You Only Need THESE 5 Credit Cards In 2023
ฝัง
- เผยแพร่เมื่อ 10 เม.ย. 2023
- In this video we are looking at the only 5 credit cards you ever need to have in your wallet. We will be talking about the best travel credit cards and the best cash back credit cards so that you can create the perfect 5 credit card setup for the long-term based on your own preferences!
Personally, I only carry around 4 or 5 credit cards with me every day so I try to pick the best credit cards for travel because I know that I can get the most value from those cards. I think it’s a common misconception that in order to get value out of credit card usage, you need to be carrying 20 cards or more which obviously is tough to manage. But the truth is that if you can identify what you’re looking for in a credit card setup, then you can keep it simple and stick with only 5 credit cards while still getting a lot back.
Most of the credit cards that we’re going to cover in this video are very easy to use, so I would say that they are some of the best credit cards for beginners if you’re new to the credit card game. This means that you don’t have to overthink and plan too much when it comes to optimizing what credit card you should be using for certain purchases. So if you are looking for something very simple with a lot of long-term value, then I would suggest choosing either one of the cash back or travel credit card setups that we’ll be covering in this video!
LINKS TO CARDS:
💳 Learn More About The Citi Custom Cash: danielbraun.me/Custom-Cash
💳 Learn More About The Capital One SavorOne: danielbraun.me/Savor-One
💳 Learn More About The Amex Gold Card: danielbraun.me/Amex-Gold
💳 Learn More About The Amex Blue Cash Everyday: danielbraun.me/BlueCashEveryday
💳 Learn More About The Chase Sapphire Preferred: danielbraun.me/Sapphire-Prefe...
💳 Learn More About The Chase Freedom Unlimited: danielbraun.me/Freedom-Unlimited
💳 Learn More About The Citi Double Cash: danielbraun.me/Double-Cash
💳 Learn More About The Amex Platinum Card: danielbraun.me/PlatinumCard
💳 Learn More About The Bilt Mastercard: danielbraun.me/Bilt
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CHECK OUT SOME OF MY OTHER VIDEOS:
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How To Redeem Chase Points Like A Pro (Part 2): • How To Redeem Chase Po...
How To Redeem Amex Points For MAX VALUE (Beginner’s Guide): • How To Redeem Amex Poi...
How To Redeem Amex Points Like A Pro (Part 1): • How To Redeem Amex Poi...
The 8 BEST Credit Cards of 2023: • The 8 Credit Cards You...
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DISCLAIMER: Some of the card links and other products that appear on this website are from companies which Daniel Braun will earn an affiliate commission or referral bonus. Daniel Braun is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers.
The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
Daniel Braun is not a financial advisor. This video is for entertainment and educational purposes only, it is not financial advice.
More Videos From My Channel: / @daniel_braun
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The NEW LOOK ....EDITING IS CRAZZZZZYYYYYYY DB! Who else thinks the editing on this video is BONKERS? Great job by you and your team Man!
Haha now its got me wondering if he ever was actually in that living room setup
He said he would hire a profession editor soon
Talks waaaaaay too fast! Can't watch.
@creditczar6979 lmao if you think that, then just watch the video in 0.75× speed
@@creditczar6979crazy enough I listen at 1.25 or 1.5 speed cause I don’t have time to waste
Great picks here Daniel! Love how you talked about specific characteristics of the reasons each Cards made your list and how you separated the Cards into Travel & Cash-Back setups, since spending/travel preferences differ from person to person.
Great video! These are getting better every time. I would swap out the Freedom unlimited as a catch all for the Venture X in this set up. You get 2x on everything, increased point diversity, a ton of travel perks and an effective annual fee -$5.
For a lot of people, cashback is all they need but it definitely varies person to person! Love the credit card picks!
Great vid man! My current setup is Venture X (travel, catch all) Amex Gold (groceries, dining) Citi custom cash (gas) and Bilt (rent) 👍🏽
That sounds like a really good setup 🔥
You helped me feel confident enough to get my first card!!! Love your videos!
Great video Dan. I like the "combination wallet" that features a good catch-all cashback card (2.62%), a 5% gas card, dining card, supermarkets (3.5-5%), and then a good quality travel card or two. It works. This is great. Thanks for sharing as usual.
