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New Contributor
Posts: 51
Registered: ‎08-14-2012
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Re: Your Starting Line Up of Charge/Credit Cards

I posted a separate thread on this when I was learning about my chances of various cards, here is what I got to maximize my cashback:

 

Amex BCP:  6% CB @ supermarket, 3% at department stores

PenFed Platinum:  5% on gas

Citi Forward 5x points on dining, "entertainment", and Amazon

Barclays Priceline Visa:  2% on everything else

 

Note, some of these offer other categories (like the Amex has 3% on gas), but I didn't list it because I'll use the Penfed for gas instead.  This combo gets me the most cashback for my typical usage, and also provides $500 in sign-up bonuses.  The BCP has the $75 AF, but I was able to justify it once I counted pharmacy shopping at the supermarket.  The BCE gives 3% @ the supermarket with no AF, but I can get that with the Penfed.

 

 

Established Contributor
Posts: 869
Registered: ‎07-04-2012
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Re: Your Starting Line Up of Charge/Credit Cards

I really like the priceline 2% on everything else. Is that a signature card?
Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Frequent Contributor
Posts: 352
Registered: ‎07-13-2012
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Re: Your Starting Line Up of Charge/Credit Cards


LionLaw wrote:
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

lol the ladies love a guy that pays

Lender pulled 10-10-13
EQ Fico 715 | EX Fico 714 | TU Fico 703
Member
Posts: 36
Registered: ‎08-14-2012
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Re: Your Starting Line Up of Charge/Credit Cards

Discover more for the 5%
BOA cash rewards 1 2 3

For now
In my wallet, Discover More, BOA 1 2 3. AMEX PRG (au)

EX-722(AMEX DENIAL)
EQ-692
CK-734
CS-703
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Your Starting Line Up of Charge/Credit Cards


iMacDrew wrote:

LionLaw wrote:
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

lol the ladies love a guy that pays


Well you could always get a Cap1 and do the black image Smiley Very Happy

 

And yes, they love the dude who picks up the tab!




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
Established Contributor
Posts: 634
Registered: ‎07-07-2011
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Re: Your Starting Line Up of Charge/Credit Cards

Love this thread:

 

My everyday card is AMEX Green/BofA Visa

My gas card is AMEX BCE

My favorite card is my Gap Visa use the heck out of this card.

 

My favorite card to whip out with friend, at work, and at sit down dinners is my AMEX Green not sure why...

Current Scores: EX - 728 FICO (5/11/13) TU - 771 FICO (7/02/13) EQ ??

Current Cards: Chase Freedom $5,000, CSP $5,700, BofA Visa Signature $15,000, AMEX BCE $6,000, Walmart $4,150, Gap Visa $10,000, JC Penny $5,800, Lowes $8,500, Dillard's AMEX $8,000, AMEX Hilton HHonors - $2,000, Chase United $12,000, Citi AAdvantage & Simplicity $6,000/$6,000, SPG AMEX $1,000
Frequent Contributor
Posts: 251
Registered: ‎08-19-2012
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Re: Your Starting Line Up of Charge/Credit Cards

[ Edited ]

@laboi_22 I think you know exactly why Smiley LOL

Established Contributor
Posts: 634
Registered: ‎07-07-2011
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Re: Your Starting Line Up of Charge/Credit Cards

I think because it's beautiful it looks like money and I secretly hope it impresses my friends lol
Current Scores: EX - 728 FICO (5/11/13) TU - 771 FICO (7/02/13) EQ ??

Current Cards: Chase Freedom $5,000, CSP $5,700, BofA Visa Signature $15,000, AMEX BCE $6,000, Walmart $4,150, Gap Visa $10,000, JC Penny $5,800, Lowes $8,500, Dillard's AMEX $8,000, AMEX Hilton HHonors - $2,000, Chase United $12,000, Citi AAdvantage & Simplicity $6,000/$6,000, SPG AMEX $1,000
Frequent Contributor
Posts: 251
Registered: ‎08-19-2012
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Re: Your Starting Line Up of Charge/Credit Cards

@laboi_22 ok question of the year, is the platinum sexy enough to pay the 450 annual fee a year.... be honest!!!! haha Smiley Wink

Valued Contributor
Posts: 2,300
Registered: ‎01-22-2012
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Re: Your Starting Line Up of Charge/Credit Cards


laboi_22 wrote:
I think because it's beautiful it looks like money and I secretly hope it impresses my friends lol

Impress your friends with a green? Really? A platinum I might be able to understand, but I'm not sure how impressed anyone would be with a green unless they simply don't know anything.

 

The cards that seem to impress people are: metal (of some variety), certain cards that are colored black, and perhaps the Amex platinum. I'm not sure if the green fits here.

 

 

 

FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
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