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I think I would go with the AMEX BCP. 6% on groceries and 3% on gas.
@LS2982 wrote:I think I would go with the AMEX BCP. 6% on groceries and 3% on gas.
I agree with LS. But, since grocery isn't an everyday expense...it may benefit you to use the discover more during 5% gas times... both Discover (after 3k) and Amex give 1% on all other purchase.
So, I think either of those would be a good pick
@aamex wrote:
@LS2982 wrote:I think I would go with the AMEX BCP. 6% on groceries and 3% on gas.
I agree with LS. But, since grocery isn't an everyday expense...it may benefit you to use the discover more during 5% gas times... both Discover (after 3k) and Amex give 1% on all other purchase.
So, I think either of those would be a good pick
Yeah I would put that discover in the mix when the cas category is running.
If it were me, I would: get your united rewards fixed. It should be at 1 point per dollar for non united purchases. Then, pick drug stores for your us bank 2% category and restaurants/hotels for your 5%. Then use bcp for gas/groceries/dept stores, us bank for restaurants/hotels/drug stores, discover for rotating categories and united for everything else. United miles are generally valued at greater than 1c per mile. sd the Barclays.
My Break down I guess is the below:
Discover I use the 5% categories religiously for the quarter
Chase I stopped using for the time being (will def look into fixing the rewards program thanks for that tip)
US Bank I'm doing 5% restaurants/utilities and 2% drug stores
Amex BCP i use the 6% groceries very very often so will continue to use it for that.
Barclays is just $1 for 1 point
I've been using the USBank Cash + as everyday just because when redeeming $100 you get the $25. So thats where I'm kinda at. Not sure if I should app for another card or just fix the Chase Continental/United Card. Maybe PC it to Freedom or Sapphire.
Thanks for the responses so far
In my view, the term "everyday" card denotes a card used for non-bonus category expenses, such as the rotating 5% found in the Freedom, Discover, and US Bank Cash Plus.
The Fidelity Amex at 2% is a good everyday card. The Priceline rewards at 2% is also excellent, along with the Travelocity card. Anything that can achieve 2% (The Charles Schwab one was great) for *all* non-category spending would make the ideal "everyday" card.
I think the BofA no fee travel at 1.5% is pretty good.