topic Re: Pick 5, only 5!! in General Credit Topics

Pick 5, only 5!!

Anonymous — Tue, 13 Mar 2018 20:50:11 GMT

You ever wonder which 5 cards you would pick if given a choice? Only from cards you already have!

I would choose:

1. Lowe’s - I own a house, might need it
2. AMEX BCP - gas and groceries
3. Uber Visa - Restaurants and online
4. Delta Platinum - Annual companion
5. Venture - Highest credit line :-)

Re: Pick 5, only 5!!

Anonymous — Tue, 13 Mar 2018 21:16:25 GMT

Not sure i would need all 5 but..

1. disco- oldest card and highest personal limit cc $14k

2. WF cashwise- since it is tied as highest personal limit and rewards go to my mortgage principal

3. HD or lowes- yes might need it at anytime

4. pnc core- since it is my banker

5. toyota visa- use it at dealer for service etc

edit: I would like 1. spot to be my sears mc since they give me 10% statement credit ALL THE TIME!

but im sure it will end at some point with them going under.

any of those 5 would prob change at any day or the week, just depends on what mood im in hahaha

Re: Pick 5, only 5!!

Thomas_Thumb — Wed, 14 Mar 2018 00:23:31 GMT

That's pretty easy for me - I only have 5 cards

1. Discover card

2. AT&T Universal (Citi) Mastercard

3. Fidelity (Elan) signature Visa

4. AMEX green charge card

5. Best Buy store card

Re: Pick 5, only 5!!

Anonymous — Wed, 14 Mar 2018 01:35:03 GMT

I don’t have 5 cards yet but I want to play!

-AMEX BCE (no kids so me and my gf don’t buy enough groceries to utilize the preferred)

-Uber visa

-Discover cash back

-Double cash

-Best buy

Re: Pick 5, only 5!!

Peteyglad — Wed, 14 Mar 2018 16:43:23 GMT

5 huh?

Amex Platinum - I like the lounge access and typically fly Delta. MR points for flights are good as well

Amex EDP - Great MR earning potential, especially since I hit the 30 swipes per month

Amex Delta Platinum - card gets virtually no usage other than redeeming for the free flight each year. This year it save me $600 on a flight to Rapid City, SD.

Discover It - Simply it is my oldest tradeline and I occasionally use the rotating 5% categories

Chase Marriott - I stay at Marriott a decent amount so the annual free night and Marriott points is quite nice. Also feel I would need a Visa for when Amex and Discover is not accepted.

Re: Pick 5, only 5!!

Anonymous — Wed, 14 Mar 2018 17:38:43 GMT

@Anonymouswrote:
Not sure i would need all 5 but..

1. disco- oldest card and highest personal limit cc $14k
2. WF cashwise- since it is tied as highest personal limit and rewards go to my mortgage principal
3. HD or lowes- yes might need it at anytime
4. pnc core- since it is my banker
5. toyota visa- use it at dealer for service etc

edit: I would like 1. spot to be my sears mc since they give me 10% statement credit ALL THE TIME!
but im sure it will end at some point with them going under.

any of those 5 would prob change at any day or the week, just depends on what mood im in hahaha

LOL, we sure need those home improvement cards

Re: Pick 5, only 5!!

Anonymous — Wed, 14 Mar 2018 17:39:22 GMT

@Thomas_Thumbwrote:
That's pretty easy for me - I only have 5 cards
1. Discover card
2. AT&T Universal (Citi) Mastercard
3. Fidelity (Elan) signature Visa
4. AMEX green charge card
5. Best Buy store card

ok then, you win lol

Re: Pick 5, only 5!!

Anonymous — Wed, 14 Mar 2018 17:41:12 GMT

@Anonymouswrote:
I don’t have 5 cards yet but I want to play!

-AMEX BCE (no kids so me and my gf don’t buy enough groceries to utilize the preferred)
-Uber visa
-Discover cash back
-Double cash
-Best buy

good selection...you dont have kids yet...

Re: Pick 5, only 5!!

Anonymous — Wed, 14 Mar 2018 17:42:55 GMT

@Peteygladwrote:
5 huh?

Amex Platinum - I like the lounge access and typically fly Delta. MR points for flights are good as well
Amex EDP - Great MR earning potential, especially since I hit the 30 swipes per month
Amex Delta Platinum - card gets virtually no usage other than redeeming for the free flight each year. This year it save me $600 on a flight to Rapid City, SD.
Discover It - Simply it is my oldest tradeline and I occasionally use the rotating 5% categories
Chase Marriott - I stay at Marriott a decent amount so the annual free night and Marriott points is quite nice. Also feel I would need a Visa for when Amex and Discover is not accepted.

