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What cards are in your lineup for 2015? Which have you benched? Who are you cutting?
Starting Lineup
1. Chase freedom ( rotating category)
2. Sallie Mae (grocery, gas, amazon)
3. BofA cash rewards with preferred( gas, grocery)
4. BofA travel rewards with preferred(everyday spend)
5. Chase IHG (hotel)
Bench
1. Amex everyday
2. US airways
3. Barclay's rewards MasterCard
4. Alaska air visa Sig business
6. Citi double cash
7. Walmart cc
8. Lowe's
9. Penfed promise
10. Lake Michigan prime platinum.
Cut
1. Amex BCP
2. Amex PRG
3. Amex BRG
4. Amex SPG
5. Chase CSP
6. Arrival +
7. Home depot cc
No plans for any new cards; just hope to stay under the radar with all the new CL I have added over the past 18 mos; will probably be cutting some Cap1 cards when AF comes due; not cutting any others unless they CLD me.......worked too hard to get'em
Going to keep it simple this year. Plan on apping for SM and potentially Arrival + (if I have a flight planned) in the second half of 2015, we'll see.
Wallet:
-Amex BCP (Gas, Groceries, Dept Stores)
-Citi DC (everything else)
Bench:
-All others
-Did carry Amazon Visa and PNC Cashbuilder (1.5% cashback) in 2014
BCP
Dbl Cash
Freedom
BCE soon, wife got a targetted offer for $200 + free Prime last week.
Currently just have my EDP, Plat, and one non-AmEx card in my wallet. We'll see about the Plat after I meet the spend requirement for bonus MR
Wallet
NFCU cashRewards - ED card
Chase Marriott - Met 2k spend bonus, use it for dining occassionaly since I don't have a dining card yet, AARP is on my shortlist
Chase Freedom - Rotating categories, no APR on it for a while
NFCU goRewards - had a 2k spending bonus I just met, moving to bench soon
Best Buy card - just in case I need a spontaneous purchase at BBY
Bench
Capital One Plat (will try to get rewards added on by EO)
Capital One QS1 (will try to get AF waived this year or hopefully permanentely, probably closing one of these)
Overstock (use it as needed with OS, was happy I got a SCT to work lol)
Cut
I cut a bunch of cards in late 2014 (AAFES Star Card, Merrick, NFCU nRewards (secured)
Leaning toward cutting the QS1 if I can get the Cap1 Plat PCed into QS1, since QS1 has a lot lower limit and an AF. It does has a lower APR than the Plat but I always PIF now...
Oz
Lineup
1. Chase Marriott (It looks cool)
2. Sallie Mae (grocery, gas, amazon)
3. Citi DoubleCash (Misc.)
4. Capital One Quicksilver (Misc. DoubleCash Limit too low)
Bench
Everything else
In wallet;
Chase CSP
Chase Freedom
Chase Marriott Rewards (when it arrives)
Citi DC
Amex BCE
Discover IT
Cards that I do not carry;
PayPal Extras MC
Chase Amazon Rewards
NASAFCU Visa Platinum
Barclay Sallie Mae World MC
US Bank 123 Rewards
Small re-occuring charges on Paypal MC / Chase Amazon / US Bank / NASAFCU. Wife carries Sallie Mae and uses at grocery, but annoyed with pathetic small cap.
If I were going to close any cards, it would be the following;
PayPal Extras MC (5k CL)
NASAFCU Visa (30k CL)
Chase Amazon (1.5k CL)
Barclay Sallie Mae MC (5k)
US Bank 123 Rewards (5k)
However, I will just keep doing what I am doing to pad my file. The NASAFCU is good for utilization, but I only let one card report so there is really no need for the utilization help.
Future plans is to PC BCE to BCP and use exclusevly at grocery store - I will then put Sallie Mae in SD and use only for Amazon.com purchases. May close Amazon.com Rewards as well. US Bank 123 Rewars is worthless to me, but I keep just to have relationship with US Bank.
Currently carrying:
CSP
Sallie Mae
Delta SkyMiles
UNFCU Azure
Fidelity Amex