Which Card to use?

[Kinglord]

Ok all, I have a number of different cards, some of which I use for very specific purchases.  Can anyone share resources that can povide the best choic of card to use in a certain scenario?  I think my most important question, what is the best card to use for my monthly bills, including Rent.  Has anyone used Plastiq to pay their rent?  I am currently going to push most to my new AMEX Plat to secure my signup bonus, but here is where I am now.  Current cards are in signature as well.  

Costco/Gas - CITI Costco

Grocery Stores/Streaming services - AMEX BCP

Rotating 5% Back - Discover

Amazon - AMEX Business Prime 5% back

[Drifter73]

Costco/Gas - CITI Costco

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I noticed you selected Costco for gas. Which is a 4%cb gas card, but restricted to ONLY Costco pumps.

(Correction - costco = 4%cb worldwide up to $7k per yr.)

I was actually researching gas cards last night and the best one I found so far is the newest offer from SamsClub, which is offering 5%cb up to $6k each year at any gas station that accepts Mastercard. So, it's not restricted to club locations with long lines like Costco's is.

Unfortunately I can't offer advice on rent because my situation is unique being a full time RVer. I pay monthly at RV parks to park my 2021 alpha wolf bunkhouse travel trailer and can use any cb card that covers anything with no restrictions or has cb for campgrounds/travel. It allows me to save $15 to $35 per mo. On rent. Campgrounds in my current area are between $300 and $550 per month, which includes water, wifi, Sewage, cable, spot to park, fishing pond, pool, jacuzzi, and more. Electric is billed separately at 14c per kwh.

[arunkumarmm]

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@Kinglord wrote:

Ok all, I have a number of different cards, some of which I use for very specific purchases.  Can anyone share resources that can povide the best choic of card to use in a certain scenario?  I think my most important question, what is the best card to use for my monthly bills, including Rent.  Has anyone used Plastiq to pay their rent?  I am currently going to push most to my new AMEX Plat to secure my signup bonus, but here is where I am now.  Current cards are in signature as well.  

Costco/Gas - CITI Costco

Grocery Stores/Streaming services - AMEX BCP

Rotating 5% Back - Discover

Amazon - AMEX Business Prime 5% back

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Utilities - USBank Cash+ and/or Elan MCP

I been using My/DW's BoA CCR with 3% category set to online shopping for paying my Rent and it was getting 3%

[dragontears]

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@Drifter73 wrote:

Costco/Gas - CITI Costco

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I noticed you selected Costco for gas. Which is a 4%cb gas card, but restricted to ONLY Costco pumps.

I was actually researching gas cards last night and the best one I found so far is the newest offer from SamsClub, which is offering 5%cb up to $6k each year at any gas station that accepts Mastercard. So, it's not restricted to club locations with long lines like Costco's is.

Unfortunately I can't offer advice on rent because my situation is unique being a full time RVer. I pay monthly at RV parks to park my 2021 alpha wolf bunkhouse travel trailer and can use any cb card that covers anything with no restrictions or has cb for campgrounds/travel. It allows me to save $15 to $35 per mo. On rent. Campgrounds in my current area are between $300 and $550 per month, which includes water, wifi, Sewage, cable, spot to park, fishing pond, pool, jacuzzi, and more. Electric is billed separately at 14c per kwh.

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When did Costco Visa change? 2 years ago it was 4% on gas at any gas station? 

[Gunnerboy]

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@dragontears wrote:

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@Drifter73 wrote:

Costco/Gas - CITI Costco

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I noticed you selected Costco for gas. Which is a 4%cb gas card, but restricted to ONLY Costco pumps.

I was actually researching gas cards last night and the best one I found so far is the newest offer from SamsClub, which is offering 5%cb up to $6k each year at any gas station that accepts Mastercard. So, it's not restricted to club locations with long lines like Costco's is.

Unfortunately I can't offer advice on rent because my situation is unique being a full time RVer. I pay monthly at RV parks to park my 2021 alpha wolf bunkhouse travel trailer and can use any cb card that covers anything with no restrictions or has cb for campgrounds/travel. It allows me to save $15 to $35 per mo. On rent. Campgrounds in my current area are between $300 and $550 per month, which includes water, wifi, Sewage, cable, spot to park, fishing pond, pool, jacuzzi, and more. Electric is billed separately at 14c per kwh.

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When did Costco Visa change? 2 years ago it was 4% on gas at any gas station? 

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It hasn't.  All pumps that code as "gas station" will earn 4%.

[Drifter73]

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@dragontears wrote:

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@Drifter73 wrote:

Costco/Gas - CITI Costco

---

I noticed you selected Costco for gas. Which is a 4%cb gas card, but restricted to ONLY Costco pumps.

I was actually researching gas cards last night and the best one I found so far is the newest offer from SamsClub, which is offering 5%cb up to $6k each year at any gas station that accepts Mastercard. So, it's not restricted to club locations with long lines like Costco's is.