Thanks so much Scott! Yeah you can definitely combine travel and cash back cards to create a great hybrid setup - for me my gas card as the Custom Cash at 5% is cash back right now
Editing is fire. Great job to whoever you hired!
Awesome video! Just got the CFU and I’m waiting 3 months to get an Ink Cash and waiting 6 months to get a CSP!
Your channel is amazing man. Thanks for providing all of this information. Credit is such an important aspect of finances that no one really talked enough about to me growing up.
I love your videos, the effort and explanation are just perfect. Thanks!!!!!!
As always your videos are excellent. I started to recommend them to my peers and co-workers looking to get a new CC.
Perfect timing. Because I have been learning about credit cards for a good week. And these definitely have been in my mind to get. Still debating which card to get next. Super excited
Go big and get Amex plat like I did
I used to be team cash back but now that I’m older and looking to explore more I decided to switch to team travel points. My plan so far is looking very similar to what you have here.
Great video! Great editing! Very solid lists.
To me optimal cash back cards is yearly 4-5% no annual fee in the top 3 spending categories -- groceries, restaurant/fast food, and gas. That would be the AAA credit card for 5% groceries, US Bank Altitude Go at 4% for restaurant/fast food, and Citi Custom Cash at 5% gas.
Great vid Daniel! Loving the videos. 💪🏼
Dangg, I just got my Chase Trifecta (CFU, CFF, CSP) and thinking what other credit cards will compliment this set up (mostly for points and travel partners). You keep posting contents and videos at the perfect time, right when I need them. Thank you.
Congrats on the trifecta! im rn on CFF, CSP, BILT, Amex Gold
Another great video! Thank you for these, it’s really help me learn how to use CC to my advantage
Thank you so much Jon! I love to hear that the videos have been helpful!
Daniel is the new Steven Spielberg of credit cards dang 👏🏻
Thanks for the video. Surprised the cap1 vx didn’t make the travel list
Great video, loved the content! thank you. Was looking forward to a un-pixelated version of the 0:33 image with all cards in one place but didn't get it. Also, the background music sounds like a haunting melody, specially on 1.5x speed; I actually paused the video a couple times to confirm it's coming from the video.
Great video Daniel! Love the content. Keep ‘em coming
Thanks so much Ed! Really appreciate it!
Personally, I’m team travel all the way right now, but I do love the simplicity of a good cash back setup too. I think a mix is a good way to go, which is why I love Chase so much. Being able to redeem for 1 cpp in cash-back form and also transfer out to travel partners for at least 2 cpp or more makes their card super viable for someone trying to play both sides of the credit card game. Super solid video here Daniel. The editing makes me more and more jealous by the video! 🤣
Spencer questions does United have a lounge
I see the Delta lounges just wondering if United has one
@@Anthonyjones-pq4ff Yep United has lounges called United Clubs. I've heard good things about them!
@@SpencerJohnsonOfficial was booking a flight ✈️ but didn’t see any of them listed like with Delta that listed their lounges
When booking with Amex platinum card
Looking forward to visiting the lounge
@@Anthonyjones-pq4ff They are a Chase transfer partner so I'm not sure that Amex would show them in their systems 🤷🏼♂
Well done on the video editing!
I always love getting to see how people build out setups! For me it a seems like the SavorOne is a bit redundant as a “food card” in this cash back setup since the Freedom Flex and the Amex Blue Cash Everyday each cover restaurants and dining respectively. Might be useful if one were spending a lot on entertainment (or Uber for the 10x back), but as a “food card” it’s maybe not really needed? It’s a great no-annual-fee alternative to the Gold Card in the travel-centric setup though IF one were inclined to get the VX instead of the Platinum. And if one went that route then that covers the catch-all, and the Freedom Unlimited could make way for the Bilt card in the travel setup. Oh, so many options! 😂
Haha I hear you Adam! Yeah there's so many possibilities and this didn't even cover the Capital One duo of the Venture X and SavorOne (which I think are highly underrated - video coming soon!)
Thanks for watching and commenting!
Ironically I am new to credit cards and was already eyeballing all the cards on the cash back side that he mentioned, but I thought that the us bank altitude go card would be better for the food and dining card since it has no annual fee and gives 4% back on dinning and fast food too
100% worth it to hire an editor. Great production value!
