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What card do you carry and why?

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Established Member

Re: What card do you carry and why?

- 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.

 

Message 51 of 83
Regular Contributor

Re: What card do you carry and why?


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

I keep hearing good things about this card. 

Cap1 Quicksilver || Amex Gold || Amex BCP || Discover IT || Chase FU || BofA Travel || FNB Omaha Platinum Visa
Message 52 of 83
Regular Contributor

Re: What card do you carry and why?

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). 

Cap1 Quicksilver || Amex Gold || Amex BCP || Discover IT || Chase FU || BofA Travel || FNB Omaha Platinum Visa
Message 53 of 83
Valued Contributor

Re: What card do you carry and why?


@ScoreSizzle wrote:

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

I keep hearing good things about this card. 


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.

ⳂαԼԼεէ ✈⛽☕ ⳎroⳎel ✈☕ ⸿sƦ ✈☕☙ ❡olδ ☙ ēD ⌚ ααƤƧ ┊ ᶐᶐƤƧβiz
⛪ ८ſu ┊ ↇᏨ ┊ ८ſ ☙ Ⲙileⴑp ┊▲G ☕iէ ┊ qš మ ᐰmzn ᐰ√ ┊ wſ -√ ⚕ ββⳎ⛪ Ɲĕхт: ✿❀❁
Message 54 of 83
Regular Contributor

Re: What card do you carry and why?

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.

Message 55 of 83
Frequent Contributor

Re: What card do you carry and why?

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.

$mart $$$: #1 Invest, #2 Prioritize health, #3 Limit debt
Garden Goal: Mortgage ready and below 5/24
Message 56 of 83
Established Contributor

Re: What card do you carry and why?

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)

Back In the garden June 2019 until TBD
FICO 8 Scores (Inquiries) May 29, 2019

Military Star - $8.7K | FCCU Platinum Signature VISA - $13K | Care Credit - $25K | Barclay AA Red MC - $5K | Best Buy Citi Visa - $3K | Cap1 Savor - $3.1K | USAA Signature VISA - $6K | PFCU Power Cash Rewards Signature VISA - $28.5K | CSR $15K | USAA AMEX - $12K | AMEX BCP - $35K | Chase Freedom Signature Visa- $7.5K | HSBC Rewards MC - $1.75K | CITI DC - $10.3K | Discover It - $16K | NFCU Cash Rewards Signature Visa - $10K | NFCU CLOC - $15K | TD Ameritrade Client Rewards Visa - $1.5K | Chase FU Signature $15K | Citi AA Plat MC $13K
AAoA 6 Yrs 10 Mos AoOA 16 Yrs 2 Mos AoYA 1 Mos
Currently 13/24
4/24 on 1/14/20
1/24 on 3/15/20
0/24 on 3/20/21
Installment Loans
BMW $36.4K of $65.3K @ .99% (44.3% Paid)
Student Loans $32K of $66.65K @ 2.75% (51.93% Paid)
Annual Income ~ $110K
Message 57 of 83
Valued Member

Re: What card do you carry and why?

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


October 2018 TCL=$127,200 EX=768 EQ=745 TU=766

Message 58 of 83
Valued Member

Re: What card do you carry and why?

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


Message 59 of 83
Senior Contributor

Re: What card do you carry and why?


@brian6 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.

 


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.

Most spend: CSR, CFU, BBP
Rewards/AAoA ballast: CF, Discover, Costco, ED, Arrival
Perks: Schwab Platinum, IHG49, Hyatt75, Brilliant, Delta Platinum
Potential closures/downgrades: Savor, BCP, Double Cash
Message 60 of 83
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