@Anonymous wrote:
@Brian_Earl_Spilner wrote:3. What other ones are out there?
4. What if I only plan to spend $3,166.666666?
3. Shoegal already mentioned 2, there is also Aliant Signature, 3% no AF for the first year, 2.5% but with $59 AF after, you will need to calculate if you have enough general spending to break even but that 3% 1st year is pretty sweet. I have the PCR, redemption is actually $5 with $5 increment, you do have to maintain their checking account to get 2% (otherwise 1.5%), you will need to DD $500 or daily average $500 balance to avoid the $10 monthly fee, you can also get 2% without checking account if in military. PayPal MC I like and might be switching to it from PCR, 3% used in conjunction with PP 1% debit card.
4. BCE obviously.
Very true! I’m not an AU on that card so I took the DH at his word. Lol never doing that again. 😂
Trust and verify 
@Anonymous wrote:
@Brian_Earl_Spilner wrote:3. What other ones are out there?
4. What if I only plan to spend $3,166.666666?
3. Shoegal already mentioned 2, there is also Aliant Signature, 3% no AF for the first year, 2.5% but with $59 AF after, you will need to calculate if you have enough general spending to break even but that 3% 1st year is pretty sweet. I have the PCR, redemption is actually $5 with $5 increment, you do have to maintain their checking account to get 2% (otherwise 1.5%), you will need to DD $500 or daily average $500 balance to avoid the $10 monthly fee, you can also get 2% without checking account if in military. PayPal MC I like and might be switching to it from PCR, 3% used in conjunction with PP 1% debit card.
4. BCE obviously.
I have a penfed locally, but ive heard that your reports have to be pretty squeaky clean to get approved for their cards which wouldn't be the case for me for a few more years.
Making the $59 af at 2.5% is easy on just my storage and cable bill. I'll check them out, but I just noticed the signature part so it may be a while before I can get that also.
@Anonymous wrote:
@Anonymous
4. If you plan to spend more than $3,166.66666667 on grocery, get BCP, otherwise BCE.
Since the OP has the Discover IT card, which gives 5% on groceries for one quarter, the cutoff point between BCP and BCE is $3800 a year.
Shouldn't be an issue as I can use the quarter to buy gift cards.
Depending on how much Gas you use - I'd recommend adding the NRA/Ducks Unlimited card - 5% on any gas.
Example - I'm spending around 200-300 on gas per month, average out to 2400-3600 a year. My CB will be 120-180 for the year. For me, that's worth it.
As far as your list - Blue Cash ED is good, don't need Savor as the Uber card is better. If you don't travel alot, I wouldn't get the Chase SW card, probably look into the CSP if anything.
Cap1 cards - Combine and throw a small charge on it every month.
Disco - good card based on quarterly categories, grows quickly (definitely a keeper)
The other cards - I would keep since you are using them. Also look into the Paypal 2% CB card, good alternative to Citi DC. PRG is good for travel so I'd stick with that. US Bank Cash - throw your utilities/phone bill on it and get 5% CB, great card for that.
State Department FCU has a 2% card. Chip+PIN available if that is of interest. No FTF, no AF. It might require going through their secured card first, to build a relationship but the end result is a good card.
Same with US Bank. If you start now letting them know you, that pays off later.
Same with US Bank. If you start now letting them know you, that pays off later.
@NRB525 wrote:
State Department FCU has a 2% card. Chip+PIN available if that is of interest. No FTF, no AF. It might require going through their secured card first, to build a relationship but the end result is a good card.
Same with US Bank. If you start now letting them know you, that pays off later.
I wonder If there are any data points about someone with less than stellar credit getting a better card after going the secured route. Also, does anyone know if they will offer a secured card on denial?
