Lowes...why? Because it means I'm usually getting something I really want! 
and not just paying for routine items or monthly bills. But for recurring monthly bills it CSP...daily spending gets split between CapOne QS and PenFed Plat Rewards.
My current #1 favorite card is my PACU MC, b/c of the 7.50% F APR plus 1.5x rewards points / $1 spent.
Other faves: BoA Cash Rewards WMC (9.99% F plus 3-2-1 rewards), Unify FCU VISA (also 9.99% F), and FNBO Amex (6.50% V plus 1.5% cashback / $1 spent)
@Anonymous wrote:I'd say Discover at this point since I'm in my first year with them. They started me at a decent limit, give me ~$4k CLIs every month and I just the double back especially with the rotating categories. I'm sure when Year 1 is over some of my Discover spend will move to other cards, but I'm enjoying riding the Discover wave right now.
Off topic here, but could someone explain the Citi DC price rewind thing? I get how it generally works, they find a better price on something and you get credit for it I assume but does anyone have more details? Do they search for better prices on anything you buy, or is it certain items (like high ticket items) only? Do you have to do anything on your end? How can they refund the difference and not lose a ton of money? For example, I can find a TV for $500 online and with some searching find the same exact TV for $1000 from some over priced vendor. If I intentionally buy it from that over priced vendor with a DC card, am I really to believe that they'll just credit the $500 difference to me as if I purchased it from the lower priced spot? How can they do this and make money? Thanks for the insight on Price Rewind for whoever takes the time to respond.
Sure. They don't search for better prices on any purchase; the feature has its own online portal. You have to submit the purchase for review (search the item in their database, indicate how much you paid for it, and where you bought it). Then, you upload the receipt (optional but they may request it, so I always do it anyway). For that item, if they find a lower price within 60 days, they refund the difference. There are limits to it, of course (up to $500 per item, up to $2500 total per year).
In your example, I suppose you could do that intentionally. But, why would you? Buying the item $500 cheaper is exactly the same as getting refunded the difference, only it occurs later.
