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Which cards are y’all holiday shopping with?

NRB525
Super Contributor

Re: Which cards are y’all holiday shopping with?

I had an offer on my AMEX Gold card for significant cash back for spending at a jewelry chain. So DW gets sparkly diamond earrings. 

Also got a cash back offer on my PenFed Promise card so that comes out of the SD. $50 back for spending $500.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
Message 21 of 40
Goos
New Contributor

Re: Which cards are y’all holiday shopping with?

All of them ! Just kidding Rakuten Visa I shop online . It's a no brainer for me already earned 120$ in cash back through online purchases and the visa 3% back . 

Message 22 of 40
wasCB14
Super Contributor

Re: Which cards are y’all holiday shopping with?

I still have some upgrade minimum spend to meet with my BCP. I'll be downgrading an Amex Platinum to a Gold and then use that for groceries. 

Probably the 5.25% WWFCR after that. But not a lot of shopping spend in general. Holiday spend will be mostly travel.

Spend: BofA PR + WWFCR, BBP, Schwab Platinum, CFF+CF, Costco, Discover
Perks: IHG49, Hyatt75, Delta Platinum, "Old" SPG95
SD/AAoA Ballast: Arrival, CFU, DC
Upgrade/downgrade games: BCE, EDP
SUB: JetBlue, Amex Platinum
Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.
Message 23 of 40
NoHardLimits
Regular Contributor

Re: Which cards are y’all holiday shopping with?

For Amazon shopping, I will be using the Amex Business Prime card.  For other stores, I will be using Amex Old Blue Cash.  The OBC card's anniversary date recently reset, so I need to meet the minimum annual spend of $6500 to trigger the 5% cashback rewards on grocery, gas, and drugstores.

November 2021 Snapshot -

Scorecard: Clean, Thick, Mature, No New Revolver
FICO8:
VantageScore3:
Inquiries:
New Accounts: 2/24, 0/12, 0/6
AAoA: 11 years
AoOA=AoORA: 34 years
AoYA=AoYRA: 1 year


Total Credit Card Limits: $355k (includes $42k AU and $32k business)
Utilization: less than 1%

Installment Loans: none open
(all mortgages, auto loans, and student loans FINALLY paid off, though 5 closed tradelines are still reporting)
Message 24 of 40
4sallypat
Established Contributor

Re: Which cards are y’all holiday shopping with?

X1 Card (highest credit line) and 4% points till January.

Citi Costco (next highest CL) for 4% cash back.

Comenity Sportsman Guide VISA for my outdoors gifts and gift card to me.

Amex Amazon Prime Business 5% (applying next week after escrow closes)

FNBO Business 2% everything else (applying next week)

 

Message 25 of 40
ChargedUp
Senior Contributor

Re: Which cards are y’all holiday shopping with?

Max Cash MC for dept stores.

Disco for the 5% .coms

Freedom is already maxed on PayPal spend so it's taking a break.

AODFCU Visa sig for the off cat stuff.

 

AODFCU 3% Visa ($10K), Amex PRG (NPSL), Amex Blue Cash ($27K), Amex Simply Cash+ ($4K), Amex Business Cash ($22.5K), Discover ($29.7K), Cap 1 Union Plus MC ($2750), Chase FU Visa Sig ($12K), Chase F Visa Sig ($8.3K), Chase CSP Visa Sig($6.5K), FCB/Elan Rewards Visa Sig($15K), Buckle ($1.3K), BofA AAA Rewards ($84.5K), Paypal credit ($10K), BBVA Clearpoints ($7.5K), Cap 1 Savor ($13K), PenFed PCR ($5K), Bank of the West CB MC ($3K), PNC Cash Rewards ($14K), NASAFCU Rewards Visa ($20K), BOC/Elan Max Cash MC ($25K), BoA Business Customized Cash Rewards MC ($8k), Chase Amazon Visa ($35K)
Message 26 of 40
krisssmmm
Regular Contributor

Re: Which cards are y’all holiday shopping with?

AMEX EDP to hit sub and take advantage of any offers. Electronics on CSP for extended warranty. Flex and Discover if it fits rotating category. 


Message 27 of 40
NoMoreE46
Established Contributor

Re: Which cards are y’all holiday shopping with?

PenFed card b/c it’s got 0% for the next 12 months for All purchases in November. (First purchase must be > $499.99 to activate.)

Amazon Prime Store 10,000
Apple Card GS 14,000
Barclays Rewards 17,000
Cap One Savor 5,000
Cap One Venture X 30,000
Citi Custom Cash 8,000
Discover It 20,500
PenFed Plt Rewards 15,000
PNC Points 12,000
Target Redcard MC 13,000
WF Active Cash 10,000
WF Propel 21,000
Message 28 of 40
Loquat
Moderator

Re: Which cards are y’all holiday shopping with?

Using my Amex Blue Business Plus and EveryDay Preferred as much as possible. Both cards have the +4 MR/$ from referrals.

Using the BBP for 6x for all purchases where I don’t need return protection. Using my EDP for 5.5x for any purchases where I may need return protection since the BBP doesn’t have such benefit.
Message 29 of 40
CreditAggie
Super Contributor

Re: Which cards are y’all holiday shopping with?

I am currently using my Citi Custom Cash so I can hit my $300 SUB. I have also done some Amazon.com amd Target.com shopping with Disco and PayPal with CFF. BofA CCR will also be used for 3% online shopping.

Current Cards (in order of approval):


Current FICO 8 | 9:

Credit Age:

Inquiries (6/12/24 month):


Banks & CUs:

Goal Cards:



Message 30 of 40
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