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Frequent Contributor
Posts: 253
Registered: ‎08-19-2012

Your Starting Line Up of Charge/Credit Cards

I am trying to get a good idea of what to put in my "garden".


Please share your starting line up of credit/charge cards you love and use the most , thanks!!!

Established Contributor
Posts: 937
Registered: ‎06-12-2012

Re: Your Starting Line Up of Charge/Credit Cards

In my signature. My favorite definitely is Chase Freedom Visa followed by the BoA 1-2-3 Cash Rewards Visa. I get about $50-80/mo back in cash and charge about $1-3k per month.

AMEX SPG $20K | Citi TY Premier $20k | PenFed PlatRewards $25k | Barclay Arrival+ 40k | Chase Freedom $20k | BofA AMEX $15k | Discover IT $10k | | NASA Platinum-Advantage $10k | CapOne Quicksilver $10k | Amazon Card $10k | NASA PLOC $30k @ 8.25% | Joined myFICO 6/12 with a 540 FICO & today I'm over 750!
Valued Contributor
Posts: 2,287
Registered: ‎09-16-2011

Re: Your Starting Line Up of Charge/Credit Cards


AMEX Zync  Charge builds the relationship with AMEX, and Zync Packs rock

AMEX BCE  or BCP if your spending supports it  rewards  + its AMEX backdating


Chase Freedom  Rewards  rotating catagories 5%


GE Paypal MC plus  rewards  $0 AF  (haven't tested this one yet but reported to be CLI friendly)


GE Mondey Bank Walmart     (free TU score if you go paperless) upto $60 cash back at walmart no fee  CLI friendly


GE Money Bank  Amazon    great prices, CLI friendly and 0% interest for 6 months on $150 and up purchases ( longer term 0% deals are availible)


Discover IT  - Don';t have this one but reported to be good


CIti HomeDepot if you own a house..  great CLI when needed 


It has cards from AMEX, VISA, MC, and Discover and a couple store cards good all around mix. Don't have any Citi MC cards yet so not recomending any yet, I'm sure others will chime in with Citi cards. 


Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 12k Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5k, Walmart 10k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 10k and a nice stack of store cards.
Last APP/HP 4/22/2015
Frequent Contributor
Posts: 348
Registered: ‎08-17-2012

Re: Your Starting Line Up of Charge/Credit Cards

[ Edited ]

Cards and cl's are in my sig


Zync- use like a debit card. I mostly just run enough through it to keep it active since I feel that I have other cards with better rewards structures


BCE- I mostly use for groceries and gas when they aren't covered as 5% categories on discover it or chase freedom. I also use it for some non bonus 1% spending. Overall imo this is one of the best no af cards you can have. 


BofA- travel rewards. I just pc'ed to this card and haven't actually received yet. However, it's base of rewards rate is 1.5 percent plus a 10 percent yearly bonus if you bank with BofA so I'm thinking that I will use this card exclusively for non bonus categories.


Freedom- 5% bonus categories. It's also good to have handy for the moment and pop type places that only take visa and Mastercard


Discover It- 5% bonus categories. Discover also has the best online rewards mall of all ccc's called shopdiscover with cashback bonus ranging from 5-20%. They also have random periods of time throughout the year during which they give 2% back up to a certain spending level/ cap (usually $250).


All in all I don't think I really have favorite card as my decisions on which card to use any given time are predicated upon which card will give me the highest cash back.



EQ 778 | TU 776
Barclay US Airways WMC 7.5k | BCE 5.8k | BofA Travel Rewards 9.1k | Chase Marriott Premier 13k | Citi TYP WMC 6.5k | Freedom Visa Sig 8k| Discover it 10k
Established Member
Posts: 37
Registered: ‎07-25-2011

Re: Your Starting Line Up of Charge/Credit Cards

Just recently made some changes

Chase Sapphire/preferred - I used the sapphire all the time, so I upped it to preferred. I love the option of receiving a statement credit or a check at a rate of a cent per point.

Amex gold pr/zync - just "downgraded" my pr to zync. Felt that my rewards and options were just better with chase. I didnt use it very much. My end of year points got me less rewards than my af (not including bonus). Made the switch at the end of my free year. Would have cancelled all together but didn't want to lose my points. Verdict is out on the zync.