Umm, a true traveler! Nice! Yes, Delta Platinum for sure, saves lots of $$!

Re: Pick 5, only 5!!

Anonymous — Wed, 14 Mar 2018 18:15:57 GMT

I only have 5 . . easy!

PenFed Pathfinder Amex - 4x points travel

Discover - 5% rotating categories

PenFed Cash Rewards - 2% cash back on anything that isn't travel or a rotating Discover category

Navy Cash Rewards - supplemental cell phone insurance + 1.5% cash back on anything (sometimes use depending on when statements are cycling if I want maximum grace to pay for something) Also my lowest interest rate should I ever need to carry a balance and don't have a 0% offer.

Target - 5%

Re: Pick 5, only 5!!

Anonymous — Wed, 14 Mar 2018 18:16:55 GMT

@Anonymouswrote:
I only have 5 . . easy!

PenFed Pathfinder Amex - 4x points travel
Discover - 5% rotating categories
PenFed Cash Rewards - 2% cash back on anything that isn't travel or a rotating Discover category
Navy Cash Rewards - supplemental cell phone insurance + 1.5% cash back on anything (sometimes use depending on when statements are cycling if I want maximum grace to pay for something) Also my lowest interest rate should I ever need to carry a balance and don't have a 0% offer.
Target - 5%

Umm i like your plan. I actually tried to change my PenFed Amex to pathfinder and was a no..boo!

Re: Pick 5, only 5!!

Anonymous — Wed, 14 Mar 2018 18:26:44 GMT

@Anonymouswrote:

@Anonymouswrote:
I only have 5 . . easy!

PenFed Pathfinder Amex - 4x points travel
Discover - 5% rotating categories
PenFed Cash Rewards - 2% cash back on anything that isn't travel or a rotating Discover category
Navy Cash Rewards - supplemental cell phone insurance + 1.5% cash back on anything (sometimes use depending on when statements are cycling if I want maximum grace to pay for something) Also my lowest interest rate should I ever need to carry a balance and don't have a 0% offer.
Target - 5%
Umm i like your plan. I actually tried to change my PenFed Amex to pathfinder and was a no..boo!

I have to do some calculations and see if it might make sense to PC my Navy Cash Rewards to a GoRewards for the 3 points on restaurants and 2 points on gas. I could use a card that gives me something extra on these two categories . .though I would need to see if the point conversion beats 2% cash back on my PenFed card.

Re: Pick 5, only 5!!

Anonymous — Wed, 14 Mar 2018 18:38:21 GMT

@Anonymouswrote:
@Anonymouswrote:

@Anonymouswrote:
I only have 5 . . easy!

PenFed Pathfinder Amex - 4x points travel
Discover - 5% rotating categories
PenFed Cash Rewards - 2% cash back on anything that isn't travel or a rotating Discover category
Navy Cash Rewards - supplemental cell phone insurance + 1.5% cash back on anything (sometimes use depending on when statements are cycling if I want maximum grace to pay for something) Also my lowest interest rate should I ever need to carry a balance and don't have a 0% offer.
Target - 5%
Umm i like your plan. I actually tried to change my PenFed Amex to pathfinder and was a no..boo!
I have to do some calculations and see if it might make sense to PC my Navy Cash Rewards to a GoRewards for the 3 points on restaurants and 2 points on gas. I could use a card that gives me something extra on these two categories . .though I would need to see if the point conversion beats 2% cash back on my PenFed card.

Could be a good PC, BUT, what about the NavyFed More Rewards? 3 on supermarkets, 3 on gas, 2 on restaurants. But if you spend more on restaurants, then it makes sense.

Re: Pick 5, only 5!!

Anonymous — Wed, 14 Mar 2018 19:08:44 GMT

@Anonymouswrote:

@Anonymouswrote:
@Anonymouswrote:

@Anonymouswrote:
I only have 5 . . easy!

