The “All other purchases” card

[MakingProgress]

I'm one of those who dosen't travel so I stay away form points and look at cash back.

Card 1 Discover - Using 5% catagories. I can also use as general spend as I just got the card and will double my cash back until Feb of 19.  So in effect it is 2% for general spend and 10% for catagories,  but I won't get the extra for almost a year.

Card 2 - Amex BCE - 3% for supermarkets, 2% for gas / select department stores, 1% for everything else.  - I will use for groceries, and occasionaly for gas.

Card 3 Chase Amazon Rewards - 5% on Amazon Purchases , 2% Resturant and gas, 1 % everything else.  I use for Amazon purchases, and Resturants, may use occasionally for gas. 

Card 4 - Citi Double Cash 1% when I purchase and 1% when I pay.   I PIF so I am getting 2% on all purcahses.   General spending card for anything that I am not getting at least 2% on another card.

Card 5 - Quicksilver -  1.5% cashback on everyting. This was my goto for everyting because all I had was this and a Cap one Platinum.  Now that I have the others this will be for my kids (age 18 and 23) to use and build some credit as AUs.

Card 6 - Sync Lowes - used for Special Financing or the 5% off on purchase.   

Even though he 2% catagories on other cards don't net me anymore than using the Citi DC  I will use them for the 2% catagories just to make sure I am spreading the wealth of my general spending around all my cards.  When in doubt the Citi DC is my goto general spending card. 

[Steelersboy]

Citi DC, my go to card.

[Anonymous]

---

@xenon3030wrote:

BOA PR can be a good CC for the other categories (1.5-2.63X depending on status from regular to Pt honor).

---

I think BoA is really overlooked, people don't account for the preferred rewards program. It's withw noting that you get that 2.63% back in the Travel Reserve card as well, will no annual fee. I couldn't justify the PR card's fee given that the TR card is free. It's trivial to get 1.6% back just by opening a bank account and if you have any savings at all not hard to climb the other rewards tiers.

It also had no foreign fee meaning it's a daily driver you can travel with.

I am in the process of moving my retirement savings to Merrill Edge just to get that 2.63% rate. They are also giving me a transfer in bonus as well.

[Anonymous]

The Freedom Unlimited and the Amex SPG. 

[simplynoir]

---

@Anonymouswrote:

---

@xenon3030wrote:

BOA PR can be a good CC for the other categories (1.5-2.63X depending on status from regular to Pt honor).

---

I think BoA is really overlooked, people don't account for the preferred rewards program. It's withw noting that you get that 2.63% back in the Travel Reserve card as well, will no annual fee. I couldn't justify the PR card's fee given that the TR card is free. It's trivial to get 1.6% back just by opening a bank account and if you have any savings at all not hard to climb the other rewards tiers.

It also had no foreign fee meaning it's a daily driver you can travel with.

I am in the process of moving my retirement savings to Merrill Edge just to get that 2.63% rate. They are also giving me a transfer in bonus as well.

---

I don't think it's so much overlooked but that the minimum deposit requirements (savings/checking/ML/ME) to max the earning potential not everyone can get so it's rather limited. And the TR card is just a 1.5% cashback card they just call it a "travel" card. If you do any sort of travel and prefer cashback the PR card is superior and basically free after the incidental credit.

[xenon3030]

Both PR and TR have practically no AF (PR: 100$ travel credit, 95$ AF --> earn 5$).

PR is much better than TR (travel insurance, TSA fee coverage, minimum 2x on travel/dinning, etc.).