Valued Contributor
Posts: 1,772
Registered: ‎12-29-2011

Re: Whats your combo?

I was using my Discover IT for gas but I think I might start using my Freedom for gas this last month.

The truth is out there...
FICO scores: 724 (EQ) 709 (EX) 711 (TU) 4/14 | Goal score: 750+ (all 3)
Tradelines: Capital One (5.0k) | Discover IT (5.0k) | Walmart Discover (3.0k) | Chase Freedom NPSL | Citi Simplicity (8.0k)
--------------------------Gardening until my credit recovers...NO MORE INQUIRES TIL 2015
Regular Contributor
Posts: 173
Registered: ‎06-28-2012

Re: Whats your combo?

At this moment i use the Discover IT for Gas only, Amex BCE for groceries only, and the CSP for my traveling and dining and everything else that isnt gas or groceries.

EQ FICO - 725 (9/11/13) TU FICO - 724 (6/27/13) EX FICO (6/30/13) 755 AMEX
Im my wallet - Cap1 Platinum MC(2000) Chase Freedom(1500) AMEX BCE (7000) Discover IT (8000) CSP (15000) Cal Coast CU (8000)
Established Contributor
Posts: 707
Registered: ‎08-02-2008

Re: Whats your combo?

In my wallet at the moment are:


1. Citi Forward Visa Signature (use for 5% restaraunts, movies)

2. SPG Amex (use for all other types of purchases - 1% points)

3. Priceline Visa (use for all other types of purchases where Amex is not accepted - 2% points)


I rotate the others in for low APR, 5% rotating categories and/or other spend promotions.

FICO: EX: 752 (3/14); TU: 768 (3/14); EQ 711 (3/14)

In My Wallet: Amex X 5 | Barclays X 3 | BOA X 1 | CapOne X 3 | Chase X 3 | Citi X 6 | DCU X 1 | Discover X 1| Fidelity X 1 | Fifth Third X 1 | PenFed X 1 | PSECU X 1 | USAA X 2 | US Bank X 1 | Walmart X 1

Holding off apps for the next 6 months! Last inq 4/2/2014.
Established Contributor
Posts: 770
Registered: ‎09-14-2012

Re: Whats your combo?

Right now:


Everything - CSP

Gas - Freedom

Business - CapOne Spark Miles



Mortgage $299k/$310k
Autos Loans $49.5k/$60k
Unsecured Lines $157.2k

Discover FICO 732

Posts: 101
Registered: ‎06-25-2013

Re: Whats your combo?

AMEX SPG-Everything

Chase Freedom-5% Category Spend (gas at the moment)


AMEX Green & BoA Cash Rewards go pretty much unused. Just got the SPG, need to get going on that minimum spend. 

Experian: 734 Equifax: 765 Transunion:776

BoA Cash Rewards($6500)|Fidelity Investment Rewards AMEX($5000)|Chase Freedom($4000)|
Chase Sapphire Preferred($5000)|Amex PRG ($NPSL)|Amex SPG($6000)|Amex Business Gold Rewards($NPSL)|Barclays Arrival($5000)|
In the garden until at least Jan 2014
Established Member
Posts: 19
Registered: ‎08-11-2013

Re: Whats your combo?

Currently in my wallet:
Student Discover It & BankAmericard Platinum Visa
Patiently waiting for arrival! American Express BCE :smileyhappy:

Discover It 2,500 CL
BankAmericard Platinum Visa 1,500 CL
American Express BCE 2,000 CL
Gardening until 8/14
Frequent Contributor
Posts: 259
Registered: ‎02-02-2010

Re: Whats your combo?

ag760 wrote:
Currently in my wallet:
Student Discover It & BankAmericard Platinum Visa
Patiently waiting for arrival! American Express BCE :smileyhappy:

I mainly used the BOA and CSP for daily purchases. I'll get around to getting a freedom card and a SPG, maybe January. I need to do some pruning or gardening, my goal is not to be stuck with any low limit cards under 10k cl.

AkAir $25k | CSP $18k | SPG $12.4k | Discover $7k | Simplicity $6.4k | BCE $6k | United $5k | Freedom $2.4k

TU: 740 / EQ: 723 / EX: 731
Valued Contributor
Posts: 1,464
Registered: ‎06-16-2012

Re: Whats your combo?

[ Edited ]

BCP/Costo---Groceries and Costco

BofA CR- Gas (and some groceries)

Marriott- Hotels

United-Travel Tix and Bills

Citi TYP-Clothing and everyday spend

CitiAA-Travel and Bills

Barclays-clothing and Gas


I have stopped using and SD the following cards ( Cap1,Discover, US Bank, Citi Simplicity, Walmart, Dillards, Macys, Amex Green) The Macys and Dillards will use come November/December.

last app: 4/14/14---Barclays US Airways (10k)---US Bank Flex Travel Rewards (7.5K)---no more applications till September (Amex Delta)

cards in wallet for daily use: Chase CSP(15k), BofA Privilege(30K), Amex BCP(2K), Green, Discover (8k)
cards for travel: Citi AA WEMC(20K), Citi Prestige(11.5K), Chase Ritz(20K) or Marriott(5K), Barclays Arrival(5.5K)

Established Contributor
Posts: 595
Registered: ‎01-04-2009

Re: Whats your combo?


Discover - 5% rotating cashback

BofA 3-2-1 - 2% for groceries

Target Store Card - 5% cashback at Target

B&N Mastercard - 5% cashback for B&N purchases (nice since e-books don't typically get discounts otherwise)

Delta Skymiles Amex - 2x miles accrual for flights

Paypal Business Debit Mastercard - 1.5% cashback (catch-all card, though technically a debit not credit card)

    $17.3K          $500              $7K              $15K              $5K             $2300          $3200          $2000          $1500          $1000           $8100

Garden Since: 9.25.2013
Senior Contributor
Posts: 3,880
Registered: ‎07-26-2008

Re: Whats your combo?

At the moment my rotation looks like this:


Discover It or Freedom- gas

Chase Sapphire- dining

BoA- groceries

Capital 1 Quicksilver for everything else

In the garden since: 3/20/14

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