topic Re: What's your current card lineup? in Credit Cards

What's your current card lineup?

Rockysocks — Mon, 24 Oct 2022 02:33:32 GMT

If memory serves me correctly, and 10 minutes of thread searching didn't fail me, the last time we had a similar thread was one year ago, SO what cards are in everyone's decks now??

I always love threads like this because it can introduce both new and seasoned members to beneficial cards they may have otherwise not known even existed. Plus, what would we be doing on MF forums if we didn't enjoy talking about our cards? Lol

Feel free to give supportive details about your plastic, such as why it works for you and so forth.

My current (active, not sock-drawered) lineup includes:

-US Bank Cash+ Visa siggy: 5% on water, electric, and internet (definitely has been in my lineup the longest)

-Citi Custom Cash W.E. Mastercard: 5% on prepped food

-My Chevrolet Rewards W.E. Mastercard: 4% everything else (& 7% GM stuff)

-Wells Fargo Autograph Visa siggy: cell phone protection (& 3% on it)

-AOD Visa siggy: my spouse's single go-to credit card for 3% back on his gas, groceries, etc., but it's in my name, sooo... Lol

Re: What's your current card lineup?

Anonymous — Mon, 24 Oct 2022 05:14:01 GMT

Thx for the thread I luv it as a novice lol. Absolutely LUV your lineup, pretty much unbeatable for CB

When I first got Cap 1 Secured Platinum on April last year, to August when I got Citi DC, naturally used that one card.

After I got Citi DC on August then CFF on September last year, most spend went to CFF(including 1 year grocery 5%), non category like gym/cell phone/transit to Citi, and car rental to Cap 1(CDW)

Then when I got Savor One Jan. this year, had high hope for Indian Wells tennis tournament as entertainment, but they treacherously coded those tickets as Club Membership so got 1% not 3% when that was pretty much the only reason I apped in the first place! I use this for car rental, plus grocery now(3%) after CFF first year 5% ended last month. Also use it for local Middle Eastern bakery for cookies(3% as restaurant)!

Disco It CB this Feb., naturally for rotators. Used it a lot last quarter for restaurant! My basic smartphone doesn't have tap feature, ugh, so can't tap it via Google Pay(5%) at supermarkets, but can use it on others like Subway using its app, so am eating Subway a lot lol.

CFF from this month, mostly SDed due to toy limit, only using it for Starbucks(Paypal, using app, 5% now, total 7% but I've drank too much of those EXPENSIVE drinks this month hooked by Rewards star system lol, will switch back to much cheaper McCafe, using McRewards app!). Will use it at Walmart(5%) when I travel to SD next month and Florida in December. This and Savor One both give back 3% on dining.

WF Bilt arrives tomorrow, already paid next month's rent(1pt), and it has restaurant for 3 pts, so will use this mainly for that. Travel 2 pts, and since it provides PRIMARY CDW, my car rental goes to this, too. Will use those pts to transfer to airlines(AA).

Citi AA MileUp arrives next week, impatiently waiting to admire the beautiful design Have to meet 3 months 1k for 20k miles sub, so will use this a lot, especially for groceries(2 miles), and will probably buy a ticket to Seoul(not sure though, maybe just charge on Citi DC or Disco It CB for 2% back?).

I'm a very frugal spender with low income(how frugal I used Spirit airline far often than other ones lol the most expensive Delta only once! The only domestic airlines I haven't used are..JetBlue and Frontier. Frontier I booked but it got cancelled at McAllen lol, but their customer svc team helped me book for Southwest, that one was nice. For lodging, naturally lol, airbnb!), those recurring expenses gym/cell phone/bus monthly pass are total $70 lol, so dunno how much I can actually save using 3% vs 2% haha(for 1-card lineup Autograph seems unbeatable though!). 5% maybe lol so US Bank Cash+ is my goal card in the future(why did I cancel the secured one this February, ughh, made ALL the wrong choices )

So right now, especially starting next week, will mainly use Bilt and MileUp for everyday spend, Citi DC for those recurring non category spend, Disco It and CFF for rotators(which won't be much, CFF I'm throwing in SD jail for no-CLI ). Seems Savor One will be SDed as well.

Re: What's your current card lineup?

DogwoodLynx — Mon, 24 Oct 2022 03:16:24 GMT

I like reading these threads too! I always learn a ton even if it wont apply to me for several years.

