Share your rewards line-up!

[Anonymous]

Citi Double Cash MC - 2% off everything
Chase Amazon Prime VISA - 3% off Amazon
Uber VISA - 4% off dining and bars and $600 cell phone insurance
Target REDcard - 5% off Target plus Cartwheel for additional savings
Sock drawer: Citi Forward VISA (however, I will spend $500 to get back $50 when converted to Citi Preffered in January 2018)

These fit my lifestyle. I go to bars and restaurants with my girlfriend and shop on Amazon mostly. Eventually, I'd like the Costco card for 4% off gas, but won't need a Costco membership until I'm a family man.

I could upgrade to Prime and get 5% back, plus $50 off the subscription from Uber VISA... but I don't spend enough at Amazon to make up for the cost of the subscription. I'd have to spend >$2,500/year to make the upgrade worthwhile. I'm linked to a Prime account so I get the 2 day shipping for free already anyway
$2,500 * 3% = $75
$2,500 * 5% - $49 = $76

[xvassagox]

In my wallet

BofA Cash Rewards - Enrolled in preferred rewards platinum honors tier - 5.25% on Gas, 3.5% on Groceries and Costco

BofA Travel Rewards - Enrolled in preferred rewards platinum honors tier - 2.625 points on all purchases

Barclays Uber card - 4% on dining, 3% on travel

Capital One Quicksilver - 1.5% on all purchases (personal spending separate from family expenses)

Target Redcard - 5% on all Target

Online purchases

Amazon Prime Rewards Card - 5% on all Amazon

Blispay - 2% on all purchases (mainly used for large purchases with their 6 month no interest promo)

Citi Costco Anywhere card - 2% on Costco (mainly used for large Costco.com purchases which adds an extra 2 year warranty)

[kilroy8]

Starting to get crowded, right now throwing all my spend at CSP to meet 4K for 50K bonus points. After spend is met will go to a charge or two a month and travel spend only, probably PC before AF is due. Normally it looks like this for me:

Groceries = BCP 6%, if it hits 6K max spend, then BCE 3%

Disco/Freedom = 5% categories

Restaurant = NFCU Go Rewards 3%

Gas = BCP 6% at Meijer Gas Station, except 1st Qtr '18 - then Disco/Freedom category is gas

Cell Phone and Fast Food = US Bank Cash+ 5% (not in my sig, but I have one)

Misc Spend = QuickSilver 1.5%

I throw them all at least a little spend each month so they don't get closed on me.

[arkane]

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@Gardenhand wrote:

I'm happy with my eight cards at this point. They all have a purpose and get used depending on the current rotating categories on my 5 percent cards. It hasn't been too much to manage at this point. Plus I've got a ton of UR points on my CSP (60,000 plus). Defiantly gardening for the next year as I can't imagine any other cards being useful at this time. Even after a year I only imagine opening any new card for the sign up bonuses unless there are other five percent cards out there.

Discover IT- 5 percent rotating categories

Chase Freedom- 5 percent rotating categories

TD Bank- 3 percent at restraunts

Bank Of America- 3 percent at gas stations

AMEX BCE- 3 percent at grocerie stores

CitiDouble- 2 percent on general spend

Chase Unlimted- 1.5 percent on general plus 0 percent offer till September

Chase CSP- travel and used for transferring points from other Chase cards

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Way to go bud, go show those banks who's boss!

[galahad15]

Here are the rewards cards I am currently using most frequently, in my collection:

1.  BEFCU VISA:  low fixed APR + rewards program (not sure about the exact % value)

2.  PACU MC:  low fixed APR + approximately 1.5% cashback on all purchases

3.  Cap 1 NHM MC / FNBO BucksBack VS / Citi DC / Blispay:  all used as 2% rewards cards on all purchases

4.  US Bank Cash+(x2):  5% cashback for cell phones, ground travel, fast food, and department stores

5.  FNBO Travelite:  3% cashback on travel, 1.5% for everything else

6.  Discover IT:  occasionally used for 5% quarterly categories, but tbh I have issues keeping track lol.  Much easier with Cash+ since it has ongoing and non-rotating categories.