Absolutely! I love the work that my editor has been doing so I'm glad to hear that you agree - thanks!
Saw a similar cash back setup, but they used the freedom cards instead of the Discover and Double Cash. I assume the switch was for the sign up bonuses as the Discover and DC don't have one.
Solid setup since each card can be leveraged in multiple places. Bet you could switch it up every quarter and have a different combo for a couple years.
I am team cash back, so for me the perfect set up will be us bank altitude go for dining, AAA daily card for grocery, BOA custom cash for online shopping, citizens world MasterCard for everything else. Most of these card doesn’t charge foreign transaction fee and none of them has annual fee. I don’t really like AMEX card because there is a change some places don’t accept them and I don’t wanna bring a card out just to learn some places don’t accept them
Love the video's. Im building my travel card lineup. Recently got the Sapphire Reserve. I do have an Amex card thru my credit union (20,000 point for 2k spend 3x of gas, food and groceries, 1 for everything else. Best part, no annual fee, intro apr of 1.99 then regular 14.25% American Express needs to have into apr along with the sign on bonus.. I may get that Amex Platinum in January 24"
Your editor is fire… love the new look
Thanks so much Xaviera, glad to hear you like the editing! I'm really happy with what my editor is doing
I just added AMEX BCE and CSP to my setup. Also have Navy Federal Flagship Visa and More Rewards Amex - no pts partners but 3x cash back ($0.01/point) values in high spend categories (travel, dining, gas, grocery, transit). Your thoughts on Navy Federal cards?
Thank you very much Daniel! Love your videos, and I find them very helpful! So much so that I got myself into the Chase Trifecta with the CSP, CFF, and CFU. Love the set up and the fact that both Chase Freedom Flex came with a 1 year 5x back on gas and Chase Freedom Unlimited 5x on grocery for the first year. My set up is currently perfect, but I can't help but think once these 2 categories go away... I was curious if you could give me your thoughts on the Triple AAA Daily advantage card? Or even better if you could do a video review! The reason I bring this card up is that it would fit the gaps perfectly for complimenting where the Chase Trifecta lacks. First off it's a Visa card and can be used at Costco getting back 3%! 5% back at normal grocery stores, and 3% back on gas or EV. I'm leaning towards this vs. having to get both the Savor One and the Citi Custom Cash to cover all of my bases. I know this is a nuanced question, but I appreciate any insight as this Triple AAA card is rarely talked about on TH-cam, but has powerful earning potential.
The AAA cards from Comenity Bank seem like solid cards. Adam from ProudMoney did a video on them. th-cam.com/video/Q0UXwz_UjtE/w-d-xo.html
@Daniel do you recommend applying for a new credit card while having a high utilization? I’m in the process of paying off all my debt. I know a new credit card will expand my limit which means my utilization will go down. Do you recommend for me to keep lowering my balances before I apply for the new card?
Heads up, Chase currently has a bonus to apply for the sapphire preferred in a chase branch to get a 90k sign up bonus instead of 60k after the required spend.
Hello is the 90000, bonus still going on right now?
@@nicholasbustos6787 No, I got my card last week, I get 60,000 points after spending $4,000 before December 21, 2023
Thank you for this video
Just watched and wanted your opinion, if you are wanting to travel in the next year and your credit score is in the mid 700 (740 ish) would you recommend going for the chase sapphire first or try to go chase unlimited and work your way into the sapphire 6 months later to be safer?
I have the same set up
Except I DONT use the Amex gold.
It’s not worth the AF imo because I don’t use the stuff needed to get the $240 back for the year on it.
Also the sapphire pref. Is good enough for food purchases at 3x points (restaurants/ online groceries) and you can use the custom cash for 5% off grocery stores… then pay cash for gas at the pump, which is cheaper than hat they charge when you pay with card anyway.
I don’t like the idea of having points with chase AND Amex it would take too long to get enough points with both to book travel flights with… meanwhile carrying the AF on the cards over time reduces its value.
I think having all my point on chase is better since I’d be able to stack up the points faster and book travel more frequently. There’s value in that for sure.
If your a type of person who uses the Gold AMEX in the way u need to get the $240 back then it makes much more sense, but I don’t. I feel like a credit card should fit your life style not us changing our habits to fit a card
Great vid!
