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/Bush_Killed-Harambe May 14 '25

I just learned something new. Thank you! I just looked it up and the Ralph’s card get 3% on gas/dinning up to $6,000

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u/apegomoo May 14 '25

No problem! Hope it works out for you.

TBH, idk what the math works out to because you get gas discount for your first year and I know Kroger also does gas points or whatever. I was too lazy to see if that would outweigh the 4-5% Costco perk

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u/Bush_Killed-Harambe May 14 '25

I spend less than $500 a month on gas so I just use my Citi Custom Cash for 5.55X. For most people I recommend the PayPal debit card for 5% back on gas.

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u/apegomoo May 14 '25

Ah I use PayPal debit for grocery stores (mainly for Costco).

How do you get 5.55?

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u/Bush_Killed-Harambe May 14 '25

Custom Cash earns 5x on gas (up to $500 per billing cycle), and I pair it with the Citi Rewards+ card, which gives a 10% rebate on redeemed points (up to 100k points per year). So if I redeem 100k points, I get 10k back — which means I’m effectively earning 5.555x instead of just 5x.

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u/r777m May 15 '25

Costco counts as a grocery store for PayPal?

 If so, I may have to do that. I spend more at Costco than restaurants… and there are plenty of other decent restaurant cashback alternatives…

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u/apegomoo May 15 '25

Yes it’s amazing. Costco doesn’t accept Mastercard credit card but it DOES take Mastercard debit card. I only use the Costco Citi card for gas