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What credit card do you use?

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SunriseEarth
Moderator Emeritus

Re: What credit card do you use?


@Random_idiot wrote:
Just out of curiosity, I see a bunch of people with multiple cards on here. So.. What card do you utilize the most and why?

In terms of highest swipe count, probably Cash+, due to my selection of 5% Fast Food and 2% restaurants (also has 5% Dept stores).    In terms of dollars, Sallie Mae may have a slight edge.  



Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Discover IT $46000 | Disney Premier VS $43600 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | Sony Card VS $23750 | GS Apple Card WEMC $22000 | WF Active Cash VS $18,000 | Jared Gold Card $16000 | FNBO Evergreen VS $15000 | Citi Custom Cash MC $14600 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Freedom Flex WEMC $10000 | Belk MC $10000 | Wayfair MC $4500 ~~
Message 31 of 61
Viva-LV
Frequent Contributor

Re: What credit card do you use?

Like many here, I'm using what I need to reach my offers. Generally use BCP, Discover and Prestige.

Am Ex | BOA | Chase | Citi | Disc | PenFed | USB | 400K Club
Message 32 of 61
greent
Frequent Contributor

Re: What credit card do you use?

Im currently not using any of them. I'm trying to pay them off. Amex BCE has the most charged. 


Message 33 of 61
Anonymous
Not applicable

Re: What credit card do you use?


@Random_idiot wrote:
Just out of curiosity, I see a bunch of people with multiple cards on here. So.. What card do you utilize the most and why?

Well, I have these...

 

Amex Platinum is SD for a while, I'll use it mainly for car rentals.

Amex PRG is my main user right now, spend 2k for 25k MR points.

Amex EveryDay is going to be my grocery card because I just added an offer for a bonus 1.5k in MR points for $100 spend in supermarkets.

All the rest are SD'd at the moment. The categories on the Chase Freedom and Discover are pointless to me right now. Slate is worthless, thinking of moving what I can to the Freedom and just letting it fall away. The Wal-Mart MC is going to be back to being my gas card after the PRG thing is done.

 

All said, too many CC's, not making enough money to justify them, but loving that available CL!!!

Message 34 of 61
galahad15
Valued Contributor

Re: What credit card do you use?

Currently carrying 0% promos:  BoA Cash Rewards and BBR; Blispay; Citi DC, DP#1, DP#2, and Simplicity; Cap1 BuyPower; Discover

Groceries:  alternate between BoA Cash Rewards, Cap1 NHM, Citi DC, FNBO BucksBack (all non-promo balances PIF monthly)

Gas:  BoA Cash Rewards

Restaurants/Phone Utilities:  Cash+ (PIF monthly)

Travel:  Cap1 NHM (PIF monthly)

$200+ Purchases:  Blispay

Cards if I need to carry a balance:  BoA Cash Rewards, FNBO Amex, Ring, Unify FCU VISA, Blispay

BT and Cash Advance Cards  (due no or extremely low fees):  Ring, Unify FCU VISA, Cap1 NHM

Car Rentals:  Cap1 BuyPower


Message 35 of 61
Random_idiot
Established Contributor

Re: What credit card do you use?

Wow, you utilize all of them!


Total Credit Line- $89,300| Personal- $78,650 | Biz- $5,650
Current Score [F9]: EX-721 || TU-759 || EQ-768 || AAoA-2yrs7mo || uti- 1% || 100% payment history || 9 inq
Message 36 of 61
Anonymous
Not applicable

Re: What credit card do you use?

Gardener76... You SD an Amex Platinum? Lol! Wish I had $450 to throw away every year like that!
Message 37 of 61
Random_idiot
Established Contributor

Re: What credit card do you use?

I'm just blown away by that..

But to each their own I guess.

 

Personally, I am aiming for the CSP + Freedom. and maybe Bliss for now.

 

All Payments (not included in 5% category) will be swiped by CSP.

5% stuff will be swiped by Freedom.

 

and of course, Bliss for the 6 months 0 APR.

 

Not interested in any other cards as of yet..


Total Credit Line- $89,300| Personal- $78,650 | Biz- $5,650
Current Score [F9]: EX-721 || TU-759 || EQ-768 || AAoA-2yrs7mo || uti- 1% || 100% payment history || 9 inq
Message 38 of 61
Random_idiot
Established Contributor

Re: What credit card do you use?

I am going to keep the Cap 1 for AAoA..


Total Credit Line- $89,300| Personal- $78,650 | Biz- $5,650
Current Score [F9]: EX-721 || TU-759 || EQ-768 || AAoA-2yrs7mo || uti- 1% || 100% payment history || 9 inq
Message 39 of 61
Anonymous
Not applicable

Re: What credit card do you use?


@Anonymous wrote:
Gardener76... You SD an Amex Platinum? Lol! Wish I had $450 to throw away every year like that!
Baaaahahaha!!!! Yes, for now anyways, I only use it for travel and I'm kinda grounded right now... Besides, that PIF thing scares me somewhat because I don't make enough money to really put a lot of usage on it month-to-month. 
Message 40 of 61
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