topic Re: If you could only carry 2 cards... in Credit Cards

If you could only carry 2 cards...

Anonymous — Sat, 18 Apr 2020 14:14:08 GMT

If you could only carry 2 credit cards in your purse / wallet. What would they be?

I'll be applying for an Amex Gold in a few weeks and want to supplement that with a non Amex for places that don't accept Amex. I could just fall back to the plain ol' debit card.

I have only about $2500 / $3000 worth of spend a month and I'm not sure if it's worth it to spread it scores multiple cards?

I plan to put my Discover and Amex Delta Gold in a drawer while having some auto pay stuff attached to them to keep them alive.

What would you do?

Re: If you could only carry 2 cards...

M_Smart007 — Sat, 18 Apr 2020 14:32:31 GMT

I would really look at getting a Visa/MasterCard .. possibly 2/3%'er.

There are many flavor's .. and you will get opinions that vary.

Re: If you could only carry 2 cards...

Anonymous — Sat, 18 Apr 2020 14:34:56 GMT

@M_Smart007 wrote:
I would really look at getting a Visa/MasterCard .. possibly 2/3%'er.
There are many flavor's .. and you will get opinions that vary.

By % do you mean cash back? Could you recommend a few perhaps?

Re: If you could only carry 2 cards...

wasCB14 — Sat, 18 Apr 2020 14:39:45 GMT

Schwab Platinum - Perks, flights, stuff that can break, sketchy merchants.

BofA Premium (Platinum Honors) - Taxes, bills, Costco and other no-Amex merchants, dining, non-flight travel.

Re: If you could only carry 2 cards...

Anonymous — Sat, 18 Apr 2020 14:41:52 GMT

Chase out of loyalty and AmEx since its my largest CL.

Re: If you could only carry 2 cards...

Anonymous — Sat, 18 Apr 2020 14:43:33 GMT

@wasCB14 wrote:
Schwab Platinum - Perks, flights, stuff that can break, sketchy merchants.
BofA Premium (Platinum Honors) - Taxes, bills, Costco and other no-Amex merchants, dining, non-flight travel.

I have a Schawab account and have looked at that. But is there a min checking or brokerage balance required to get the Schawab Amex Platinum? The MR points conversion is nice.

Re: If you could only carry 2 cards...

Anonymous — Sat, 18 Apr 2020 14:44:42 GMT

@Anonymous wrote:
Chase out of loyalty and AmEx since its my largest CL.

I was thinking Chase Sapphire Reserve and Amex Gold. But that would be over kill in AF. Plus I get all the CSR benifits through Delta now anwyay for being Diamond.

Re: If you could only carry 2 cards...

wasCB14 — Sat, 18 Apr 2020 14:49:13 GMT

@Anonymous wrote:
@wasCB14 wrote:
Schwab Platinum - Perks, flights, stuff that can break, sketchy merchants.
BofA Premium (Platinum Honors) - Taxes, bills, Costco and other no-Amex merchants, dining, non-flight travel.
I have a Schawab account and have looked at that. But is there a min checking or brokerage balance required to get the Schawab Amex Platinum? The MR points conversion is nice.

I don't think so. I think account balances only play a role in the loyalty credit.

Re: If you could only carry 2 cards...

M_Smart007 — Sat, 18 Apr 2020 14:53:07 GMT

@M_Smart007 wrote:
I would really look at getting a Visa/MasterCard .. possibly 2/3%'er.
There are many flavor's .. and you will get opinions that vary.

@Anonymous

PNC Cash rewards

Citi Double Cash

BoA Cash Rewards

BBVA Clearpoints

PenFed Power Cash is 2% (with the right Account)

PayPal 2% MC (no phone app)

AOD CU 3% FoTM

probably some others ...

Re: If you could only carry 2 cards...

Anonymous — Sat, 18 Apr 2020 14:54:19 GMT

@M_Smart007 wrote:
@M_Smart007 wrote:
I would really look at getting a Visa/MasterCard .. possibly 2/3%'er.
There are many flavor's .. and you will get opinions that vary.
@Anonymous

PNC Cash rewards
Citi Double Cash
BoA Cash Rewards
BBVA Clearpoints
PenFed Power Cash is 2% (with the right Account)
PayPal 2% MC (no phone app)

AOD CU 3% FoTM

probably some others ...

Thank you!!! So helpful

Re: If you could only carry 2 cards...

M_Smart007 — Sat, 18 Apr 2020 14:55:06 GMT

You are welcome

Re: If you could only carry 2 cards...

Mv350 — Sat, 18 Apr 2020 15:11:45 GMT

@M_Smart007 wrote:
I would really look at getting a Visa/MasterCard .. possibly 2/3%'er.
There are many flavor's .. and you will get opinions that vary.

PPMC 2% MC

AOD 3% VS

Maybe swap the PPMC for my rotating Disco

Re: If you could only carry 2 cards...

Gunnerboy — Sat, 18 Apr 2020 16:05:17 GMT

AMEX Gold

BECU Cash Back Visa

Re: If you could only carry 2 cards...

AverageJoesCredit — Sat, 18 Apr 2020 15:14:00 GMT

Credit Union cards

Re: If you could only carry 2 cards...

Hut1 — Sat, 18 Apr 2020 15:16:02 GMT

@AverageJoesCredit wrote:
Credit Union cards

AOD & NFCU 😁

Re: If you could only carry 2 cards...

Anonymous — Sat, 18 Apr 2020 15:17:18 GMT

@AverageJoesCredit wrote:
Credit Union cards

I know, right? What's the point of all these fancy cards anyway?! ;-)

Re: If you could only carry 2 cards...

AverageJoesCredit — Sat, 18 Apr 2020 15:17:58 GMT

@Mv350 wrote:
@M_Smart007 wrote:
I would really look at getting a Visa/MasterCard .. possibly 2/3%'er.
There are many flavor's .. and you will get opinions that vary.
PPMC 2% MC
AOD 3% VS
Maybe swap the PPMC for my rotating Disco

Man, you just had to slide that 3%r in there didnt ya? 🤣

Re: If you could only carry 2 cards...

AverageJoesCredit — Sat, 18 Apr 2020 15:19:45 GMT

@Hut1 wrote:
@AverageJoesCredit wrote:
Credit Union cards

+1

AOD & NFCU 😁

Lol, AOD is gonna be a new abbreviation added to main list haha!

Navy Fed/ Langley for sure

Re: If you could only carry 2 cards...

AverageJoesCredit — Sat, 18 Apr 2020 15:22:48 GMT

@Anonymous wrote:
@AverageJoesCredit wrote:
Credit Union cards

I know, right? What's the point of all these fancy cards anyway?! ;-)

Lol yeah i know. But if i were to choose a card or two for 3k monthly spend, oh how i wish i could even do that lol, excluding AOD as its too new, id stick with a straight 2% cb card like DC or PPMC, and something that goes well with the gist of life , dining, gas, and groceries. So maybe an Amex depending on your spend level.

Re: If you could only carry 2 cards...

Anonymous — Sat, 18 Apr 2020 16:21:29 GMT

AOD VISA Signature for 3% cash back everywhere and low APR, NFCU cashRewards MasterCard for a backup in case anything ever happened and I couldn't use my AOD card.