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What card do you carry and why?

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Established Contributor

Re: What card do you carry and why?

@wasCB14 wrote:

@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.

This is kinda why I’m leaning towards just using my Gold for the dining credit until the AF hits.  I don’t have the BBP so I wouldn’t be really maximizing earnings. Majority of my non cat spend is usually bills and I have the Cash+ to take care of at least half of that.


I currently use my Venture for non cat spend until the AF is due.

Amex Gold NPSL, Amex Hilton Aspire 3k, Amex Marriott Bonvoy 1k, AMEX BBP 3.5k, AMEX Hilton Surpass 4.5k, BOA Cash Rewards 8.2k, BOA Better Balance Rewards 2k, Care Credit 15k, Chase Amazon Visa 19.825k, Discover 11.8k, Discover 12.5k, Nordstrom Store 4.5k , Fidelity Visa 10k, Cap 1 QS 15k, Cap 1 Savor 10.5k, Citi Rewards+ 4.4k, Citi DC 7.5k, Citi Advantage Platinum 5.5k, US Cash+ 3.5k, Altitude Reserve 9k, Paypal Mastercard 4k, Apple Card 6.5k
Message 61 of 83
Regular Contributor

Re: What card do you carry and why?

Citi Prestige - Restaurant + airfare / travel  

Alliant - Rest


gold was the biggest let down with restaurant coding. Will renew my prestige.

Message 62 of 83
Established Contributor

Re: What card do you carry and why?

In my wallet:

Discover It: 5% groceries this quarter and also when they offer 5% restaurants

BOTW Cash Back MC: currently for 3% dining, but also for 3% groceries when Discover or Freedom aren't offering 5% on either of those categories

PenFed Power Cash Rewards: 2% general spend

Chase Freedom: either for 5% groceries or restaurants

Citi Anywhere Visa: 2% Costco and 4% on all gas purchases (this is my primary gas card)


At home:

Amazon Prime Visa: 5% on Amazon purchases and currently auto insurance for 5%

U.S. Bank Cash+: 5% cell phone

BoA BBR: Netflix & Hulu for the $25 quarterly bonuses


Message 63 of 83
New Visitor

Re: What card do you carry and why?

I primarily carry the two below and use daily.  


Amex BCP - 6% Groceries

Citi Costco - 4% gas, 3% dining/travel


Sock Drawer:

Citi AAdvantage - Business travel, all recurring purchases

Amazon Prime Card for the 5% back

Message 64 of 83
New Contributor

Re: What card do you carry and why?

every time i see this, "

"What card do you carry and why?


i always skip past the "card" part in my mind to IE:

What do you carry and why? Smiley Wink


some of you will get it...

Message 65 of 83
Established Contributor

Re: What card do you carry and why?

Amex Bus Platinum - for virtually everything
Amex Delta Platinum - flying
AA Executive - 2nd back up card, flying on AA
Message 66 of 83
Valued Contributor

Re: What card do you carry and why?

Freedom-5% rotating cats
BCE-3% groceries
DC- non-category spend
Barclay & Credit union cards- Low APR cards in case of need to carry balance

Installment loan reported this month,so technically, I'm at 2 months, but AoYA points were NOT reset. When new CCs hit and it is reset, I'll put the number it is.+1,+2,+2(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated AUG 4, '19. Since then, 5 HP dings to add; will update again.
Message 67 of 83
Established Contributor

Re: What card do you carry and why?

I carry 3

Cap One Quicksilver for general spend

CSP for travel and dining

Amex Delta Platinum for travel   


Message 68 of 83
Valued Contributor

Re: What card do you carry and why?

Daily Drivers


CSR  for  resturants and travel

BCP  for Gas and Groceries

Walmart Store card for Cash back at Walmart/Sams Club, Debit card without the risk of using debit. 




Cards: Chase Southwest 20k & CSR 17k & CSP 10k & Freedom 6.6k & FNBO 30k Oregon Duck 5k, & AMEX BCP 32.5k & Amex Magnet 15k&amg; Hilton Surpass 7.5k & Delta Gold 12k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 20k, Paypal Extras MC 10k, Paypal Credit 7.25k CapOne Venture 15k, QS 2.5k, QS 750, Amazon 10k, Walmart 10k, Citi Simplicity 18k, Discover IT 23k and a nice stack of store cards.
Marcus Loan. 30k second marcus load 15k.
Message 69 of 83
Super Contributor

Re: What card do you carry and why?

Discover It for whatever the category is at the time, BOA Cash Rewards (groceries and currently online shopping), Cash Magnet (everyday purchases) and Costco (gas/dining). Have the Target redcard debit version for the 5%. Covers all my needs just fine.

Message 70 of 83
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