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If you could only have three rewards cards...

ZehTy
New Contributor

Re: If you could only have three rewards cards...

In the few weeks i've been here, i've learned about so many cards that I never knew existed.

 

Here's my three:

 

1. Aerospace FCU Cash Back - 5% Gas, 4% Dining & Entertainment, 3% Travel, 2% Grocery, 2% Everything Else. No AF, no FTF.

2. AOD Visa Signature - 3% All-Around. No AF, no FTF. 

3. US Bank Cash+ - 5% on two chosen categories up to $2k, then 2%. No AF.

 

I'm biased about Aerospace as I just found out i'm eligible for their really strict membership criteria and jumped on it just the other week. AOD rocks this forum hard from what i've seen and as pretty as it is, I can't see myself applying for it. I just think it'll get nerfed. USAlliance is nerfing their 3x card soon so, I suspect AOD MIGHT follow in their footsteps, who knows. I'm interested in the Cash+ and I believe I will be 1/12 by June so I might go for it? We shall see!

Cards:

Banks/CU's:
Message 11 of 38
FortifiedHM
Valued Contributor

Re: If you could only have three rewards cards...

Thats a tough one, it would be very hard to get down to just 3.

 

Gold: food, travel, grocery, amazon gc, shell gc, exxon gc, delta gc, aa gc, amex offers

Freedom flex: 5% categories, travel

Fidelity: 2% baseline, network access

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⛪ᙪ൦ſΛ ८८☕ Λlti-ၺ ✈☕թroթⅇl ✈☕⸿ⵢᖇ ⍟Ԑժ ⍟८ſ ┊Ҩⵢ ☏८ſⴑ ⛽ෲթƧ-βiz ⛽iէ | ८✙ ┊❡olδ┊ↇᏨ ☕▲B ⍟Ⲙilⅇⴑթ ⛪
⸨ꜷ ᐰmzn ᐰ√ ☏⸿i⸿┊⸿iⴑ ⚕ᙪᙪթ⍟wſ -√ ⚕ᙪᙪ८⸩
Message 12 of 38
ChargedUp
Senior Contributor

Re: If you could only have three rewards cards...

AOD Visa Sig. Really one of the best general spend cards out there. Some think it'll be nerfed. Well, who knows? I'm enjoying it while it lasts and hoping they grandfather us existing cardholders if they do cut it back.

 

Chase Freedom Visa. I haven't changed mine to MC, and why would I? This one is Costco friendly and I already have 3% covered by the AOD.

 

AMEX BCP. 6% grocery & streaming go a long way for me feeding a bunch of teenagers. I generally save about 2.5X the AF. This one is a no brainer for me.

Message 13 of 38
SpiritSoul11
Member

Re: If you could only have three rewards cards...

Great list! I'm learning so much from you guys!

Revolving


Installment


Accounts
Message 14 of 38
blindambition
Senior Contributor

Re: If you could only have three rewards cards...

Definitely my AOD, then probably my Freedom original version and Amex BCP.

Message 15 of 38
ChargedUp
Senior Contributor

Re: If you could only have three rewards cards...


@blindambition wrote:

Definitely my AOD, then probably my Freedom original version and Amex BCP.


Great minds think alike 😁

Message 16 of 38
blindambition
Senior Contributor

Re: If you could only have three rewards cards...


@ChargedUp wrote:

@blindambition wrote:

Definitely my AOD, then probably my Freedom original version and Amex BCP.


Great minds think alike 😁


Most definite!! 😊 

AOD goes without saying, and I redeemed $150 in offers on BCP. That wasn't including groceries or subscriptions, so no-brainer too. 😂 

Message 17 of 38
AverageJoesCredit
Legendary Contributor

Re: If you could only have three rewards cards...

Oh boy, here we go againSmiley Wink

 

AOd, AoD, aOD Smiley Happy

 

With no money to spend i dont need to chase categories  so a 2% cb is all i really need so having a PCR and PPMC cover most needs. Anything Navy completes trifecta just because their limit and apr can provide a whole swath of uses, ie enough uti  coverage, low apr for carrying balances, low CA with no negative connotations,  and  enough rewards to  make up the half percentage of a 2 % card when using shopping portal.  

Message 18 of 38
marcforza1
Frequent Contributor

Re: If you could only have three rewards cards...

For me, it would be Freedom Flex, Discover IT and Amex Hilton Honors. I stay at a Hilton hotel at least one or two weekends a year, so that card would be useful for me. 


FICO 8 Scores 12/2017: EX-596; TU-604; EQ-591
Current: EX-648; TU-665; EQ-678
AAoA: 4.4 yrs
Message 19 of 38
wasCB14
Super Contributor

Re: If you could only have three rewards cards...

MRs still work for me, so BBP > AOD.

 

Add to that Schwab Platinum.

 

And then Costco, BofA PR, or whatever V/MC has a nice SUB.

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR, Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: EDP, BCP
Closing soon: Discover

Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.
Message 20 of 38
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