What's in your wallet!?: Which cards you use where, and why!

[Anonymous]

Once my new Citi card shows up my answer will be:

Citi Platinum Amex for gas, groceries, drugstores (5% in TYP for the first two years)

Citi Platinum Amex for everything else (3% in TYP for the first two years)

Exceptions:

Amex Gold Delta SkyMiles: Cell phone, hardware stores, USPS for double miles (Will spend at least $300 a month on this card for the rest of the year in order to reach annual spending level for 10,000 bonus miles.)

All other cards: One small purchase per month to keep them active.

[haulingthescoreup]

In my wallet:

PenFed --gas and grocs (5% and 2% cash back, respectively)

Chase Borders --restaurants/ fast food, grocs, Borders (2% and 3% in points; if Borders is bought out by B&N, I want Chase to let me switch to a Freedom Plus)

AmEx Gold --Verizon bill plus whatever else (because I'm trying to look like a grown-up to them)

UTFCU and USAA debit cards --occasionally for printing out cash (because sometimes even I use cash)

everything else in drawer with random recurring monthly charges or for store purchases (to keep them alive)


edit to add the "and why" part

Message Edited by haulingthescoreup on 07-18-2008 03:51 AM

[Anonymous]

Citi Dividend Platinum Select BoA American Express Accelerated Rewards I use both routinely on whatever just switching it up.

[fused]

Amex Plat: travel, gas, groceries, utilities, booze and everyday needs

FIA 529 Plan Plat Visa: whenever I can't use my Amex

The rest of my CCs are in a deep freeze

[Anonymous]

Not a single credit card. An i'm gonna keep it that way.

[Anonymous]

Amex Blue Cash
- gas
- supermarkets
- drugstores

Amex Starwood
- everywhere else that accepts Amex

Merrill+
- everywhere else that doesn't accept Amex
- huge purchases ($15k CL)

Citi AAdvantage
- just in case

Message Edited by rratss on 07-17-2008 07:30 PM

[Anonymous]

I have 7 cards but I only carry 1 card at a time in my wallet. Right now, BoA UCLA Alumni MC b/c it's the one with the most reward points accumulated and supposedly they donate to the Alumni Assoc everytime I use it.

Message Edited by Psyche0209 on 07-18-2008 01:33 AM

[Anonymous]

Mastercard
-Orchard Bank Platinum
-Capital One Platinum

Store
-Crown Jewelers

Every one else denied me for not having enough history.

[Anonymous]

Lets see:

Discover More

Amex gold

amex blue cash

amex starwood

Hooters

Saks

JcPenny

Kohls

Citi Hilton visa

Citi professional

Wamu

2 other Visas from smaller banks

Soon BOA rewards Visa

Too many cards but I keep getting good offers. I rotate the cards since there's not enough room in 1 wallet.

[thrasher865]

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rratss wrote:
Amex Blue Cash
- gas
- supermarkets
- drugstores

Amex Starwood
- everywhere else that accepts Amex

---

That's not doing you any good.  I'd say it'll be hard to hit $6500 on gas, drugs and groceries alone.  In which case, 1% is the standard rate on most other cashback cards and then you can earn bonus rates on top.