Which cash rewards card based on my info?

[medcinmn]

I have been using a Discover but recently realized it's 0.25% cashback until you've spend $3000, then it increases to 1%.  I have 719 score on EQ and 741 EX w/ 20% utilization, decreasing every month.

I've thought of the Costco AMEX as I buy my gas there and they give 3%.  Chase Sapphire looks good too, but $95/yr.

Thoughts?

[juggalo9er]

i would suggest the one with no af, that way you will not feel compelled to spent money to cover the af. should have added i stick with barclay for utility, gas, and groceries. it depends more on your personal profile though

[longtime_lurker]

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@medcinmn wrote:

I have been using a Discover but recently realized it's 0.25% cashback until you've spend $3000, then it increases to 1%.  I have 719 score on EQ and 741 EX w/ 20% utilization, decreasing every month.

I've thought of the Costco AMEX as I buy my gas there and they give 3%.  Chase Sapphire looks good too, but $95/yr.

Thoughts?

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What's your annual spend on things like groceries/online shopping/etc? What about your credit profile? We need a little more info to help you

[longtime_lurker]

Based on what you've told me so far, I'd recommend BCP if you can justify the AF

[Creditaddict]

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@medcinmn wrote:

I have been using a Discover but recently realized it's 0.25% cashback until you've spend $3000, then it increases to 1%.  I have 719 score on EQ and 741 EX w/ 20% utilization, decreasing every month.

I've thought of the Costco AMEX as I buy my gas there and they give 3%.  Chase Sapphire looks good too, but $95/yr.

Thoughts?

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Do you have Discover More? you can PC to the new Discover it just by calling and that would get you the standard 1% and the rotating Categories.

The Costco Amex is great for dining and gas

[JediNeo]

Welcome to the forum. I have the Costco AMEX TE card and get 3% on gas from places other than Costco. Just have to make sure their merchant code is gas. In not sure how to check the merchant code though.

[longtimelurker]

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@longtime_lurker wrote:

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@medcinmn wrote:

I have been using a Discover but recently realized it's 0.25% cashback until you've spend $3000, then it increases to 1%.  I have 719 score on EQ and 741 EX w/ 20% utilization, decreasing every month.

I've thought of the Costco AMEX as I buy my gas there and they give 3%.  Chase Sapphire looks good too, but $95/yr.

Thoughts?

---

What's your annual spend on things like groceries/online shopping/etc? What about your credit profile? We need a little more info to help you

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Off-topic Public Service Announcement.  Despite the somewhat similar names, longtime_lurker and longtimelurker are different people.  Just in case.....

[JediNeo]

Forgot to mention you need to keep your Costco membership active if you get that card.

[longtime_lurker]

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@longtimelurker wrote:

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@longtime_lurker wrote:

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@medcinmn wrote:

I have been using a Discover but recently realized it's 0.25% cashback until you've spend $3000, then it increases to 1%.  I have 719 score on EQ and 741 EX w/ 20% utilization, decreasing every month.

I've thought of the Costco AMEX as I buy my gas there and they give 3%.  Chase Sapphire looks good too, but $95/yr.

Thoughts?

---

What's your annual spend on things like groceries/online shopping/etc? What about your credit profile? We need a little more info to help you

---

Off-topic Public Service Announcement.  Despite the somewhat similar names, longtime_lurker and longtimelurker are different people.  Just in case.....

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Hahaha Hi, nice to meet you.

[medcinmn]

Thanks for the replies.  As far as profile, only negatives I have are a 30 day late 2+ years ago (Sears, 0 balance now) and a 4+ year old collection (paid) from a medical bill.