@Creditaddict wrote:
@Creditaddict wrote:
@Anonymous wrote:i feel like i may be missing out. Looking at my portfolio there are some great cards i still not added. I would like to pick 2 which you think should be ? I see a lot people with discover IT also have Chase Freedom in their portfolio. A commmon routine.
Citi Double Cash 2% everything (1)
American Express Everday
US Bank Cash+ 5% restaurant, 5% fast food, 800-872-2657
Chase Freedom 5% rotating categories (2)
Chase Shappire 2x dinning and travel
Sam’s Club MasterCard 5% gas, 3% dinning, (3)
Salie Mae 5% gas, 5% groceries
those 2
actually I would prefer Citi Double Cash and Fidleity Amex so you can always be earning 2% min. on all purchases! then you rotate if you have those cards or spend in those types of categories.
i had Amex offer in the mail the other day from First National Bank of Omaha American Express. It's too bad they didn't offer me 2%. i heard they do for some. Thats why i didn't take it. Maybe they mail me a better offer. It says im pre-approved. No annual fee, but only 1% on everything. For Fidelty i would need to open an account with them
- Brokerage account
- Fidelity-managed 529 account
- Retirement account
of all the cards i have i wonder when im going to ever get my first Visa Signature card ? I was going to try convert my 2 year old Bank America Cash Rewards to a Signature card but they said i would have to apply for it or ask for credit limit increase from $500 to $5,000. I said no thanks, didn't want to waste another hard inquiry for a card i already had so i asked them to change it to Better Balance Rewards. and lost 3% gas 
but i figured i only earned $60 this year using Bank America Cash Rewards on gas when i could be getting $120 a year using the Bank America Better Balance Rewards. I didn't want to waste a hard inquiry on a card i already had. I use it applying for a card i don't have like the ones i listed. Shame i had Bank America Cash Rewards 2 years into building credit history they won't even bother to increase it or upgrade it to Signature visa. it's my lowest cardbut dont want to cancel it because it's one the first cards i had. I called them to remove annual fee which they did and made me changed my mind about canceling it. Especially since its a better balace rewards now. I be able to get $120 a year just by having it.
You should never ask for a general consensus when trying to pick a card.
Get a card that suits YOUR spending habits best.
For instance, I spend a lot on dining out, so the CSP is excellent for me.
The goal should be to maximize rewards. 
@Anonymous wrote:You should never ask for a general consensus when trying to pick a card.
Get a card that suits YOUR spending habits best.
For instance, I spend a lot on dining out, so the CSP is excellent for me.
The goal should be to maximize rewards.
i thought chase sapphire preferred only gives 2% dinning ? that really much ?
@Anonymous wrote:
@Anonymous wrote:You should never ask for a general consensus when trying to pick a card.
Get a card that suits YOUR spending habits best.
For instance, I spend a lot on dining out, so the CSP is excellent for me.
The goal should be to maximize rewards.
i thought chase sapphire preferred only gives 2% dinning ? that really much ?
It's 2 UR, so if used correctly, that is a lot more than 2%
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:You should never ask for a general consensus when trying to pick a card.
Get a card that suits YOUR spending habits best.
For instance, I spend a lot on dining out, so the CSP is excellent for me.
The goal should be to maximize rewards.
i thought chase sapphire preferred only gives 2% dinning ? that really much ?
It's 2 UR, so if used correctly, that is a lot more than 2%
i see you have Citi Double Cash ... how much line of credit they originally gave you ?