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Posts: 164
Registered: ‎01-11-2012
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Seeking advice on what 3 cards to keep in Wallet

Looking for outside opinions on which three cards to carry (I like to carry 2-3 and my wallet will only hold 3 credit cards plus a debit)


I have:


Chase Freedom Visa (10 + 10 checking combo, 5% back rotating categories)

Penfed Plat Cash Visa (5% Gas, .25% everything else)

Penfed Defender Amex (1.5% CB automatically)

BoA Travel Rewards Sig (1.5% back in form of travel credit)

NFCU CashRewards Sig (1% cash back)


USAA World MC (just terrible rewards - not an option only pay my USAA insurance with it 1x a month)


This should be clear cut easy choice - but I'm HATING PENFED's website and inability to show pending transactions.  I check my statement every single day online - and it takes several days to post a transaction on my Penfed cards.   Though getting 5% back off gas is amazing. 


I was thinking:

Chase Freedom - Purchases under $10 and 5% rotators 

PENFED AMEX - Purchases over $10 for 1.5% cash back/monthly

PENFED Visa - Gas only 5%


I'm also debating which checking/debit card to carry, LOL, between NFCU/USAA/Chase since I have no account fees on any of them.  Just a matter of trying to keep things simple and effective!





Posts: 164
Registered: ‎01-11-2012
0 Kudos

Re: Seeking advice on what 3 cards to keep in Wallet

I ended up going with (for now):


Penfed Amex - Everything minus gas

Penfed Visa - Gas

NFCU CashRewards - Backup AMEX & PENFED

NFCU Debit Card


My pay goes into NFCU.  So for simplicity I will only have to really monitor 2 websites on a daily basis instead of 3-4.   


Thanks to everyone who contributed and helped me realize this!



Regular Contributor
Posts: 217
Registered: ‎09-25-2012
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Re: Seeking advice on what 3 cards to keep in Wallet

I would choose those three credit card as well. As for the debit I would choose chase since they have more ATM which is convenient.
TU 746 (10/13)
GOAL: 750+

Valued Contributor
Posts: 1,367
Registered: ‎04-20-2012
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Re: Seeking advice on what 3 cards to keep in Wallet

I think you made the right decision.

TU FICO: 800 (2/1/14) | CK Score: 802 (2/1/14) | CS Score: 805 (2/1/14)

J.P. Morgan Palladium ($250k) | AmEx Platinum (NPSL) | AmEx SPG Personal/Business ($50k/$50k) | Citi Executive AAdvantage WEMC ($50k) | Citi Dividend WEMC ($50k) | Chase Sapphire Preferred VS ($50k) | Chase Ink Bold WEMC ($50k Flex) | Chase Ink Plus WEMC ($25k) | Chase Freedom VS ($25k) | Chase Freedom WMC ($25k) | Chase MileagePlus Explorer ($25k) | Chase Southwest RR Plus Business/Personal ($15k/$15k) | Barclays US Airways ($25k) | Barclays Hawaiian Airlines ($25k) | BofA Alaska Airlines ($10k) | Lexus Financial Services ($30k) | Mercedes-Benz Financial Services ($50k)

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