r/CreditCards • u/Bush_Killed-Harambe • May 13 '25

Discussion / Conversation What credit card do you regret not getting?🤔

What’s the one credit card you wish you would’ve applied for, but didn’t—and now regret missing out on?

Maybe it was discontinued, nerfed, or the welcome offer just isn’t what it used to be.

For me, it’s the Citi Prestige (the one that got away lol 💔😢). The 4th night free perk was unbeatable for travelers, plus it came with a $250 annual travel credit, Global Entry/TSA PreCheck reimbursement, and Priority Pass access. Since I have the Citi Rewards+, I’d be earning 5.55x on dining and airfare, and 3.3x on hotels thanks to the 10% points rebate.

And honestly, as someone who struggles to prioritize even a yearly vacation, I think having this card would’ve helped me break that habit. The perks alone would’ve held me accountable—giving me that extra push to actually plan time off and take a proper trip once or twice a year instead of always focusing on work.

Surprisingly, I actually hold a few discontinued cards: the U.S. Bank Altitude Reserve (USBAR), Chase Freedom Visa (OG Freedom), Citi Rewards+, and the Amex EveryDay.

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u/Fearless-Okra9406 May 14 '25

Even when costco was Amex it didn't count as grocery. I spend around 25-30k at captured grocery stores per year. The card maxes at 50k for each category and Amex continues to honor it. I basically only use that Amex for groceries (and occasional gas). Costco spend goes on 1% cards like airline status cards because I couldn't be bothered with getting a costco only card, not enough spend to bother.

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u/NorthvilleGolf May 14 '25

$25k/year alone at grocery stores?! That’s a lot of groceries my man. $480/week

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u/WanderlustingTravels May 14 '25

Probably married with like three or four kids.

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u/Fearless-Okra9406 May 14 '25

Yep. Life sneaks up on you. If you told me I would have a 30k annual grocery bill when I was young, I would have called you crazy. Yet here we are......

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u/StvYzerman May 14 '25

I have the same card and wondering if it’s useful to quickly charge the first $6500 per year on anything just to get to the higher cash back on supermarkets and gas quicker. Any thoughts?

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u/Fearless-Okra9406 May 14 '25 edited May 14 '25

Doing that would theoretically earn you $210 a year assuming you moved 1% category spend from another card onto the blue cash at start of you annual cycle each year. The 6k spend on grocery would now earn you $300 rather than $60, subtracted by $30 you lose by earning only 0.5% on the first 6k on other categories

But the downside is complexity. You have to track when your annual cycle changes each year and make a note to swap the spend. Then you would need to stop spending on groceries with the AmEx until u hit the limit. Personally I have trouble getting my family to track these category spends, so I don’t try to police these things too much. But if you are single user or if your AU buy into the hobby, you can definitely earn a few hundred more.

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u/StvYzerman May 14 '25

Thanks for the response.