Which card to get?

[xaximus]

What is your spending on gas and grocery shopping? Depending on that, you can go with a few options.
Ducks Unlimited for 5% on gas.
BoA Cash Rewards for 3% category and 2% on groceries.
AmEx BCE (NO AF)/BCP ($95 AF) - 3%/6% on Groceries, 2%/3/% on gas.
You can also do a tandem of Chase Freedom and Discover IT for their 5% categories.
Also - I would get a general 2% spend card like Citi DC or Paypal 2% CB card for any other spending besides gas/groceries.

[Anonymous]

I would recommend American Express Blue Cash Preferred, my all time favorite credit card. Because it has a $95 annual fee while the Blue Cash Everyday has none, I had to weigh my decision carefully in deciding which one had more value. Ultimately, I chose the Preferred; it's worth it. 6% cash back at grocery stores, 3% at select department stores and gas stations, and 1% on everything else. You should also get the Citi Double Cash to use on non-categorial spending; 1% back on purchases and 1% on the balance you pay off, so effectively unlimited 2% cash back. It makes for a good tag team. Or you could get a Chase Freedom Unlimited, which is unlimited 1.5% cash back if you are planning on getting future Chase travel cards since you can transfer points.

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US Bank Cash+ Visa Signature $5000 | Chase Freedom $1500 | JCPenney $1500 | Bank of America Cash Rewards $2500 | Discover It Cash Back $3500 | American Express Blue Cash Preferred $6000 | Chase Freedom Unlimited $1500

[UncleB]

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@Anonymous wrote:

I would recommend American Express Blue Cash Preferred, my all time favorite credit card. Because it has a $95 annual fee while the Blue Cash Everyday has none, I had to weigh my decision carefully in deciding which one had more value. Ultimately, I chose the Preferred; it's worth it. 6% cash back at grocery stores, 3% at select department stores and gas stations, and 1% on everything else. You should also get the Citi Double Cash to use on non-categorial spending; 1% back on purchases and 1% on the balance you pay off, so effectively unlimited 2% cash back. It makes for a good tag team. Or you could get a Chase Freedom Unlimited, which is unlimited 1.5% cash back if you are planning on getting future Chase travel cards since you can transfer points.

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US Bank Cash+ Visa Signature $5000 | Chase Freedom $1500 | JCPenney $1500 | Bank of America Cash Rewards $2500 | Discover It Cash Back $3500 | American Express Blue Cash Preferred $6000 | Chase Freedom Unlimited $1500

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Just a quick reminder that the BCP no longer has 3% at department stores for new applicants, although they haven't nerfed it yet for existing members.

https://ficoforums.myfico.com/t5/Credit-Cards/Amex-Blue-Cash-Preferred-no-longer-offering-3-cash-back-at/td-p/5404407

[Anonymous]

Thank you everyone the replies.

Here is a little more background:
My fiancé and I have just brought our newborn baby home, so on top of what we spent prior to her being born, it is about to increase dramatically.

Since I do not know what a month of spending will be like just yet, I can use averages from before and assume that they’ll go up (just in the grocery store aspect)
Gas- 400/month
Groceries- 280/month (this is an average) mostly at target and Walmart

My cards are as follows-
Wells Fargo Platinum: 0 balance, 7000 limit “Rewards” card from my local Credit union- 0 balance, 5500 limit
Kohl’s - 0 balance, 800 limit
Tractor Supply- 0 balance, 4250 limit
Citi simplicity- 2900 balance, 6100 limit
Zales card- 0 balance, 4000 limit
Best Buy- 850 balance, 2000 limit
Mattress firm- 0 balance, 5500 limit
Genesis credit (from mattress 1)- 0 balance, 2000 limit
Chevron card- 0 balance, 2200 limit
bp card- 0 balance, 500 limit
Rooms to go- 1050 balance, 6500 limit
Synchrony home (used to be hhgregg)- 0 balance, 2500 limit

I just did a balance transfer to citi, so I am no longer paying interest on that balance and everything else has a promotional apr of 0 so I am just using the opportunity to make those larger purchases.

FWIW, I do bank with Chase. I just recently moved to them, if that makes any difference

[Anonymous]

A banking relationship with Chase will definitely improve your chances at getting approved for a Chase card at all credit levels.

[xaximus]

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@Anonymous wrote:
Thank you everyone the replies.

Here is a little more background:
My fiancé and I have just brought our newborn baby home, so on top of what we spent prior to her being born, it is about to increase dramatically.

Since I do not know what a month of spending will be like just yet, I can use averages from before and assume that they’ll go up (just in the grocery store aspect)
Gas- 400/month
Groceries- 280/month (this is an average) mostly at target and Walmart

My cards are as follows-
Wells Fargo Platinum: 0 balance, 7000 limit “Rewards” card from my local Credit union- 0 balance, 5500 limit
Kohl’s - 0 balance, 800 limit
Tractor Supply- 0 balance, 4250 limit
Citi simplicity- 2900 balance, 6100 limit
Zales card- 0 balance, 4000 limit
Best Buy- 850 balance, 2000 limit
Mattress firm- 0 balance, 5500 limit
Genesis credit (from mattress 1)- 0 balance, 2000 limit
Chevron card- 0 balance, 2200 limit
bp card- 0 balance, 500 limit
Rooms to go- 1050 balance, 6500 limit
Synchrony home (used to be hhgregg)- 0 balance, 2500 limit

I just did a balance transfer to citi, so I am no longer paying interest on that balance and everything else has a promotional apr of 0 so I am just using the opportunity to make those larger purchases.

FWIW, I do bank with Chase. I just recently moved to them, if that makes any difference

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Just to give you some food for thought - If your purchases are at Target and Walmart, your best bet is to get the Target Redcard and then use a 2% CB card for Walmart. Since your grocery purchases are not from stores that code as grocery, there would be no point in getting those cards.

As for Gas - at $400 a month on gas - I would definitely recommend getting the Ducks Unlimited Gas card - 5% CB on gas.