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credit card management

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Anonymous
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credit card management

So as of now I have 5 credit card, I am trying to figure out how to use them on what situation to maximize my benfits. 

 

Amex PRG  3% flight, 2% gas / Dining  2% supermarket (not including Costco / Walmart, or other super stores)

Amex Everyday $1000 2% Supermarket (Not including super stores)

Citi student forward $1300 1% reward 

Wells Fargo student $800  1% reward

AmazonStore $800 5% reward 

 

I am trying to build my reward points on Amex, for future usage is my main goal. But I am trying to figure out when and where I would use the cards at, and this is what I have figured out so far. 

 

Main cards for places that accepts Amex

Amex Everyday for Everything besides Flight / Gas / Dining, will use for super stores such as 1x walmart and 1x costco, or Homedepot, personal shopping

Amex PRG for 3x Flight / 2x Gas / 2x Dining only

 

Side cards for anywhere that does not accept Amex. 

Citi / Wells fargo for anywhere that does not accept American Express. 

 

*2ndary option*

(How ever I been thinking about opening Thank you preferred to maximize the points 2x Dining / 2x Entertainment for movies, amusement parks, museums, aquarium, and zoo)

(I dont think I will be accepted for this card lol, I opened up 3 credit card within this week, Gold, PRG, and Everyday, however I mistakenly opened Gold instead of PRG so I had to cancel, and was recently denied for Freedom card...but I been with citibank since 2012..? so maybe I can ?)

 

Amazon:

Amazon store card

 

How does it look? any advice or changes I should make to this plan ? 

Also any other card you might recommend besies Citi Thankyou Preferred ? I am looking for non annual card, since I already have PRG

 

 

 

 

 

 

 

 

Message 1 of 4
3 REPLIES 3
Anonymous
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Re: credit card management

I think you've got it down (although I would not open a new card at this point).

 

Basically, it's Amazon for Amazon (the 5% is too good pass up) and Amex (as you divided it) for everything else that will take Amex.

 

Congrats on the new cards!

Message 2 of 4
Anonymous
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Re: credit card management

Thank you Smiley Very Happy very happy to get it Smiley Happy

Message 3 of 4
Anonymous
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Re: credit card management

so yeah, i wont be opening more credit cards, for a long time, any other opinions on this plan i squeezed out lol

Message 4 of 4
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