I am still waiting for my BK7 discharge in December so likely no cards for me until January 2023 after the dust settles.

Re: What's your current card lineup?

pinkandgrey — Mon, 24 Oct 2022 12:19:16 GMT

My current lineup is working great and I don't plan on adding or removing anything. It fits my OCD because I have one of each major issuer, and it's ALL cashback rewards, which I highly prefer.

Re: What's your current card lineup?

sourpuss29 — Mon, 24 Oct 2022 12:59:35 GMT

Amex BCE

Chase Freedom Flex

Citi Custom Cash

Navy Federal cashRewards

I'm VERY conservative when it comes to credit cards, which is why, with the exception of eventually cancelling one, my lineup will not change. I had entertained the possibility of applying for the U.S. Bank Shopper Cash Rewards when it becomes available; however, learning about the annual fee nixed that right in the bud.

Re: What's your current card lineup?

Heatt99 — Mon, 24 Oct 2022 12:54:09 GMT

well, my lineup can change in any minute, but as of right now it is:

* WF Autograph--3% Travel, Cell phone, Tolls, Gas, Dining. Heavy use hoping for a 6 mo auto increase.

* Discover--5% Digital wallet. Use mainly at supermarkets and Gas that accepts DW

* AX Delta Gold--Travel and use the earned $100 statement credit and point for a flight or two

* FNBO--2% Catch everything else. (🙏 that they don't CLD me as it sits at 23k)

Re: What's your current card lineup?

Yasselife — Mon, 24 Oct 2022 12:59:20 GMT

👇 I like to diversify + It's becoming a hobby of collecting cards more than anything else. Wallet:

BCP : groceries

citi: dining

usaa amex: gas

@Rockysocks

Re: What's your current card lineup?

bigseegar — Mon, 24 Oct 2022 12:58:59 GMT

AmEx Platinum, Amex Gold, Amex Green, Amex HH, Amex BCP, Amex Delta

Truist Visa Travel x2, Truist Enjoy Cash x2 (4 Truist Visa's total)

Sofi World Class MC

Apple MC

Verizon Signature Visa

Discover IT

GM Marcus MC

SECU Visa

Cap1 QS MC

Citi Home Depot

Lowe's

Kohl's

Target

and 4 other dedicated store cards

Re: What's your current card lineup?

Salanth — Mon, 24 Oct 2022 13:56:01 GMT

I'm on a MR kick at the moment. I want to see how much i can accumulate in a year with business/personal expenses.

Daily use- Amex Bbp

Food/takeout- Gold Amex

Hotels/ etc. - Plat Amex

Ive socked most of my other cards at the moment - besides keeping 1-3 visa/Mastercards just in case Amex isn't accepted.

Re: What's your current card lineup?

MarkintheHV — Sat, 29 Oct 2022 21:17:48 GMT

I prefer a smaller number of cards (easier to manage) with larger credit lines. This is what I have:

Amex Platinum - NPSL

AmEx Gold - NPSL
BoA CCR MC - $45k
NFCU Flagship Visa - $41k
AmEx BCP - 45k
Amazon AmEx Biz - 30k
BoA Unlimited Cash MC Biz -21.5k

I carry my Amex Platinum, CCR MC, NFCU Visa, and Amex BCP in my wallet. The business cards and Amex Gold are put away since I got the Amazon Amex just for Amazon, and I only got the BOA business mastercard because they offered a $500 sign up bonus.

I am very happy with what I have, and have no plans to apply for more, just work on increasing my credit lines.

Re: What's your current card lineup?

Kforce — Mon, 24 Oct 2022 15:58:15 GMT

I use two cards for all spend. (AOD and USAlliant)

Have 4 cards in sock drawer, few dollars to keep alive.

Two very old CU cards 25-30 years age each.

Two cards for back up just in case AOD & USAlliant get nerfed.

FNBO 2% general & Bank of West 3% (Grocery, gas, restaurant, fast-food)

LIke @pinkandgrey and @sourpuss29

Content with a small card set of caskback only cards.

I closed one card last week.

Maybe close one of the old CU cards early next year, still deciding.

However with the recent FNBO nerfing's, and BofW changing ownership ?

Maybe lose or close one or both of them first.

Re: What's your current card lineup?

Anonymous — Mon, 24 Oct 2022 16:00:40 GMT

I think for frugal spenders Cash Back is king, even paying for airline tickets and such. If you don't travel often, really what's the use of accumulating points. Give me hard cash any day!

