topic Re: 3rd quarter wallet... in Credit Cards

3rd quarter wallet...

Anonymous — Tue, 16 Jun 2015 21:48:50 GMT

Freedom for gas purchases.

USBank Cash+ for fast-food.

Sam's club for sit-down restaurants.

Blue cash for grocery stores.

Discover for everything else.

AMEX Gold just to carry in my wallet.

Welcome to the sock drawer....Huntington Voice [set on utilities], and Aviator.

Re: 3rd quarter wallet...

Dw4250 — Tue, 16 Jun 2015 22:25:07 GMT

Sounds like a great plan. I love discover can now be an everyday 2%. I will turn it into my "everything else card" plus take advantage of the now 10% categories!!!

Re: 3rd quarter wallet...

SunriseEarth — Tue, 16 Jun 2015 22:37:44 GMT

Good plan!

As for my plan...

Sam's Club MC--all dining and gas, except...

Costco AMEX--Costco gas (if needed)

Discover--General spend (if accepted), Netflix, department stores, Amazon

QS--backup general spend, gym and Disney AP (for now--may move to Discover)

BCE--groceries, Costco

Target--Target...duh.

JCP--JCP & Rite Aid

Care Credit--optometrist, possibly dentist

Going in the SD: Sony Visa, Walmart Store (will close in August). Overstock and Amazon are also SD'd, unless I have a large purchase.

Re: 3rd quarter wallet...

Kb109 — Tue, 16 Jun 2015 22:43:41 GMT

Primary Card for retail shopping and everyday spending - Discover It

Grocery stores - Amex Blue Cash Everyday

Gas - Bank of America Cash Rewards

Utilities - Chase Ink Cash

Airline Tickets - Amex Business Platinum Skymiles or AAdvantage Aviator Red (depending on which airline I'm flying at the time)

Hotels - Amex Business Green

Vet appointments - Care Credit

Re: 3rd quarter wallet...

Anonymous — Tue, 16 Jun 2015 22:43:08 GMT

Chase Freedom stays in the SD for me. SM gives 5% on gas. I'll keep my IT and DC for gem spend, AARP for restaurants, and BCP for groceries.

Re: 3rd quarter wallet...

Anonymous — Tue, 16 Jun 2015 22:43:10 GMT

For me:

US Bank Cash+: Verizon Cell Phone

BJ's Perks MC: 10c off gas/gal

BCE: Rare grocery purchases if DW yells at me to get something after work

Discover: everything else

Capital One QS: Backup for Discover if merchant does not take Discover.

Re: 3rd quarter wallet...

CreditCuriosity — Tue, 16 Jun 2015 22:50:51 GMT

Gas - Freedom or SM, probably freedom due to UR more valueable

Grocery - SM

Food - CSP2x (Food/Bar) and Amex Hhonor (Food) 5x

Electronics Aka Amazon - SM as awlways

Everything else - Mainly Amex ED (gotta love my biggest CL ATM), QS, US Bank, etc.. Whatever 1% vs 2% isn't going to kill me on this category

Re: 3rd quarter wallet...

Anonymous — Tue, 16 Jun 2015 23:07:50 GMT

In wallet:

Amex BC: Groceries/Drugstore

Freedom: Gas

Cash +: Vet, Cell phone

Citi Forward: Dining (and Amazon)

Discover Miles: Everything else

Citi DC: when Discover isn't accepted.

Used online:

ebates Visa (Amex Gift cards)

CSP/Arrival +: flights/hotels

Re: 3rd quarter wallet...

happypill — Tue, 16 Jun 2015 23:22:22 GMT

Same as every other quarter.

Sallie Mae for gas, groceries & Amazon

Amazon store card for Amazon

Venture for everything else.

Re: 3rd quarter wallet...

SMDLiquid — Tue, 16 Jun 2015 23:38:30 GMT

Freedom for Gas & Khol's

CSP for Dinning & Travel

Amex EDP for Groceries & general spent

Amex SPG for Hotels & general spent

Sock drawer duty - WF, Aviator Red, Citibank, CapOne,

Re: 3rd quarter wallet...

Anonymous — Tue, 16 Jun 2015 23:45:39 GMT

congrats!

Re: 3rd quarter wallet...

Anonymous — Wed, 17 Jun 2015 00:48:23 GMT

Sallie Mae for gas/groceries

BCP for more groceries

Double cash for gen spend

CSP for dining/travel

Discover It for 10% ON AMAZON BABY and discover deals

Simplicity...still rotting with some BTs that are 0% until february

I'll put some stuff on PRG for min spend and for baggage fee refund when I travel in August, otherwise bench it for a while I guess

Re: 3rd quarter wallet...

