If you could only carry 2 cards...

Anonymous · ‎04-18-2020

If you could only carry 2 credit cards in your purse / wallet. What would they be?

I'll be applying for an Amex Gold in a few weeks and want to supplement that with a non Amex for places that don't accept Amex. I could just fall back to the plain ol' debit card.

I have only about $2500 / $3000 worth of spend a month and I'm not sure if it's worth it to spread it scores multiple cards?

I plan to put my Discover and Amex Delta Gold in a drawer while having some auto pay stuff attached to them to keep them alive.

What would you do?

M_Smart007 · ‎04-18-2020

I would really look at getting a Visa/MasterCard .. possibly 2/3%'er.

There are many flavor's .. and you will get opinions that vary.

Anonymous · ‎04-18-2020

@M_Smart007 wrote:
I would really look at getting a Visa/MasterCard .. possibly 2/3%'er.
There are many flavor's .. and you will get opinions that vary.

By % do you mean cash back? Could you recommend a few perhaps?

wasCB14 · ‎04-18-2020

Schwab Platinum - Perks, flights, stuff that can break, sketchy merchants.

BofA Premium (Platinum Honors) - Taxes, bills, Costco and other no-Amex merchants, dining, non-flight travel.

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select

Anonymous · ‎04-18-2020

Chase out of loyalty and AmEx since its my largest CL.

Anonymous · ‎04-18-2020

@wasCB14 wrote:
Schwab Platinum - Perks, flights, stuff that can break, sketchy merchants.
BofA Premium (Platinum Honors) - Taxes, bills, Costco and other no-Amex merchants, dining, non-flight travel.

I have a Schawab account and have looked at that. But is there a min checking or brokerage balance required to get the Schawab Amex Platinum? The MR points conversion is nice.

Anonymous · ‎04-18-2020

@Anonymous wrote:
Chase out of loyalty and AmEx since its my largest CL.

I was thinking Chase Sapphire Reserve and Amex Gold. But that would be over kill in AF. Plus I get all the CSR benifits through Delta now anwyay for being Diamond.

wasCB14 · ‎04-18-2020

@Anonymous wrote:
@wasCB14 wrote:
Schwab Platinum - Perks, flights, stuff that can break, sketchy merchants.
BofA Premium (Platinum Honors) - Taxes, bills, Costco and other no-Amex merchants, dining, non-flight travel.
I have a Schawab account and have looked at that. But is there a min checking or brokerage balance required to get the Schawab Amex Platinum? The MR points conversion is nice.

I don't think so. I think account balances only play a role in the loyalty credit.

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select

M_Smart007 · ‎04-18-2020

@M_Smart007 wrote:
I would really look at getting a Visa/MasterCard .. possibly 2/3%'er.
There are many flavor's .. and you will get opinions that vary.

@Anonymous

PNC Cash rewards

Citi Double Cash

BoA Cash Rewards

BBVA Clearpoints

PenFed Power Cash is 2% (with the right Account)

PayPal 2% MC (no phone app)

AOD CU 3% FoTM

probably some others ...

Anonymous · ‎04-18-2020

@M_Smart007 wrote:
@M_Smart007 wrote:
I would really look at getting a Visa/MasterCard .. possibly 2/3%'er.
There are many flavor's .. and you will get opinions that vary.
@Anonymous

PNC Cash rewards
Citi Double Cash
BoA Cash Rewards
BBVA Clearpoints
PenFed Power Cash is 2% (with the right Account)
PayPal 2% MC (no phone app)

AOD CU 3% FoTM

probably some others ...

Thank you!!! So helpful