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BoA Secured only... :/ sucks being a starter on this forum!! haha
Looking to get a couple of store cards by the end of the summer.
I suppose I should look into getting my signature pictures updated?
Capital one cash rewards - for most things
Chase Freedom for - Restaurants
AMEX BCE - for gas and groceries
Citi Dividend - SD
Discover it - SD
I'm kind of boring with my CCs. I'll be using Amex BCE for gas/groceries and Amex PRG for everything else.
Being against cards with rotating categories I'm using:
Citi Forward: 5% Restaurants and Amazon
Penfed: 5% Gas
Citi TYP: 5% groceries, drug store (and gas) (maxed the cap on BCP for groceries)
US Bank Cash Plus: 5% Phone bills
Fid Amex: 2% everything else
Cap One: 1.5% for where everything else doesn't take Amex.
I don't need to carry Penfed as I have a speedpass and for non-exxonmobil I can use TYP, and Cash Plus stays at home, so I can make do with carrying 4 cards.
Edit: and really 3, because Cap One can stay at home as well. In most cases where Amex isn't taken, the difference between 1.5% and 1% using Forward or TYP is very small.
@bs6054 wrote:Being against cards with rotating categories I'm using:
Citi Forward: 5% Restaurants and Amazon
Penfed: 5% Gas
Citi TYP: 5% groceries, drug store (and gas) (maxed the cap on BCP for groceries)
US Bank Cash Plus: 5% Phone bills
Fid Amex: 2% everything else
Cap One: 1.5% for where everything else doesn't take Amex.
I don't need to carry Penfed as I have a speedpass and for non-exxonmobil I can use TYP, and Cash Plus stays at home, so I can make do with carrying 4 cards.
thats a nice line up of cards!
I wish I had a citi foward, I spend a decent amount on amazon, but there was no sign up bonus for the student one that they still offer so I didnt get it on my "spree" last week
I rent so I have no need for Discover's home improvement category, but I love to go out to eat so my Chase Freedom will come in handy.
Normally I would say sockdraw the Discover, but since we're moving into a new rent house the middle of April, looks like I'll be hitting lowes and home depot up for some home improvement.
BOA will continue to be my 3% gas, 2% grocery card and 1% everyday spend and Freedom gets left with the recurring bills since her limit is so low, but I may show her some restaurant love.
PRG - Just received it last week, so I'm trying to reach my goal for the 25K bonus points.
CSP - For dining out. 2x points
I'm making heavy use of the following:
Amex Costco TE - 3% Gas
Amex BCE - 3% Groceries (except Walmart)
Chase Freedom - 5% Restaurants & Lowe's (yard supplies)
US Bank Cash+ - 5% Phone Bills, 5% Dept Stores, 2% Walmart (coded as "grocery")
Cap One Cash Rewards - 1.5% on remaining non-category spending