Re: What's your current card lineup?

PullingMeSoftly — Mon, 24 Oct 2022 16:28:06 GMT

Q4 lineup looks like this right now:

Groceries	Affinity 7% BCP 6%
Restaurants	Nusenda 5% Langley 5% Citi CC 5% GO 4%
Gas	United 10x Connect 9x Affinity 7%
Wholesale	VWest 5%
Mobile Wallet	Discover 5%
Paypal	Freedom 5%
Cell, Home Phone, Internet, Utilities	Cash+ 5%

Mostly using Langley for dining until I hit the small sub, then will be equally distributing across Nusenda & Citi CC. The DW used the GO on an international trip so I'll let that one breathe for a bit. My grocery spend goes on AFCU, DW uses the BCP. Gas is almost entirely on the Connect until I hit the elevated sub for the 9x, then will be hitting United pretty hard after that. Costco will be ramping up soon now that DW is back from her trip, so the Vantage West will be on duty. Disco for everything else via mobile wallet. Physical wallet has a few of the above, but I haven't swiped a card in quite a while, all digital wallet with the exception of a couple small mom & pops.

Re: What's your current card lineup?

Namaste7 — Mon, 24 Oct 2022 17:45:27 GMT

My focus changed from MR to cashback once business travel came to a halt at the start of the pandemic. Over that time, I really love cashback 😊. This my my current line up, in order of use, and will remain the same through 'Q3 2023:

Disco It | 5% CB rotating category + 0% purchase APR promo

BoA CCR | 5% CB online purchases and 3.5% grocery

AppleCard | 3% CB Apple and 2% ApplePay

SDFCU | 2% CB all purchases

Re: What's your current card lineup?

Anonymous — Mon, 24 Oct 2022 17:46:36 GMT

Wow @PullingMeSoftly

Re: What's your current card lineup?

Suzette2 — Mon, 24 Oct 2022 17:52:12 GMT

@Anonymous wrote:
Thx for the thread I luv it as a novice lol. Absolutely LUV your lineup, pretty much unbeatable for CB

When I first got Cap 1 Secured Platinum on April last year, to August when I got Citi DC, naturally used that one card.

After I got Citi DC on August then CFF on September last year, most spend went to CFF(including 1 year grocery 5%), non category like gym/cell phone/transit to Citi, and car rental to Cap 1(CDW)

Then when I got Savor One Jan. this year, had high hope for Indian Wells tennis tournament as entertainment, but they treacherously coded those tickets as Club Membership so got 1% not 3% when that was pretty much the only reason I apped in the first place! I use this for car rental, plus grocery now(3%) after CFF first year 5% ended last month. Also use it for local Middle Eastern bakery for cookies(3% as restaurant)!

Disco It CB this Feb., naturally for rotators. Used it a lot last quarter for restaurant! My basic smartphone doesn't have tap feature, ugh, so can't tap it via Google Pay(5%) at supermarkets, but can use it on others like Subway using its app, so am eating Subway a lot lol.

CFF from this month, mostly SDed due to toy limit, only using it for Starbucks(Paypal, using app, 5% now, total 7% but I've drank too much of those EXPENSIVE drinks this month hooked by Rewards star system lol, will switch back to much cheaper McCafe, using McRewards app!). Will use it at Walmart(5%) when I travel to SD next month and Florida in December. This and Savor One both give back 3% on dining.

WF Bilt arrives tomorrow, already paid next month's rent(1pt), and it has restaurant for 3 pts, so will use this mainly for that. Travel 2 pts, and since it provides PRIMARY CDW, my car rental goes to this, too. Will use those pts to transfer to airlines(AA).

Citi AA MileUp arrives next week, impatiently waiting to admire the beautiful design Have to meet 3 months 1k for 20k miles sub, so will use this a lot, especially for groceries(2 miles), and will probably buy a ticket to Seoul(not sure though, maybe just charge on Citi DC or Disco It CB for 2% back?).