I want to do a hybrid type set up so I can get free travel and a some savings through cash back. For me, I will rock: Discover It, Citi CC, C1 Savor One, C1 Venture X, and maybe the Bilt card if it fits my needs in the future.
Thanks for this great video I watching you from Saudi Arabia 😊
A lot of people like the simplicity of cash back, but I think if you travel at all, the travel setup is the way to go hands down. Just makes financial sense.
Yeah I think most people will travel at least once per year if not once every 2 years at a minimum so a travel setup is better at saving money for either flights or hotels in some way. I agree that travel is the way to go over cash back for the greater upside value - plus it's really fun finding good redemptions so it's also a hobby for me haha
@@Daniel_Braun Exactly! And it's fun to see how nice you can travel (with even just an average income) using points. It's a fun hobby for sure.
Does running a youtube channel around travel ever make it feel more like work than fun? Some people say not to make your passion your work, because then it just becomes work haha.
@@EthanPatrick_CreditCards right now I’m asking myself if it’s better to use the 1.5% cash back chase freedom or the 2% cash back from citi double cash card. On the surface, you’d think the citi card is better but after watching many of these videos, I’m thinking it’s better to use the chase card; especially since I just got the sapphire preferred card for the 80k bonus.
Thoughts?
@@EthanPatrick_CreditCards ha, I just finished watching the video and he explains that the chase card is better. Yea, I’m gonna have to start using that card instead over the citi card.
@@aaronqueen55 I’d go with the Chase 1.5% back like Daniel said. It’s good for multiple reasons, like 5/24 and also having a small amount of many currencies can be a lot less useful than focusing on one points currency.
The freedom unlimited is a great card with a solid sign up bonus (the double cash has no bonus) and the chase transfer partners are better than Citi’s. I think you’ll get a lot more value from it.
You know I don’t know what anyone is talking about with the sound effects, I can barely hear them haha.
My videos have way more sound effects, now I’m realizing I should cut back tremendously now.
Very thorough look at these cards as well, very nice Daniel!
Do you recommend any credit cards for personal purchases
i feel like you made this really easy and really complicated at the same time
So I currently have the Freedom Flex, Sapphire Preferred, Prime Rewards, and Apple Card. I really want the Amex Gold now, but I wonder if that will overlap with the earnings of my current cards
Hey Daniel, quick question, you put the citi custom cash in the travel setup but no premier, would that just mean you recommend jjst talking that cash back on the 5% instead of points?
very good video!!!
Thank you so much for watching, glad you liked it!
Daniel, I have a question. I have a Gold card and was just offered to upgrade to a platinum with 100k points bonus after I meet the minimum 6 month spend.
If I upgrade and get the 100k points, will I lose those points if I downgrade back to the gold in a year?
What do you think of the WF active card vs the Citi double cash card?
How about the US bank cash+ vs the Citi custom cash?
I like the blue cash preferred from american express for groceries. The 6% cash back is the best I have found!
Agreed. I use the BCP for 6% groceries and streaming. Fantastic card as long as you are spending at least $3500 on groceries every year.
@devlin76 , in today's economy, that should be easy.
The double cash I gamed for a while and the point tracker was very confusing it never goes to zero so I feel like I left points on the table
Had the citi premier card for the welcome bonus, then downgraded to citi's reward+ after a year. That makes my citi points 10% more valuable in the portal, which brings my custom cash to 5.5x points on purchases in the category of my choice (gas rn). Thought this was a fun hack.
Is there a way to by pass the income requirement for the sapphire preferred card or u have to have a high income in order to get it
What software do you use to edit?
What about the Wells Fargo Autograph? I've been considering between that card and capital one savor.
For the Bilt card, if I am trying to pay my rent with that card while living overseas(currently active duty) will I still get the same benefits as I was in the states living in?
Can you show how to book that free night through Chase using their cc?
At 6:16 when he says "subscribe" the sub button glows. when the fuq they add that
Fantastic video Daniel!
how can you apply for your cards if they are not approving you specially for starters or new to america which card you recommend first,we are foreign just arrived in this place.
Can you be aproved the capital one savor one student with no credit history (looking to get it for my first card)?
Do you recommend the Apple Card now that they're allowing you to put your earnings into a high yield Apple savings account?
