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What's Your Favorite CC for Each of These Categories

Frequent Contributor

Re: What's Your Favorite CC for Each of These Categories

everyday- Amex green 

big ticket- Amex green

emergency- ? who knows


CSP-$8700, Amex BCE-17.2k, Chase Freedom-$5700
Discover It-$6600, USAA MC-$5900 Ink Bold- $12k United Explorer-$5k
Message 11 of 21
New Contributor

Re: What's Your Favorite CC for Each of These Categories

I find it hard to manage more than 3 cards. I end up forgetting which card to put which purchase on and it becomes a chore to keep track of all the accounts. Kudos to those of you who can do it!

 

Everyday - Depends on bonus category, otherwise 1% goes on Chase Freedom (my highest CL)

Big Ticket - Amex for ease of claiming purchase protection and other benefits if I ever need to

Emergency - I dunno

 

Message 12 of 21
Established Member

Re: What's Your Favorite CC for Each of These Categories

I don't have any non-retail credit cards right now besides a secured card... But...

 

Everyday: Chase Amazon. (It's the best cash-back card I have right now.)

 

Big Ticket: Sears Mastercard (The one and probably only real reason to seriously use this card is to take advantage of some very nice deferred interest offers.) and Amazon Store Card (when deferred interest from Amazon is needed)

 

Emergencies ONLY -- DCU, Old Navy Visa, Walmart Discover

DCU Secured $500 | Bill Me Later $1292 | Amazon $1100 | Amazon Rewards $1000 | Kohl's $800 | Old Navy Visa $2000 | Sears MC $6000 | Target $500 | Walmart Discover $1000

Starting Score: EQ: 700 (EQ), EX: 661, TU: 709
Current Score: EQ: 716 (DCU), EX: 661, TU: 723 (Walmart)
Goal Score: All: 750


Take the myFICO Fitness Challenge
Message 13 of 21
Valued Contributor

Re: What's Your Favorite CC for Each of These Categories

Everyday: CSP for Dining, Travel and UR Mall Purchases

Big Ticket & Everything Else: United Club (after first 10k)

Emergencies: BofA Privileges, just in case something happens with Chase or I need an EMV chip

EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Message 14 of 21
Super Contributor

Re: What's Your Favorite CC for Each of These Categories

- Daily spending - CSP for dining, travel, UR Mall and SPG for everything else.

 

- Big Ticket Items - SPG (Initial 10K on Ritz card)

 

- Emergency - HSBC Premiere

Message 15 of 21
Frequent Contributor

Re: What's Your Favorite CC for Each of These Categories

B.U.M.P 

 

 

 

My Current Active Line Up

Message 16 of 21
Mega Contributor

Re: What's Your Favorite CC for Each of These Categories


LS2982 wrote:

Blackbeauty212 wrote:

Hey long time lerker, learned a lot of great little tidbits on the site... much knowledge here. Well today I decided to jump in and get my feet wet with my first post. 

 

So here's an Ice Breaker of a question to you all. 

 

What's your go-to Card for each of these Categories 

Everyday Card: the Card you use for Everyday basic Purchases (Grocery Store, Clothing, Drug Store, Restaurants, Pay Bills with, Buy Gas, Transit Fares, etc) and you Pay it in Full Every Month. 

Big Ticket Card: the Card you use for Big Ticket Purchases (Furniture, Electronics, Appliances, Repairs, Vacations, Uncle Sam Payments, Christmas Shopping, Etc) anything you may need to carry a balance on or charge more than $3K on it at one time. 

Emergencies ONLY / Credit Reporting Purposes ONLY: these Cards are Open Lines but Dormant / Not In Use Cards...You rarely touch these cards if EVER!.....They're only Open to Serve your Credit Report (Average age of Accounts, Debt to Credit Ratio)


For me:

Everyday - Discover Card 

Big Ticket - Citi Thank You Preferred 

Emergency / Credit Reporting ONLY - Capital One Plat (Oldest Card, still with only 1K Credit Limit, LOL), Philly Credit Union Visa, Citi Platinum Select, Amazon Rewards from Chase.



Everyday Card: Chase Freedom AMEX PRG

 

Big Ticket Card: Barclays Rewards World MC / PSECU Visa

 

Emergencies ONLY / Credit Reporting Purposes ONLY: Discover IT (Strictly because of lack of CLI's) Chase Freedom

 

Discover IT is on SD duty.

 


 




EQ FICO 548 3/3/16
Message 17 of 21
Super Contributor

Re: What's Your Favorite CC for Each of These Categories

Everyday: CSP / Freedom (for the 5% categories) / Citi TYP / Cash+ / Discover (only if shopDiscover gives a much better cashback rate). Varies on what I'm trying to buy.

 

Big Ticket: CSP / Citi TYP / Cash+ / Discover (shopdiscover feature)

 

Emergency: Wells Fargo for situations where I ever decide to accrue a balance and get charged interest.

 

Credit Reporting: All cards. Most of my cards have reported high balance of >90% util ratio.

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 18 of 21
Valued Contributor

Re: What's Your Favorite CC for Each of These Categories

Everyday work horses: Freedom/Discover (5% rotating categories and their respective shopping malls), BCP (groceries and gas - if not currently rotating), all other everyday expenses split between BCP and whichever card is currently being used in 5% rotation.

Big ticket: don't have specific card to use...just depends on statement cut date. Paid vacation stay with HHonors Surpass, but no other charges put on there (hope to combine CL with BCP next year).

Emergency: I put a rotating charge on Cap One and Amex Green to keep open.

Utilization ~2%....strictly for optimizing FICO scores.
AmEx Green NPSL | Amex BCP 16K | Citi Simplicity 10k | Discover IT 9K | Chase Slate 7.5K | Amex Hilton HHonors Surpass 7K | Capital One QuickSilver 6K | Home Depot 5k | Chase Freedom 4.5K | LOC 2.5K
Message 19 of 21
Established Contributor

Re: What's Your Favorite CC for Each of These Categories

Chase Freedom and Discover It are my everyday workhorse cards. Nice rewards all around. Can't wait till the 5% gas rewards for the Discover starts in a few days.

 

Big ticket cards? I don't really do big ticket purchases on credit... That's always been a "cash only" thing for me.

 

My other three cards have all been sock drawered since I'm paying them down, so I guess you could consider those my emergency cards.

      
Message 20 of 21