QuickSilver Discover?

Credit Cards
1

So, I guess my QS MC will soon become my QS Disc card. When that happens I will have 2 Disc cards and no MC. When I was shopping for my current MC a few years ago my options were limited, not to mention having to unfreeze my credit report and incur the hard hit on my file. Also, I’m retired with respectable assets and excellent credit score but less than impressive income. That said, I’m looking for any recommendations for a new $0 fee MC. Will CapOne offer other MCs or are they all in on Disc now? Thanks community.

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2

I would steer clear of the “big box” credit card offerings for many reasons.
Instead, consider a local credit union card? Easier to get and you will be supporting your local community.

3

But I live 65 miles from the nearest credit union so how would I help the community?

4

Personally I like the 5% discount on gas and diesel.

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5

I live 2,500 miles from the nearest branch of my credit union. I also have a local credit union account and use that for notary services and if I need to quickly cash a check.

I have been known to use the local ATM to remove money from the far away credit union, then put it into the envelope and deposit that cash into the local credit union, saving all that time of a ACH transfer CU to CU.

6

My distance is from any credit union. Also 35 miles (55 minutes) from the bank or grocery store.

7

Might consider the Synchrony Master Card. Earn 2 percent on “every” purchase. No annual fee.

8

I’ve been happy with the Citi no fee double cash - a team Clark recommended card.

9

BoA offers an MC and there is the Citi bank Double so-called “cash” one. I think you ought to have a visa, and those are everywhere.

No significant problem here in a few years with Discover card, but C1 buying them is a bad omen.

You see I have long experience with C! that started with them buying ING Direct years ago. By and by they offered QS card with some incentive. They sent card with an insultingly low credit line and renegged on incentive. Second try some time later produced similar results so I terminated C1, having determined they are lying liars. If they mess me around with the Discover card I will terminate or dormant it.

10

I do have a couple of VISA cards, including CapOne, where I have nearly 3 decades of mostly positive exp. As a result, I maintain a ridiculously low % on my primary card, grand-fathered over all these years. Also have an AMEX and DISC. QS is currently my only MC so losing this to DISC gains me nothing and leaves me w/o a MC. Rumor has it that opting out of the migration and retaining my existing QS MC is an option I am looking into but I will also be looking into new MC recommendations from the Community. Many thanks.

11

I would go to Visa

Fidelity Rewards Visa Signature® Credit Card

  • Rewards: 2% cash back on everything

  • Full value applies when rewards are deposited into a Fidelity account

  • Annual fee: $0

  • Foreign transaction fee: None

  • Extras: TSA PreCheck / Global Entry credit, Visa Signature benefits

  • Best for: Flat‑rate cash back + long‑term investing simplicity

You might be able to add the cash back in to a child or grandchild 529 Plan