What reward card should I use to purchase $6K windows installation?

[Anonymous]

Hi all,

Wanted to know which of our reward cards is best for maxiizing rewards $ if I charge $6,000 on one of our cards in order to see better rewards dollar?

-AmEx Cash Magnet Card

-Discover

-Chase Freedom Unlimited

Thanks for your upcoming recommendation :-)

Mailman in California

[JaseT]

Open a SAVOR card and get the $500 SUB!

[Anonymous]

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@JaseT wrote:

Open a SAVOR card and get the $500 SUB!

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I second this suggestion!

[Anonymous]

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@Anonymous wrote:

Hi all,

Wanted to know which of our reward cards is best for maxiizing rewards $ if I charge $6,000 on one of our cards in order to see better rewards dollar?

-AmEx Cash Magnet Card

-Discover

-Chase Freedom Unlimited

Thanks for your upcoming recommendation :-)

Mailman in California

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If those are the only choices (and so no Savor SUB!) the answer depends on whether the Discover is in its first year or not.   If it is, the rewards are doubled, and you get 2% vs 1.5% on the others, so it would be the best choice.   If not, you get 1% and so is the worst choice.

CFU is better than Magnet if you have (or will have) a Chase transfer card (CSP/CSR/Ink).   If not, pretty equal, except the Magnet rewards will take an extra month to become available.

[Kforce]

Something happened see next entry

[Kforce]

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@Anonymous wrote:

Wanted to know which of our reward cards is best for maximizing rewards $ if I charge $6,000 on one of our cards.

-AmEx Cash Magnet Card

Looks like you are AU on this card.

Don't have an AMEX however most cards rewards go to the owner.

Depending on who is the owner this might make a difference or not.

1.5% rewards

-Discover

Older than one year so only 1% back, not my choice.

-Chase Freedom Unlimited

Also depends on if it is your card or AU card.

Rewards 1.5%

With BK only few years ago and scores where yours are, I would not chase SUB's.

Take the 1.5%, and continue to pay on time, and show good use of the cards you have.

[Anonymous]

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@Kforce wrote:

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@Anonymous wrote:

Wanted to know which of our reward cards is best for maximizing rewards $ if I charge $6,000 on one of our cards.

-AmEx Cash Magnet Card

Looks like you are AU on this card.

Don't have an AMEX however most cards rewards go to the owner.

Depending on who is the owner this might make a difference or not.

1.5% rewards

-Discover

Older than one year so only 1% back, not my choice.

-Chase Freedom Unlimited

Also depends on if it is your card or AU card.

Rewards 1.5%

With BK only few years ago and scores where yours are, I would not chase SUB's.

Take the 1.5%, and continue to pay on time, and show good use of the cards you have.

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OP’s sig hasn’t been updated since 2017. The scores then would be good enough to get a Savor now. Assuming those scores or higher and no app activity, OP is exactly what Cap is looking for. 

[pinkandgrey]

Of those 3, I would say the Freedom Unlimited simply because the rewards rate is higher. Of course, if you plan on carrying a balance for any length of time, your credit limits on each card will play a factor. 

[Anonymous]

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@Kforce wrote:

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@Anonymous wrote:

Wanted to know which of our reward cards is best for maximizing rewards $ if I charge $6,000 on one of our cards.

-AmEx Cash Magnet Card

Looks like you are AU on this card.

Don't have an AMEX however most cards rewards go to the owner.

Depending on who is the owner this might make a difference or not.

1.5% rewards

-Discover

Older than one year so only 1% back, not my choice.

-Chase Freedom Unlimited

Also depends on if it is your card or AU card.

Rewards 1.5%

With BK only few years ago and scores where yours are, I would not chase SUB's.

Take the 1.5%, and continue to pay on time, and show good use of the cards you have.

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Wait...if I used it as AU card what happens verus if my wife (account owner) used it?

[Anonymous]

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@Anonymous wrote:

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OP’s sig hasn’t been updated since 2017. The scores then would be good enough to get a Savor now. Assuming those scores or higher and no app activity, OP is exactly what Cap is looking for. 

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@Saeren: I just updated my sig.  I just did pre-qual on Cap1,  no go on any cards.