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Lel
Posts: 5,267
Registered: ‎03-18-2008
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Re: What's in your wallet/purse, which 5 cc's would you choose

Let's see, I've got:

 

 

B of A Upromise MC (for most purchases; saves money for college)

Costco Amex (3% back at restaurants, plus I never know when I might need 12 dozen eggs or 7 tires)

Shell Citi MC (5% back on gas purchases)

Macy's Visa

 

 

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cobaltnv
Posts: 640
Registered: ‎09-02-2008
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Re: What's in your wallet/purse, which 5 cc's would you choose

1) Fidelity Visa

2) Costco Amex

3) DIscover

4) REI Visa (US Bank)

5) BofA MC

 

The REI visa and BofA MC are a distant 4th and 5th and may soon be replaced by my new Macy's card. I use cards 1 and 2 for most purchases with a bit of discover thrown in for good measure (and the 5% categories) 

TU 810: EQ 813: EX 814 (9/16/09--Loan officer pull)

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haulingthescoreup
Posts: 28,098
Registered: ‎04-01-2007
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Re: What's in your wallet/purse, which 5 cc's would you choose

[ Edited ]

Lel wrote:

Let's see, I've got:
...Costco Amex (3% back at restaurants, plus I never know when I might need 12 dozen eggs or 7 tires)


:smileyvery-happy:

OK, in my wallet I have:

USAA MC and AmEx
PenFed Plat Visa
AmEx Blue
random debit cards (USAA, Navy)

What I would have:

one USAA card (I'm also considering consolidating the two)
PenFed
AmEx Costco, if I ever live anywhere near a Costco, as in the same state
Chase Freedom, if they ever give me my @#$%^&* three categories
either Ameriprise World Elite MC, if I ever start traveling, or Discover, if they get less stingy with rewards

eta: oh, and Lel, don't forget that Costco has coffins, with either standard or expedited shipping!
Message Edited by haulingthescoreup on 01-26-2010 03:36 PM
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
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DI
Posts: 5,744
Registered: ‎01-28-2008
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Re: What's in your wallet/purse, which 5 cc's would you choose

This month Kroger 123  to reward them for giving me a substantial CLI. 
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jefftca925
Posts: 706
Registered: ‎08-14-2008
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Re: What's in your wallet/purse, which 5 cc's would you choose

for me...

 

Discover More (5% cash back)

Chase Freedom Visa (3% cash back)

BofA Accelerated AmEx (Costco shopping)

Macys Visa (I love Macys!!)

USBank FlexPerks Visa (my "go to" card for everything else)

Chase and BoA debit cards for work purchases and small stuff

 

When I go out (on weekends) I ONLY carry my Chase debit card and a Chase Plat Rewards card ($2k limit..my lowest) and my ID.  The "wallet" stays home... nice and comfy!   :smileywink:

CCs: Chase Freedom VS 6.9k, CSP VISA Sg 7k, BofA Amex 12.5k, Discover 10.5k, US Bank Cash+ Visa Sg 12.5k, Macy's Amex 8k/1.5k, Gap Visa 10k, Best Buy 11.1k, Citi TY MC 10.8k, Citi AA Amex 6k, Nordstrom VS 10k, Amex Zync, Costco Amex 12k, BofA CR VS 17k, Amex BCP 9.5k, Amex ED 5k, Sears MC 9k, HD 7k, Target 600, Amazon 7k, US Bank MC 15k, US Airways MC 4k, NFL Visa 4k, Patelco Visa 10k, Penfed PR VS 44.6k, Chase United VS 13k, Chase Marriott VS 8k, Citi Simplicity 13.3k, PayPal MC 5k, Compass Visa 4k, WF VS 14k, FNBO Amex 14.1k, OCCU VISA 15k, TR Visa Sg 13.3k, Capital One QS Visa 11k, FRN MC 13.5k, HSN 4k, Saks WEMC 10k/4k, Chase Ink 18k, Barclay Arrival 10k, Ebates VS 8k, Orbitz VS 9k, NASA V 30k, USBk FP VS 17k
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txjohn
Posts: 4,214
Registered: ‎09-12-2008
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Re: What's in your wallet/purse, which 5 cc's would you choose


haulingthescoreup wrote:

Lel wrote:

Let's see, I've got:
...Costco Amex (3% back at restaurants, plus I never know when I might need 12 dozen eggs or 7 tires)


:smileyvery-happy:

OK, in my wallet I have:

USAA MC and AmEx
PenFed Plat Visa
AmEx Blue
random debit cards (USAA, Navy)

What I would have:

one USAA card (I'm also considering consolidating the two)
PenFed
AmEx Costco, if I ever live anywhere near a Costco, as in the same state
Chase Freedom, if they ever give me my @#$%^&* three categories
either Ameriprise World Elite MC, if I ever start traveling, or Discover, if they get less stingy with rewards

eta: oh, and Lel, don't forget that Costco has coffins, with either standard or expedited shipping!
Message Edited by haulingthescoreup on 01-26-2010 03:36 PM

That's it, I'm joining Costco today!  EXPEDITE me!

 

:smileywink:

 

 

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03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
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anevilpetingzoo
Posts: 114
Registered: ‎03-12-2009
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Re: What's in your wallet/purse, which 5 cc's would you choose

Top 5 I can do:

 

Costco Amex for dining, Travel expenses

PenFed Plat Visa for gas 

Discover for 5% and travel in China (I do that a lot)

Airline Card for everything else not covered above (UA for me)

Debit Card for debit only backups. (Winco, Food4Less etc...) 

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Lel
Posts: 5,267
Registered: ‎03-18-2008
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Re: What's in your wallet/purse, which 5 cc's would you choose


Romeoo47 wrote:
Kiwill, I'm not sure if the AMEX Costco card is easier to get than the Blue.  At least for me, the card fits well into my lifestyle (i.e., personal preference).  I love the 3% cashback on dining.  I also get 3% back on gas (whenever I'm not getting 5% back from Discover) and 2% back on travel.  In addition, Costco is 5 minutes from my house.  So I almost exclusively use them for gas.  With that said, I don't think AMEX Costco is the best gas card out there.  Board members seem to speak very highly of PenFed.  I think they give 5% back on gas (correct me if I'm wrong). 

Are you still getting 5% back from your Discover?  I have the Discover Open Road card, and starting this month they reduced my rebate from 5% to 2%.  It's a little more complicated than that - formerly, I'd get 5% back on up to $100 in gas purchases.  Now it's 2% back on up to $250.  So the maximum rebate I can get each month is still $5 for these types of purchases, but I have to spend more in order to get that rebate.

Regular Contributor
amp0804
Posts: 112
Registered: ‎08-21-2009
0

Re: What's in your wallet/purse, which 5 cc's would you choose

5 cards is way too many to carry for me.

 

Ill stick with my 3 favorite which are always in my pocket,

 

Bank of America Debit

Citibank Forward

Chase Slate

 

To be completely honest I rarely ever use any of my other cards unless its best buy or home depot and I take advantage

of the promos.

Regular Contributor
Romeoo47
Posts: 201
Registered: ‎11-26-2007
0

Re: What's in your wallet/purse, which 5 cc's would you choose

Lel, I orginially had the Discover Open Card.  Then I received the dreaded CC letter that reduced the cashback amount on gas and said that the card was not being offered anymore (the card is currently being marketed with different rewards).  Anyway, I PCed to the Discover More which gives 5% on various things quarterly.  At least one quarter or month a year they offer 5% back on gas but I think it is capped. 

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