Help me plan my next app o rama!

FutureBillionaire · ‎11-21-2013

I think I'm cancelling the PRG in January. I am probably keeping every other card that I have. Here are the cards I'm considering:

Fidelity Amex
BarclayCard Arrival

The Wells Fargo 5x offer is on my radar, but not until 2nd quarter. Should I include that card in the app o rama?

Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward,
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

longtimelurker · ‎11-21-2013

When does your 5x TYP expire? Not much point in getting the WF before that goes.

FutureBillionaire · ‎11-22-2013

@longtimelurker wrote:
When does your 5x TYP expire? Not much point in getting the WF before that goes.

It's up in May. I guess I will do a new App o rama then. I'll focus on the fidelity Amex and an Amex revolver. Can we have a BCE and a BCP?

Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward,
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

Themanwhocan · ‎11-22-2013

@FutureBillionaire wrote:
@longtimelurker wrote:
When does your 5x TYP expire? Not much point in getting the WF before that goes.
It's up in May. I guess I will do a new App o rama then. I'll focus on the fidelity Amex and an Amex revolver. Can we have a BCE and a BCP?

Why would you want both a BCE and BCP?

TU-8: 804 EX-8: 805 EQ-8: 788 EX-98: 767 EQ-04: 752
TU-9 Bankcard: 837 EQ-9: 823 EX-9 Bankcard: 837
Total $443,800

longtimelurker · ‎11-22-2013

@Themanwhocan wrote:
@FutureBillionaire wrote:
@longtimelurker wrote:
When does your 5x TYP expire? Not much point in getting the WF before that goes.
It's up in May. I guess I will do a new App o rama then. I'll focus on the fidelity Amex and an Amex revolver. Can we have a BCE and a BCP?
Why would you want both a BCE and BCP?

Presumably FB believes that you cannot get two BCP, so adding a BCE gives 3% on an extra $6k

longtimelurker · ‎11-22-2013

@FutureBillionaire wrote:
@longtimelurker wrote:
When does your 5x TYP expire? Not much point in getting the WF before that goes.
It's up in May. I guess I will do a new App o rama then. I'll focus on the fidelity Amex and an Amex revolver. Can we have a BCE and a BCP?

The Amex revolver should be simple, as it will be a SP for denial anyway, so no big deal. Can't imagine Fidelity would be a problem either.

I don't think you use your TYP aggressively (although you said you were ramping up), but there are 3 cards I know of that can replace it: Wells Fargo( in three flavors, not sure if you can have more than one), TD Bank North, and Citizen (only 90 days). I will be exploring options when my TYP goes at the end of March