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Pick 5, only 5!!

c00mtg
Valued Contributor

Pick 5, only 5!!

You ever wonder which 5 cards you would pick if given a choice? Only from cards you already have!

I would choose:

1. Lowe’s - I own a house, might need it
2. AMEX BCP - gas and groceries
3. Uber Visa - Restaurants and online
4. Delta Platinum - Annual companion
5. Venture - Highest credit line :-)



FICO 8 Scores EQ 704 / Goal 750, EX 706 / Goal 750, TU 724 / Goal 750

FICO 9 Scores EQ 726 / Goal 750, EX 683 / Goal 750, TU 726 / Goal 750
Message 1 of 46
45 REPLIES 45
WhatTickaWhat
Established Contributor

Re: Pick 5, only 5!!

Not sure i would need all 5 but..

 

1. disco- oldest card and highest personal limit cc $14k

2. WF cashwise- since it is tied as highest personal limit and rewards go to my mortgage principal

3. HD or lowes- yes might need it at anytime

4. pnc core- since it is my banker

5. toyota visa- use it at dealer for service etc

 

edit: I would like 1. spot to be my sears mc since they give me 10% statement credit ALL THE TIME!

but im sure it will end at some point with them going under.

 

any of those 5 would prob change at any day or the week, just depends on what mood im in hahaha



[Penfed Platinum Rewards 10k][BOA Cash Rewards 22k][NFCU cashRewards 33k][IHG 14.2k][BOA 15.8k][Amex BCE 6k][WellsFargo CashWise 14k][PNC Core 24.5k][SearsMC 15k][Lowes 35k][Toyota 21k][BP 10k][Home Depot 5k][Chase FU 6.6k][Discover 22.5k]
- [BOA CR $12.5k][Amex SC+ $13.5k][Amex B4B $35k][Chase Ink $68k][PNC $26.5k]
BT'oholic and OPM Lover! Chunk'n it hard and often!
Message 2 of 46
Thomas_Thumb
Senior Contributor

Re: Pick 5, only 5!!

That's pretty easy for me - I only have 5 cards Smiley LOL

1. Discover card

2. AT&T Universal (Citi) Mastercard

3. Fidelity (Elan) signature Visa

4. AMEX green charge card

5. Best Buy store card

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 3 of 46
BabyFaceNelson
Regular Contributor

Re: Pick 5, only 5!!

I don’t have 5 cards yet but I want to play!

 

-AMEX BCE (no kids so me and my gf don’t buy enough groceries to utilize the preferred)

-Uber visa

-Discover cash back

-Double cash

-Best buy

Daily Drivers: Uber Visa, BOTW World Cash Back, And Citi DC
Sock Drawer: AMEX: BCE, ED, Cash Magnet. Discover: It, Miles. Citi: Simplicity. BBVA: Clear Points.
Message 4 of 46
Peteyglad
Established Contributor

Re: Pick 5, only 5!!

5 huh? 

 

Amex Platinum - I like the lounge access and typically fly Delta. MR points for flights are good as well

Amex EDP - Great MR earning potential, especially since I hit the 30 swipes per month

Amex Delta Platinum - card gets virtually no usage other than redeeming for the free flight each year. This year it save me $600 on a flight to Rapid City, SD.

Discover It - Simply it is my oldest tradeline and I occasionally use the rotating 5% categories

Chase Marriott - I stay at Marriott a decent amount so the annual free night and Marriott points is quite nice. Also feel I would need a Visa for when Amex and Discover is not accepted.

 

 

Chase Sapphire Preferred 20k | Amex Delta Platinum 20k | Amex Hilton Aspire 20k | US Bank Cash+ 25k | Chase Amazon Prime 25k | Barclaycard Aviator Red 40k | Bank of America Alaska Airlines 42k | Chase Marriott 50k | Discover It 50.3k | Amex EDP 52k | Citi Thank You Premier 56K | Bank of America BBR 57.9k
Message 5 of 46
c00mtg
Valued Contributor

Re: Pick 5, only 5!!


@WhatTickaWhatwrote:

Not sure i would need all 5 but..

