I have 2 big holes to fill in my cashback lineup and I'm a little torn on what to do about it.
1.) Barclay Uber trashed my (4% Dining / 3% Travel) no FTF card with Uber credits. Need a solid replacement.
2.) I still haven't found a solid Wal-Mart spender. (Do NOT want that pathetic CapitalOne Walmart card)
Current:
Citi DC - (2% daily non-category)
BoA Cash Rewards - (3% All Online Shopping)
FNBO Ducks Unlimited - (5% Gas + 5% Sporting Goods)
Discover IT - (5% Category)
US Bank Cash + (5% Utilities + 5% Internet/Cable)
Planned:
US Bank Cash + (#2) - (5% Cell Phone + 5% Fast Food)
ABoC Union Strong - (5% Category, converts at 3.75%)
So, I'm a Costco member and the first thought for the Dining/Travel is the Citi Costco Visa (3%). No FTF so it spends well out of the states, as a good travel/dining card should do. However, with this you are permanently bound to Costco. Really want a better option.
UMB Simply Rewards is really nice, but I'm not in any of their affinity geo-areas. (3%) on Dining, Grocery, Discount stores,......this would effectively cover Walmart regardless if they code as grocery or discount store, and covers Dining as well. (All without having to rotate categories, etc.) This would be pretty nice, but.....ah well.
Huntington Voice covers Dining OR Travel OR Walmart (discount stores), but you have to choose only one. Covers all my needed categories but ultimately a single-purpose card, one category at a time.
So, I thought about getting every 5% category rotater on the market to cover all Dining,Travel, Grocery, and Discount Stores per quarter. I'm a HUGE fan of 5% cards that cover multiple categories......but....
Vantage West Connect is geo-restricted (I'm SC)
Nusenda FCU is somewhat geo-restricted, but too many hoops to jump thru to try to bypass that hurdle.
Chase Freedom is ......meh. Categories seem to be weaker than other rotaters. Was on my wish list for a while but now I'm kinda turned off by it.
The ABoC will be a nice rotater at (3.75%) to pair with the Discover but I will likely still have a lot of gaps in those category quarters without more 5% rotating fire-power.
Any suggestions? Should I just hold out for the next Citi Dividend that rolls out? Lol.
On Deck: No Plans Currently
I don't know, that Walmart MC is tough to beat on grocery pick up and online purchases.
If you do a lot of monthly spending with them. IMHO, that card is the best bet.
I even use it (Walmart pay) when getting my oil changed and tires rotated/ balanced. It's all 5% cash back currently.
If you do a lot of monthly spending with them. IMHO, that card is the best bet.
I even use it (Walmart pay) when getting my oil changed and tires rotated/ balanced. It's all 5% cash back currently.
Well I'm an odd cat. I do most of my Walmart spend in-store and I don't want someone else picking out my stuff so I don't use the grocery pick-up. I rarely (if ever) buy on Walmart.com so I don't get the 5% perks. So in-store the best it gets you is 2% and I have a 2% card for all that.
That's why I like cards that cover multiple categories. I don't want a single purpose card just for Walmart alone.
Cap SavorOne was actually on my list for a while too, but entertainment isn't a big category for me. So that would make it a single purpose card for me too. Dining/Travel just play well together. I think maybe I'm just too picky. I like dual/multiple purpose cards if they're going to take a spot in my wallet.
@wasCB14
That's why I need multi-purpose cards. It has to be worth the while to jump over the 2% daily spender.
Reading back, I feel like I'm shooting down everyone's suggestions and I really don't mean to come off that way. It just seems like I've exhausted every avenue and I'm frustrated. Sorry if it comes off that way, I really am.
I have 5% roatater envy I think. Some of these guys on the West coast have all the good rotaters and I'm stuck in SC kicking rocks....lol.
Nusenda FCU, Vantage West, Discover, Chase Freedom, ABoC......that would be a solid mix. And there's probably a couple more I haven't come across.
BBVA Clearpoints is a good card with an unlimited 3% category and an unlimited 2% category that can be changed quarterly. The categories and very broad and the cashback posts as soon as the charge posts. The points redeem 1:1, but it is limited to statement credit. The have lots of special offers through the year as well. For January, they offered 4X bonus points on dining, and I had dining set as the 2% category, so we got 6% on dining for the whole month of January. Between utilities and dining, we earned $49.00 in cash back for January
