topic Re: Credit Card Carry in Credit Cards

Credit Card Carry

Anonymous — Mon, 23 Dec 2019 18:30:01 GMT

First, I want to wish everyone a joyous holiday season and a happy, healthy New Year.

I was just wondering how many and what credit cards evereyone is carrying these days.

As for me, I only carry three of the four cards I have left.

I carry AMEX BCP for 6% groceries and 3% gas, Citi DC for 2% everywhere else, and Target Redcard for 5% at Target.

Chase Freedom is home in the sockdrawer, although I did move my ATT autopay from DC to Chase for the next 3 months to get 5% rather than 2%. When the quarter ends, I will move it back to Citi DC.

I have not missed having a Visa in my wallet, since the only place this is an issue is Costco, and my wife carries the Costco Visa, and we go together.

How about others?

Re: Credit Card Carry

Anonymous — Mon, 23 Dec 2019 18:55:15 GMT

Much simpler for me, as most Amex multipliers don't work outside the US and/or have FTFs and I'm not in with Chase, Citi or Discover.

Savor One for restaurants

PayPal MasterCard for everything else.

Re: Credit Card Carry

jl4 — Mon, 23 Dec 2019 19:37:18 GMT

I only carry a handful but have way more that sit in the drawer.

- Amex BCP - groceries 6%

- Costco Visa - Costco 4%, gas 4%, travel 3%, restaurants 3%

- Apple Card (virtual) - 2-3% Apple Pay transactions not convered by above

- BECU Visa - 1.5% everything else.

Re: Credit Card Carry

iced — Mon, 23 Dec 2019 21:01:27 GMT

@Anonymous wrote:
First, I want to wish everyone a joyous holiday season and a happy, healthy New Year.

I was just wondering how many and what credit cards evereyone is carrying these days.

As for me, I only carry three of the four cards I have left.

I carry AMEX BCP for 6% groceries and 3% gas, Citi DC for 2% everywhere else, and Target Redcard for 5% at Target.

Chase Freedom is home in the sockdrawer, although I did move my ATT autopay from DC to Chase for the next 3 months to get 5% rather than 2%. When the quarter ends, I will move it back to Citi DC.

I have not missed having a Visa in my wallet, since the only place this is an issue is Costco, and my wife carries the Costco Visa, and we go together.

How about others?

Chase Sapphire Reserve, American Express Platinum, and a Citi Rewards+ card I use for those quick pickups at local grocer or bakery. I keep threatening to replace the Citi with a Freedom Unlimited as I can make much better use of UR than I can TY, but I get the stinkeye from the SO when I so much as think about applying for a new card.

About 85% of my annual spend is in the dining and travel categories, so this mostly works for me.

Re: Credit Card Carry

Anonymous — Tue, 24 Dec 2019 16:53:22 GMT

In my sig. I carry 7, half of them on constant rotation, depending on the 5% categories, offers, and where I am going soon. The core cards that stay in my wallet are propel, csR, gold, aaps.

I only carry one or two embossed cards, it takes too much space.

Re: Credit Card Carry

Anonymous — Mon, 23 Dec 2019 21:54:46 GMT

Citizen's 5% visa and CSR for backup. I have several other cards on my phone, but at present only use the Citizens (which, as I previously posted, doesn't support mobile payment on Android)

Re: Credit Card Carry

Loquat — Mon, 23 Dec 2019 22:11:27 GMT

Amex Business Gold, Blue Business Plus, and Double Cash only for that rare place that may not accept Amex.

Re: Credit Card Carry

MyFault — Mon, 23 Dec 2019 22:17:47 GMT

In my wallet is my CSP, US Bank Corporate Travel, NFCU debit, and corporate wex fuel card.
Soon I'll be adding CFU for all non travel and dining.

The rest in my signature are sock drawered unless I need them for a special occasion. The Amex Amazon Biz stays in the sock drawer as I only use it for Amazon.com.

Re: Credit Card Carry

Anonymous — Mon, 23 Dec 2019 22:37:48 GMT

All of them!

Goldman Sachs Apple Card
Chase United TravelBank
Chase Amazon Prime
American Express Magnet
American Express Everyday

Re: Credit Card Carry

Andypanda — Mon, 23 Dec 2019 23:05:20 GMT

Amex BCE

WF Propel

Citi DC

Target Red card

Citi Costco Visa

I keep my US BAnk card seperate, and it never leaves the house, in case I loose my wallet. I only ise it at home when I pay my utillitie and cell phone bills.

MS. Disco will go back into my wallet on Jan. 1 when the grocery catagory starts.

Re: Credit Card Carry

DH1988 — Mon, 23 Dec 2019 23:16:10 GMT

Thanks for your post. I always wonder how people rotate/utilize their cards, especially the ppl that have so many cards.

