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08-20-2012 12:01 PM
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.
08-20-2012 12:38 PM
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.
08-20-2012 01:24 PM - edited 08-20-2012 01:27 PM
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.
08-20-2012 01:45 PM
08-20-2012 01:54 PM
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.
08-20-2012 02:53 PM
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)
08-20-2012 03:04 PM
08-20-2012 03:07 PM
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)
08-20-2012 03:10 PM
Chase Freedom (5% Categories and 1% on everything)
Discover More/It (5% Categories)
PSECU VISA (Low APR / High CL 9K)
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)