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What cards to use for what purposes?

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IOGARCIA
Member
‎05-18-2013 08:39 PM
‎05-18-2013 08:39 PM

What cards to use for what purposes?

Say you were in my shoes, what cards would you use for what purpose based on perks?

 

BofA Cash Rewards - $500 CL, no interest for 6 months I believe

Cap1 Platinum - $600 CL
Amex PRG

Discover IT - $1500 CL, no interest for 6 months

Walmart Discover - $2800 CL

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jamesdwi
Valued Contributor
‎05-18-2013 08:46 PM
‎05-18-2013 08:46 PM

Re: What cards to use for what purposes?

BOA for gas unless discover has gas as a 5% catagorie

PRG for travel and groceries ( or boa for grocercies but your CL is low if you do a lot of driving and have a family to feed)

Discover for 5% catagory plus discover Mall, Perhaps balance transfer

 

Cards: Chase Southwest 20k & CSR 17k & CSP 10k & FNBO 30k Oregon Duck 5k, & AMEX BCP 32.5k & Amex Magnet 15k&amg; Hilton Surpass 7.5k & Delta Gold 12k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 20k, Paypal Extras MC 10k, Paypal Credit 7.25k CapOne Venture 15k, QS 2.5k, QS 750, Amazon 10k, Walmart 10k, Citi Simplicity 18k, Discover IT 23k and a nice stack of store cards.
Landmarkcu Personal Loan 10k
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ztnjpv
Established Contributor
‎05-18-2013 09:29 PM
‎05-18-2013 09:29 PM

Re: What cards to use for what purposes?

don't you know what your bonus categories are?

 

Should be pretty self-explanatory.

Start (Sept 2011): low-mid 600s. NOW: TU FICO: 801, EQ FICO 808, EX FICO 798 (PSECU). Goal: Achieved! Now Maintain!
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CardsLifeLine
Frequent Contributor
‎05-18-2013 11:14 PM
‎05-18-2013 11:14 PM

Re: What cards to use for what purposes?

There many ipHone and Andriod apps which tells you which card to use what ... we have gylp, wally and smore iphone apps which tell you which card gives what on each purchase ...this way you can ripe more rewards ..i do daily make use of these ...

USBank Cash+(14K)/Penfed Rewards Visa Sigg (25K)/ Penfed Promise card (5K)/ Penfed Amex Travel Rewards card(20K)/AMEX ZYNC (NPSL)/AMEX Startwood(9K)/AMEX COSTCO(5K)/AMEX EVERY DAY (10K)/AMEX HILTON HONOURS (8K)/CHASE FREEDOM(4K)/Chase Salte(12K)/AMEX Fidelity Investments(7.5K)/BOA Better Balance Rewards(5K)/BoA Travel Signature Card (10K)/BoA rewards cards (15K)/AMEX MACYS(6K)/Barclaycard Rewards(3K)/Salie Mea (5K)/DISCOVER IT(7K)/ DCU VISA Platinum Card(7.5K)/PAYPAL MASTER CARD(8K)/GAP(4.5K)/US Bank Flex Rewards (6K)/ Best Buy (4k)/Gymbore Visa card(6K)/ TARGET(600)/CHILDREN PLACE(900)/WALMART DISCOVER(8K)/TOY R US MASTER CARD(8K)/JCP(4K)/KOHLS(400)– Total 31 Cards
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Lunacy123
Member
‎05-19-2013 01:05 AM
‎05-19-2013 01:05 AM

Re: What cards to use for what purposes?

If you get gas at a location associated with Walmart, I would use the Walmart card for $0.15 off unless Discover has 5%.  Where I am, that's more than 4% instant cash back.

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