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Established Member
medcinmn
Posts: 27
Registered: ‎10-28-2013

Which cash rewards card based on my info?

I have been using a Discover but recently realized it's 0.25% cashback until you've spend $3000, then it increases to 1%.  I have 719 score on EQ and 741 EX w/ 20% utilization, decreasing every month.

 

I've thought of the Costco AMEX as I buy my gas there and they give 3%.  Chase Sapphire looks good too, but $95/yr.

 

Thoughts?

Valued Contributor
juggalo9er
Posts: 1,104
Registered: ‎10-24-2013

Re: Which cash rewards card based on my info?

[ Edited ]

i would suggest the one with no af, that way you will not feel compelled to spent money to cover the af. should have added i stick with barclay for utility, gas, and groceries. it depends more on your personal profile though

the beatings will continue until moral improves Wal-Mart 300 lowes 500 cap 1 2000 Barclay rewards 800 upromise 800
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Frequent Contributor
longtime_lurker
Posts: 495
Registered: ‎10-21-2013

Re: Which cash rewards card based on my info?

[ Edited ]

medcinmn wrote:

I have been using a Discover but recently realized it's 0.25% cashback until you've spend $3000, then it increases to 1%.  I have 719 score on EQ and 741 EX w/ 20% utilization, decreasing every month.

 

I've thought of the Costco AMEX as I buy my gas there and they give 3%.  Chase Sapphire looks good too, but $95/yr.

 

Thoughts?


What's your annual spend on things like groceries/online shopping/etc? What about your credit profile? We need a little more info to help you

My total CLs:34,800 :smileyhappy: EQ lender pull: 764 TU: 764 :smileyhappy: In the garden since 2/28/14
Frequent Contributor
longtime_lurker
Posts: 495
Registered: ‎10-21-2013

Re: Which cash rewards card based on my info?

Based on what you've told me so far, I'd recommend BCP if you can justify the AF

My total CLs:34,800 :smileyhappy: EQ lender pull: 764 TU: 764 :smileyhappy: In the garden since 2/28/14
Mega Contributor
Creditaddict
Posts: 18,820
Registered: ‎10-23-2007

Re: Which cash rewards card based on my info?


medcinmn wrote:

I have been using a Discover but recently realized it's 0.25% cashback until you've spend $3000, then it increases to 1%.  I have 719 score on EQ and 741 EX w/ 20% utilization, decreasing every month.

 

I've thought of the Costco AMEX as I buy my gas there and they give 3%.  Chase Sapphire looks good too, but $95/yr.

 

Thoughts?


Do you have Discover More? you can PC to the new Discover it just by calling and that would get you the standard 1% and the rotating Categories.

The Costco Amex is great for dining and gas

Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
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Over 30 Cards in between :smileytongue:
Regular Contributor
JediNeo
Posts: 187
Registered: ‎11-22-2013

Re: Which cash rewards card based on my info?

Welcome to the forum. I have the Costco AMEX TE card and get 3% on gas from places other than Costco. Just have to make sure their merchant code is gas. In not sure how to check the merchant code though.
NFCU Cash Rewards $14,000, AMEX TE $12,400, Sallie Mae $7,500, Target Red (AU) $6,000, Wal-Mart Discover $5,400, America Discount Tire $700

Last app 3/16/14 TU FICO as of 7/15/14 - 774
Senior Contributor
longtimelurker
Posts: 5,379
Registered: ‎04-22-2013

Re: Which cash rewards card based on my info?


longtime_lurker wrote:

medcinmn wrote:

I have been using a Discover but recently realized it's 0.25% cashback until you've spend $3000, then it increases to 1%.  I have 719 score on EQ and 741 EX w/ 20% utilization, decreasing every month.

 

I've thought of the Costco AMEX as I buy my gas there and they give 3%.  Chase Sapphire looks good too, but $95/yr.

 

Thoughts?


What's your annual spend on things like groceries/online shopping/etc? What about your credit profile? We need a little more info to help you


Off-topic Public Service Announcement.  Despite the somewhat similar names, longtime_lurker and longtimelurker are different people.  Just in case.....

Most active cards: Amex BC ($50K), Cap One QS ($33K) Fidelity Amex ($20K)
Others: CSP, Freedom, Chase Amazon, Cap One QS, Penfed Plat Rewards (x2), Citi TY Preferred, Citi Dividend, Citi AA Plat Select, Citi Forward, Amex BCE, Amalgamated Bank, Sallie Mae, Cash Plus
Scores May 14: EQ 848, EX 833, TU 841 (Jul)
Regular Contributor
JediNeo
Posts: 187
Registered: ‎11-22-2013

Re: Which cash rewards card based on my info?

Forgot to mention you need to keep your Costco membership active if you get that card.
NFCU Cash Rewards $14,000, AMEX TE $12,400, Sallie Mae $7,500, Target Red (AU) $6,000, Wal-Mart Discover $5,400, America Discount Tire $700

Last app 3/16/14 TU FICO as of 7/15/14 - 774
Frequent Contributor
longtime_lurker
Posts: 495
Registered: ‎10-21-2013

Re: Which cash rewards card based on my info?

[ Edited ]

longtimelurker wrote:

longtime_lurker wrote:

medcinmn wrote:

I have been using a Discover but recently realized it's 0.25% cashback until you've spend $3000, then it increases to 1%.  I have 719 score on EQ and 741 EX w/ 20% utilization, decreasing every month.

 

I've thought of the Costco AMEX as I buy my gas there and they give 3%.  Chase Sapphire looks good too, but $95/yr.

 

Thoughts?


What's your annual spend on things like groceries/online shopping/etc? What about your credit profile? We need a little more info to help you


Off-topic Public Service Announcement.  Despite the somewhat similar names, longtime_lurker and longtimelurker are different people.  Just in case.....



Hahaha Hi, nice to meet you.

My total CLs:34,800 :smileyhappy: EQ lender pull: 764 TU: 764 :smileyhappy: In the garden since 2/28/14
Established Member
medcinmn
Posts: 27
Registered: ‎10-28-2013

Re: Which cash rewards card based on my info?

Thanks for the replies.  As far as profile, only negatives I have are a 30 day late 2+ years ago (Sears, 0 balance now) and a 4+ year old collection (paid) from a medical bill.


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