Anonymous — Wed, 17 Jun 2015 03:19:04 GMT

@Anonymous wrote:
In wallet:

Amex BC: Groceries/Drugstore
Freedom: Gas
Cash +: Vet, Cell phone
Citi Forward: Dining (and Amazon)
Discover Miles: Everything else
Citi DC: when Discover isn't accepted.

Used online:
ebates Visa (Amex Gift cards)
CSP/Arrival +: flights/hotels

Vet? Like Veterinarian? Is that a reward category that I missed?

Re: 3rd quarter wallet...

Imperfectfuture — Wed, 17 Jun 2015 03:33:24 GMT

Amazon, Walmart Online, non Amex Dining - Discover

Groceries - BCE

Gas Convenience Store - Freedom

Dining, Cell Phone, Cable, Pure Business - SimplyCash

Everything Else - US Airways

SD QS - Netflix, Uber
SD Alaska USA, Amazon Visa

Re: 3rd quarter wallet...

celluloid17 — Wed, 17 Jun 2015 05:19:08 GMT

Sallie Mae - groceries & gas

US Bank Cash + - dining (restaurants/fast food) & cell phone

Citi DoubleCash - general spend & major bill pay

Discover It - department stores & amazon

ETA: Amex TrueEarnings - Costco

Re: 3rd quarter wallet...

amakol — Wed, 17 Jun 2015 03:41:12 GMT

Amazon, Home Improvement, Dept Stores - Discover at 10%

Gas - Freedom at 5%

Rest - Double Cash or Discover at 2%

Re: 3rd quarter wallet...

Anonymous — Wed, 17 Jun 2015 03:45:02 GMT

Going to be in the middle of the IHG spending bonus so after that it will be Marriott for vacation and Discover for everything else. I'm really disappointed in the Freedom Q3. I was gonna take some of the limit from my IHG and put it on my Freedom but now I'm not so sure. That card has definitely been SD'd for awhile.

Re: 3rd quarter wallet...

Anonymous — Wed, 17 Jun 2015 05:05:05 GMT

@Anonymous wrote:
@Anonymous wrote:
In wallet:

Amex BC: Groceries/Drugstore
Freedom: Gas
Cash +: Vet, Cell phone
Citi Forward: Dining (and Amazon)
Discover Miles: Everything else
Citi DC: when Discover isn't accepted.

Used online:
ebates Visa (Amex Gift cards)
CSP/Arrival +: flights/hotels

Vet? Like Veterinarian? Is that a reward category that I missed?

It is veternarian, but it's not a general category. Our vets are at a major animal hospital, which happens to code as a charity (because I guess it is one!). So the good news is that we get 5% off with the Cash +. choosing Charity as one of the 5% The bad news is that we max out the category on two cards in most quarters.....

Re: 3rd quarter wallet...

Imperfectfuture — Wed, 17 Jun 2015 05:06:35 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
In wallet:

Amex BC: Groceries/Drugstore
Freedom: Gas
Cash +: Vet, Cell phone
Citi Forward: Dining (and Amazon)
Discover Miles: Everything else
Citi DC: when Discover isn't accepted.

Used online:
ebates Visa (Amex Gift cards)
CSP/Arrival +: flights/hotels

Vet? Like Veterinarian? Is that a reward category that I missed?
It is veternarian, but it's not a general category. Our vets are at a major animal hospital, which happens to code as a charity (because I guess it is one!). So the good news is that we get 5% off with the Cash +. choosing Charity as one of the 5% The bad news is that we max out the category on two cards in most quarters.....

Animal lover.

Re: 3rd quarter wallet...

Revelate — Wed, 17 Jun 2015 06:09:12 GMT

Rethinking my spree and rewards plans so this might change but:

CSP: restaurants + meeting bonus spend unless I can get stupid on mortgage payment

Venture: if I get a non-trivial CSP limit (stranger things have happened) ain't even doing this app but otherwise meeting spend requirements, might as well with decorating new place.

Freedom: gas

Discover: anything which lands on that sweet 10% bonus up to $1500. Possible default spend after bonuses met for button smashing purposes as plan C for getting a 20K CL out of this spree somehow.

Not really sure I'm even going to carry my usual Fidelity default spender around. Feels wierd relegating that to SD and Sallie for Amazon purchases only after being my two go to cards for the entire year other than Freedom recently on way too many restaurants. Maybe BCP depending on how much grocery shopping I do in the few months post mortgage but I don't think that'll be a tremendous amount.