Cashback without carrying 20 cards.

[Anonymous]

I'm reducing the number of credit cards I have without losing cashback benefits.

Office supplies: 5% amex simplycash
Wireless: 5% amex simplycash
Internet: 27% bofa bbr
Grocery: 6% amex bcp
Gas: 5% Sam's MC
Travel: 3% Sam's MC
Restaurant: 3% Sam's MC
Misc: 2% Citi DC
Keep freedom and it for cat bonus.
Total af is $75.

So, that's 7 cards that should cover most categories. Bbr is on auto pilot and can be left home. Max, I would be carrying is 5 cards.

Any other improvements you guys can think of?

[Anonymous]

Added benefit, I get fico score from eq, ex and tu.

[UncleB]

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@Anonymous wrote:
I'm reducing the number of credit cards I have without losing cashback benefits.

Office supplies: 5% amex simplycash
Wireless: 5% amex simplycash
Internet: 27% bofa bbr
Grocery: 6% amex bcp
Gas: 5% Sam's MC
Travel: 3% Sam's MC
Restaurant: 3% Sam's MC
Misc: 2% Citi DC
Keep freedom and it for cat bonus.
Total af is $75.

So, that's 7 cards that should cover most categories. Bbr is on auto pilot and can be left home. Max, I would be carrying is 5 cards.

Any other improvements you guys can think of?

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Sounds like you have a good plan!

I actually use a 'condensed' version of your list myself, including the BCP, Sam's Club MC, Discover, and for the stuff that's leftover I pull out a Quicksilver.

I personally can't think of any way to improve on what you've listed. 

[Anonymous]

Ok, then it's time to drop some cards.
First round:
Drop home depot, walmart, csp, amex gold, arrival, arrival+, aviator, Sallie Mae, and rewards MasterCard.

[Ghoshida]

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@Anonymous wrote:
Ok, then it's time to drop some cards.
First round:
Drop home depot, walmart, csp, amex gold, arrival, arrival+, aviator, Sallie Mae, and rewards MasterCard.

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Any chance that Barclays will convert one of its cards to the Sallie Mae?

if it does then keep the two Sallie Mae and ditch the AMEX BCP. I'm guessing you'll still get the AMEX offers on your simplycash. 

[Anonymous]

Sallie Mae is not more. Besides, I'm closing business with Barclay.

[Ghoshida]

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@Anonymous wrote:
Sallie Mae is not more. Besides, I'm closing business with Barclay.

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Well then, no more suggestions from me

[Anonymous]

I thought of closing bcp, but then I'm losing 23 years of aaoa.

Amex said, I made $150 so far this year through amex offer. lol

[NRB525]

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@Anonymous wrote:
I'm reducing the number of credit cards I have without losing cashback benefits.

Office supplies: 5% amex simplycash
Wireless: 5% amex simplycash
Internet: 27% bofa bbr
Grocery: 6% amex bcp
Gas: 5% Sam's MC
Travel: 3% Sam's MC
Restaurant: 3% Sam's MC
Misc: 2% Citi DC
Keep freedom and it for cat bonus.
Total af is $75.

So, that's 7 cards that should cover most categories. Bbr is on auto pilot and can be left home. Max, I would be carrying is 5 cards.

Any other improvements you guys can think of?

---

You are missing the mention that BCP covers 3% at many department stores.

Having said that, the Cash+ can select each quarter from two of these categories for 5% each:

Department Stores, Sporting Goods stores, Furniture Stores, Electronics Stores, Wireless/Telephone, Movie Theaters, Car Rental,

and the sleeper: Bookstores which can be interpreted as Amazon.

[Anonymous]

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@NRB525 wrote:

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@Anonymous wrote:
I'm reducing the number of credit cards I have without losing cashback benefits.

Office supplies: 5% amex simplycash
Wireless: 5% amex simplycash
Internet: 27% bofa bbr
Grocery: 6% amex bcp
Gas: 5% Sam's MC
Travel: 3% Sam's MC
Restaurant: 3% Sam's MC
Misc: 2% Citi DC
Keep freedom and it for cat bonus.
Total af is $75.

So, that's 7 cards that should cover most categories. Bbr is on auto pilot and can be left home. Max, I would be carrying is 5 cards.

Any other improvements you guys can think of?

---

You are missing the mention that BCP covers 3% at many department stores.

Having said that, the Cash+ can select each quarter from two of these categories for 5% each:

Department Stores, Sporting Goods stores, Furniture Stores, Electronics Stores, Wireless/Telephone, Movie Theaters, Car Rental,

and the sleeper: Bookstores which can be interpreted as Amazon.

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Bit of hassle, but I can use gift cards sold at office supply to supplement most of cash+ 5% categories.