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Established Member
Posts: 27
Registered: ‎10-28-2013
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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
Posts: 1,919
Registered: ‎10-24-2013
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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

Established Contributor
Posts: 1,034
Registered: ‎10-21-2013
0

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

Current cards: MSUFCU Platinum, Amex PRG, Amex Surpass, Amex BCE, Citi Prestige, Citi Double Cash, US Bank Cash +, Huntington Voice, AAviator, Sallie Mae, Discover IT, Chase Freedom TU:753 EQ Enhanced: 758
Established Contributor
Posts: 1,034
Registered: ‎10-21-2013
0

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

Current cards: MSUFCU Platinum, Amex PRG, Amex Surpass, Amex BCE, Citi Prestige, Citi Double Cash, US Bank Cash +, Huntington Voice, AAviator, Sallie Mae, Discover IT, Chase Freedom TU:753 EQ Enhanced: 758
Epic Contributor
Posts: 24,715
Registered: ‎10-23-2007
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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- 670., TU 705 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
88 Cards and Counting :smileytongue:
Frequent Contributor
Posts: 305
Registered: ‎11-22-2013
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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 | WalMart MC $7,500 | Target Red Visa $6,000 | America Discount Tire $700

Last app 3/16/14. TU FICO 790 as of 5/6/15
Super Contributor
Posts: 10,279
Registered: ‎04-22-2013
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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.....

Frequent Contributor
Posts: 305
Registered: ‎11-22-2013
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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 | WalMart MC $7,500 | Target Red Visa $6,000 | America Discount Tire $700

Last app 3/16/14. TU FICO 790 as of 5/6/15
Established Contributor
Posts: 1,034
Registered: ‎10-21-2013
0

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.

Current cards: MSUFCU Platinum, Amex PRG, Amex Surpass, Amex BCE, Citi Prestige, Citi Double Cash, US Bank Cash +, Huntington Voice, AAviator, Sallie Mae, Discover IT, Chase Freedom TU:753 EQ Enhanced: 758
Established Member
Posts: 27
Registered: ‎10-28-2013
0

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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