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Current Lineup:
Capital One QS: $4,750 limit
Amex BCP: $20k limit
Discover IT: $7,500 limit
Penfed Cash Rewards: $11,000 limit
Chase Freedom: $10,000 limit
Chase Sapphire: $5,000 limit
Chase Slate: $13,000 limit
I seem to have the 5% rotating catagory cards covered (not sure if Cash+ would benefit me too much, especially if it gets nerfed), as well as 5% on gas from Penfed, and 6% on groceries with the Amex BCP. The Chase Sapphire has been demoted to restaurants only, as I could not justify paying the AF for the CSP.
I have thought about the Citi DC, but that only gets me .5% more than my Cap1 QS, and it has a foreign transaction fee with no signup bonus. I'm also concerned it will eventually get nerfed to a 1.5% card...
I've thought about a travel/airline/hotel credit card as I travel frequently, but I don't hold any loyalties to any specific hotel chains.
Any cards you guys think I should look into to round out my reward offerings and to maximize rewards on large purchases? Or should I head over and join the garden?
I'll be doing a close-and-roll with my Chase Slate card in a couple of months.
My current Discover TU Fico is 756. I previously had a Discover TU Fico of 768.
2 inquirys on my reports from the Penfed and Slate card.
Thanks!
inb4 Sallie Mae
But no, really. Sallie Mae.
@Anonymous wrote:inb4 Sallie Mae
But no, really. Sallie Mae.
2 Sallie Mae's.
/thread.
@Anonymous wrote:inb4 Sallie Mae
But no, really. Sallie Mae.
Why?
I do spend a good amount of money on amazon using my Prime account... that's the only advantage I can see to adding the Sallie Mae unless I go over my $6000 cap on grocery spending with Amex BCP.
Thanks for the replies!
@PNW_Hunter wrote:I do spend A LOT of money on my amazon prime account...
OK, then the Sallie Mae makes sense, but the groceries and gas you have covered.
If you travel a lot, and want to do some more travel, you might want to look at the flexible point cards such as Amex MR/SPG, or Chase UR if they have partners you can use.
@longtimelurker wrote:
@PNW_Hunter wrote:I do spend A LOT of money on my amazon prime account...
OK, then the Sallie Mae makes sense, but the groceries and gas you have covered.
If you travel a lot, and want to do some more travel, you might want to look at the flexible point cards such as Amex MR/SPG, or Chase UR if they have partners you can use.
Does the Sallie Mae make any distinction between 3rd party vendors or sold/fulfilled by amazon?
@longtimelurker wrote:
@PNW_Hunter wrote:I do spend A LOT of money on my amazon prime account...
OK, then the Sallie Mae makes sense, but the groceries and gas you have covered.
If you travel a lot, and want to do some more travel, you might want to look at the flexible point cards such as Amex MR/SPG, or Chase UR if they have partners you can use.
Chase Ink+
@longtimelurker wrote:
@Anonymous wrote:inb4 Sallie Mae
But no, really. Sallie Mae.
Why?
Amazon offers everything. Lol.
EDIT: Yes, Barclays does distinguish between those fulfilled by Amazon and those fulfilled by 3rd party vendors. Also, $6000 a year on groceries, while a decent amount, is still pretty easy to surpass when you consider it's only $500 a month on average. Sallie Mae would effectively give you a 50% boost on the amount of groceries you can get 5% on, plus Sallie Mae works at many Walmarts and Targets, while Amex BCP does not.