PenFed Pathfinder Amex - 4x points travel
Discover - 5% rotating categories
PenFed Cash Rewards - 2% cash back on anything that isn't travel or a rotating Discover category
Navy Cash Rewards - supplemental cell phone insurance + 1.5% cash back on anything (sometimes use depending on when statements are cycling if I want maximum grace to pay for something) Also my lowest interest rate should I ever need to carry a balance and don't have a 0% offer.
Target - 5%
Umm i like your plan. I actually tried to change my PenFed Amex to pathfinder and was a no..boo!
I have to do some calculations and see if it might make sense to PC my Navy Cash Rewards to a GoRewards for the 3 points on restaurants and 2 points on gas. I could use a card that gives me something extra on these two categories . .though I would need to see if the point conversion beats 2% cash back on my PenFed card.
Could be a good PC, BUT, what about the NavyFed More Rewards? 3 on supermarkets, 3 on gas, 2 on restaurants. But if you spend more on restaurants, then it makes sense.

My restaurant spend is my shame. Haha.

It's a bit of a necessary evil as I live in hotels near work 3 nights/week. My partner has the groceries covered on the weekends

Re: Pick 5, only 5!!

Anonymous — Wed, 14 Mar 2018 19:53:11 GMT

@Anonymouswrote:
@Anonymouswrote:

@Anonymouswrote:
@Anonymouswrote:

@Anonymouswrote:
I only have 5 . . easy!

PenFed Pathfinder Amex - 4x points travel
Discover - 5% rotating categories
PenFed Cash Rewards - 2% cash back on anything that isn't travel or a rotating Discover category
Navy Cash Rewards - supplemental cell phone insurance + 1.5% cash back on anything (sometimes use depending on when statements are cycling if I want maximum grace to pay for something) Also my lowest interest rate should I ever need to carry a balance and don't have a 0% offer.
Target - 5%
Umm i like your plan. I actually tried to change my PenFed Amex to pathfinder and was a no..boo!
I have to do some calculations and see if it might make sense to PC my Navy Cash Rewards to a GoRewards for the 3 points on restaurants and 2 points on gas. I could use a card that gives me something extra on these two categories . .though I would need to see if the point conversion beats 2% cash back on my PenFed card.
Could be a good PC, BUT, what about the NavyFed More Rewards? 3 on supermarkets, 3 on gas, 2 on restaurants. But if you spend more on restaurants, then it makes sense.
My restaurant spend is my shame. Haha.

It's a bit of a necessary evil as I live in hotels near work 3 nights/week. My partner has the groceries covered on the weekends

Ah! got it. In that case yes, it makes sense.

Re: Pick 5, only 5!!

Sneakytiki — Fri, 16 Mar 2018 00:25:27 GMT

AMEX BCE - 3% Groceries

USAA AMEX -5% Gas and Military Bases / AAFES

CITI COSTCO - 2% (4% w/ membership) Costco / 3% Restaurants

BARCLAYCARD - 2x Points on Utilities

DISCOVER - Rotating 5%

Should make some nice cashback this year on these.

Re: Pick 5, only 5!!

Anonymous — Fri, 16 Mar 2018 02:16:47 GMT

This is an easy game for us that don't have many.

AMEX ED

AMEX Delta

Citi DC

Disco It

Chase Amazon

Re: Pick 5, only 5!!

Anonymous — Fri, 16 Mar 2018 14:30:36 GMT

@Sneakytikiwrote:
AMEX BCE - 3% Groceries
USAA AMEX -5% Gas and Military Bases / AAFES
CITI COSTCO - 2% (4% w/ membership) Costco / 3% Restaurants
BARCLAYCARD - 2x Points on Utilities
DISCOVER - Rotating 5%

Should make some nice cashback this year on these.

What is your average a year now?

Re: Pick 5, only 5!!

Anonymous — Fri, 16 Mar 2018 14:32:52 GMT

@Anonymouswrote:
This is an easy game for us that don't have many.

AMEX ED
AMEX Delta
Citi DC
Disco It
Chase Amazon

I'm seeing a lot of "Disco it", i like it but hate the categories lol. I'm only able to use mine for 5% gas for Jan Feb March, then back to PenFed Visa or BCP.

Re: Pick 5, only 5!!

Sneakytiki — Fri, 16 Mar 2018 18:10:26 GMT

Don't forget Groceries and Amazon this year too for Discover It.

This is my first year going crazy with all of this but my goal is $1500+ with all cards. These five should get around $200 each +/- $20 or so with the costco one getting closer to $300. Kids are expensive and we might actually need another grocery card to keep up with maximizing benefits.

If I get one free mortgage payment a year, I'll be happy. I'm going to have to make some type of spreadsheet to track though, too many balances to run through my head and I'd rather set up alerts to save time.