Posts: 164
Registered: ‎01-11-2012

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

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

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

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)

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+