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A side from Chase....

New Contributor

A side from Chase....

Not counting Chase because I know people like the Chase combo with the sapphire preferred and unlimited cash back card what are the best card combos to have to be able to maximize on their purchases?

 

Right now I only have the Discover it I use as my main card still within the first year match the marvel card and the capital one quicksilver 1.5%.

 

Store cards I just have a j crew and a nordstrom rack everything else I got rid of because I didn't want to have a bunch of cards I don't use.

 

I was looking into getting the double cash once the discover it match year comes due but I wanted to reach out to see how myfico folks play the game Smiley Happy


7 REPLIES
Established Contributor

Re: A side from Chase....

Chase is the 1 2 punch for UR's.  Amex you can utilize ED, EDP and PRG to generate MR points.  DC is a good pick up when DCVR double runs out.

Amex PRG =Amex ED 25k = Amex Delta 2k = Amex BCP 6k = Arrival 7k = BOA 321 25k = BOA BBR 5k = CSR 20k = Freedom 10k = Marriott 5k =Ritz 5k = Citi Simplicity 9k = Citi DC 5k = Citi DP 3k = DCVR IT 11k = CAP1 QS 15k = TR Visa 8.5k = NFCU 24k/CLOC 15k = BBVA 10k = Wells Plat. 5k = US Bank Cash+ 11k

FICO scores TU 764 EX 739 EQ 745
Valued Contributor

Re: A side from Chase....


JustBPatient wrote:

Chase is the 1 2 punch for UR's.  Amex you can utilize ED, EDP and PRG to generate MR points.  DC is a good pick up when DCVR double runs out.


EDP and Platinum make a decent Amex combination. I think EDP and PRG overlap a bit too much; better to pay more and get serious perks with Platinum. I used to have both, but downgraded my EDP to an ED since I found myself too focused on my transaction count.

 

Instead of apping for a DC, maybe pick up a card with a nice travel bonus and PC to DoubleCash after the first year.

Perks, purchase protection, and sketchy merchants: Schwab Platinum.....Price rewind and extended warranties: Costco.....Travel insurance: Prestige.....Renewal nights: IHG, Hyatt.....Rewards/Offers: Discover, Freedom, ED, BCE.....Taxes/Misc: SPG...Questioning the value of: CSP, Arrival

760ish FICOs...Rebucketing hurts!
Total CL: Enough
New Contributor

Re: A side from Chase....

Thats what I was thinking but I have once or twice been hit with visa or MC only at certain places and I'm always nervous walking around with just discover, if they don't accept it I'm SOL.  I am in the 5/24 so I am kind of locked out from Chase right now. 


Valued Contributor

Re: A side from Chase....

I really like the EDP and Platinum suggestion but make sure you're ok with the 550 AF
American Express PRG__American Express BCE__Chase Amazon__Chase United TravelBank


Valued Contributor

Re: A side from Chase....


12velectronics wrote:
I really like the EDP and Platinum suggestion but make sure you're ok with the 550 AF

Don't forget the EDP fee...so it would be $95+$450=$545 or $95+$550=$645.

Perks, purchase protection, and sketchy merchants: Schwab Platinum.....Price rewind and extended warranties: Costco.....Travel insurance: Prestige.....Renewal nights: IHG, Hyatt.....Rewards/Offers: Discover, Freedom, ED, BCE.....Taxes/Misc: SPG...Questioning the value of: CSP, Arrival

760ish FICOs...Rebucketing hurts!
Total CL: Enough
Frequent Contributor

Re: A side from Chase....

Freedom, CSR, BCP, It, and NFCU CashRewards are my drivers. Freedom or Discover for gas right now because of 5%, BCP for 6% groceries, Discover for 5% BJ's wholesale right now, Cash+ for 5% cell phone, CSR for dining out and any travel purchases. Cash Rewards for 1.5% everywhere else. So psyched for 5% drugstore purchases next quarter with the Freedom and Discover with 5% for home improvement (get to buy my gardening supplies!).


Highlighted
Valued Contributor

Re: A side from Chase....

Depends on what you're looking for and how many cards you're willing to combine. For me, this is what works best:

- Discover for whatever 5% category they have if it's useful plus Discover deals.
- Chase Amazon for 5% on Amazon with prime.
- Costco Citi Visa for gas (4%) and dining (3%).
- Bank of America Cash rewards for Costco warehouse (2.2% including checking redemption bonus)
- Citi Double Cash or Capital One Quicksilver for the rest.