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@lopezzepol12 ай бұрын
I believe Walmart counts/codes as grocery store spend for the venmo card. With the Walmart card (potentially) going away, this could be a good play to get 3% back at Walmart
@RJFinancial2 ай бұрын
This is out of character and helpful... thank you sir. A credit to the cash back nation
@dizzyg68622 ай бұрын
Costco as well
@PeterLee.2 ай бұрын
Walmart does 100% code as grocery store. This is my go to card for Walmart shopping monthly for personal and business spending at 3% 😂
@Megawolf2422 ай бұрын
Also it codes 3% back for groceries at Target
@MichaelMidnight2 ай бұрын
@@Megawolf242 wait are you saying Target, Walmart, and Costco codes as Groceries?!?!
@flubberghosted24722 ай бұрын
Love my Venmo card. My first cash back card. I use it for 3% on utilities while I garden towards a US Bank Cash Plus.
@RJFinancial2 ай бұрын
Nice, glad it's working out for you sir
@newagain99642 ай бұрын
Why specifically the cash plus?
@flubberghosted24722 ай бұрын
@@newagain9964 because it is 5% on utilities instead of 3%. Every little bit helps. 😅💰
@Numba1hunna832 ай бұрын
This was like my 3rd credit card when it first came out. Right now I use it for random utilities which gives me 3% on those and I use the cash back for the automatic crypto conversion. Good early game card for people especially if they use venmo. It gets harder to use as you pick up better cards but with no annual fee I like keeping it around.
@RJFinancial2 ай бұрын
Still not a bad card. Think it's fine as you get going.
@jimmyjames64922 ай бұрын
Thanks for the info + video!
@thejokerspeaks2 ай бұрын
Too much white in the black card, it almost needs inverted colors for your style.
@RJFinancial2 ай бұрын
Agree. Almost when with the Blue. When I pick debit cards I always go with the banks default design.
@JazzyMarineVet2 ай бұрын
HOw do you get around the number of hard inquiries to keep getting approved? I always thought that anymore than 4 or 5 will get you denied
@RJFinancial2 ай бұрын
These cards tend to cast a wide net so it can sometimes be easier. Not a guarantee
@kingsamvisuals2 ай бұрын
I got approved with 7 recently lol. I'm now in dangerous territory. I have 2 more on my radar and then I cool down for a year.
@shawn.credit2 ай бұрын
Synchrony is not new account or inquiry sensitive, not ideal but I’ve opened a few cards every month to a few months with them they don’t care about inquiries as long as your profile is solid.
@ImGerald26 күн бұрын
Paypal denied me, so I'm sure I will get denied here as well since it's the same bank. I have no late or missed payments. CCU is sitting at 29%. F8 score is 689
@shawn.credit2 ай бұрын
Solid pickup! 💳
@Jason_The_Man2 ай бұрын
Nice review!
@RJFinancial2 ай бұрын
Appreciate it brother
@WhatsThePoints12 ай бұрын
Related note- cc payments thru PayPal sometimes code as purchase but seems Venmo always codes cash advance 😬
@RJFinancial2 ай бұрын
Thanks for the tip brother
@fengshui21512 ай бұрын
social earning? will this be used for the social credit system used in China?
@ryanarnold47902 ай бұрын
I use my Venmo card just for bills
@lifeofsui38642 ай бұрын
I’m just surprised Raymond James hasn’t tried to make you change your channels name
@RJFinancial2 ай бұрын
Funny, I did some work with Raymond James via my real job. The joke was made as I'm also known by RJ in the real world as well
@lifeofsui38642 ай бұрын
@@RJFinancial maybe you can get them to change their name, like Sierra Mist had to change their name when they lost to the influencer
@evangibson80202 ай бұрын
Based RJ
@yurig25302 ай бұрын
Nothing special about this card. All the categiries are covered by other cards for me.
@whovion3967Ай бұрын
I've been thinking of getting this card with the goal of only using it for costco since that is my main grocery store...you have any suggestions on other cards? I'm always looking for second opinions...I've also checked out the AAA daily cc so I'm stuck between those 2 as of right now
@yurig2530Ай бұрын
@@whovion3967 Use Altitude Reserve for Costco.
@kazi12 ай бұрын
Yo
@jisz58madden352 ай бұрын
You picked Black ⚫️ color . You always wear a black shirt
@RJFinancial2 ай бұрын
Black is such a lovely color
@joekerr36382 ай бұрын
Black...you chose black
@RJFinancial2 ай бұрын
Nailed it... Almost did the blue as it's the standard color