What card do you carry and why?

[Anonymous]

- AmEx Gold: 4% in restaurants and grocery stores, a no brainer for me.

- Uber Visa: 4% in restaurants, just in case they don't take AmEx. Also for all hotels(3%).

- Cap1 QS: 1.5% everything else. I'll keep it in my wallet until I get a 2% card (probably pc my Citi AA to DC after 2 yrs).

- Target REDcard debit: 5% in Target.

I go to Whole Foods a lot so I got a Chase Amazon card, but since Whole Foods accept Apple Pay, I have this card in my iPhone and don't have to carry the plastic(metal) card.

in my passport case, I carry Schwab Debit and Schwab AmEx Plat, for international travels. The Schwab Debit has no fees on cash withdraw around the world, so I get cash at local ATM for local currency, in case some stores don't take credit card. And Schwab AmEx Platinum card is eligible for use to entering Centurion Lounges.

[ScoreSizzle]

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@AverageJoesCredit wrote:
Currently carrying my WF Amex Propel. Just trying to catch a Way, without the SUB

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I keep hearing good things about this card. 

[ScoreSizzle]

Amex Gold (this is my DD), Amex BCP (I just like having it on me) and Chase Freedom (5% back on Gas right now, but soon will be trading it for the FU). 

[Anonymous]

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@ScoreSizzle wrote:

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@AverageJoesCredit wrote:
Currently carrying my WF Amex Propel. Just trying to catch a Way, without the SUB

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I keep hearing good things about this card. 

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Its a no AF card with a very board 3x (4.5x) category reward. Good for those who doesn't want to pay for CSR, Prestige and Amex charge cards.

[Anonymous]

I think this will be my setup for this year. All in on MR points since I can transfer out to airlines @ 1.8 -2.5 CPP easy from my experience or if I use the charles schwabb Platinum to cash out at a minimum value of 1.2 CPP

1. Amex Gold 4x MRP Restaurant and Groceries = 7.2 to 10% return per dollar to Airlines or 4.8% cash back value

2. Amex Business gold for 4x MRP Gas = 7.2 to 10% return per dollar to Airlines or 4.8% cash back value 

3. Amex BBP 2X MRP All other spend= 3.6 to 5% return per dollar to Airlines or 2.4% cash back value 

4. PayPal Business debit 1% CB funded by Paypal 2% Cashback for total 3% cash back where amex not accepted.

[Namaste7]

2019 edition

1. AMEX Gold - 4X MR Restaurants and Groceries
2. AMEX BBP - 2X MR General spending
3. SDFCU 2% Card - AMEX backup and priority PIN
4. Target Redcard (mobile)

Discover often makes it in the wallet due to the 12-month 0% promo. If I travel, the corporate card and debit card are added to the mix.

[Anonymous]

Amex BCP - 6% Grocery

USAA Amex - 5% Gas 

Savor - 4% Dining & Entertainment

Citi DC - 2% General Spending

*Discover It - 5% Rotating Categories

*Freedom - 5x Rotating Categories

*CSP - 2x Travel (Hotel/Airfare/Rental Car)

[Anonymous]

US Bank Cash+ - Fast Food 5% (which covers my spots, Chick-fila and Chipotle)

Chase Freedom - 5% Gas currently

Propel- 3% Restaurants/travel (this is an awesome, versatile card for those who don’t want AF)

PayPal business debit - 3% when funded by 2% MC

[Anonymous]

Wallet Currently

• Amex Gold – meals out
• BoA Cash back – best gas credit card I have right now. 3.1% CB, though next quarter I'll carry Discover It for 5%
• CFU – 1.5% on anything thats not the two above

Drawer'd

• WF Student – 1900 SL + 1% CB...I mean come on
• Discover It

On the Way

• Shell Fuel Rewards

[wasCB14]

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@Anonymous wrote:

- AmEx Gold: 4% in restaurants and grocery stores, a no brainer for me.

- Uber Visa: 4% in restaurants, just in case they don't take AmEx. Also for all hotels(3%).

- Cap1 QS: 1.5% everything else. I'll keep it in my wallet until I get a 2% card (probably pc my Citi AA to DC after 2 yrs).

- Target REDcard debit: 5% in Target.

I go to Whole Foods a lot so I got a Chase Amazon card, but since Whole Foods accept Apple Pay, I have this card in my iPhone and don't have to carry the plastic(metal) card.

in my passport case, I carry Schwab Debit and Schwab AmEx Plat, for international travels. The Schwab Debit has no fees on cash withdraw around the world, so I get cash at local ATM for local currency, in case some stores don't take credit card. And Schwab AmEx Platinum card is eligible for use to entering Centurion Lounges.

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You might look into BBP. 

Forget 2%. You'd be earning 2.5%+ on up to $50k spend per year.

That is, 2x MRs with a minimum "Schwab cash" value of 1.25 cpp.

I have a DC, but only use it when I need a Citi perk.