Discover It - 5% & 1% CB categories; I'm in my first year so it's 10% & 2%
Costco Citi Visa - 4% gas, 3% dining CB
PayPal MC - 2% CB; I use when using PayPal to check out only
Blispay Visa - 2% CB PLUS 0% financing for 6 months on $199 and up
Chase Amazon Visa - 5% CB at Amazon (card only used on large Amazon orders)
Amazon Prime Store Card - 5% CB at Amazon
RBFCU Rewards MC - 2% CB, plus low APR & cash advance is treated as card regular spend
Lowe's Card - 5% off or special financing offers
Target Red Card - 5% off, plus combined with Cartwheel gets extra savings
NFCU Rewards Visa - 1.5% CB; I use it to pay mobile bill for the $250 phone insurance it offers
Quicksilver - 1.5% CB; use sparingly now
Kohl's and Lane Bryant - extra coupons during the year, exclusive offers
Synchrony Discount Tire Card - Occasionally has 3% statement credit promotions (card is currently in the SD)
Sam's Club Credit Card - currently offering a 3% statement credit if you use app to check out. Useless otherwise. (I wanted the MC version, which offer 5% CB on gas)
Useless - Fingerhut.
Useless - Overstock (need to hunt for true bargains & use a coupon)
I'm rebuilding, I got what I got.
Wanted:
Uber Card - Offers 4% dinning CB and $600 phone insurance if you pay the bill using the card
US Bank Cash+ - 5% category choice
Chase Freedom - 5% CB rotating categories
BCE - 3% groceries (would go BCP first, for the 6% groceries for two years due to sign up bonus, then cancel)
@Adkins wrote:Discover It - 5% & 1% CB categories; I'm in my first year so it's 10% & 2%
Costco Citi Visa - 4% gas, 3% dining CB
PayPal MC - 2% CB; I use when using PayPal to check out only
Blispay Visa - 2% CB PLUS 0% financing for 6 months on $199 and up
Chase Amazon Visa - 5% CB at Amazon (card only used on large Amazon orders)
Amazon Prime Store Card - 5% CB at Amazon
RBFCU Rewards MC - 2% CB, plus low APR & cash advance is treated as card regular spend
Lowe's Card - 5% off or special financing offers
Target Red Card - 5% off, plus combined with Cartwheel gets extra savings
NFCU Rewards Visa - 1.5% CB; I use it to pay mobile bill for the $250 phone insurance it offers
Quicksilver - 1.5% CB; use sparingly now
Kohl's and Lane Bryant - extra coupons during the year, exclusive offers
Synchrony Discount Tire Card - Occasionally has 3% statement credit promotions (card is currently in the SD)
Sam's Club Credit Card - currently offering a 3% statement credit if you use app to check out. Useless otherwise. (I wanted the MC version, which offer 5% CB on gas)
Useless - Fingerhut.
Useless - Overstock (need to hunt for true bargains & use a coupon)
I'm rebuilding, I got what I got.
Wanted:
Uber Card - Offers 4% dinning CB and $600 phone insurance if you pay the bill using the card
US Bank Cash+ - 5% category choice
Chase Freedom - 5% CB rotating categories
BCE - 3% groceries (would go BCP first, for the 6% groceries for two years due to sign up bonus, then cancel)
Fingerhut is supposedly one of the very few lenders that provides a free EQ FICO8 score. If that's the case for you, I'd be inclined to keep it open just for that.
My current lineup:
Synovus Cash Rewards: 3% restaurants and groceries
Cap1 QS: SD
Amex BCE: SD
Chase Freedom: 5% categories
Chase FU: churned, SD (keep in case I get a Sapphire one day)
Citi DC: 2% catch-all card
Citi TYP: TY points on travel/gas/entertainment (used on travel portal or airline transfers)
Chase IHG: yearly free night, status (SD)
Barclay Wyndham: hotel points, status (SD)
Amex EDP: MR points on groceries/gas/non-category (SD)
Amex PRG: MR points on restaurants (SD)
Amex Green: churned, SD
BoA Cash: churned, SD
BoA Travel: churned, SD
Barclay CF: churned, SD
Barclay Apple: financing laptop purchase
Amex Hilton Surpass: churning for points, status
Amex Delta Gold: churning for miles
I've got cards I use when I'm chasing awards for a specific travel purchase, and some that I use for cash when the points aren't worth as much to me. Right now I'm working on bonuses for Hilton and Delta, but when I'm done with those I'll go back to cash back since I already got my award travel for next year and don't need the points right now.
Future cards:
Cap1 Venture - churn for $500
BoA Premium - churn for $405
Barclay Arrival+ - waiting for bonus to go back up
WF CashWise - churn for $200
Chase Sapphire Preferred - someday maybe
@arkane wrote:
@Adkins wrote:Discover It - 5% & 1% CB categories; I'm in my first year so it's 10% & 2%
Costco Citi Visa - 4% gas, 3% dining CB
PayPal MC - 2% CB; I use when using PayPal to check out only
Blispay Visa - 2% CB PLUS 0% financing for 6 months on $199 and up
Chase Amazon Visa - 5% CB at Amazon (card only used on large Amazon orders)
Amazon Prime Store Card - 5% CB at Amazon
RBFCU Rewards MC - 2% CB, plus low APR & cash advance is treated as card regular spend
Lowe's Card - 5% off or special financing offers
Target Red Card - 5% off, plus combined with Cartwheel gets extra savings
NFCU Rewards Visa - 1.5% CB; I use it to pay mobile bill for the $250 phone insurance it offers
Quicksilver - 1.5% CB; use sparingly now
Kohl's and Lane Bryant - extra coupons during the year, exclusive offers
Synchrony Discount Tire Card - Occasionally has 3% statement credit promotions (card is currently in the SD)
Sam's Club Credit Card - currently offering a 3% statement credit if you use app to check out. Useless otherwise. (I wanted the MC version, which offer 5% CB on gas)
Useless - Fingerhut.
Useless - Overstock (need to hunt for true bargains & use a coupon)
I'm rebuilding, I got what I got.
Wanted:
Uber Card - Offers 4% dinning CB and $600 phone insurance if you pay the bill using the card
US Bank Cash+ - 5% category choice
Chase Freedom - 5% CB rotating categories
BCE - 3% groceries (would go BCP first, for the 6% groceries for two years due to sign up bonus, then cancel)
Fingerhut is supposedly one of the very few lenders that provides a free EQ FICO8 score. If that's the case for you, I'd be inclined to keep it open just for that.
It does but they have not done a score update since October. (And I've bought something so there's account movement).
Edited: They updated yesterday, with a November pull date.
I was into getting different rewards for different spend, its still nice to have but after 2 years of rebuilding, low income and spend , im realizing having 20 different cards for 20 different rewards type structures just doesnt work. Im struggling just when to decide to use my 1.5 Amex my 1.5 Navy Cash or my 2% DC . The worse thing on low spend with DC and AMEX is there are redeem thresholds so its a constant battle. I really do think a 4 card lineup may be best for me in the future