[Anonymous]

Amex BCE - 3% grocery. Upgrade to BCP in Aug as I've already earned $100 in 4 cycles but don't want another aaoa hit

Cap1 Qs - leftover rebuild card. Only used for monthly $11 Hulu. Won't close as it's oldest but I will probably CLD it before HP CLI to upgrade to sapphire Reserve to improve credit/income. At $65k/$85k and don't want to be denied CSR for total exposure.

Chase CSP - airfare, hotel, rental cars & restaurants when not covered by disco category. Love the travel insurance perk along with the value of UR in general and with my wife as Au we rack up thousands of UR a month because she'll put in lunch /dinner orders for her entire unit at the hospital and get cash or venmo from coworkers. All our personal dining goes to CSP as well, could potentially be getting more from a cb card but we value UR more than the +1-2% we miss by not using Costco 3% dining. Will be upgrading to sapphire Reserve in Aug when it hits one year mark.

Citi Costco: 4% on gas (more like 6-10% when accounting for Costco always being anywhere from 5-20c/gal cheaper than any station in town) and 2% Costco purchases - we're organically frequently Costco shoppers since long before getting the card. This is my goto card for all gas, along with extended warranty & protection on big ticket items. If we didn't value UR the way we do Costco would get all our dining spend.

Discover - 10% category & 2% flat until next Aug. Signed up to get the Amazon and Target category for holidays this year. This card is & will be heaviest use daily driver card until end of my first year. Any category spend outside of travel, gas & grocery goes here, as do all regular bills except cellular & any random expense or bill that doesn't fit better on the CSP. Will easily see over a grand combined cashback at the end of the year. Love their customer service, and for me very generous SL ($10k) & CLI ($3K for my first - try again in Jan) policy.

NFCU CashRewards - impulse card resulting from excitement of being granted membership and hoping for a monster suprise SL that you hear so much about on here. Instead got a $5.5k 1.5% card with a CL identical to my median limit. Not mad per say but it was a stupid move - didn't need it and it doesn't serve any purpose or need. I give it random spend here and there but not much. Eventually will CLI it & keep for a emergency need to carry a balance 10% APR or have an extremely high charge to push through card.

Wells Fargo signature Visa: gets the monthly AT&T bill for the additional phone insurance and nothing else. Old rebuild card with a terrible 1% cb that I'll be keeping indefinitely for the age. Maybe CLD if I need the room elsewhere but it'll stay open.

Target: 5% for target where we shop pretty regularly, though I've been using disco for 10% since q4 started.

[dlister70]

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@kilroy8 wrote:

Gas = BCP 6% at Meijer Gas Station, except 1st Qtr '18 - then Disco/Freedom category is gas

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Is this via buying gift cards in the store and then using them at the pump?  The gas station codes as gas rather than grocery store for the store near me, but perhaps it's different at different stores.

If you're buying gift cards for gas, they've got a sale through Saturday or Sunday where you buy a $50 gift card and get $5 coupon for your next purchase (can't use the coupon to buy more gift cards though).  When you buy it with the BCP you also get $3 cash back, so it's like getting a $50 gift card for $42 or 16% back! 

[kilroy8]

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@dlister70 wrote:

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@kilroy8 wrote:

Gas = BCP 6% at Meijer Gas Station, except 1st Qtr '18 - then Disco/Freedom category is gas

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Is this via buying gift cards in the store and then using them at the pump?  The gas station codes as gas rather than grocery store for the store near me, but perhaps it's different at different stores.

If you're buying gift cards for gas, they've got a sale through Saturday or Sunday where you buy a $50 gift card and get $5 coupon for your next purchase (can't use the coupon to buy more gift cards though).  When you buy it with the BCP you also get $3 cash back, so it's like getting a $50 gift card for $42 or 16% back! 

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Everything codes as groceries at my Meijer, even the gas station. Nice tip on the gift cards, though.

[Anonymous]

Dedicated to Chase
CSR: all travel and dining
Freedom: 5 percent category
Freedom Unlimited: everything else not in the above

Discover: sometimes depending on the category. Using now for Amazon.

[BronzeTrader]

I use my AmEx Plat, Chase CSR and Ritz for all perks.  Discover and Chase Freedom for 5% rewards.  Then run other daily spending over the AmEx SPG and Freedom Unlimted.

I pretty much by-pass my hotel and airline cards.  Not super good rewards.