10-22-2012 07:08 AM
Amex Hilton (Primary)-----$13,900
Citi Hilton Visa Signature (Back-up)-----$19,900
Chase Saphire World Mastercard (Back-up for the back-up)-----$20,000
They're the only cards I have. I don't see a need for any more. I'll probably be in the garden for the rest of my life. (I'm 61).
10-22-2012 07:12 AM
PNC Cashbuilder Visa Signature
Chase Ink Classic
American Express Simply Cash
Sovereign Bank Visa Signature
Ameerican Express Blue Cash Everyday
Fidelity American Express
Two Capital One debit card
10-22-2012 07:18 AM
My Amex BCP should be here any day now. Once it is, my everyday lineup will be:
Amex BCP - 6% groceries, 3% gas
Discover More - 5% categories and ShopDiscover
Chase Amazon Visa - 2% restaurants/fast food
Barclaycard Rewards World Mastercard - 2% utilities
Target Red Card - 5% discount at Target
Debit card - not really used, just in case
I also do actually carry these in my wallet, but they generally don't get much (or any) use:
Old Navy store card - rewards/discounts at Old Navy
Walmart store card - free TU FICO!
GE CareCredit - for use at the dentist
GM Card (Formerly HSBC, now Capital One - 1% cash back
Chase Slate - balance transfers if needed
US Bank Gymboree Visa - 5% discount at Gymboree
Best Buy store card - rewards/discounts at Best Buy
Platinum Mastercard - old account, no rewards
10-22-2012 07:21 AM
Ameriprise World Elite Mastercard
Citibank debit card
These 4 cards cover all my bases. Palladium for hidden TL and concierge, PRG for daily purchases, Ameriprise for large purchases that I can't pay off immediately, (due to 6.24%) and debit card for cash withdrawal.
Thinking back, 4 years ago all I had in my wallet was my girlfriends debit card because my credit was so poor, and I was even on chex systems, so I couldn't even open a bank account. I have made so many mistakes in my life. (Both personal and credit wise). Well, live and learn!
10-22-2012 07:23 AM
10-22-2012 07:39 AM
Zync is usually the go to card, but I'll use discover for useful categories. If a merchant is only MC/Visa, I use the SW RR Visa.
I actually have most of my cards with me but don't use them... just don't like to see empty slots in my wallet!
10-22-2012 07:41 AM
10-22-2012 08:14 AM - edited 10-22-2012 08:16 AM
I picked the cards I apped for so that I can get great coverage of what I have in daily expenses without too many cards:
With those cards, I never have accpetance problems and my "out and about" expenses roughly get rewarded with:
for an average of 5% (or slightly less since I won't always get 1p=1penny on the forward points).
Optimizing the last 20% does not seem worth it to me. If I had a general 2% card for the last 15%, that'd get me to an average of 5.1%.
Again, this is only for walking around. For online expenses and travel, I could probably benefit from another card or two.
10-22-2012 08:54 AM
Chase Freedom all stay in my wallet.
Currently Zync is the everyday workhorse, and More is the online shopping workhorse
10-22-2012 09:37 AM
I only carry with me:
2. debit card
3. BoA 123
4. AMEX green
6. Discover more now
Might be SD my zync for a while.
cards i dont carry:
2. BBY store card
5. cap1 will be closing this one soon
most store cards you dont need to carry because they can all pull your info up anyways. i cant wait to close all cap1's and maybe bby