

Reddit · r/CapitalOne · 13 days ago

They applied for the Venture and received the card, but it never appeared in their online banking, and customer service repeatedly asked for identity documents across several calls without resolving it.

Reddit · r/CreditCards · 13 days ago

They have held the Venture X since late 2023 but do not travel much themselves, and with lounge access now limited to the primary holder they question whether the card still pays for itself.

Reddit · r/CreditCards · 13 days ago

They hold the Venture X alongside a Sapphire Reserve and praise its price protection and price matching on flights, which return the difference as a travel credit, plus perks like the Global Entry credit.

Reddit · r/CapitalOne · 13 days ago

They hold the Quicksilver for good credit, like it and want to keep it, and keep receiving emailed offers from Capital One to product change to the Savor.

Reddit · r/CapitalOne · 13 days ago

They had a fraudulent charge on their Quicksilver card and say fraud only ever happens on their Capital One cards, including debit cards they do not use, which they had disabled.

Reddit · r/CreditCards · 13 days ago

Runs the Everyday card alongside a Savor and finds the pair easy to manage, though it is not good for use abroad.

Reddit · r/Revolut · 13 days ago

Had a large pile of RevPoints on their account that Revolut froze despite what they say were genuine transactions, and the accounts were closed shortly afterwards. Says a friend had the same thing happen.

Reddit · r/Revolut · 13 days ago

Could not complete the app's ID re-verification because the camera step kept freezing or failing, went through repeated support steps and a rejected complaint, and then had features restricted and closed the account.

Reddit · r/Revolut · 13 days ago

Says Revolut's app and reps could not provide the broker report needed for their yearly tax filing for two years, which led to trouble with the tax office.

Reddit · r/fidelityinvestments · 13 days ago

Long-time Fidelity customer who does not use its management services and meets the free advisor twice a year; finds him helpful and not pushy about selling anything.

Reddit · r/fidelityinvestments · 13 days ago

Says the Fidelity advisor pushed hard to move their 401k into a managed account for a larger fee and kept calling afterwards, leaving a poor impression.

Reddit · r/ynab · 13 days ago

Switched to Monarch this month after YNAB struggled to connect some accounts, and is very pleased so far.

Reddit · r/ynab · 13 days ago

Says YNAB has not delivered enough value for its price, with silly UI updates, imports that still work only half the time, and the same underwhelming reports for years.

Reddit · r/ynab · 13 days ago

Tried Monarch for a few days and ran straight back to YNAB, which they consider the best budgeting app currently.

Reddit · r/ynab · 13 days ago

Tried Monarch on a promo, calling it slick and great looking, but within six months was back on YNAB and let Monarch lapse, preferring zero-based budgeting to being a passenger.

Reddit · r/ynab · 13 days ago

Uses Monarch for their parents and loves it for investments, better import features, customization, an agentic interface and a more modern feel, though it is not zero-based budgeting.

Reddit · r/ynab · 13 days ago

Tried Monarch and says support was unhelpful and would not even respond to their ticket.

Reddit · r/ynab · 13 days ago

Tried Monarch for a few days and disliked that accounts were not connected, so recording a credit card payment meant two independent transactions that do not update together, a reconciliation risk.

Reddit · r/ynab · 13 days ago

Switched away because YNAB struggled to connect to some accounts during a very active month and, when it synchronized, was completely out of whack, defeating the purpose of automation.

Reddit · r/ynab · 13 days ago

Switched to Monarch recently because YNAB was too much of a pain for logging transactions and linking certain accounts.

Reddit · r/ynab · 13 days ago

Wants zero-based budgeting but switched to Monarch because categorizing in YNAB was so painful they budgeted less, citing weak auto categorization rules and four clicks to split a transaction.

Reddit · r/ynab · 13 days ago

A long-time YNAB user who switched two months ago and finds Monarch more proactive in tracking and monitoring.

Reddit · r/ynab · 13 days ago

Switched to Monarch permanently to track net wealth and because flex budgeting lets them set aggregate lump sums while still tracking spending, unlike YNAB which encouraged amassing underused cash.

Reddit · r/ynab · 13 days ago

Jumped to Monarch and is never coming back, saying it does not feel like having a second job to keep things organized.

