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Help setting my next credit card goal

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Anonymous
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Help setting my next credit card goal

I'm a transactor, and always PIF, so have focused on cash back rewards. I don't particularly care about interest rates or 0% APR periods, and I never really saw the point in saving up points and tranferring them to partners for stuff I would otherwise very likely go without. I now have a very "good" problem: I'm running out of cashback cards to get.

I have Discover It and Chase Freedom for 5% categories (10% on discover for the next few months of the double cashback promo). And I have AAA Rewards for 3% on travel, and AARP for 3% on Restaurants. Sallie Mae gives me 5% on gas and Amazon year roud. After months of trying I finally got a Citi DoubleCash for 2% on everything else (that was my last goal, which I'd almost given up on). Now I can't decide what to hunt for next... does anybody have a suggestion? What cards can I apply for to make sure I squeeze every last tenth of a percent out of all possible purchases? I know it's probably only a few extra cents a month, but this is my hobby.

Message 1 of 5
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Anonymous
Not applicable

Re: Help setting my next credit card goal

Hmm, I don't supose you qualify for a buisness credit card?

Message 2 of 5
Anonymous
Not applicable

Re: Help setting my next credit card goal

I do own my own business, but I won't qualify for any chase products for a while (5/24).

Message 3 of 5
Anonymous
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Re: Help setting my next credit card goal


@Anonymous wrote:

I do own my own business, but I won't qualify for any chase products for a while (5/24).


Ha! You read my mind. Was totally going to reccomend a Ink.

Message 4 of 5
SouthJamaica
Mega Contributor

Re: Help setting my next credit card goal


@Anonymous wrote:

I'm a transactor, and always PIF, so have focused on cash back rewards. I don't particularly care about interest rates or 0% APR periods, and I never really saw the point in saving up points and tranferring them to partners for stuff I would otherwise very likely go without. I now have a very "good" problem: I'm running out of cashback cards to get.

I have Discover It and Chase Freedom for 5% categories (10% on discover for the next few months of the double cashback promo). And I have AAA Rewards for 3% on travel, and AARP for 3% on Restaurants. Sallie Mae gives me 5% on gas and Amazon year roud. After months of trying I finally got a Citi DoubleCash for 2% on everything else (that was my last goal, which I'd almost given up on). Now I can't decide what to hunt for next... does anybody have a suggestion? What cards can I apply for to make sure I squeeze every last tenth of a percent out of all possible purchases? I know it's probably only a few extra cents a month, but this is my hobby.


If I had such an excellent array of cash back cards, no need for credit, and no need for other credit card benefits, I would try this new hobby: getting my score up to 850 by making no credit applications for 2+ years.

 

I personally think you have squeezed out every last tenth of a percent on all possible purchases.


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




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