Hey Daniel for a hotel card under $100 (disregard 5/24 or amex rules 760 credit score) which would be your choice. Personally im between world of Hyatt or IHG premier. Id love your opinion on which to get.
If you want a really cool redemption option for IHG, crowne plaza in Rome can be booked 8 nights for 175,000 points, which is basically what you’ll get by finishing the sign up bonus right now!
THANKS!
My wealth advisor roasted me for only having 1 CC, still indecisive on what other CC I should open but this helps haha
Something I’ve noticed looking through these cards and trying to build my own credit set up is that a lot of them exclude Walmart and warehouse stores, which is a big chunk of my grocery spending. Does anyone have any recommendations to maximize the amount of rewards for this?
I don’t see the US Bank Altitude GO. Being brought up as alternate to the Amex Gold card.
Zero annual fee with the same 4X point.
If you were to recommend a 2 card setup for the average Joe to apply for and hold forever for a bit of both cash back and travel points, what would you recommend?
I sort of end up doing this, though I don’t think it’s for everyone. I do most of my grocery shopping at Whole Foods (make fun of me if you must) and do most of my “regular” shopping on Amazon. Amazon card gets me 5% back at both of those places. Almost everything else ends up on the world of Hyatt card so I can spend 15k for the free night certificate. Only thing I would add is the Bilt card to give you the super power of paying rent with a CC and get points (that I can transfer to Hyatt).
A more common man version of this would be the Venture X and Savor cards from capital one. Could see that being a lot more useful to those outside my spending habits.
I feel like 2x rewards from Wells Fargo would be better than citi double cash just because of the $200 sign up bonus
With the rotating category cards, do you choose your category or does it rotate based on the card issuers schedule?
It changes based on the card issuers schedule - they usually announce the new categories a couple of weeks before the start of a new quarter
What’s up with the ending bro? Did your editor forget to add the ending? Or is an abrupt closing the new norm?
Can you talk more about the BILT?
So I like the travel setup. Just got the Chase Sapphire with the 80,000 points. What is your main spend for the chase preferred?
Also since I have 3 Chase cards can I pool all the rewards together?
Why are not all the cards mentioned in the video not in the description with a link?
I'm somebody that can't decide if they should put all their efforts into the cash back route or do a little of both so I can travel one day and have it be cheaper?
Can you apply from these from the UK?
Is there a strategy you would suggest to be able to apply to a few of these credit cards while minimizing the number of hard inquiries applied? I was hoping to apply for the CFU, Bilt, and Amazon card with a FICO score of 786 and I already have three credit cards (Wells Fargo Platinum, Discover It, Apple)
Apply for them at the same time. You will get dinged but all of them will fall off your credit after 6 months instead of spreading it out.
Travel rewards require way too much time to configure maximization. Not to mention, it limits your flight options when trying to book flights with rewards.
I value my time too much. I'll stick with team cashback.
Wells Fargo Propel, Propel 365, and Propel World accounts will convert to Wells Fargo Autograph Card on May 24, 2023. All three are American Express cards, while Autograph runs on the Visa network. There is no option to opt out of this switch.
Apply for the autograph before the switch to get the SUB. Then the card will switch to the active cash.
I get the cash back side but no idea why the travel cards are all over the place with nearly every one being part of a different reward network. You're simply going to end up with a a few thousand points in every pot not able to really utilize them with one of the annual fee cards to best utilize the points usage.
WF active cash and autograph should be there as 5th option
I'm debating if i should complete the Chase trifecta (need CFU and CFF) and Ven X (3 new cards in total) or a setup like VenX and CFF is enough in itself? I already have CSP, Amex Gold and Amex Blue Everyday
All great cards so it all depends on what categories you're looking to get those cards for and whether you prefer to earn points for travel or just cash back (or both)
Hi Daniel, thanks for responding. The intent is to use it for travel. VenX does give 2x on everything so does it make sense to get CFU to complete the trifecta?
great video! are you still making a 2 player mode with credit cards? i know you mentioned it a couple of videos' ago. i want to see the strategy for me and my wife.