Reddit · r/ynab · 13 days ago

Just signed up for Monarch and is pretty impressed, finding it more streamlined than YNAB, with easy receipt scanning, automatic splits and a helpful AI assistant for budget setup.

Reddit · r/personalfinance · 13 days ago

Started using YNAB 16 years ago but has reached a stage where not every dollar needs a job, and still grinds reconciling every cent while wanting gross-level cash flow and aggregated investments.

Reddit · r/personalfinance · 13 days ago

Says with Monarch you just change the categories you disagree with, that it is very easy to use, and that they love it.

Reddit · r/personalfinance · 13 days ago

Uses Monarch and really likes it, noting a lot of great extensions.

Reddit · r/investing · 13 days ago

Has a Roth with Fidelity and Robinhood; says Fidelity is great but its only real benefit for them has been being able to call someone, and they have called just once in eight years.

Reddit · r/investing · 13 days ago

Keeps all tax-advantaged accounts at Fidelity and a brokerage at E-Trade, saying E-Trade has the best interface but Fidelity's customer service is far better and it would be the one choice.

Reddit · r/investing · 13 days ago

Recently moved from Robinhood to Fidelity, finding Robinhood's UI much better and still using its app, but preferring Fidelity for its wide range of fund options.

Reddit · r/investing · 13 days ago

Praises Fidelity for international markets, fractional shares, good support and a decently good UI, saying it now handles most of their banking for functional purposes.

Reddit · r/investing · 13 days ago

Consolidated everything to Fidelity, finding Schwab fine but liking Fidelity's interface better.

Reddit · r/investing · 13 days ago

Has used all three of Fidelity, Robinhood and Schwab and rates Fidelity by far the best, loving its UI, low and no cost funds, customer support and ease of setting things up.

Reddit · r/Revolut · 13 days ago

Says Revolut hotel bookings are marked up via Expedia and they have yet to find one worth more than about 1p per RevPoint versus a standard Expedia rate with cashback.

Reddit · r/CapitalOne · 14 days ago

They have held their Quicksilver for over 15 years as their first real card and still keep it, now using it only for retail discounts and cash back while travel goes on airline and hotel cards.

Reddit · r/CapitalOne · 14 days ago

They applied for the Platinum Secured to rebuild credit after past mistakes, were approved and paid the deposit quickly, and asked how long it stays secured and whether limits can grow.

Reddit · r/fidelityinvestments · 14 days ago

Started using bill pay for major bills but every bill was sent as a check and two of three were not processed.

Reddit · r/investing · 14 days ago

A former dedicated Schwab user who now finds Fidelity just better, citing cash swept into higher-yield T-bill equivalents and full dollar-amount limit orders, while saying Schwab representatives are smarter.

Reddit · r/investing · 14 days ago

Uses both Schwab and Fidelity and finds Schwab's interface better, since Fidelity needs several refreshes after a trade and lacks a combined account summary with allocation percentages, though Fidelity automatically invests cash.

Reddit · r/investing · 14 days ago

Uses both Schwab and Fidelity and finds Fidelity edges ahead in UI experience and total package, being low friction and powerful once learned, with everything from fractional stocks to T-bills, Roths, 401ks and HSA in one place.

Reddit · r/amex · 14 days ago

Many places in Prague did not accept the Gold.

Reddit · r/amex · 14 days ago

The Gold's hotel credits and baggage coverage make it pay them to travel.

Reddit · r/CreditCards · 14 days ago

Left after Bilt 1.0 and no longer trusts the company.

Reddit · r/CreditCards · 14 days ago

Won't do business with Bilt again after the end of 1.0.

Reddit · r/Revolut · 14 days ago

Converts RevPoints to Avios to fly out of London City Airport several times a year since getting Revolut Ultra and finds them absolutely worth their value.

Reddit · r/amex · 14 days ago

Bought two cars on the Platinum after letting Amex know.

Reddit · r/personalfinance · 15 days ago

They have sent money to family monthly through Western Union for about ten years and say they have never had any issues or been questioned about the transfers.

Reddit · r/CapitalOne · 15 days ago

They had this card closed along with their other Capital One cards after one bounced autopay following surgery, even though they fixed and remade the payment right away.

Reddit · r/CapitalOne · 15 days ago

They had this card closed along with their other Capital One cards after one bounced autopay following surgery, even though they fixed and remade the payment right away.