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3 Credit Cards for the rest of your life

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jetsfan2013
Frequent Contributor

3 Credit Cards for the rest of your life

If you had to choose and use only 3 credit cards you currently own for the rest of time, what 3 would you select and why?

 

I will kick this off:

 

Amex Platinum - the travel perks fit my life 

Blue Cash Every Day - No AF gas and groceries

NFCU Visa - My largest limit and have had opened the longest (35K - 8 years and running)

Ch 13 Filed - October 2023
Last Payment - September 2028
Discharge - November 2028?
FICO 8 Scores as of May 2024
EQ 650 EX 625 TU 613
Message 1 of 47
46 REPLIES 46
RSX
Valued Contributor

Re: 3 Credit Cards for the rest of your life

Chase United  - all food and travel on this one

Amex BCP - gas - large purchases

Apple GS - all apple purchases and ApplePay 

 

Dec 16/2019. EX. 721. EQ. 723. TU 746
Jan 25/2024 EX. 774 EQ. 751 TU 758
Inq. EX 2 EQ 3 TU 6 - - CC 2x24, 0x12
Amex BCP $35k - Apple GS $21k - BMW/Elan $19k - Cap1 QS $16.7k - Chase Amazon $13.6k - Chase Bonvoy Bountiful $10k - Chase United Club Infinite $26k - Citi CustomCash $3k - Citi DC $14.5k - CreditUnion1 $9k - DiscoverIT $31.5k - PayBoo - $15.6k - Penfed Gold - $19.3k - USB AltitudeGO -$19k- USBank Cash+ -$25k - PenFed LOC - $20k - USB LOC - $15k
Message 2 of 47
ptatohed
Senior Contributor

Re: 3 Credit Cards for the rest of your life

If I could only have three, I'd be so discouraged, maybe I'd just drop it to one - keep 3% AOD and call it a day, lol.  

 

Well..... I guess I'd attampt to get 5% and make the other two cards Freedom and Discover-it.  

 

But, man, that would hurt to give up 5% Amazon, Target, Citi CC...............  :cry:

 

[ Signature in dire need of updates. It's on my to-do list. Smiley Wink ]


5% CB rotating: ;
Everyday 3% CB: ;
Everyday 5%: ;
Companion Card: ;
Everyday 2.2% CB: ;
Retired to sock drawer after AOD (kept alive w/ 1 purchase every 6 mo): ;
On my radar: ;
Still Waiting for an Invite: ;
No hope:
Message 3 of 47
PNWRambler
Frequent Contributor

Re: 3 Credit Cards for the rest of your life

If I had to choose only 3 of my current cards to use forever:  

 

AmEx BC - groceries

Discover - revolving 5% categories 

CapOne Venture  or  Mercury World Elite - 2% on everything else

 

Message 4 of 47
DakotaM
Regular Contributor

Re: 3 Credit Cards for the rest of your life

PayPal Mastercard - 2% on everything and 3% via PayPal. You actually can use PayPal in most stores too, though it's a bit more involved.

 

Elan Max Cash Preferred #1- 5% on a couple categories I choose. This one is set to utilities and internet for now.

 

Elan Max Cash Preferred #2- Yep, I'm boring and have a duplicate 😁. This one is set to electronics and fast food. It's interesting how many places code as fast food. From my experience, just about any restaurant you can get delivery or take-out from counts. The limit for the 5% is 2K per quarter, so not too shabby either. 


Workers-Credit-UnionWorkers-Credit-Union
Message 5 of 47
MySunrise271
Established Contributor

Re: 3 Credit Cards for the rest of your life

Amex BCP

Elan MCP

Fidelity Rewards

this is my current setup now...with the occasional Citi Costco or rotating category card targeted spend😊

Message 6 of 47
Anonymous
Not applicable

Re: 3 Credit Cards for the rest of your life

Capital one Savor-4% dining, entertainment, streaming, 3% groceries(grandfathered no af)

Wells Fargo Propel-3x-gas, transit, travel 
Penfed Powercash Rewards-2% on everything 

all 3-no af, no ftf, 3 different issuers, 3 different networks(Amex, Mastercard, Visa)

Message 7 of 47
calisig
Regular Contributor

Re: 3 Credit Cards for the rest of your life

if from one's current collection:

- CSP: 3% dining, travel, other benfits

- Affinity Cash Rewards: bookstores, groceries, rotator+, gas

- Citi Costco: 4% gas, warranty adds 2 years, no AF

13Oct22 Exp F8: 812
Message 8 of 47
Anonymous
Not applicable

Re: 3 Credit Cards for the rest of your life

American Express

Nobody does it better than Amex.

 

Military Star

A must for military.

 

Upgrade

A line of credit that can be accessed anytime by using the Visa card. Or simply transfer cash into your checking account.

Message 9 of 47
NoHardLimits
Established Contributor

Re: 3 Credit Cards for the rest of your life

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)

June 2025 Scorecard: Clean, Thick, Mature, New Revolver
FICO8:
FICO9:
VantageScore3:
Inquiries (n/12, n/24):
AAoA: 11 yrs | AoORA: 37 yrs | AoYRA: less than 1 yr | New Accounts: 0/6, 1/12, 2/24 | Util: 1% | DTI: 1%
Message 10 of 47
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