3 Credit Cards for the rest of your life

[Anonymous]

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@NoHardLimits wrote:

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@Anonymous wrote:

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@NoHardLimits wrote:

I'll play, even though I will probably never hold fewer than 6 cards.

For 3 payment networks, 3 financial institutions, and at least one card with no FTF:

- Amex "old" Blue Cash (5% grocery, gas, and drugstores *)

- US Bank Altitude Reserve Visa (4.5% travel, 4.5% mobile payments, and 1.5% misc spend)

- Citi Custom Cash Mastercard (5% dining)

[* The major grocery and drugstores in my area sell many types of gift cards, so that's effectively 5% at Amazon, Home Depot, etc.]

EDIT:  I just realized that the OP wanted responses restricted to cards we already possessed.  In that case, I will go with:

Amex "old" Blue Cash (5% gas, grocery, drugstores)

Chase Freedom Visa (5% rotating categories, 3% dining)

Capital One Quicksilver Mastercard (1.5% misc spend)

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Quicksilver? But Citi DC is 2%...CO does have CDW and no FTF

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Yes, it's the no FTF feature for Quicksilver that lifts it above Double Cash for me during most years.  The past two pandemic years have been an anomaly as I have done absolutely no overseas travel.

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Citi seems to be the worst in that regard, Disco also has no FTF?

[cws-21]

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@Anonymous wrote:

@cws-21  Me too, no new applications. I have everything I need. Gardening looks good on our credit reports. I'm into that now. I think a clean report looks real pretty. And only time can put the polishing touches on it now. But I do like seeing everyone else's new cards. I get tempted for sure. But for now, I just enjoy living vicariously through everyone here on MyFICO forums.

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@Anonymous, I have a couple of things that I am considering tweaking, but I am mostly done. I also like seeing other people's new cards, especially their cash back setups, but I am not even all that tempted anymore given the shiny new cards don't really have a place in my lineup. The Wells Fargo Autograph with 3% cash back for phone plans, cell phone protection, and a no foreign transaction fee Visa did get a glance from me, but only a glance when I found out that I could not product change my Propel to it.

[Anonymous]

@cws-21  The card that keeps catching my eye is the Apple Card. Once I'm ready to add a new card, I'm pretty sure that will be the one.

[cws-21]

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@Anonymous wrote:

@cws-21  The card that keeps catching my eye is the Apple Card. Once I'm ready to add a new card, I'm pretty sure that will be the one.

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@Anonymous, I have never been interested in the Apple Card. What interests you about it?

[Anonymous]

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@cws-21 wrote:

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@Anonymous, I have never been interested in the Apple Card. What interests you about it?

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I heard the limits can go pretty high on the Apple Card. Also I love the soft pull for prequalification, and soft pull for future credit line increases. The cash back is great. And Apple is a very solid company. I feel like they will do what it takes to make this product world class.

[Anonymous]

@cws-21  And of course, no annual fee.

[Anonymous]

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@cws-21 wrote:

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@Anonymous wrote:

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@cws-21 wrote:

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@Anonymous wrote:

@cws-21 what is in your 7 card line up?

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@Anonymous, below is my seven card lineup, but it is meant entirely for cash back. I also have a Citi Double Cash that is in the sock drawer for the foreseeable future.

1. American Express Blue Cash Preferred: mostly for 6% cash back on groceries and 3% on transit, but also for Amex Offers
2. Citi Custom Cash Card: mostly for 5% cash back on dining, but also for 5% on groceries, beyond the $6,000 yearly cap on BCP if necessary, or gas, if ever my Ducks Unlimited goes away
3. First Bankcard (FNBO) Ducks Unlimited Rewards Signature Visa: mostly for 5% cash back on gas (inside convenience stores and at the pump), but also for 5% cash back on sporting goods
4. Affinity Cash Rewards Visa Signature: mostly for 5% cash back at Amazon, but also for 5% on bookstores, Hi5 rotating categories, and no foreign transaction Visa
5. Wells Fargo Propel American Express Card: mostly for cellphone protection and 3% on dining, beyond the $500 monthly cap on Custom Cash if necessary, but also for 3% on travel and My Wells Fargo Deals
6. Target RedCard Credit Card: mostly for 5% discount at Target and, hopefully, no foreign transaction fee Mastercard in the future if converted
7. AOD Visa Signature Credit Card: mostly for 3% cash back on everything else, but also for low APR and no foreign transaction Visa

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Nice Cashback line up. 

