Now that USBAR is gone which credit cards do you think might be next

USBAR has ended new applications. It might come back later but who knows.

Which other cards from any lender do you think could be cut next because they are too good? Do you believe current users will be grandfathered in? Are there any cards you want to grab while you still can

Bilt has about 5 years left. But honestly I think it’ll only last 1 or 2 years max before a serious change happens. It’s not every day we get this many signs a card might go away.

My top two guesses for cuts are Kroger cards and then Venture X.

@Vaughn
Why do you think Venture X?

Drake said:
@Vaughn
Why do you think Venture X?

It’s the best benefits card by a long shot. eAF of -$5 if you are okay with booking through the portal and using points. Plus you get unlimited lounge passes for you and two others, with all AUs being free.

It’s like having 12 unlimited lounge passes at once. The visa infinite benefits are just a bonus.

@Vaughn
What does Visa Infinite include?

Drake said:
@Vaughn
What does Visa Infinite include?

You get purchase protection, warranty, free global entry or pre-check, and travel delay/cancellation insurance. Check the Visa guide to benefits for Venture X for more information.

@Vaughn
I was surprised to see that Kroger cards have no foreign transaction fees. It wouldn’t shock me if they added that since the card is aimed at grocery and domestic spending.

William said:
@Vaughn
I was surprised to see that Kroger cards have no foreign transaction fees. It wouldn’t shock me if they added that since the card is aimed at grocery and domestic spending.

Yeah but honestly how many people are taking a Kroger card abroad and spending a lot? I think the Altitude Go was aimed at folks spending heavily on dining, especially internationally. The Kroger card is for people who think it’s awesome to get 5% back at Target, HomeGoods, and the pet store. Plus USB has to negotiate with Kroger to change the terms and I’m not convinced it’s worth it.

@Vaughn
Everyone has been saying VentureX will be cut for the last few years since it was released. I doubt it will be cut. Maybe an annual fee hike but I’d be surprised if it’s anything more than that.

@Vaughn
Yeah everyone keeps saying the Kroger cards will be cut ‘next year’ but they are still around after all this time…

…But yeah they’re probably on the chopping block next year for sure.

BILT. I don’t really think their business model makes sense. Someone has to pay fees to buy points, run the systems, pay employees, and give a return to investors. Right now it looks like there’s no way to charge the fees needed on either side to make it work.

@BookwormBard
I could see them adding an annual fee or increasing the minimum monthly transactions. Maybe something like 10 each month to earn rent points.

@BookwormBard
Yes Bilt is either going to be hit hard like the Uber credit card was, or just cut altogether.

@BookwormBard
The fact they require 5 transactions minimum and capped the points on Rent Day shows that the public and credit card reward enthusiasts don’t see the value other than rent spending. Way easier to pay the 3% fee and focus that spend on a bigger sign-up bonus. Someone has to cover the costs of these travel partners and transaction fees which most issuers want to avoid.

@BookwormBard
Just get rid of the transaction minimum and set a minimum spending amount. BILT is trying to push non-rent spending while making it unattractive. Drop the 5 transaction requirement and just say you need to spend $350 every month.

I’m keeping my USBAR with the grandfathered $0 Savor for as long as I can. Hopefully they maintain open accounts for a while.

abraham said:
I’m keeping my USBAR with the grandfathered $0 Savor for as long as I can. Hopefully they maintain open accounts for a while.

They will have to take my AR from my cold dead hands.

@Shaye
Don’t you mean your cold dead mobile wallet?

abraham said:
I’m keeping my USBAR with the grandfathered $0 Savor for as long as I can. Hopefully they maintain open accounts for a while.

I’m going to keep enjoying 4.5% on Apple Pay until they force me off, it should be a while since there are cards that stopped new applications back in 2020 and US Bank has still kept them around.

abraham said:
I’m keeping my USBAR with the grandfathered $0 Savor for as long as I can. Hopefully they maintain open accounts for a while.

What rewards did the grandfathered Savor offer? They made naming so confusing that searching brings up only current offerings or Savor One. Who thought naming multiple cards Savor would cause confusion