04-08-2014 01:09 PM - edited 04-08-2014 01:10 PM
Hmm a very good question. I think realistically I use 3-4/5 with the new additions:
AMEX Everyday Preferred - Any purchase less than $20 (have to hit that 30), Groceries (4.5x), Gas (3x) when non-category.
Barclays Arrival - Non-Category Spending, foreign travel, Utils or anything else I can put on there at the moment to earn the signup. This includes gas for the moment.
Freedom - 5x Categories only pretty much - meaning restaurants and home improvement this quarter, gas in others.
Intermittent - PRG - Airfares/work charges that are inconvenient to appear elsewhere.
SD - BCE, has been replaced and is basically a free history extension that I use for something small every month.
04-08-2014 01:10 PM - edited 04-08-2014 01:13 PM
Great thread! I have 20+ cards and am currently using only my Amex SPG to meet the spending requirements for the sign-up bonus. When not meeting spending requirements, I try to play the category game, but honestly, sometimes the game gets more to be more tedious than saving 20 cents is worth. My go-to card is the Barclaycard Arrival until I downgrade to the non-AF version, at which point I expect to use my Fidelity Amex.
The only with an AF that I see myself using a year from now is the Marriott card.
Managing my Google spreadsheet is fun, but since I pay off the balances by statement close date (for reporting puroses), I really need to be on top of it if I play the category game.
04-08-2014 01:55 PM
BCP for grocery store spend
Freedom for any bonus categories (restaurants this quarter)
CSP for restaurants when not Freedom quarter, also for travel expenses. CSP tends to get most of the misc non-cat spend.
Amex PRG I usually throw some expenses on this card each month so it sees some use. It will probably get ditched when AF is due.
Citi AA Executive - did a massive amount of spend over the last two months on this card to meet initial spend bonus, but doubtful it will get much use going forward
Cap 1 Venture- Doesn't see any use anymore and will probably get PCed when AF comes due next month.
Total 4 out of 6.
04-08-2014 03:31 PM
I use my AMEX Fidelity for regular spending.
Chase Freedom for restaurants
Sallie Mae MC for gas
And Quicksilver for everything else (once I recieve it in the mail of course)
04-08-2014 06:12 PM
04-08-2014 07:23 PM
04-27-2014 08:04 PM
04-27-2014 11:15 PM
I currently have 9 TLs, but I mostly use:
Sallie Mae WMC: gas & groceries (most used card by far!)
US Bank Cash + Visa Sig.: fast food & cell phone bill for 5% and drug stores 2% (when this quarter ends, I'm going to select restaurants instead of cell phone)
Chase Freedom Visa Sig.: miscellaneous bills and restaurants this quarter
Amex TrueEarnings: Costco membership and purchases that I want extra protection for
In August, I plan to app for Fidelity Amex and hopefully will be approved. When that happens, I will probably tweak my line-up a bit and make Fidelity Amex more of a catch-all daily use card and for bill pay when Amex is accepted (Freedom if not). I also plan to close a few cards that I'm not using (Citi, Discover, etc).
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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.