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What card do you carry and why?

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Established Contributor

Re: What card do you carry and why?

Currently, I'm carrying 4 credit cards in my wallet.

 

1. Uber Visa - restaurants (4%) and cell phone bill

2. Discover it - groceries (5%)

3. Chase Freedom - gas and drugstores (5%)

4. Citi DC - general spend (1% + 1%)

Message 71 of 83
Regular Contributor

Re: What card do you carry and why?


@Man-Of-Steel wrote:

Currently, I'm carrying 4 credit cards in my wallet.

 

1. Uber Visa - restaurants (4%) and cell phone bill

2. Discover it - groceries (5%)

3. Chase Freedom - gas and drugstores (5%)

4. Citi DC - general spend (1% + 1%)


Good point with Discover.

Discover beats Amex Blue Cash EveryDay for groceries for this quarter.

Message 72 of 83
Community Leader
Super Contributor

Re: What card do you carry and why?

Im confused, isnt the DC a 2% card?Smiley Wink
Charter Member of the Discover " No Cli For You " Club !

Chase Never/24 Squad Leader
Team Pendread Anonymous
Message 73 of 83
Established Contributor

Re: What card do you carry and why?


@TheRationalConsumer wrote:

@Man-Of-Steel wrote:

Currently, I'm carrying 4 credit cards in my wallet.

 

1. Uber Visa - restaurants (4%) and cell phone bill

2. Discover it - groceries (5%)

3. Chase Freedom - gas and drugstores (5%)

4. Citi DC - general spend (1% + 1%)


Good point with Discover.

Discover beats Amex Blue Cash EveryDay for groceries for this quarter.


Thanks.  Yeah, I have an Amex BCE, which is currently sitting in the SD getting a monthly Hulu charge.  I usually use the BCE for groceries when it is not a featured 5% category on the it or freedom.

Message 74 of 83
Established Contributor

Re: What card do you carry and why?


@AverageJoesCredit wrote:
Im confused, isnt the DC a 2% card?Smiley Wink

Ha ha.  I listed it that way because officially it is a 1% + 1% card, however I know most folks (including me) consider it a 2% card. Smiley Wink

Message 75 of 83
Established Contributor

Re: What card do you carry and why?

BoA Premium Rewards - 2.62% most places, 3.5% travel and dining

BoA Cash Rewards (visa) - 3.5% at Costco, 5.25% on rotating categories (currently dining) 

 

Those are the only two I carry. I have a Chase Amazon card I use for shopping on Amazon. The CR card has a $2500/q limit so once that's reached I just use the Premium card everywhere.

 

Once I'm out of the garden I'm thinking of gettin ga second Cash Rewards card. Potentially get my wife to app it and make me an AU (she is an AU on mine). Then we would have a $5000/quarter limit instead of $2500/quarter by swapping cards half way.


Amex BCE $40k || BoA Travel $5k || FirstTech MC $5k || BECU PLoC $10k || Discover Miles $27.7k || CITI DC $27.5k || CHASE Amazon $12.5k || BoA Premium Rewards $31k || BoA Cash Rewards 27k // AU on DW's Costco Visa $12k FICO8 774
Last Inq 04/2018
Message 76 of 83
Frequent Contributor

Re: What card do you carry and why?

Amex Gold for dining out/groceries

Amex Hilton for everything else 

I just paid the AF for the Gold, so will give it a shot as the daily driver the balance of 2019, else I will be shopping for an alternative later this year.

Back In the garden until October 2019
FICO 8 Scores as of 4/2019: 626 EQ | 662 TU | 642 EX
Goal: Util down to 25% FICO 8 700
Inq: 16 EQ | 2 TU | 10 EX
NFCU Platinum Visa - $20K | FNB Omaha (M Life) - $5K | Amex Gold NPSL | Amex Hilton - $2K | Dell Financial - $3K | Ikea - $6K | NFCU CLOC - $2.5K | TD Bank (Samsung) - $1.2K
AAoA 1 Yr 1 Mo AoOA 3 Yrs 8 Mos AoYA 1 Mos
Installment Loans
NFCU $34K of $38.7K - selling Summer 2019
NFCU Consol Loan(Home Repair) $8K of $8.8K @ 10.75%
Toyota $14K of $14K
Guaranteed Rate (Mtge) $125K of 132K
Annual Income ~ $125K

Message 77 of 83
Regular Contributor

Re: What card do you carry and why?

Chase Slate- My balance card. Barely use it now. Will probably close it next year or PC to CSP if possible.

Chase Freedom Unlimited- Like using this for groceries and online purchases because of the rewards. The card I use the most.

Capital One Platinum- Used to build up my credit and also my emergency card if something major happens. Will try to PC this card later this year.

Capital One Quicksilver One- My gas card. Only has a $500 limit but it gets the job done

FICO 8 Scores 12/2017: EX-596; TU-604; EQ-591
Current: EX-627; TU-652; EQ-645
AAoA: 4.4 yrs
Message 78 of 83
Regular Contributor

Re: What card do you carry and why?

I carry the Amazon Prime Visa Card as I mainly use it for Restaurants right now since I get the most back with it, and then I carry Citi ThankYou Preferred, which I mainly just kinda have sitting around. About to switch out with Amex Cash Magnet as Cash back is more valuable to me and I have a lower balance on it.




FICO Scores (current as of March 21, 2019): Equifax: 728 | Experian: 756 | TransUnion: 757
Message 79 of 83
Contributor

Re: What card do you carry and why?

I carry:

CF for current categories
CFU for everything else

Plan on using them with CSP when I can get the credit score to app for it. Planned on stacking the points for yearly vacation flights but everyone else in this thread has me rethinking whether or not this is the best bang for my buck, lol.

Starting Score: 612|634|622
Current Score: 627|640|622
Goal Score: 720|720|720


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Message 80 of 83