What is your go to card?? (List order)

[JSS3]

Citi TYP. 

It's the only card with a 0% interest rate so I use it exclusively while paying down my other two cards. I also get cashback to use on Amazon. Win-win.

[Anonymous]

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@JSS3 wrote:

Citi TYP. 

It's the only card with a 0% interest rate so I use it exclusively while I paying down my other two cards. I also get cashback to use on Amazon. Win-win.

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You get Amazon cash back at a really bad rate, making this less than a 1% card except on bonus categories.   So not win-win from that view point!

[Closingracer99]

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@Anonymous wrote:

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@JSS3 wrote:

Citi TYP. 

It's the only card with a 0% interest rate so I use it exclusively while I paying down my other two cards. I also get cashback to use on Amazon. Win-win.

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You get Amazon cash back at a really bad rate, making this less than a 1% card except on bonus categories.   So not win-win from that view point!

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While that is true if your informed about other choices it is better then 0% 

[JSS3]

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@Anonymous wrote:

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@JSS3 wrote:

Citi TYP. 

It's the only card with a 0% interest rate so I use it exclusively while I paying down my other two cards. I also get cashback to use on Amazon. Win-win.

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You get Amazon cash back at a really bad rate, making this less than a 1% card except on bonus categories.   So not win-win from that view point!

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For my situation, it's a win-win but I acknowledge it's not the "best" win-win.

I have 3 cards that are carrying balances. 2 of them need to be paid down. So I'm "relegated" to my TYP because I'm trying to keep my debt on 3 cards(with small purchases on the others to keep activity on them). Since I'm relegated to the TYP anyway, it does help that I get a little something back to use on Amazon.  I shop there the most. Then add in that it's currently my only 0% APR card which allows me to carry a balance.

[MissMoni223]

Quicksilver 1, Discover, Barclays.  Now this could change if my 2nd & 3rd choices surpass my QS1 CL!!!

[baller4life]

NFCU Cash Rewards

[youdontkillmoney]

AMEX Platinum NPSL

Citi Prestige World Elite MasterCard

That's all. The other 18 are stored and only used every six months to keep them active.

The other credit I have at my disposal are five personal lines of credit. Again, I use them once every 6 months to keep them active and for one of them, if I use it once a year, the $25 annual fee (Citi I think) is waived.

Upwards of $300,000+ total in credit.

[Anonymous]

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@JSS3 wrote:

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@Anonymous wrote:

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@JSS3 wrote:

Citi TYP. 

It's the only card with a 0% interest rate so I use it exclusively while I paying down my other two cards. I also get cashback to use on Amazon. Win-win.

---

You get Amazon cash back at a really bad rate, making this less than a 1% card except on bonus categories.   So not win-win from that view point!

---

For my situation, it's a win-win but I acknowledge it's not the "best" win-win.

I have 3 cards that are carrying balances. 2 of them need to be paid down. So I'm "relegated" to my TYP because I'm trying to keep my debt on 3 cards(with small purchases on the others to keep activity on them). Since I'm relegated to the TYP anyway, it does help that I get a little something back to use on Amazon.  I shop there the most. Then add in that it's currently my only 0% APR card which allows me to carry a balance.

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Well, you can do better, still using the TYP, by getting the student loan/mortgage redemption (which is 1:1), deposit the check and pay for your Amazon purchases from that.  A little more work, so depending on the amount involved may not be worthwhile.

But people should be aware that various choices are suboptimal!

[Anonymous]

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@Closingracer99 wrote:

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@Anonymous wrote:

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@JSS3 wrote:

Citi TYP. 

It's the only card with a 0% interest rate so I use it exclusively while I paying down my other two cards. I also get cashback to use on Amazon. Win-win.

---

You get Amazon cash back at a really bad rate, making this less than a 1% card except on bonus categories.   So not win-win from that view point!

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While that is true if your informed about other choices it is better then 0% 

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Yes, it's also  better than using the card to get a cash advance and paying Amazon using that.  Or getting a payday loan.

[CreditMagic7]

I had no idea when first jumping into this journey last year that lining up certain rewards cards that are of the best use for your spend takes time, but it does. So far these are my collection to date. BofA is my most go to ATM with the intention of bringing on a duplicate at some point. I just like it plus i am a strictly Cash Back proponant

BofA Cash Rewards 3% Gas 2% Grocery 1% all else

Huntington Voice      3% Selective Choice of numerous categories every quarter (Utilities)

Chase Freedom        5% Rotating (Gas this month)

Here's a really funny one for you.

As detestable as this CC is to me i always find it my Go To card when traveling for lunch, snack and cigs.

Capital One GM BuyPower 5% all spend up to 5k per annum toward a GM vehicle purchase ot lease. It's a real beauty with a $600 Limit they refuse to up it at all