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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)
Chase United - all food and travel on this one
Amex BCP - gas - large purchases
Apple GS - all apple purchases and ApplePay
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:
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
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.
Amex BCP
Elan MCP
Fidelity Rewards
this is my current setup now...with the occasional Citi Costco or rotating category card targeted spend😊
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)
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
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.
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)