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My Discover is just sitting in sleep mode with the occasional small-time purchase. I am waiting for such an offer in the mail. Whenever I get a mailer from Discover, it's their stupid 5% calendar. I've seen that online already. I don't need a paper reminder. They should save their 50 cent mailing fee and give me the money as cashback instead.
I have 1 rewards card (Cap1 NHC) and I love putting my big reaccuring bills on it. Nice $$ back!
I put all my large purchases through either my amex blue or gold premier rewards...blue because its my highest limit card, and I can run $2000 and still be at 10% utilization even though I PIF, or gold because of the points...I love using points to buy gift cards for people.
Amex Zync
Amex Zync
Knowing I would have to pay my balance off in full each month helps me from over spending.
By far my most used card is my BofA Cash Rewards Visa. I couldn't have said it better. It never declines purchases, there is never any fear that it ever will. It's accepted everywhere. The rewards and benefits are amazing. I have built up $95 in cash back in 2 1/2 months. Can't wait to see what my next statement rewards look like. I use it as if it were my debit card. Out of all my cards it also has the lowest interest rate, the highest CLI, and the despite the fact that I have an AMEX, it has better benefits being a signature--such as the free concierge that I've used and love. Also the warrenty manager.
I do still use my Zync for my monthly bills, but will soon use Discover for those since there is a 2% cash back for the entire year of 2012 so the Zync will get the SD where the discover used to call home.
As for the Freedom & the Capital One, they will remain sock drawered forever. I'm just glad there is no AF, otherwise I would not be a holder of each of these in my wallet/collection. It's sad really because I would give them my business if they issued CLIs that were reasonable on on point with my other lines/spending.
I do use my store cards from time to time to keep getting the GEMB 4 month increases thereby helping with UTL. I'm also excited that my Gap is now a Gap Visa with a $2000 CL!!
My heavy spending card these days is my CITI Dividends World MC.
My main card is my BoA Cash Rewards visa 321 card. It always gives at least 1% cashback. The 3% rewards on gas saves me so much money, because my commute is very long. My number two card is my Discover More with the magical 5% categories.
Mine is my BOA Power rewards visa, I use this card probably 90 percent of the time. I have several other cards, but the points arent as good, my amex has a better cash back rewards program, but it seems that half the places i shop dont accept amex, so i hardly use it.
Mine is my Platinum American Express. There are month's I charge upwards of $30K on the card and use it for everything from $2 items to a $12,500 Rolex Deepsea Dweller in Tourneau. I'm hoping to get the Centurion invite soon.
UM
Personal: American Express Platinum - NPSL | American Express Blue Cash Preferred - $15,000 | Chase Sapphire Reserve - $38,500 | Chase Amazon Prime Visa - $7,200 | Chase Freedom - $500 | Barclaycard Arrival+ - $18,600 | PenFed Platinum Rewards - $25,000 | PenFed LOC - $10,000 | Navy Federal Credit Union Platinum Visa - $25,000 | Navy Federal Credit Union LOC - $10,000 | Citi Double Cash - $12,170 | Citizens Cash Back+ - $8,650 | Citizens LOC Overdraft - $8,000 | Discover - $10,000 | Capital One Quicksilver One - $3,600 | Capital One Platinum - $750 | Valero - $600 | Dell - $3,000 | Lowes Advantage - $30,000 | Macys Amex - $25,000 | The Home Depot - $7,500 | Tourneau - $15,000
Business: American Express Business Platinum Card - NPSL | American Express Plum Card - NPSL | American Express SimplyCash Plus - $10,000 | American Express Gold Card - NPSL | Bank of America Cash Rewards - $100,000 | Capital One Spark Business - $54,000 | Chase Business Preferred - $34,000 | Chase Business Ink - $15,000 | PNC Bank Cash Rewards Visa Signature - $19,000 | PNC LOC $100,000 | BP Business Solutions - $1,500 | KeyBank Mastercard - $6,000 | Staples More Account - $3,500