Depends on the week:
- AMEX Plat
- JPM Palladium
- Discover IT
- NFCU Cash Reward Sig
- Target store
- Wally store
- BOA 1-2-3 Privileges Cash Reward Sig
Amex BCP - Grocery, Gas
US BANK cash+ - restaurant/bill pay/drug store
Walmart - Walmart/cash advance
BoA Travel Rewards - Back up/ travel purchases/5% back on toys, books, department, electronic and sporting good stores(targeted E-mail).
No Freedom or Discover for me this quarter. Actually I already maxed out the discover 5% catagory plus an extra 2% so I can SD that one till the new year.
Mine are in my siggy. Gonna test the waters next month when my reports update and see if there really is a ceiling on Sam's and Lowe's.
I have 4 cards I carry with me:
Citi Hilton HHonors Signature
USAA American Express Rewards
USAA Rewards MC
Comenity Smile Generation
Capital One Business Platinum
Citi Home Depot
Chase Southwest RR Signature
Why do you keep the BOA cash rewards around? =O seems like BCP destroys that card by far , looks like sock drawer material to me
If one also has BoA checking account, then the BoA Cash Rewards actually destroys BCP in the gas category. 3.3% return on the regular Cash Rewards, and 4.5% return on the Privileges Cash Rewards. Also, the "all other spending" category returns 1.1%/1.5% versus the 1% on BCP.
My wallet's in my sig, but here it is with more detail on how I use it:
Wal-Mart - Gas card. At $0.15 off per gallon I'm saving 4.2% on their already best-in-the-area premium gas prices. They may go back to $.05 at the end of the year, in which case I'll push gas over to the BoA Cash Rewards.
BoA Cash Rewards - 2.2% Groceries, 3.3% Gas when there's no WalMart around, everyday spending when my low limit allows it.
AmEx Zync - Paying cable and phone bills (2x points Connect Pack). Shopping at REI, Patagonia, local green businesses (2x points Eco pack), Travel purchases for work and pleasure (2x points Go Pack - not bad until I can get a higher tier travel card), department store shopping (2x points Style pack), everyday spending overflow from BoA since AmEx has me on a much higher hidden limit than the piddly $500 I get from BoA. Basically this is my most-used card right now - practically everything but Gas, Groceries, and Dining goes here.
BestBuy RewardZone - Shopping at Best Buy, and dining, since it is my only dining rewards card right now.
Barclaycard Apple Financing - Right now, just small purchases each month to keep it active. Once the new iPads are announced, I'll be using it to finance my upgrade at 0%.
In addition, I typically carry my HSA (Health Savings Account) debit card, my checking debit card, my health plan cards, and a few bills.
Chase SP for resturarnts and travel. AMEX PRG for gas/grocieries and everything else. PNC Virtual Wallet Debit for cash. Walmart for ammo purchases. Express and VS for clothing and splurging on the wife.
I have a Johnston & Murphy "super slim" wallet with 3 credit card slots - which means no apping since there's no room to carry any new cards!
-BofA debit card if going to the bank