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Browse credit cards from a variety of issuers to see if there's a better card for you.
Groceries: Disco (5% doubled until February 20), AmEx BCP (6%)
Dining: Savor One (3%)
Gas: PNC Cash Rewards (4%)
Utilities & cell: US Bank Cash+ (5%)
Streaming services (YouTube Music, satellite radio, NHL TV): AmEx BCP (6%)
Auto service: Huntington Voice (3%)
Non-category: PenFed Power Cash (2%)
Just in case I need a BT offer: Langley Cash Back (0% APR for 12 months, 3% BT fee, ends March 31)
Cap1 Savor - Restaurants 4%
Amex BCE - Grocery Stores 3%
Walmart - Walmart 5%
Alliant Sig - 3% expired - now 2%.
CitiDC - Bills/school loans (until I can find a 2.5% or higher Mastercard to use with Plastiq)
Sams MC- Gas and Cell(for insurance)
Discover - 5% category spend
Honorable mention AARP- Gas and Huntington Voice - Walmart
Temporarily, Amex Platinum, to hit the SUB.
When that's done:
Amex Gold for restaurants and groceries
Coastal 3-2-1 for gas
Apple for my rare purchases from Apple and Walgreen's and some Apple Pay purchases
Amazon Store Card for Amazon
Discover for whatever its 5% category is at the time
Hilton Aspire for actual Hilton bookings
Amex Platinum for a few specific things (Uber, Delta incidentals, etc)
PayPal MC for anything else
My plans for tweaking my card lineup, in time, are to downgrade Aspire to the no-AF Hilton card, to upgrade Delta Gold to Delta Platinum, to add Ducks Unlimited, to possibly open a Citi AAdvantage card, to eventually add the rotating 5% Chase card (but can't do this until late 2021), and perhaps to close the Apple Card. But no rush for any of those.
I rotate between my Discover IT Chrome and Apple Card for the cashback. Still dreaming of a Amex and Chase to my collection lol .
@Anonymous wrote:I rotate between my Discover IT Chrome and Apple Card for the cashback. Still dreaming of a Amex and Chase to my collection lol .
You'll get there. ![]()
Looks like you've got a good foundation of cards to build on.
AMEX probably first. DPs I have read indicate it's easiest to start to with cobrands (Hilton-Marriott-Delta), then charge cards (Plat-Gold-Green), and finally rotators (Cash Magnet, Blue Cash Everyday/Preferred etc).
And welcome to My Fico Forums!



























Delta Amex Gold
Amex BCP