Valued Contributor
Posts: 2,110
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: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)

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: 745
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: 743 (10/14); TU: 758 (9/14); EQ 721 (9/14)

In My Wallet: Amex X 5 | Barclays X 3 | BOA X 1 | CapOne X 3 | Chase X 3 | Citi X 7 | DCU X 1 | Discover X 1 | Fidelity X 1 | Fifth Third X 1 | Macys X 1 | PenFed X 1 | PSECU X 1 | Sams Club MC X 1 | Target RedCard X 1 | USAA X 2 | US Bank X 1 | Walmart X 1 | Wells Fargo X 1 = 36 Cards

Holding off apps until the end of the year! Wish me luck!
Valued Contributor
Posts: 1,119
Registered: ‎09-14-2012

Re: Whats your combo?

Right now:


Everything - CSP

Gas - Freedom

Business - CapOne Spark Miles



Never take credit personally

Amex BCP $24,900; Chase Sapphire Preferred $24,200; Discover It $12,500; Chase Ink Cash $15,000; Chase Slate $13,500; Citi TYP $12,900; Amex SPG Biz $3,000; DCU Visa $10,000; Logix FCU $15,000; Citi Home Depot $8,800; Lowes $8,000; Care Credit $6,000; Penfed Platinum Sig $16,000; Barclay Arrival Plus WEMC $15,000; US Bank PLOC Overdraft $1,500; US Bank Perks+ Visa Signature $8,600; US Bank Edge Rewards Business $10,000; PenFed PLOC $5,000

Posts: 103
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($6500)|Amex PRG ($NPSL)|Amex SPG($6000)|Amex Business Gold Rewards($NPSL)|Amex BCE ($10,200)|Citi AA Exec ($10,500)|
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: 338
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 $50k | Freedom $35k | Marriott $32k | AkAir $17k | SPG $15k | Fidelity $10k | Discover $9k | Local CU $8k

TU: 733 / EQ: 717 / EX: 733
Valued Contributor
Posts: 1,843
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.

Cards: (Citi- 82.7k) (Chase- 65k)) (US Bank- 18k) (Amex- 22.5k) (Barclays-40k) (BofA- 68k) (Cap1- 49.5K) (WF- 11k) (Penfed- 22.5k) (Discover- 8k) (Sync/GE- 15.7k) (NASA- 30k) (Diners- 15k)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).

Established Contributor
Posts: 611
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: 4,194
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

Current Scores: EX 795 / EQ 793 / TU 802
Current cards: CSP - Freedom - Discover It - Amex BCP - BoA BBR - Capital One QS and QS1 - Citi TY
Last App: 3/21/14

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