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Recommendations on which cards to use for monthly expenses?

Moderator Emerita

Re: Recommendations on which cards to use for monthly expenses?

Contributor

Re: Recommendations on which cards to use for monthly expenses?

Good on ya OP. you have a great collection there.. Yes, the CSP can be for dining anywhere, and it's 2X points. I use it all the time.. Stay in the garden,and I do support ya, as I know that new card temptation, believe me.. It's good though to look for cards down the road though as a goal.
Super Contributor

Re: Recommendations on which cards to use for monthly expenses?


PleasantlySurprised wrote:

@ rex_03 & longtimelurker:

 

Thanks for the suggestions!!  I will keep those in mind for the future.  Unfortunately I'm in the garden right now...for a long, long time (see, MJ? Still in the garden despite the temptation!  Smiley Happy).  Most of my cards have been opened in just over the last 2 months, so I need to cool it for now.  The AmEx is definitely on my list for next year and possibly PenFed too, now that you mention it.  


Lol

Ok you got me 

I was watching tho Smiley Tongue

Amex Amex AmexSmiley Wink

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Super Contributor

Re: Recommendations on which cards to use for monthly expenses?


09Lexie wrote:
That's what we are here for!


+1

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Contributor

Re: Recommendations on which cards to use for monthly expenses?

Depending on your 'other' catergories, consider U.S. Bank Cash+.

it has a 5/2/1 structure, but has a $25 bonus when you cash in at least 100 dollars in rewards (only once a year though)

effectively 1.25% 'other', 2.5% Gas or Groceries or Pharmacy (looks like gas should be your choice here), and 6.25% 2 selected catergories from a long list.

 

If you find that the spend a few hundred a month in the 5% catergories that they have it could be a cash cow.  Electronic Stores and Dept. Stores are my go to catergories most quarters.  though furniture stores, hotels, restaurants, or fast food could also a winner for you.  

 

You do have to apply in branch now, so if you do not have a us bank nearby it could be a problem.

 

Age 29
AU- United+ Visa 33k, *97. GM MasterCard 15k, *95.
Individual- PenFed Plat Rew 7k, *08. Amex Blue 6.7k, *12. Hilton Amex 5.5k, *12. Chase Sapphire 15k, *12. U.S. Bank Cash+ 12.3k, *12. Barclays Priceline.com Rewards Visa 11k, *13. Citi DoubleCash (PC'd in *14) 7k, *13. Club Carlson Premier 9k, *13.
Super Contributor

Re: Recommendations on which cards to use for monthly expenses?


pkosheta wrote:

Depending on your 'other' catergories, consider U.S. Bank Cash+.

it has a 5/2/1 structure, but has a $25 bonus when you cash in at least 100 dollars in rewards (only once a year though)

effectively 1.25% 'other', 2.5% Gas or Groceries or Pharmacy (looks like gas should be your choice here), and 6.25% 2 selected catergories from a long list.

 

If you find that the spend a few hundred a month in the 5% catergories that they have it could be a cash cow.  Electronic Stores and Dept. Stores are my go to catergories most quarters.  though furniture stores, hotels, restaurants, or fast food could also a winner for you.  

 

You do have to apply in branch now, so if you do not have a us bank nearby it could be a problem.

 


The effective 1.25 etc, was only true when the $25 bonus was unlimited.   Now the effective rate is "between 1 and 1.25%", "between 2 and 2.5%" etc, the more you spend, the lower the figure.

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Regular Contributor

Re: Recommendations on which cards to use for monthly expenses?

I recommend Sallie Mae world MC

5 percent gas up to 250
5 percent groceries up to 250
5 percent bookstores up to 750
1 percent everything else