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Thanks, @Anonymous. There are some things that I would like to tweak, but I am pretty much done with my lineup until cards are nerfred or new cards become available. What's your lineup look like?

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@cws-21 

I have a 9 card line up.

1. Bank of America Customized Cash Rewards-3% cash back-Online Shopping
2. Capital One Savor-4% cash back on dining, entertainment(no af, grandfathered)
3. Citi Custom Cash-5% cash back on Grocery Stores
4. Chase Freedom Flex-5%- rotating categories, 3%-drugstores
5. Discover It-5%-rotating categories
6. Penfed Powercash Rewards-2% Cashback on everything else
7. USAA Cashback Rewards Plus-5% cash back on gas station
8. US Bank Cash +-5% Categories-TV, Internet, Streaming Services, Home Utilities
9. Wells Fargo Propel-3X points for:  rideshares, and transit, Flights, hotels, homestays, and car rentals

my 10th card is low interest rate Navy Federal platinum card I use for balance transfers.

I love my line up, its easy to manage for me and I am hoping for no nerfs in the future. 

[NoHardLimits]

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@Anonymous wrote:

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@NoHardLimits wrote:

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@Anonymous wrote:

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@NoHardLimits wrote:

I'll play, even though I will probably never hold fewer than 6 cards.

For 3 payment networks, 3 financial institutions, and at least one card with no FTF:

- Amex "old" Blue Cash (5% grocery, gas, and drugstores *)

- US Bank Altitude Reserve Visa (4.5% travel, 4.5% mobile payments, and 1.5% misc spend)

- Citi Custom Cash Mastercard (5% dining)

[* The major grocery and drugstores in my area sell many types of gift cards, so that's effectively 5% at Amazon, Home Depot, etc.]

EDIT:  I just realized that the OP wanted responses restricted to cards we already possessed.  In that case, I will go with:

Amex "old" Blue Cash (5% gas, grocery, drugstores)

Chase Freedom Visa (5% rotating categories, 3% dining)

Capital One Quicksilver Mastercard (1.5% misc spend)

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Quicksilver? But Citi DC is 2%...CO does have CDW and no FTF

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Yes, it's the no FTF feature for Quicksilver that lifts it above Double Cash for me during most years.  The past two pandemic years have been an anomaly as I have done absolutely no overseas travel.

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Citi seems to be the worst in that regard, Disco also has no FTF?

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Discover has no FTF, but worldwide acceptance is not as good as for Visa or Mastercard.

Cit Double Cash has a 3% FTF, but Citi has other card offerings (e.g. Premier) without those fees.

[blossom_rebuilding]

If I absolutely had to keep it to three:

• Discover It because of 5% rotating categories that are generally useful
• USB Altitude Go because dining and streaming bonus points
• Amex cash magnet because it's one of my oldest accounts, I love the design, and I don't mind 1.5% cash back

But I had to think about whether Amex should really get that third spot; I would also like to keep one of the Chase United cards, probably the Explorer, because miles. But ultimately, cash back, even as a statement credit, has more immediate gratification, so Amex gets the last slot.

[Anonymous]

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@blossom_rebuilding wrote:

If I absolutely had to keep it to three:

• Discover It because of 5% rotating categories that are generally useful
• USB Altitude Go because dining and streaming bonus points
• Amex cash magnet because it's one of my oldest accounts, I love the design, and I don't mind 1.5% cash back

But I had to think about whether Amex should really get that third spot; I would also like to keep one of the Chase United cards, probably the Explorer, because miles. But ultimately, cash back, even as a statement credit, has more immediate gratification, so Amex gets the last slot.

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Magnet, luv the design. Why do u have 2 United, Gateway for commuting? Explorer has primary collision insurance