10-22-2012 03:39 PM
10-22-2012 03:39 PM
My personal favorites:
Amex BCP - 6% groceries more than covers the AF
Freedom - great for rotating categories, esp restaurants
Amex Costco True Earnings - 3% at Costco gas and 2% restaurants
Pen Fed Cash - for 5% gas when not near Costco
(I may consider a Chase Sapphire Pref after all the great things I have learned about the card here)
You really need to look at where you spend your hard earned $$$, and then you will figure out which are right for you. And be careful when adding them to your wallet - most have sign on bonuses that are awesome but require varying degrees of spend ( and you don't want to over spend just to get a bonus)
10-22-2012 03:43 PM
10-22-2012 03:47 PM
There are cards combined that eat the us bank. However the us bank card is nice if you only want a one man army card. No caps is nice but if freedom is offering 5% on gas for the quarter its simply a better route to take if you don't plan on spending more than 1500 in gas.
There is also the penfed card that offers 5% on gas with no caps
Amex BCP offers 6% on groceries.
Exactly but if you could have only one? With the $25 gift card and a checking account, the 5% categories are really closer to 7%. I agree though that the Freedom and BCP are necessary to maximize your cashback.
10-22-2012 08:37 PM
Can someone explain the freedom/dividend/discover (which discover?) To me? Is it better than freedom/CSP/checking combo?
Freedom/Dividend/Discover More/IT all have rotating 5% categories. So when you have all three, you have more ways to get 5% rewards.
Freedom/CSP is the combo used by frequent flyers so they can transfer Freedom 5% UR points to the CSP, and then do what they please from there.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.