Which card to I pair with my Zync?

[smc733]

Which of the following would be the best to pair with Zync as my "non-Amex" spending card?  Any thoughts?

Chase Freedom - $3,000/22.9%

Citi Dividend World M/C - $6,000/14.24%

BofA Worldpoints Visa - $3,500/10.99%

[Walt_K]

I like trying to concentrate all of my rewards in the same category.  But I don't think you can do that with any of those cards.  I'd consider getting an airline miles card that you could combine with your MR Express points if you ever added a full MR card and upgraded those express points.

[smc733]

I never fly/travel.

[Anonymous]

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@smc733 wrote:

Which of the following would be the best to pair with Zync as my "non-Amex" spending card?  Any thoughts?

Chase Freedom - $3,000/22.9%

Citi Dividend World M/C - $6,000/14.24%

BofA Worldpoints Visa - $3,500/10.99%

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Do you have a chase checking account? If you do, you receive 1 point per dollar, 10 points per purchase, and then 10% of the amount you spend per month in bonus points. And then you have the quarterly bonus categories where you receive 5 points per dollar instead of 1 in specific categories. I made $400 last year, and so did hubby. I love my freedom cc! 

[Red1Blue]

I use my penfed visa card with my amex.

[trumpet-205]

If you never travel, this could be a problem. As MR Express points are only worth 1% when redeeming into specific giftcards. You can also use MR points on Amazon, which is about 0.7%.

[aamex]

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@smc733 wrote:

Which of the following would be the best to pair with Zync as my "non-Amex" spending card?  Any thoughts?

Chase Freedom - $3,000/22.9% Rotational 

Citi Dividend World M/C - $6,000/14.24% Rotational/Low Interest

BofA Worldpoints Visa - $3,500/10.99% Low Interest

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My .02 cent, just from seeing your portfolio would be you need two cards instead of one to put with zync. Since Zync is earns points and has warrany protection, etc. You'd want to pair it was cash back. My first choice would be Citi because it has low interest, rotational, and highest limit. However, I've had some rare instances when Mastercard isn't accepted and American Express is sometimes hit or miss depending on who wants to pay the merchant fees. In that case you'd want BOA as a back-up.

Zync + Dividend + BOA (just in case).

[Open123]

I'd use the Chase for the rotating cash back rewards.

In my estimation, having two reward points programs is redundant, especially since the B of A one isn't very good when compared to Amex's when you upgrade to full MR.