Card Line Up 2019

[MakingProgress]

I'm starting to review my card line up for next year and am looking for some suggestions.  I will be 5/24 until July of 19 so won't really be able to look at a Chase card.  I am thinking I need better rewards for gas, dining, and  walmart (instore) as that is where the bulk of grocery shopping is done.   Another roataing catagory card might be good as long it's catagories have a different schedule than Discover.

I am going with a cash back strategey and currently have  

Citi Double Cash   - Daily Driver

Discover It -  5% Catagories

Chase Amazon Prime - using for Resturants and Amazon

Amex BCE - Using for Groceries and gas. 

Cap 1 QS - Kids are AU so they use it. 

[staticvoidmain]

Costco Anywhere Visa Card. I know you said Walmart, but this earns 4% gas (higher than BCE), 3% dining (higher than Amazon), and Costco is a bulk shopping store.

[Anonymous]

I'm going with a CB strategy myself going forward. Chase is off limits due to being IIB, Citi is problematic for the same reason and I have to wait on Amex until late next year due to - you guessed it! That being said, I'm getting CB cards where I can, so as of today I have:

Cap One QS (Visa Signature)

Discover IT (I have two but am planning to combine next spring)

Penfed Power Cash Rewards

Sync PayPal Cashback MC

and I just added Navy cashRewards yesterday.

The last-named card was actually my big goal card for 2019 even though it has a low SL at the outset, so I'm now planning to focus on growing these CB cards along with my Amazon and Walmart store cards (which I just BT'ed to my plain-vanilla Apple FCU Visa, so hopefully paying them off will help coax CLI's for them out of Sync). Care Credit is at $15K so it's pretty much where I want it to be at this point, and I'm hoping to close Overstock once my Navy card gets a big enough CL to take over for it.

[Anonymous]

If you can get USAA membership, they have a 5% Cash Back on Gas American Express with no AF. The new Savor is 4% Cash Back on Dining and Entertainment and the $95 AF is waived the first year. The Savor SUB is also $500, so that would pay for an additional 5 years of your AF and still leave you $25. Not a bad deal.

[MakingProgress]

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@staticvoidmain wrote:

Costco Anywhere Visa Card. I know you said Walmart, but this earns 4% gas (higher than BCE), 3% dining (higher than Amazon), and Costco is a bulk shopping store.

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No Costco close to me.   I'm not driving an hour to buy 1 million rolls of TP. 

[Anonymous]

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@MakingProgress wrote:

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@staticvoidmain wrote:

Costco Anywhere Visa Card. I know you said Walmart, but this earns 4% gas (higher than BCE), 3% dining (higher than Amazon), and Costco is a bulk shopping store.

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No Costco close to me.   I'm not driving an hour to buy 1 million rolls of TP. 

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If there's one thing that annoys me about Costco, it's that there's no "10 items or less" checkout lane, and since I never buy more than two or three things at a time, I'm always stuck behind people with their carts laden down. BJ's has it over Costco in this regard, I must say; they have both express lanes and self-checkout lanes.

[MakingProgress]

I thought about the Savor but I don't eat out that much.  I would have to spend almost $2400 befor I show a profit after the first year,  so honestly I would probably net just as much at 2% on a no AF card.

I really pretty cheap so don't spend what I don't have to spend so eating out, travel, and entertainment don't get many $.   Since most of our groceries are purchased at WM they they don't count as grocery spend, and my $ in that catagory problely won't stand an AF.

Given those reasons I am thinking cards with different  catagrory bonus might be best to maxmize rewards for me 

[Anonymous]

OP—Since you’re not currently able to get the Chase Freedom (great card when you’re ready), perhaps the US Bank Cash+ with the selectable 5% categories would be an option for you. I don’t have any US Bank products, and the comments I’ve seen on here vary as to US Bank and the Cash+ Card. It is on my radar as an option down the road and you may find it useful given your stated spend. Just a thought.

[Anonymous]

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@MakingProgress wrote:

I thought about the Savor but I don't eat out that much.  I would have to spend almost $2400 befor I show a profit after the first year,  so honestly I would probably net just as much at 2% on a no AF card.

I really pretty cheap so don't spend what I don't have to spend so eating out, travel, and entertainment don't get many $.   Since most of our groceries are purchased at WM they they don't count as grocery spend, and my $ in that catagory problely won't stand an AF.

Given those reasons I am thinking cards with different  catagrory bonus might be best to maxmize rewards for me 

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I agree about the Savor - I only eat out a couple times a week myself, and usually at inexpensive places, so a specialized restaurant card wouldn't do me that much good. As far as that goes, I've been using my (newer) Discover IT (my older one is SD'ed pending combination next spring) to pay for my weekend eating-out expenses during July-September. With that and the previous quarter's grocery 5% CB, I'm on track to get at least $100 CB next spring when the double CB period wraps up even if I don't buy anything else from now until then.

EDIT: And having dismissed the Savor, I decided to have a look at Cap One's pre-qualification site to see what they wanted to give me today, and lo and behold! I'm pre-qualified not just for the Savor, but for their new Savor One, as well as Quicksilver and Venture! Too bad the APR's are higher than I like (24.74% - 25.24%), particularly because my QS Visa is 19.74% and my new NFCU cashRewards is 16.74%, or I'd be doing some hard thinking about getting a Savor One or even a second QS. Also, the Savor's 2% on groceries excludes Walmart, and I do do a lot of grocery shopping there though not exclusively. Um. I could always start going to Food Lion, Giant or Shoppers again...

[morgacj2004]

I was going to also recommend the Costco card. I boycott Walmart (due to their employment practices) and utilize Costco a lot. CO Savor card is good for eating out even if so only occasionally. Get the AF card (waived first year) and then downgrade to no AF card after first year.