Unfortunately I can't offer advice on rent because my situation is unique being a full time RVer. I pay monthly at RV parks to park my 2021 alpha wolf bunkhouse travel trailer and can use any cb card that covers anything with no restrictions or has cb for campgrounds/travel. It allows me to save $15 to $35 per mo. On rent. Campgrounds in my current area are between $300 and $550 per month, which includes water, wifi, Sewage, cable, spot to park, fishing pond, pool, jacuzzi, and more. Electric is billed separately at 14c per kwh.

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When did Costco Visa change? 2 years ago it was 4% on gas at any gas station? 

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Just rechecked, you're right, 4%cb worldwide up to $7k per yr. 

The samsclub 5% anywhere for gas still seems like the better gas deal even at a $6k per year cap.

References:

Costco: https://www.citi.com/credit-cards/citi-costco-anywhere-visa-credit-card

SamsClub: https://www.samsclub.com/content/credit

[GApeachy]

OP, not sure if you'd want to apply for a new tl but this may be a good route to avoid fees.  

Use the Bilt Credit Card to Pay Your Rent With No Fees

"If you decide you want to pay your rent with a credit card, one smart option could be the new Bilt Mastercard. This card allows you to pay rent without incurring a transaction fee and also earn one reward point per dollar on those transactions. It also offers two points on travel spending, three points on dining and one point on all other transactions. Among the ways Bilt Points can be redeemed is toward rent payments. Plus, the card charges no annual fee.

You have a couple of ways to use the Bilt card to pay your rent. First, you can have your landlord charge your card directly each month. If your landlord doesn't accept card payments, you can pay through the Bilt app and the company will send a check on your behalf. Keep in mind that the Bilt Mastercard is currently only available by invite."

Also, Sam's Club MC earns 5% cb on gas at any pump up where MC is accepted up to $6k/year.

"5% back on gas.**(on the first $6,000 per year, then 1% after)

[Hoben02]

I use the app CardPointers to guide me which card to use

[wasCB14]

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@GApeachy wrote:

OP, not sure if you'd want to apply for a new tl but this may be a good route to avoid fees.  

Use the Bilt Credit Card to Pay Your Rent With No Fees

"If you decide you want to pay your rent with a credit card, one smart option could be the new Bilt Mastercard. This card allows you to pay rent without incurring a transaction fee and also earn one reward point per dollar on those transactions. It also offers two points on travel spending, three points on dining and one point on all other transactions. Among the ways Bilt Points can be redeemed is toward rent payments. Plus, the card charges no annual fee.

You have a couple of ways to use the Bilt card to pay your rent. First, you can have your landlord charge your card directly each month. If your landlord doesn't accept card payments, you can pay through the Bilt app and the company will send a check on your behalf. Keep in mind that the Bilt Mastercard is currently only available by invite."

Also, Sam's Club MC earns 5% cb on gas at any pump up where MC is accepted up to $6k/year.

"5% back on gas.**(on the first $6,000 per year, then 1% after)

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An interesting idea. I wonder if renting from one of the participating corporate partners is a requirement for an invitation?

As the accountant for my family's rental business, I'd be happy to accept a payment check from an app. USPS does occasionally misdeliver things, though. A lot of our tenants prefer to deposit payments directly into a drop box so they know it won't get lost.

We don't take cards or electronic payments yet, but may eventually. Some tenants only recently stopped paying in cash, and we don't have the scale to justify too much complexity.

[EAJuggalo]

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@wasCB14 wrote:

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@GApeachy wrote:

OP, not sure if you'd want to apply for a new tl but this may be a good route to avoid fees.  

Use the Bilt Credit Card to Pay Your Rent With No Fees

"If you decide you want to pay your rent with a credit card, one smart option could be the new Bilt Mastercard. This card allows you to pay rent without incurring a transaction fee and also earn one reward point per dollar on those transactions. It also offers two points on travel spending, three points on dining and one point on all other transactions. Among the ways Bilt Points can be redeemed is toward rent payments. Plus, the card charges no annual fee.

You have a couple of ways to use the Bilt card to pay your rent. First, you can have your landlord charge your card directly each month. If your landlord doesn't accept card payments, you can pay through the Bilt app and the company will send a check on your behalf. Keep in mind that the Bilt Mastercard is currently only available by invite."

Also, Sam's Club MC earns 5% cb on gas at any pump up where MC is accepted up to $6k/year.

"5% back on gas.**(on the first $6,000 per year, then 1% after)

---

An interesting idea. I wonder if renting from one of the participating corporate partners is a requirement for an invitation?

As the accountant for my family's rental business, I'd be happy to accept a payment check from an app. USPS does occasionally misdeliver things, though. A lot of our tenants prefer to deposit payments directly into a drop box so they know it won't get lost.

We don't take cards or electronic payments yet, but may eventually. Some tenants only recently stopped paying in cash, and we don't have the scale to justify too much complexity.

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Renting from a corporate partner is not a requirement to get a Bilt card.  If you follow @kerrpoints on any of the socials, he is the Director of Loyalty I believe his title is.  There are numerous offers out there to jump the waitlist.  Were it not for the fact I'm buying a house in a couple months I would be all over this card.  They claim to mail out the checks early enough that if it gets lost they have enough time to overnight one before it would be late.