Experience category help

[Anonymous]

Looking for some advice on which credit cards are best for groceries and gas. I would rather not apply for any new credit as I don't need more just want to start maximizing my rewards.

 My spending habits are.

 Groceries, Gas, Streaming, Vudu, Google purchases and iTunes as well. 

I have the following cards.

Target MasterCard $5,000 CL

OLD Navy Visa $4,400 CL

Best Buy Visa $10,000 CL

Sams Club Plus Member MasterCard $10,000 CL

Capital One Venture $5,900 CL ($95 fee)

Chase Freedom Visa $8,500 CL 5% Rotate

Discover IT 5% Rotate $8,800 CL

Paypal Credit $5,900 CL

Blispay $4,800 (Dead card)

[unsungivy]

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@Anonymous wrote:

Looking for some advice on which credit cards are best for groceries and gas. I would rather not apply for any new credit as I don't need more just want to start maximizing my rewards.

 My spending habits are.

 Groceries, Gas, Streaming, Vudu, Google purchases and iTunes as well. 

I have the following cards.

Target MasterCard $5,000 CL

OLD Navy Visa $4,400 CL

Best Buy Visa $10,000 CL

Sams Club Plus Member MasterCard $10,000 CL

Capital One Venture $5,900 CL ($95 fee)

Chase Freedom Visa $8,500 CL 5% Rotate

Discover IT 5% Rotate $8,800 CL

Paypal Credit $5,900 CL

Blispay $4,800 (Dead card)

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Your Sam's Club Plus Mastercard will give you 5% Cashback for gas (for the first 6k spent).

You have two rotators that have 5% Cashback on groceries at different times of the year, your Freedom and your Discover. Track when for each and use those when they're 5%.

If you do any grocery shopping at Sam's club, that card will get you 3% cashback there the 6 months that are not covered by your two rotators.

For your streaming purchases, anything you can pre-pay a year for when that's an active category on your rotators.

[SUPERSQUID]

Most people dont consider target a grocery store but my target has an impressive grocery section with competitive prices, 5 percent off if you pay with red card. if you are a vet, on veterans day they will add on another 10 percent off totalling 15 percent off if you show your vic or dd214

[Loquat]

From the list you've presented I would say your best play would be a combination of your Freedom, Discover for the rotating categories, and Sam's Club for fuel. Your Venture could be a catch-all card but the others in your list doesn't really offer any value that exceeds the cards I just mentioned.

[Anonymous]

I'm itching to apply for my first Amex card but since I'm in the process of qualifying for a mortgage loan I don't want to apply just yet. I will take the advice and use what I have and wait for my first Amex. Thanks 

[Anonymous]

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@Anonymous wrote:

I'm itching to apply for my first Amex card but since I'm in the process of qualifying for a mortgage loan I don't want to apply just yet. I will take the advice and use what I have and wait for my first Amex. Thanks 

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Excellent plan. Once you have keys in hand and go for Amex, your spending pattern screams for the BCP as it basically hits all of those categories.