Question, so I recently got my freedom flex 2 and a half months ago. Last week I got the freedom unlimited. Now how long should I wait until applying for the Sapphire Preferred? Reference - I have a credit score of around 694
Not apply until pre approval which you should’ve got by now. I got it but didn’t apply because of annual cost. Maybe later when I want to get the bonus
Question, what card would you guys recommend next for me. I currently have the discover it, Apple Card, freedom flex and sapphire preferred
I will ask this here because I couldn't, for the life of me, find out online or in other videos. I'm slowly getting my card setup but is it worth it to put a charge on my older cards every month to get more on time monthly payments? Or should I just put one every 6 months or so to just keep it open and use more money on my better cards?
Closing out a card can impact your credit history but it probably wouldn’t hurt to keep making small on time payments. Probably won’t find an answer on the internet but it is more personal choice.
If you have 100% on time payments, then the number of new payments added does not matter much. If you missed a payment in the last seven years, then every on time payment you add to your history is going to help the percentage for on time payments go up.
My most common used cards right now... (OG 2014) Chase Freedom for Quarterly 5% --- CSP for intro bonus/travel/streaming/dining -- Amex Gold for intro bonus/ Dining/groceries -- CapitalOne Venture X for intro Bonus/primary travel card/catch all for 2x ---- Apple Digital Card for 3% back at apple vendors, using as gas card at Exxon/Mobil.... My approach was I wanted to hit the Intro bonus/travel options and build credit resume with Chase/AMEX/C1... so I have a lot of flexibility/diversity to transfer to tons of partners.
My savor one card counts Wawa purchases as “gas/ automotive” would the citi custom cash card count Wawa purchases if gas is my highest spend category?
We don't have WaWa where I live but all of the gas / convenience stores in my area count towards the 5% category, both inside and at the pump.
Great vid, but I'm surprised to not see the Bilt card, given that rent is generally people's biggest expense (if they rent) and Bilt has great benefits.
Hey Matt, I included the Bilt card as a bonus at the end! The problem is that I only have 5 cards to work with in each setup for this video and not everyone rents. But if you do rent like me then I think it’s a great card! One of my new favorites that I have as well 👍
@@Daniel_Braun Yeah - I think it will be a great one for our kid, who just finished their PhD
The savior is just get the us bank card 5 cash back restaurants and other categories like gym
I have the Chase Freedom Student, do I get a signup bonus if I upgrade it to the regular Freedom Unlimited or Flex, Sapphire? I want to upgrade or change product when I get out of school and not close the account.
You would not get a sign up bonus if you upgrade to any of those cards - only if you open a new card account with one of those options. So typically what people do is they keep the Freedom Student card open as a separate account that continues to age for no annual fee
Thank you for clarifying and HUGE THANKS for making these vids!!! As a college student wanting to get a good financial foundation, your content made me feel better about making important decisions to help my future self! Just in the last six months I was able to raise my score an avg. 40+ pts across my vgpt3.0’s and 50+ pts across my Fico8’s. Before, I just had two installments of fafsa loans sitting there, but now, I have a D-it cb (since Aug 22), plus that Chase FS (since Dec 22). I meant to wait the recc. 6mos, but something happened and it ended up actually applying when I was just trying to see what my limit would be haha. Debating on whether to get the CF Flex or Citi CC in June
Your linked video is not showing in the end credits :/
Citi custom cash card. I believe is the best card out there because the 5% cashback on whatever category you pick.
Such a great card!
Shouldn't the Chase prime card be on the travel side? Since it's a Chase card, you can also combine the prime card points with the other Chase cards, which makes the Sapphire Preferred 25% boost even more powerful.
Ok, I just found out that prime points can't be transferred to the other Chase cards.
Can I have travel credit cards and use them in Europe
I'm at a 700, asked capital one to increase my 300 limit on my quicksilver and they said no... a week later I applied for the capital one venture card... gave me a 7k limit. Make it make sense. 😆
Don’t sleep on Wells Fargo cash back card 2%
Doesn’t it bother you to have to multiple cards with multiple ecosystems?
Daniel,
I’ve been waiting to get a chase card for years. I finally got my credit score under 524 but chase still won’t approve!? How low do I need to get it?
don’t you mean trying to raise your score? a low score will not get you access to many cards. a score in the 700s/800s is better
Well that's the problem. You're trying to lower the score when you should be raising it. Higher score is better.
Is Costco considered a grocery store even though you can buy everything there?
No. For credit card categories Costco, Wal-Mart, and Target are almost never considered grocery stores.
A sales person that you can't avoid!