I have 6 cards. Next month this is my plan:

In my wallet:

Chase Freedom: 5x rotating, 2020 Q1 Gas
NFCU More rewards: 3x restaurants, groceries, Gas (when no a CF bonus category)
NFCU Flagship: 3x travel, 2x everything else

1.5x cards: AMEX CM, Cap One QS
Nordstrom VS

Re: Credit Card Carry

Anonymous — Mon, 23 Dec 2019 23:39:13 GMT

I carry all 9 of my cards at all times. I put spend on every single one every month except Lowe's. And report balances on every one.

Savor for restaurants and entertainment, golf

PNC for gas and fast food or small restaurant charges, golf

Propel for small restaurant charges/fast food/travel/parking/tolls

Amex for Amex offers

Citi DC for non category

DISCOVER for categories

BoA for online, Walmart, deals

CF for deals, golf

Plus all cards get at least 1 transaction in the 1% category each month.

Re: Credit Card Carry

Aim_High — Tue, 24 Dec 2019 00:01:23 GMT

@Anonymous wrote:
In my sig. I carry 7 ...

I've often wondered if you knew your signature is mostly illegible to at least some of us?

I don't think it's a web-blocker app or anything but I see mostly gibberish symbols.

Don't know if it will look different to you but I see this:

ѠαԼԼεէ ✈⛽☕ թⲅoթ∈l ✈☕⸿sᖇ ✈☕⻇❡olδ ┊ↇᏨ ⚕ᙪᙪթ ⛽☏ ⍶⍶թƧ☕iէ
⛪ ८ſu ┊ ८ſ ⻇ Ⲙileⴑթ ┊ēᗟ ┊Ҩⵢ ┊⍶⍶թƧβiz⛪⸨ꜷ ᐰmzn ᐰ√ ⌚wſ -√ ⸩ Ⲹ⍥Ⲹ⚫ ⮛▲G, Ձ൦Ձ❶: ✢८αsℏẉisē, թreᲠier, ᐰviα₶oⲅℝ

Re: Credit Card Carry

Anonymous — Tue, 24 Dec 2019 00:07:03 GMT

@Aim_High wrote:
@Anonymous wrote:
In my sig. I carry 7 ...
I've often wondered if you knew your signature is mostly illegible to at least some of us?
I don't think it's a web-blocker app or anything but I see mostly gibberish symbols.
Don't know if it will look different to you but I see this:

ѠαԼԼεէ ✈⛽☕ թⲅoթ∈l ✈☕⸿sᖇ ✈☕⻇❡olδ ┊ↇᏨ ⚕ᙪᙪթ ⛽☏ ⍶⍶թƧ☕iէ
⛪ ८ſu ┊ ८ſ ⻇ Ⲙileⴑթ ┊ēᗟ ┊Ҩⵢ ┊⍶⍶թƧβiz⛪⸨ꜷ ᐰmzn ᐰ√ ⌚wſ -√ ⸩ Ⲹ⍥Ⲹ⚫ ⮛▲G, Ձ൦Ձ❶: ✢८αsℏẉisē, թreᲠier, ᐰviα₶oⲅℝ

Most of it is "clear". To start, Wallet: propel is used for travel, gas, dining, CSR is used for travel and dining, gold is used for travel, dining and groceries etc (with DC, BBP, Discover IT, CFU etc having other sesctions, adding goals for 2020 at the end).

Re: Credit Card Carry

Shooting-For-800 — Tue, 24 Dec 2019 00:14:56 GMT

Navy Flagship Siggy 2-3%

Navy More Rewards Amex 2-3%

Cap One Savor WEMC 2-4%

Costco Visa 2%-3%

Venture Siggy 2%

Uber Siggy 2%

Wells Fargo Amex 3%

Lowes 5-10%

Re: Credit Card Carry

redpat — Tue, 24 Dec 2019 00:28:54 GMT

Personal - Wallet, Amex Gold I haven't had to use Visa/MC for months now.

Xmas shopping today in store Rakuten and stacked some Amex offers.

Re: Credit Card Carry

iheartwings — Tue, 24 Dec 2019 00:28:46 GMT

Well, I have 12 of 13 cards registered with Apple Wallet, so I sometimes I use something out of rotation. My 13th card is a Target MC, and I only use it at Target and pay with it via the Target app.

Otherwise, I physically carry CSR (dining)/CFU (everything else)/Costco Visa (gas)/sometimes BCE (For groceries, when not CF or Discover, which I use with ApplePay. There is one chain in my neighborhood that doesn't accept AmEx via ApplePay.), unless traveling internationally, then it's CSR/Costco/Bonvoy AmEx/Schwab debit.

When I travel I carry a second wallet kept in a hidden pocket in my backpack, which has AmEx Plat/REI MC/other bank debit.