 

1. disco- oldest card and highest personal limit cc $14k

2. WF cashwise- since it is tied as highest personal limit and rewards go to my mortgage principal

3. HD or lowes- yes might need it at anytime

4. pnc core- since it is my banker

5. toyota visa- use it at dealer for service etc

 

edit: I would like 1. spot to be my sears mc since they give me 10% statement credit ALL THE TIME!

but im sure it will end at some point with them going under.

 

any of those 5 would prob change at any day or the week, just depends on what mood im in hahaha


LOL, we sure need those home improvement cards




FICO 8 Scores EQ 704 / Goal 750, EX 706 / Goal 750, TU 724 / Goal 750

FICO 9 Scores EQ 726 / Goal 750, EX 683 / Goal 750, TU 726 / Goal 750
Message 6 of 46
c00mtg
Valued Contributor

Re: Pick 5, only 5!!


@Thomas_Thumbwrote:

That's pretty easy for me - I only have 5 cards Smiley LOL

1. Discover card

2. AT&T Universal (Citi) Mastercard

3. Fidelity (Elan) signature Visa

4. AMEX green charge card

5. Best Buy store card


ok then, you win lol




FICO 8 Scores EQ 704 / Goal 750, EX 706 / Goal 750, TU 724 / Goal 750

FICO 9 Scores EQ 726 / Goal 750, EX 683 / Goal 750, TU 726 / Goal 750
Message 7 of 46
c00mtg
Valued Contributor

Re: Pick 5, only 5!!


@BabyFaceNelsonwrote:

I don’t have 5 cards yet but I want to play!

 

-AMEX BCE (no kids so me and my gf don’t buy enough groceries to utilize the preferred)

-Uber visa

-Discover cash back

-Double cash

-Best buy


Smiley LOL good selection...you dont have kids yet...




FICO 8 Scores EQ 704 / Goal 750, EX 706 / Goal 750, TU 724 / Goal 750

FICO 9 Scores EQ 726 / Goal 750, EX 683 / Goal 750, TU 726 / Goal 750
Message 8 of 46
c00mtg
Valued Contributor

Re: Pick 5, only 5!!


@Peteygladwrote:

5 huh? 

 

Amex Platinum - I like the lounge access and typically fly Delta. MR points for flights are good as well

Amex EDP - Great MR earning potential, especially since I hit the 30 swipes per month

Amex Delta Platinum - card gets virtually no usage other than redeeming for the free flight each year. This year it save me $600 on a flight to Rapid City, SD.

Discover It - Simply it is my oldest tradeline and I occasionally use the rotating 5% categories

Chase Marriott - I stay at Marriott a decent amount so the annual free night and Marriott points is quite nice. Also feel I would need a Visa for when Amex and Discover is not accepted.

 

 


Umm, a true traveler! Nice! Yes, Delta Platinum for sure, saves lots of $$!




FICO 8 Scores EQ 704 / Goal 750, EX 706 / Goal 750, TU 724 / Goal 750

FICO 9 Scores EQ 726 / Goal 750, EX 683 / Goal 750, TU 726 / Goal 750
Message 9 of 46
SteelerNYC
Valued Contributor

Re: Pick 5, only 5!!

I only have 5 . . easy!

 

PenFed Pathfinder Amex - 4x points travel

Discover - 5% rotating categories

PenFed Cash Rewards - 2% cash back on anything that isn't travel or a rotating Discover category

Navy Cash Rewards - supplemental cell phone insurance + 1.5% cash back on anything (sometimes use depending on when statements are cycling if I want maximum grace to pay for something) Also my lowest interest rate should I ever need to carry a balance and don't have a 0% offer.

Target - 5% 

Ch 7 Discharge May 2015
Discover/Target/NFCU CLOC/NFCU More Rewards Amex/NFCU Platinum/PenFed Power Cash Rewards/PenFed Pathfinder Visa/Citi Costco Visa/CapitalOne SavorOne/Apple Card - $139,100 total revolving, 21% utilization
3.25% mortgage July 2020, $20k used Auto Loan October 2020, $20k PenFed Personal Loan Dec 2020
687/683/673 EX/EQ/TU w/ 5/6/6 INQs as of Jan 2021
Spending 2021 in the Garden
Message 10 of 46
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