What card am I missing?

[Kostya1992]

Amex bce - 25k
Amex Gold Premier
Citi Costco - 9.5k
Citi dc - 5.2k
Freedom - 3.2k
Cap1 Qs - 4.1k
Boa BBR - 2k

Fico - 770-780

I pulled the trigger on the Citi Costco today. Looking into potentially grabbing 1 more card. Thoughts?

[deltatee]

It obviously depends on your spending and desires.  But it looks like you have it pretty well covered with a couple good general spend cards; a rotating category card; and some good cards consistently offering decent returns on gas, dining, travel, uber, and grocery stores; and a card giving you an easy $100.  IMO I think it is best to only apply for what you need and for what is beneficial to your spending.

[Anonymous]

Depends on your needs.  If one more, then I would vote Discover.

[Anonymous]

Discover or something i like to call a zero fee emergency card like Promise. Zero fees for BTs, Cash Advances, FTF, etc and also has Chip and Pin. 

[Anonymous]

My thought was Discover too. Keep in mind the first year (now) is double cash back so you might want to be strategic about when you get it.

Ironically the tag on your post is travel cards and you don't really have any. That's the other possibility, if they'd suit your needs. A hotel or airline card?

[galahad15]

Have you considered apping for the Blispay card?

[kdm31091]

To me, it looks like you have the bases covered. When you find yourself seeking out cards to get like this, it's usually a sign you really don't need any more, and are just looking for something that desn't really fit a need. You already have several category cards, a general 2% card, etc. You aren't going to gain much with anything that's on the market now if we're talking about cash back.

Not to mention the Amex Premier and now your Costco both have fees and demand more of your spending to justify, so I would caution against spreading too thin.

[takeshi74]

It's is never just about the cards.  It's not about lists or what's missing from your list.

It's about your needs/wants.  Start there.  Get those sorted out and clearly defined.  Use that to find cards that suit you.  What are your priorities?  If it's rewards then where is the majority of your spend going? Don't just select cards based on earn rates and trying to cover all categories.  5% or 2% or whatver may look good on paper but what does that mean in terms of your spend in the qualifying categories?  If you're considering rewards programs like Membership Rewards, Ultimate Rewards, Thank You, etc then you have a lot more research you need to do into whether a given program suits you and ensuring that you have sufficient spend and that you can leverage redemption methods with a given program to mazimize rewards value.

Do the analysis.  Do the math.  Do your research.  If you can't be bothered then you probably don't really need another card.  We can certainly help you if you think you have a need that isn't being met but you need to very clear about it so we have information to use to help give you meaningful feedback.  Otherwise you're just asking us to justify a new card for you for the sake of just having a new card.  Don't put the cart before the horse.  Sort out the requirements first.

[RonM21]

I'm on the Discover siggestion also

[Anonymous]

Totally agree about rethinking whether you really need/want another card, but if you decide you do, I think Discover (it) is a great choice too, because:

1. This way you'll have at least 1 card from each network - for those odd promotions that only apply to one particular network and not the others.

2. You have a nice spread of cards, and also a great non-category spend card (the DC), so a 5% rotating categories is probably most beneficial to that lineup at the moment.

Of course, these only hold if you decide that you need/want another card!