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

[Anonymous]

Chase Sapphire Preferred

Chase Freedom

Those are the only two I use. Don't gorcery shop all that much due to not being home much for work. So that's a catagory that I am ok missing out on for over 1%. 

[Open123]

Mine are:

1.  US Bank Cash+ - Initial $2,000 per quarter in charity and dining.

2.  $1,500 per quarter on whatever Freedom/Discover 5% bonus category.

3.  Initial $10K on JPM Ritz.

4.  All telecom/cable/office related expenditures on Ink Plus.

5.  All MS on Fidelity Amex.

6.  Grocery/Gas and all general spending not listed above on EDP or SPG.

That's pretty much it for me.

[chwebb1]

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@taxi818 wrote:

Well I think I'm done with apping. Just wanted to know what others at my fico think us the absolute best card. Some one had thread on how many cards. 1 guy had 39.  Wow!!!  

If you guys don't mind. Listing go to card. 

Right now mine is quick silver one. 

Hoping to raise to discover or amex. 

Honest. I can't justify af for amex because don't travel a lot. 

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It depends on the time of the month for me, because I stop using cards a week before the statement cuts, but in general:

1. AMEX BCE

2. Discover It

3. One of my Barclaycards (Generally SM)

4. BoA Cash Rewards

5. Citi Dividend

[dilettante]

Mine seem to be mostly sign up/yearly bonus driven:

1. Palladium - $100k/35k UR (but in SD right now til anniversary year ends)

2. SPG - $25k/60K SPG (would like to have that many points to transfer to airlines)

3. Ritz - $10k/Gold Marriott status

4. Freedom - $1500 rotating bonus

5. Arrival+ - met spend on first day but would like to add a few travel points here and there 

6. Citi Exec AA - met spend but still using for AA/USAir flights

7. Nordstrom, Saks, BR - big sales lately

[Anonymous]

The cards I use the most would be: -Amex BCP - Gas, Groceries, and Costco -PNC CashBuilder (1.5% CB) - Everything else -Chase Amazon Visa - Amazon purchases, which is quite a bit I know there are better cards out there, but since I am looking to be pre-approved for a mortgage in the coming months I don't want any new credit. Also, I'm relatively young and don't need to lower my avg age anymore.

[kalani91]

1. NFCU cash rewards

2. Discover IT

3. BCE

4. Freedom

Wish I had a US bank cash + but not sure I can get the required 5k limit

[Slim1Der]

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@youdontkillmoney wrote:

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.

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DAMN! That's impressive! So you do have to utilize LOC's the same as CC's to keep them active? 

[Anonymous]

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@youdontkillmoney wrote:

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.

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just started in my career, hopefully a decade down the road I'll be in a similar spot 

centurion for my daily card and if they don't take amex, guess I'll whip out the palladium :-) 

[Anonymous]

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@Anonymous wrote:
The cards I use the most would be: -Amex BCP - Gas, Groceries, and Costco -PNC CashBuilder (1.5% CB) - Everything else -Chase Amazon Visa - Amazon purchases, which is quite a bit I know there are better cards out there, but since I am looking to be pre-approved for a mortgage in the coming months I don't want any new credit. Also, I'm relatively young and don't need to lower my avg age anymore.

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Finally someone else who has PNC CashBuilder! haha. No one ever mentions it...that was my first CC from my own bank. How did you manage to get 1.5% back? My rate is only 1.25?

I only have 2 CCs I use regularly...the PNC CashBuilder with 1.25% back on everything; and the Sallie Mae for Amazon, groceries & gas. Soon to be adding one for dining out/restaurants..I think!

[OHWWCB]

CSP for almost everything

Freedom for gas

My other cards barely get any spend. Although I did put my new bike on my Discover because I feel like I never use it and I wanted the 0% APR because I'll probably pay it off over the next three months.