OP,
What state do you live in?
Since some cards are geographically limited (credit union, etc), your location might trigger some good suggestions from the members here.
@staticvoidmain wrote:
@Anonymous wrote:PayPal MC I like and might be switching to it from PCR, 3% used in conjunction with PP 1% debit card.
@shoegal wrote:For the 2% cards, I really like my PayPal Mastercard and it grew quickly.
@xaximus wrote:The other cards - I would keep since you are using them. Also look into the Paypal 2% CB card, good alternative to Citi DC.
I will recommend this as well. This is a very good general spend card, especially if you do not like Citi (plus, this is more straightforward redemption — IMHO — and no FTF compared to Citi DC). There is also the possible 3% total combo with the PayPal Debit card.
Groceries is a bit tricky though. For instance, Amex Blue Cash cards are a bit finicky when it comes to defining 'groceries'. The usual places for buying cheaper groceries are off limits (superstores like Target/Walmart, also wholesale clubs) — I would not want to go to a more expensive place to shop for groceries just so I would get the cashback.. it doesn't make sense to me if my goal is saving money (just my 2 ¢). I believe you'd be better off with a store-specific card where you shop often. For instance, I use Amazon Prime card for Amazon purchases, and Costco for Costco/gas purchases.
For dining, I believe the Uber card looks the best when it comes to cash back. Savor would have been great if not for the AF. Also, it seems like Uber covers more when it comes to general dining.
Based on everyone's recommendation, I went ahead and got the PayPal MC. I'll have to go read the debit card thread now.
@Anonymous wrote:
That was quick, Mazda3 quick. Congrats.
Why waste time when I could be earning more money? Now I just have to get the debit card. Should I wait until my card comes in?
@OmarR wrote:OP,
What state do you live in?
Since some cards are geographically limited (credit union, etc), your location might trigger some good suggestions from the members here.
I live in California
@xaximus wrote: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.
I spend less than $80 a month normally. $120 if I'm zoom zooming around. Don't think I need a designated gas card, more like a card that has good gas rewards in addition to others.
@AverageJoesCredit wrote:
For BT's though you might find better rates etc, getting a card from Boa is a good investment. The ease to do bt to your own checking is a great feature. Ususlly lots of continuous offers as well.
otherswhich card though? Does the cash rewards get good and frequent offers? Seeing as how I'm planning to get it anyways.
@Brian_Earl_Spilner wrote:
@Anonymous wrote:
That was quick, Mazda3 quick. Congrats.Why waste time when I could be earning more money? Now I just have to get the debit card. Should I wait until my card comes in?
I don't know, haven't read that long thread either, please post back what you find so I don't have to read it when I decide to switch.
@shoegal wrote:For the 2% cards, I really like my PayPal Mastercard and it grew quickly.
My DH has the PenFed 2% power cash
but he doesn’t like the $25 redemption.
Marvel MasterCard could be a good dining/entertainment card for you.
Other than the dining, I don't know if the Marvel would work for me. But I really like that spidey card. Too bad they don't have Venom.