Why get a [PNC Cash Rewards] Gas CC when you have Discover it and Freedom Flex?

[gdale6]

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@longtimelurker wrote:

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@gdale6 wrote:

Disco & FF usually only offer it for one quarter of the year (these are rotating 5% category cards) when others offer it all year round.

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Right, but the point was to buy gift cards to use other quarters.   Obviously if you are already hitting the cap, this won't work

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I never buy gift cards too much of a head ache.

[Mr_Mojo_Risin]

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@Anonymous wrote:

I suspect for some/many, and speaking for myself, simplicity rules. It's much simpler to pay for my gas on a credit card and be done with it. It's not convenient for me to keep track of gift cards, drive to a gas station I have a gift card for, etc. If I lose out on 1% CB, it's a fair trade off, to me, for simplicity. 

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I fall under the simplicity aspect as well. Your post is perfectly said for me. 👌

[Stralem]

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@Anonymous wrote:

I suspect for some/many, and speaking for myself, simplicity rules. It's much simpler to pay for my gas on a credit card and be done with it. It's not convenient for me to keep track of gift cards, drive to a gas station I have a gift card for, etc. If I lose out on 1% CB, it's a fair trade off, to me, for simplicity. 

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This full stop.

I'm not going to go out of my way to stock up on gift cards just to make 1% more than I usually get year round. Too much hassle for not a lot of gain.

[FormerCollegeDJ]

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@Stralem wrote:

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@Anonymous wrote:

I suspect for some/many, and speaking for myself, simplicity rules. It's much simpler to pay for my gas on a credit card and be done with it. It's not convenient for me to keep track of gift cards, drive to a gas station I have a gift card for, etc. If I lose out on 1% CB, it's a fair trade off, to me, for simplicity. 

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This full stop.

I'm not going to go out of my way to stock up on gift cards just to make 1% more than I usually get year round. Too much hassle for not a lot of gain.

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Yeah, it isn't like grocery stores where most people probably only go to 1-2 chains regularly or even restaurants where many people have favorites; with gas stations I think most people go to whatever gas station is convenient when they need gas, which could one of 6-8 gas station chains.

[Beast26]

Right now it's convenient for me because I pass the BP that I use gift cards at when I leave work on the way home.  On the other hand When I get most of my goal cards I may end up getting the Abound CU Platinum Visa so I won't have to wait in suspense about what categories chase will have for the year.  Atleast Discover give them all out at once.  At some point I will simplify it and get a gas card.  You guys make a good point it is more simple to get a gas card than to buy gift cards.  I think I will do the gift card thing for another year which in that time I will have all my other goal cards then I will apply for the Abound 5% card.  First I must get the Elan Max Cash because I am also stuck managing a bunch of fast food gift cards which really is a headache.

[ChargedUp]

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@gdale6 wrote:

Disco & FF usually only offer it for one quarter of the year (these are rotating 5% category cards) when others offer it all year round.

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This is me right here... Not to mention the 4% on PNC is capped at $8K in spend (along with the other bonus categories if you're using PNC at restaurants and grocery.) I'm using Discover for 5% and when I cap that out I'll use up the Freedom 5% while giving PNC a break. Evidently I've already run over $3K in gas through that card this year. (In California, it's *very* easy to max out fuel spend categories )

[creditfan]

get Cash+ from USB to buy gas giftcard from bestbuy to cover other months all year round

[Beast26]

I never knew this strategy thanks for the info!  I will use it when I get the Elan Max Cash this year.  Didn't know bestbuy.com would sell gas cards.