Warehouse Clubs (aka Costco and BJ's sometimes only take ONE network of card because they negotiate a preferrred interchange rate for exclusivity)...
I.E Costco only takes Visa not MC, at one point BJ's only took Discover .....
@Anonymous wrote:@heyryan wrote:
Here's what I've got for diversity: I don't care as much about the network the card uses, but it's nice to have one of each for various offers that come up. (E.g. IHG has had a couple of Mastercard-specific promotions for earning points)
Legend: P=Personal card, B=Business card, Sig=Signature Visa, World=World MasterCard, WEMC=World Elite MC)
| Visa | MC | Amex | Discover | JCB | UnionPay | |
| Upcoming: | ||||||
| CapOne Venture | Going to app for WEMC through affiliate link (P) | |||||
| Delta Gold/Plat | (B) | |||||
| Safe CU | Accept Pre-approval for Cash Rewards card (P - Sig) | |||||
| Marukai/JCB | Marukai Premium JCB Card (3% CB) (P) |
Why do you want the Venture WEMC? aside from the $400 bonus, you are using 3 inquiries and you would basically need to spend over 12k a year for the card to really be sustainable after year one. Why not the double cash? Or quicksilver wemc at least?
I should have said Upcoming...Maybe 
I'm still on the fence on a few.
For the Venture: Primarily for the bonus. Also might try a two-fer and get the QS as well, then after the bonuses/6 months, merge the CL into just the QS.
I'd thought about the Double Cash, but there are a couple of Thank You points cards I'm considering if they offer a good bonus since they have the best transfer rate to a couple of airlines I want to fly.
So many cards, so little time 
(I have another good reason for folks to carry Amex esp abroad .. even with its limited acceptance..... AMEX does not allow DCC....
Another sort of questionable "service" that both MC/VISA allow... and in some places they do not oblige the regulations for requiring to "choose DCC"
(cough China)
https://en.wikipedia.org/wiki/Dynamic_currency_conversion
BUT.. the do have a Forex Fee / FTF .....
@Anonymous wrote:
@iheartwings wrote:I have too many, but I have a use for them all at one time or the other during the year. :\
Visa: 6 (QS, Freedom, Marriott Rewards, Costco, BoA Cash Rewards, Williams-Sonoma)
Mastercard: 3 (QS, REI, DC)
AmEx: 3 (Plat, Delta SM Plat, BCP)
Discover: 1 (it)
holy limits batman! that is the highest DC and disco limit I have seen lately! what are your APRs on all those if you dont mind my asking?
I feel a little embarrassed because I have no clue what my APRs are, so I had to look them up. I haven't carried a balance in years. 
My Disco limit grew from $6000 in 4/15 to its current limit in 08/16. 20.94% rate (down from 22.94%).
DC was originally $9.5k. I took the HP for a CLI (never got SP language) and asked for $30k. I'm apparently still in the 0% APR range, but will go up to the 19.24% in January.
My lowest rates are on my Chase Freedom (14.49%) and C1 QSV (currently at 0% for however many months then 13.24%).
@iheartwings wrote:
@Anonymous wrote:
@iheartwings wrote:I have too many, but I have a use for them all at one time or the other during the year. :\
Visa: 6 (QS, Freedom, Marriott Rewards, Costco, BoA Cash Rewards, Williams-Sonoma)
Mastercard: 3 (QS, REI, DC)
AmEx: 3 (Plat, Delta SM Plat, BCP)
Discover: 1 (it)
holy limits batman! that is the highest DC and disco limit I have seen lately! what are your APRs on all those if you dont mind my asking?
I feel a little embarrassed because I have no clue what my APRs are, so I had to look them up. I haven't carried a balance in years.
My Disco limit grew from $6000 in 4/15 to its current limit in 08/16. 20.94% rate (down from 22.94%).
DC was originally $9.5k. I took the HP for a CLI (never got SP language) and asked for $30k. I'm apparently still in the 0% APR range, but will go up to the 19.24% in January.
My lowest rates are on my Chase Freedom (14.49%) and C1 QSV (currently at 0% for however many months then 13.24%).
Whoa, that's a ridiculous bump for an HP CLI. I should be getting my DC in the mail today. I've always been opposed to wasting HPs for CLIs but I might make an exception for Citi. Probably not right away, but I feel like I've got to roll the dice on it.