Re: Credit Card Carry

Trudy — Tue, 24 Dec 2019 00:38:21 GMT

I probably don't have the best cash back cards because all but 2 of my cards are over 10 years old before I even thought about rewards. I have PC'd some cards and so:

Savor - 4% dining (most spend) and 3% groceries (not as much, see dining )

USBank - 5% categories based on planned purchases, always 2% for gas

Rotate the others just to keep them active.

Re: Credit Card Carry

Aim_High — Tue, 24 Dec 2019 02:39:22 GMT

@Anonymous wrote:
I was just wondering how many and what credit cards evereyone is carrying these days.
As for me, I only carry three of the four cards I have left.

Almost all of them, which is really too many! I've stretched out the leather in part of my credit card section! Lol Part of that is qualifying for multiple SUBs in past year. But I also spend regularly on many of the cards. It's probably more simple right now to ask me what I *DON"T* carry!

What I have but don't carry and why:

Credit Union Visa

(low CU Rewards program = 1% normally)

Chase INK Business Cash.

Business card so I don't spend on it for personal spending.

Pays 5% (7.5% UR) on office supplies as needed but I don't go often.

I do have my cell phone bill and cable TV-Internet bill auto-billed to this card where I earn 5 URs (5%) per dollar worth 7.5% return when I roll them over to my CSR UR portal.

Navy FCU Platinum.

I got this card for the outstanding low 7.49% interest rate for contingencies but don't plan to spend on it regularly since it has no rewards.

Physical Apple Card.

Why? Poor 1% rewards. Too bulky. Don't need it.

These cards are in my wallet right now (12 physical cards):

Chase Sapphire Reserve

Dining out and heavy use for that.

This card also gets travel expenses, tolls, etc as they occur.

3% worth 4.5% return on Chase UR travel redemptions

(My employer pays my non-dining travel expenses directly.)

Chase Freedom

5% categories.

Chase Offers.

Chase Freedom Unlimited 1.5%*

Chase Offers.

Sometimes regular spend as part of quadfecta

*Worth 2.25% return for Chase UR travel redemptions.

Chase Marriott Bonvoy Boundless

Chase Offers.

In-hotel spending*.

*6 points @ 0.8 ccp = 4.8% return.

Chase World of Hyatt

Chase Offers.

In-hotel spending*.

*4 points @ 1.7 ccp = 6.8% return.

Capital One Quicksilver 1.5%

Will be SDd soon.

Citi Costco

Mainly for 4% gas and 2% Costco now.

Previously got heavy spend for dining + travel (3%)

Discover IT Chrome. 2% dining and gas.

Previously used for smaller travel food purchases at 2%.

May switch back to IT 5% categories.

AFBA/UMB Simply Rewards

Mainly for 3% groceries.

(Also gets 3% gas & restaurants but I have other options.)

Bank of America Cash Rewards

3% on Internet shopping currently.

PenFed Power Cash 2%

Currently on SUB spend but will be daily driver also at flat 2%.

USAA Rate Advantage

Need to resock drawer this one - same reason as NFCU Platinum

(Virtual) Apple Card (not physical) - after recent CLI denial, will be "virtually-SD'd." Lol

This doesn't count debit cards. I don't even carry them all because I only use them for ATM withdrawals and have many accounts with many banks and credit unions.

Re: Credit Card Carry

Anonymous — Tue, 24 Dec 2019 00:42:48 GMT

@Anonymous wrote:
@Aim_High wrote:
@Anonymous wrote:
In my sig. I carry 7 ...
I've often wondered if you knew your signature is mostly illegible to at least some of us?
I don't think it's a web-blocker app or anything but I see mostly gibberish symbols.
Don't know if it will look different to you but I see this:

ѠαԼԼεէ ✈⛽☕ թⲅoթ∈l ✈☕⸿sᖇ ✈☕⻇❡olδ ┊ↇᏨ ⚕ᙪᙪթ ⛽☏ ⍶⍶թƧ☕iէ
⛪ ८ſu ┊ ८ſ ⻇ Ⲙileⴑթ ┊ēᗟ ┊Ҩⵢ ┊⍶⍶թƧβiz⛪⸨ꜷ ᐰmzn ᐰ√ ⌚wſ -√ ⸩ Ⲹ⍥Ⲹ⚫ ⮛▲G, Ձ൦Ձ❶: ✢८αsℏẉisē, թreᲠier, ᐰviα₶oⲅℝ

Most of it is "clear". To start, Wallet: propel is used for travel, gas, dining, CSR is used for travel and dining, gold is used for travel, dining and groceries etc (with DC, BBP, Discover IT, CFU etc having other sesctions, adding goals for 2020 at the end).

Thanks!

I used to use card images, then I noticed the space holder (when image is not loaded) is enormous on mobile web on my firefox. The more image I have, the more wasted space there is on the page.

It's fun to play around with HTML symbols,