Keeping Track of Rewards?

[Dw4250]

---

@Anonymous wrote:

---

---

Since OP has had the card for over a decade, the Amex Blue Cash is the "Old Blue Cash"  (unlimited 5% on gas/groceries/drugstores) and so is different (and better!) than the BoA card.

---

Good catch, longtime!  Yes that 's definitely is a BIG difference.  OP, my bad...Blue Cash to the front of the line!  Ditch the BOA U-W Alumni card (don't let the fact I'm a U of MN alumni skew your decision...  )

[Alberio]

Thanks much!  This is very helpful!!

[Alberio]

Just wanted to add that I downloaded the Wallaby app and I LOVE IT!  Fabulous and free!  Thanks again!

[Anonymous]

---

@xsvspd wrote:
Sounds like you have the It card, as thats the current promo.

I use an app called wallaby, it's fantastic. Free. And tells me which card to use to utilize my rewards.

---

The perfect answer!!

Wallaby

[takeshi74]

---

@Alberio wrote:

How do you keep track?

---

Mental note.  Even with 11 cards (only 9 really have rewards worth considering though) I don't find it to be that big of a deal.  3 of them are UR cards so they're tied to the same points system.

[Themanwhocan]

---

@Anonymous wrote:

---

@bdhu2001 wrote:

 Find the card that you like the rewards offered and use it.  Don't spread your usage around for points, because it will take forever to get enough points.  I use FirstBank of Omaha Master card for rewards and American Express Costco for shopping at costco and getting gas at costco.  American Express gives me back cash and it makes my costco membership esentially free.  My MC is used and paid off constantly.  I have automatic subscriptions billed to it and I use the rewards for gift cards so that I don't have to buy a bunch of gifts at Christmas.  It adds up to quite a bit if you only use two primary cards.

---

Also a question of effort vs gain.    Sometimes you need to get perspective, if you spend $20 and use the "wrong" card because you forgot a 5% category and use a 1% instead, you have lost $0.80.   And this is sort of the worst case.     

So if you find it hard to remember which card to use, and to keep the cheat sheet updated, it just may not be worth worrying.

---

With just 80 cents a day, UNICEF can save one child for one and a half days... or one and a half children for one day. Though I'm not sure if i'd want to be the child who was only half saved today... That sounds rather painful.

[Themanwhocan]

---

@Dw4250 wrote:

---

@Anonymous wrote:

---

---

Since OP has had the card for over a decade, the Amex Blue Cash is the "Old Blue Cash"  (unlimited 5% on gas/groceries/drugstores) and so is different (and better!) than the BoA card.

---

Good catch, longtime!  Yes that 's definitely is a BIG difference.  OP, my bad...Blue Cash to the front of the line!  Ditch the BOA U-W Alumni card (don't let the fact I'm a U of MN alumni skew your decision...  )

---

I'm also U of MN Alumni also U of MN Staff.

Y'know, we have light rail transit going right through the campus? That's progress, I suppose...

[Anonymous]

Question...Why do you need so many cards?

The temptation is too great.

With so many cards, don't you think the lenders might think they cannot be paid should your debt rise.

Sometimes more is not better.

[nachoslibres]

---

@Anonymous wrote:

Question...Why do you need so many cards?

The temptation is too great.

With so many cards, don't you think the lenders might think they cannot be paid should your debt rise.

Sometimes more is not better.

---

Some don't have a problem with temptation with debt.  Any thing I buy on a credit card I make sure I have the cash to pay for it before doing so.

[Open123]

---

@takeshi74 wrote:

---

@Alberio wrote:

How do you keep track?

---

Mental note.  Even with 11 cards (only 9 really have rewards worth considering though) I don't find it to be that big of a deal.  3 of them are UR cards so they're tied to the same points system.

---

+1

Easily keep track in my head on 15+ cards on all rewards, due dates, rewards valuation and which card has the highest category spend.  It aint rocket science.