I'm a very frugal spender with low income(how frugal I used Spirit airline far often than other ones lol the most expensive Delta only once! The only domestic airlines I haven't used are..JetBlue and Frontier. Frontier I booked but it got cancelled at McAllen lol, but their customer svc team helped me book for Southwest, that one was nice. For lodging, naturally lol, airbnb!), those recurring expenses gym/cell phone/bus monthly pass are total $70 lol, so dunno how much I can actually save using 3% vs 2% haha(for 1-card lineup Autograph seems unbeatable though!). 5% maybe lol so US Bank Cash+ is my goal card in the future(why did I cancel the secured one this February, ughh, made ALL the wrong choices )

So right now, especially starting next week, will mainly use Bilt and MileUp for everyday spend, Citi DC for those recurring non category spend, Disco It and CFF for rotators(which won't be much, CFF I'm throwing in SD jail for no-CLI ). Seems Savor One will be SDed as well.

Started with some subprimes/gone now. I pretty much use the BCP for groceries....Disco for dining out, gas & incidentals and maybe a bill or two....Lowe's for home stuff....Care Credit for emergencies/vet/docs/dentist.....My AmEx delta is for airfare/gas....my AmEx Plat Business & AmEx Gold Business are for all business and dining out/bills and I am accumulating points..... I have the Bread CB 2 percent but don't use it as much. The BofA I'm an AU and it's just a 1k toy limit so it is just occasional gas, etc.

Re: What's your current card lineup?

Hansolojr — Mon, 24 Oct 2022 19:17:38 GMT

Gotta rejigger at month end due to spend limits, but wallet lineup for October:

Amazon - Chase Amazon Visa, 5% cash back

Costco - BofA Unlimited Cash 2.625%

Dining - Nusenda 7%

Gas - Langley Debit Visa 10%

Groceries - BCP 6%

Mobile wallet - Discover 5%

Online purchases - Nusenda 7%

Target - Nusenda 7%

Travel - GreenState 5%

Utilities - USB Cash+ 5%

Cash back rates include short-term promotions; see siggy for normal rates

Re: What's your current card lineup?

Anonymous — Mon, 24 Oct 2022 19:58:35 GMT

@Anonymous wrote:
I think for frugal spenders Cash Back is king, even paying for airline tickets and such. If you don't travel often, really what's the use of accumulating points. Give me hard cash any day!

Well, some very infrequent travelers may still want "the trip of a lifetime" type thing. Cashback doesn't work well for first class international airfare (or luxury hotels). But if you have no interest in such things, and travel infrequently, cashback works well.

Re: What's your current card lineup?

DogwoodLynx — Mon, 24 Oct 2022 20:03:02 GMT

@Anonymous wrote:
@Anonymous wrote:
I think for frugal spenders Cash Back is king, even paying for airline tickets and such. If you don't travel often, really what's the use of accumulating points. Give me hard cash any day!
Well, some very infrequent travelers may still want "the trip of a lifetime" type thing. Cashback doesn't work well for first class international airfare (or luxury hotels). But if you have no interest in such things, and travel infrequently, cashback works well.

Do points pay for a month long vacation in the middle of nowhere? Just me, my dog, snowy mountains, and a wood stove! No internet, no phone, and no way to find me!

Thats the kind of vacation I want.

Re: What's your current card lineup?

cws-21 — Mon, 24 Oct 2022 21:35:43 GMT

My setup is below, which I think is the optimal cash back setup for my spending habits. I somewhat recently closed my Wells Fargo Propel and Citi Double Cash.

Affinity Cash Rewards Visa Signature: mostly for rotating categories and 5% cash back at Amazon, but also for 5% on bookstores and no foreign transaction fee Visa
Citi Custom Cash Card: mostly for 5% cash back on groceries up to $500 monthly cap, but also possibly for 5% on gas if ever my Ducks Unlimited is nerfed for existing customers
American Express Blue Cash Preferred: mostly for 6% (4.4% with annual fee subtracted) cash back on groceries up to $6,000 yearly cap, but also for Amex Offers, Purchase Protection, Return Protection, and Extended Warranty
U.S. Bank Altitude Go: mostly for 4% cash back on dining (unlimited), but also for streaming bonus and no foreign transaction fee Visa
FNBO Ducks Unlimited Rewards Signature Visa: mostly for 5% cash back on gas (inside convenience stores and at pump), but also for 5% on sporting goods
Wells Fargo Autograph Card: mostly for 3% cash back on phone plans and cellphone protection, but also 3% on transit, 3% on travel, no foreign transaction fee Visa, and My Wells Fargo Deals
Target RedCard Credit Card: mostly for 5% discount at Target and, hopefully, no foreign transaction fee Mastercard in the future if converted
AOD Visa Signature Credit Card: mostly for 3% cash back on everything else, but also for no foreign transaction fee Visa and low APR