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Which card to use as primary

Established Member

Which card to use as primary

Thanks to this board I just compleed my first Spree.  Before I started I only had one card in my wallet; a capital One with a $500CL (headed to the shelf).  Now I have 50K in new CL (Included 15k Nav Check).  I am not sure which to begin using as my primary:

 

1.5K  Chase Freeedom

 25K  NFCU Flagship (Visa Sig)

   1K  SPG AMEX

7.5K  NFCU Cash Rewards

 

Although I think the flagship has the best points, I really want to make sure I am in a good position for CLI on the Chase and AMEX.  Will my usage matter?

Any suggestions?

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Valued Contributor

Re: Which card to use as primary


-twice- wrote:

Thanks to this board I just compleed my first Spree.  Before I started I only had one card in my wallet; a capital One with a $500CL (headed to the shelf).  Now I have 50K in new CL (Included 15k Nav Check).  I am not sure which to begin using as my primary:

 

1.5K  Chase Freeedom

 25K  NFCU Flagship (Visa Sig)

   1K  SPG AMEX

7.5K  NFCU Cash Rewards

 

Although I think the flagship has the best points, I really want to make sure I am in a good position for CLI on the Chase and AMEX.  Will my usage matter?

Any suggestions?


Use the one with the best rewards for the complimentary purchase.  For example, if you get 5% on restaurants and it is the quarter for that at Chase, then use Chase.  With what you have in limits, don't worry so much about the others with lower limits for now, in time it will be OK.  Put a little on them each month and PIF.

It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.
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