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Pick 5, only 5!!

sarge12
Senior Contributor

Re: Pick 5, only 5!!

OK...I'll play

1) Vital FCU Visa...4.99% interest...my sister uses it and pays it.

2) Chase Amazon Prime Visa....5% cash back at amazon

3) American Express Blue Cash Preferred....6% cash back on groceries

4) State Farm Visa Signature.....3% on insurance, my highest limit card

5) Discover It....mainly for the fact that I get TU credit score and Discover provides everyone free EX score.

Fortunately I don't have to only have 5, because I would like to keep my Citi double cash and Capital One QS cards also.

 

The rest, I could easily see chucking...especially TD bank and Barclaycard...Wells Fargo could go also

TU fico08=842 07/29/21
EX fico08=826 07/28/21
EQ fico09=811 08/01/21
EX fico09=824 07/15/21
EQ fico bankcard08=862 07/15/21
TU Fico Bankcard 08=879 07/15/21
EQ NG1 fico=802 04/17/21
EQ Resilience index score=58 03/09/21
Unknown score from EX=784 used by Cap1 07/10/20
Message 41 of 46
OmarR
Established Contributor

Re: Pick 5, only 5!!


@KELSTAR wrote:

 

CITI COSTCO VISA=6.5K EXECUTIVE MEMBERSHIP= 6% cash back on gas at Costco. 5% cash back on travel booked through Costco. 4% cash back on anything else bought through Costco but mostly groceries. 3% cash back on restaurants. All the deals with the cash back on practically anything. I think it's the most well rounded card on the planet. 


Are you adding 2% to your gas purchases because of your executive membership? Since you don't get the 2% from the executive membership at the gas pump, it's only 4%. At least in the U.S.

 

Unless you have found a work-around, which I would be interested to hear.

    EQ=850        TU=839         EX=839      INQ=0/0/0     UTIL=$1        AZEO


Message 42 of 46
Llewelyn
Regular Contributor

Re: Pick 5, only 5!!

My five cards with the most spend:

 

American Express Blue Cash Preferred   : 6% groceries , $95 Annual Fee

Citi Double Cash                                          :  2%  on everything,  Price Rewind,

Barclay Uber                                                 : 4% Restaurants, 3% Travel, $50 Digital Subscription Credit

US Bank Cash+                                            : 5% Utilites, 5%  Cell Phones  

Capital One Buy Power Card                    : 5% first $5000 of everything, 2% afterwards.   

 

Message 43 of 46
KELSTAR
Regular Contributor

Re: Pick 5, only 5!!

I was adding that 2%. I thought it would equal 6% at Costco pumps. If not, I have the Penfed platinum rewards for 5%.

Signature as of 6/01/21. Clean file. MYFICO 3B. I live in Green Bay, Wisconsin for those tracking what credit bureau is pulled by location.
FICO 8 EQ=785 TU=796 EX=790
FICO 9 EQ=816 TU=816 EX=813
MORTGAGE SCORES EQ=773 TU=782 EX=773
AAoA=4Y4M AoOA=11Y4M AoYA=1M
VANTAGE SCORES EQ=825 TU=813 EX=813
BUSINESS CREDIT SCORES. Formed LLC 6/1/18.
EXPERIAN BUSINESS CREDIT SCORE=77 EXPERIAN FINANCIAL STABILITY RISK RATING=1 SMALL BUSINESS SCORE SERVICE SCORE=210
HARD PULLS last 12 months EQ=2 TU=3 EX=3 Three new accounts reporting.
HARD PULLS last 24 months EQ=2 TU=4 EX=5 Four new accounts reporting.
INCOME=$290k as of 05/01/20 for income stated on applications. DTI=2.5% Business sales 200k monthly.
MAIN BUSINESS and PERSONAL BANKING=CHASE
MORTGAGE=None
INSTALLMENT LOAN. Vehicle loan opened 08/18. Zero down. 45K at 0% for 60 months LINCOLN FINANCE.

OPEN PERSONAL ACCOUNTS/OPEN DATE
DISCOVER=34k 10/17 CITI BEST BUY VISA=4k 11/17 CAP1 GMC MC=4K 12/17 CITI COSTCO VISA=14.5k 06/18 US BANK CASH+=7k 06/18 PENFED PLATINUM REWARDS=10k 07/18 CHASE FREEDOM=10k 07/19 CHASE SAPPHIRE RESERVE=14.1k 09/20 AMEX PLATINUM= NPSL 04/21 AMEX HILTON SURPASS=10k 05/21

OPEN BUSINESS ACCOUNTS/OPEN DATE
CHASE INK CASH=10k 07/18 AMEX MARRIOT BONVOY=10k 02/19 CHASE INK UNLIMITED=10k 09/19 US BANK BUSINESS CASH=29k 10/19 WELLS FARGO BUSINESS PLATINUM=20k 11/19 AMEX LOWES BUSINESS=15k 11/19 AMEX BLUE BUSINESS PLUS=35k 02/20 CHASE INK PREFERRED=50k 07/20 AMEX BUSINESS GOLD=NPSL 09/20 AMEX BUSINESS PLATINUM=NPSL 05/21 QUICKEN BUSINESS LOAN=100k@6.8% for 12M 03/21
Message 44 of 46
Steemax
New Contributor

Re: Pick 5, only 5!!

I guess I'll play...

 

- Amex PRG (Daily Driver)

- Chase Amazon Prime 

- Capital One QS (want to replace with a 2% card)

- Bestbuy

- Wells Fargo Visa Sig (highest CL)

Message 45 of 46
OmarR
Established Contributor

Re: Pick 5, only 5!!


@KELSTAR wrote:

I was adding that 2%. I thought it would equal 6% at Costco pumps. If not, I have the Penfed platinum rewards for 5%.


You don't get the 2% CB executive on:

gasoline

cigarettes

cash cards

stamps

foodcourt (since they don't scan your membership card)

alcohol in certain states.

 

So if you normally carry your Penfed card, I would use that instead if the additional 1% matters to you.

    EQ=850        TU=839         EX=839      INQ=0/0/0     UTIL=$1        AZEO


Message 46 of 46
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