@Sharingan wrote:
@Anonymous wrote:
@Gmood1 wrote:
I'd be more concerned about only carrying cards from the same lender.Well 2 of the cards I carry just happen to be from the same lender (citi)
Maybe I should swap the DC out with Fidelity Visa?
I, too, have both. Although I believe the Citi Double Cash is a better card with its very competitive benefits offering, Fidelity is still a decent option if the higher redemption threshold isn’t going to be an issue.
I mostly favor the Fidelity due to them giving me a much higher limit than the DC. I definitely agree with the DC having the better benefits though in addition to the lower redemption threshold. With Fidelity, It normally takes me 3 months to meet the 50$ redemption threshold which isnt exactly ideal. I also carry the Citi Premiere which I believe has the same benefits as the DC as well. Unfortunately, that card isnt ideal for non categorized spending.
Since you have the Fidelity Visa and DC, do u also have specific uses for both cards? I was considering using the Fidelity for monthly bills while reserving the DC for all other non categorize spending.
@Anonymous wrote:
@Sharingan wrote:
@Anonymous wrote:
@Gmood1 wrote:
I'd be more concerned about only carrying cards from the same lender.Well 2 of the cards I carry just happen to be from the same lender (citi)
Maybe I should swap the DC out with Fidelity Visa?
I, too, have both. Although I believe the Citi Double Cash is a better card with its very competitive benefits offering, Fidelity is still a decent option if the higher redemption threshold isn’t going to be an issue.
I mostly favor the Fidelity due to them giving me a much higher limit than the DC. I definitely agree with the DC having the better benefits though in addition to the lower redemption threshold. With Fidelity, It normally takes me 3 months to meet the 50$ redemption threshold which isnt exactly ideal. I also carry the Citi Premiere which I believe has the same benefits as the DC as well. Unfortunately, that card isnt ideal for non categorized spending.
Since you have the Fidelity Visa and DC, do u also have specific uses for both cards? I was considering using the Fidelity for monthly bills while reserving the DC for all other non categorize spending.
It’s the reverse for me. My Double Cash has a significantly higher limit than my Fidelity card. I usually use the Double Cash for large purchases that I would like to keep under warranty for as long as possible, as well as any non-category spending. Typically, I weigh the extended warranty and price rewind coverage against a category bonus from a different card for certain purchases.
Admittedly, my Fidelity card is mostly unusued nowadays, but I still like having it around. The flat 2% compared to the DC’s 1+1 reward structure is largely inconsequential for me.
@Sharingan wrote:
@Anonymous wrote:
@Sharingan wrote:
@Anonymous wrote:
@Gmood1 wrote:
I'd be more concerned about only carrying cards from the same lender.Well 2 of the cards I carry just happen to be from the same lender (citi)
Maybe I should swap the DC out with Fidelity Visa?
I, too, have both. Although I believe the Citi Double Cash is a better card with its very competitive benefits offering, Fidelity is still a decent option if the higher redemption threshold isn’t going to be an issue.
I mostly favor the Fidelity due to them giving me a much higher limit than the DC. I definitely agree with the DC having the better benefits though in addition to the lower redemption threshold. With Fidelity, It normally takes me 3 months to meet the 50$ redemption threshold which isnt exactly ideal. I also carry the Citi Premiere which I believe has the same benefits as the DC as well. Unfortunately, that card isnt ideal for non categorized spending.
Since you have the Fidelity Visa and DC, do u also have specific uses for both cards? I was considering using the Fidelity for monthly bills while reserving the DC for all other non categorize spending.
It’s the reverse for me. My Double Cash has a significantly higher limit than my Fidelity card. I usually use the Double Cash for large purchases that I would like to keep under warranty for as long as possible, as well as any non-category spending. Typically, I weigh the extended warranty and price rewind coverage against a category bonus from a different card for certain purchases.
Admittedly, my Fidelity card is mostly unusued nowadays, but I still like having it around. The flat 2% compared to the DC’s 1+1 reward structure is largely inconsequential for me.
Gotcha! that makes perfect sense. I think what i will likely do is just carry the DC and leave the Fidelity at home. the 50$ threshold is tough to swallow considering I would be using 2-3 cards on a daily basis. I do have apple pay but im still more comfortable with physically carrying my cards with me.
I will, however, probably carry a visa credit card in the hidden card slot in wallet as backup. This card will likely be either the Chase Amazon or Cap 1 Venture.
I ran into a parking thing in Phoenix that only took Discover.
Personally, I carry multiple different cards. There's been a few times where I haven't been able to use a specific card; Discover at Costco, Amex at many restaurants, few others that come to mind.
