What should I app for when I leave the garden?

[SSA_2013]

---

@Themanwhocan wrote:

I hear they Bork'd the Citi Forward so it doesn't give 5% on Amazon purchases anymore.

You might consider the Sallie Mae World Mastercard. 5% on bookstores upto $750 purchases/month, so that should cover some of your Amazon transactions. And 5% on upto $250 Gas, and 5% upto $250 grocery store purchases. This card is on my short-list of cards I want.

So the Forward would cover your fast food/restaurants, and the Sallie Mae would cover grocery stores. Seems like a good fit. You gotta eat something...

Have you considered switching the Discover More to a Discover IT?

---

Thanks for the recommendation. I was looking at the Sallie Mae card a few months ago. I think I may need to look at it again.

In regards to the Discover card: Well, customer service reps have said that if you get the "IT" you can't product change. So I figure that if Discover ever came out with a different card that is better than the "IT" I could switch it over. The main difference between the More vs. "IT" equals 1) late payment forgiveness 2) No minimum $3,000 to meet that 1%. So this leads me to the fact that I don't worry about being late and I already met the $3,000 soon after I got the card. So I think the potential upgrades in the future vs. the late payment forgiveness isn't really worth it. 

Thanks for the comment!

[SSA_2013]

---

@armbenderc wrote:

I think you need Amex 

---

I was thinking about the Amex Blue Cash Preferred or the Citi AA Amex. I was also thinking about the US Bank Cash+  but it isn't available online and I don't have any branches anywhere near me. So that rules out that. 

[SSA_2013]

---

@SnackTrader wrote:
I appreciate the detailed response, SSA. I'm glad to see you have thought it over, and that's really what is most important. Impulsive credit decisions are the only bad ones.

How two people accomplish the same goal will frequently differ, so my attempts at financing large purchases will not likely involve the same methods you are using. But if, in the end, we both get to the same place with minimal financial impact, then it was worth it.

Good luck with any app you end up completing!

---

Thanks Snack!