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Frequent Contributor
steve23111
Posts: 354
Registered: ‎08-09-2011
0

Which card to add?

[ Edited ]

I want (need?) to add one more card to my portfolio of cash-back cards and am torn between Discover It and US Bank Cash+.

 

My current rewards cards are:

 

American Express Blue Cash Preferred

Chase Freedom

PayPal Mastercard

 

I only use the BCP and Freedom since the rewards program on the PayPal card stinks.  I spend a lot on fast food and restaurants, so the US Bank Cash+ card could work well for me as those are two potential 5% categories that aren't handled by the BCP and Freedom.  Any compelling reason to go with It over the Cash+?

 

EDIT: Well now I see that the Cash+ can only be applied for in a US Bank branch, and there are none of those around here.  Discover It wins, I guess.

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Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012
0

Re: Which card to add?

Discover 5% CB based on each quarter.

Jan for movies and restaurant.

I love US bank with 5% cash back up to your choice but too bad im not qualify for it.

Currently own Discover and its my number 1 spending card. :smileyvery-happy:

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Valued Contributor
SnackTrader
Posts: 1,566
Registered: ‎09-15-2012
0

Re: Which card to add?

What about Citi Forward?

 

5% on restaurants, fast food, bookstores, movie theaters, and Amazon.

 

5% can only be used to pay student loans or mortgages though.  Gift cards and other types of rewards will only net you approximately 3.75% (I haven't bothered to do the exact math).


In My Wallet: Amex BCP (12/12) $22.200, Cap1 Quicksilver (6/12) $14,000, Chase CSP (4/14) $12,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Valued Contributor
bs6054
Posts: 1,673
Registered: ‎11-11-2012
0

Re: Which card to add?


SnackTrader wrote:

What about Citi Forward?

 

5% on restaurants, fast food, bookstores, movie theaters, and Amazon.

 

5% can only be used to pay student loans or mortgages though.  Gift cards and other types of rewards will only net you approximately 3.75% (I haven't bothered to do the exact math).


And Citi Forward is uncapped on those categories, as compared to Discover.  By using another Citi card, you can increase all TYP to 1:1, but not necessary if you are doing loans/mortgages/some gift cards

 

Cash Plus is better because it's 6.25% with bonus, but against that you would need to use two 5% (one for Fast Food, one for restaurants) and it's moot because, as you say,  you now need to apply in branch.

Frequent Contributor
L-TWT
Posts: 291
Registered: ‎12-18-2011
0

Re: Which card to add?


steve23111 wrote:

I want (need?) to add one more card to my portfolio of cash-back cards and am torn between Discover It and US Bank Cash+.

 

My current rewards cards are:

 

American Express Blue Cash Preferred

Chase Freedom

PayPal Mastercard

 

I only use the BCP and Freedom since the rewards program on the PayPal card stinks.  I spend a lot on fast food and restaurants, so the US Bank Cash+ card could work well for me as those are two potential 5% categories that aren't handled by the BCP and Freedom.  Any compelling reason to go with It over the Cash+?

 

EDIT: Well now I see that the Cash+ can only be applied for in a US Bank branch, and there are none of those around here.  Discover It wins, I guess.


I would lean towards the Discover It. Looking @ your portfolio you do not carry a cash back CC which does not offer a no FTF, never know when that may come in handy! Especially now that Discover is excepted more in foreign countries via the DinersClub network.

Portfolio: Amex BCE (21.6k) | Cap1 QS VS (15k) | Citi Dividend WEMC (30K)

"Having a credit card is nice, but cash is king"

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