Amex blue cash - my first Amex. Used it all the time until the sapphire came in. Still have a couple subscriptions that auto pull from it. Basically only keep it around because I haven't felt like closing it.
Frequent Contributor
Posts: 352
Registered: ‎07-13-2012

Re: Your Starting Line Up of Charge/Credit Cards

Blue Cash preffered is by far my go to card, once i pc my sapphire to preffered then i will just use the BCP for groceries and pissibly gas when the 5% option isnt available.

Lender pulled 10-10-13
EQ Fico 715 | EX Fico 714 | TU Fico 703
Regular Contributor
Posts: 157
Registered: ‎03-05-2012

Re: Your Starting Line Up of Charge/Credit Cards

angelclaudio wrote:

I am trying to get a good idea of what to put in my "garden".


Please share your starting line up of credit/charge cards you love and use the most , thanks!!!

For me - I use these the most:

US BANK Cash+ VISA: It has 5% back on Restaurants and Utility bills - plus a $25 bonus when you redeem $100 in rewards

AMEX BCP: 6% back on groceries, 3% on Gas with no limits - plus the $150 sign up bonus paid for 2 yrs worth of the annual fee

CostCo AMEX:  3% gas, 2% travel & Restaurants - plus we shop at Costco alot.

Chase Freedom: Use this when the 5% rotating categories make sense - especially for the 2 quarters where the bonus is for gas

Chase MP explorer - Wife uses this to manage her business expenses and we always fly united so the free checked bag is a nice perk.


I use the others in my wallet when it makes sense (Chase Marriott when staying at Marriotts etc)




FICO: EQ 769, TU 762 , EX ???

Frequent Contributor
Posts: 258
Registered: ‎06-10-2012

Re: Your Starting Line Up of Charge/Credit Cards

I use my Zync for most things, my Discover for the 5% categories, and my Wells Fargo cash back Visa for places that don't take Amex.

I've also got a Citi Diamond Preferred that spends most of its time in the sock drawer, though I occasionally break it out when I'm out for the night; the ladies love a guy with a black credit card Smiley Very Happy

Starting Score: 617 (EQ 6/10/12)
Current Score (8/28/13): EQ: 691 EX: 706 TU: 700
Goal Score: 700

Discover it $4,500 (02/2001); Amex PRG (Backdated to 01/2006); Amex ZYNC (Backdated to 07/2006); Wells Fargo Cash Back Visa $5,500 (12/2011); Citi Diamond Preferred MC $2,000 (07/2012); B of A Cash Rewards Visa Signature $5,000 (02/2013)

Regular Contributor
Posts: 116
Registered: ‎12-29-2008

Re: Your Starting Line Up of Charge/Credit Cards

3 card Rotation


Amex Zync/Green Combo - Use for all my bills and most daily charges. Use the zync to take advantage of the packs and have my GREEN MR account tied to the Zync so all my points are MR not MRE. Also use the Sync promos.


Discover More - Take advantage of the rotating 5 percent categories, and also take advantage of the ShopDiscover especially for my addiction of sneakers and sports apparel and equipment (Nike, eastbay, finishline, footlocker sites)



2/2011=EQ: 590
11/2012=EQ: 683 (after 4 card app spree and reporting)
10/2013=EQ: 708 (reached my goal!! for 2013) EX(amex): 668 TU(Disc):680
Goal = 725 by 6/2014
Amex Zync/NPSL | Amex Green/NPSL | AMEX BCP/15k | Chase Freedom/2.2K | Best Buy/800 | Discover IT/6.4K | Citi HHonors Reserve/3K | Chase Hyatt/5k | Sapphire Preffered/9K
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011

Re: Your Starting Line Up of Charge/Credit Cards

Chase Freedom (5% Categories and 1% on everything)

Discover More/It (5% Categories)


AMEX Zync (The bill payer / entertainment card, gaining points for free airline tickets)

Barclaycard VISA (just in the mix, little things here and there)

Capital One NHC (the recurring charge card)

Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014

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