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I'm new to the whole points and cashback game.
I carry the AMEX BCE, SOuthwest Chase, and Discover. I have the tape cassette look on the Discover It and sometimes I use it to spark a comment at a restaurant.
The BCE is the daily driver.
I leave my awesomely amazing $400 limit HSBC-converted to Capital One Discover Network card at home
@Dalanar wrote:I'm new to the whole points and cashback game.
I carry the AMEX BCE, SOuthwest Chase, and Discover. I have the tape cassette look on the Discover It and sometimes I use it to spark a comment at a restaurant.
The BCE is the daily driver.
I leave my awesomely amazing $400 limit HSBC-converted to Capital One Discover Network card at home
I have this design too, and I once handed it to someone and they didn't think it was a credit card and they were like "uhhhhh" and i was like "lolololololololol"
@jsucool76 wrote:
@Dalanar wrote:I'm new to the whole points and cashback game.
I carry the AMEX BCE, SOuthwest Chase, and Discover. I have the tape cassette look on the Discover It and sometimes I use it to spark a comment at a restaurant.
The BCE is the daily driver.
I leave my awesomely amazing $400 limit HSBC-converted to Capital One Discover Network card at home
I have this design too, and I once handed it to someone and they didn't think it was a credit card and they were like "uhhhhh" and i was like "lolololololololol"
I have the copper one and it looks amazing. Very prestigious!
Upromise for gas 8% and restaurants 8%
quicksilver everything else
Sallie Mae MC for 5% gas and groceries
Discover it for 5% rotating
Chase Freedom for 5% rotating
Citi Dividend for 5% rotating
US Bank Cash + for 5% fast food and dining (when not on other rotating card)
Target RedCard for 5% off at Target
Amex Green just cause
Fidelity Amex for 2% on all other purchases
Capital One QuickSilver for 1.5% where Amex is not accepted
@vivman1107 wrote:Sallie Mae MC for 5% gas and groceries
Discover it for 5% rotating
Chase Freedom for 5% rotating
Citi Dividend for 5% rotating
US Bank Cash + for 5% fast food and dining (when not on other rotating card)
Target RedCard for 5% off at Target
Amex Green just cause
Fidelity Amex for 2% on all other purchases
Capital One QuickSilver for 1.5% where Amex is not accepted
Oh wow. Speak of Powerhouse Combo! lol
Would you rather the new Citi Double CashBack to replace the Amex Fidelity?
I carry a very small wallet with just 4 slots so at the moment I carry my ID, Amex Business Platinum for any business purchases, Amex SPG for everything (to meet $5k min spend) and Barclays Arrival + for places Amex isn't accepted. Oh, and my Chase Freedom sits in the glovebox of my car for 5x gas and emergencies. Moving forward I'm going to stick with this SPG/Arrival combo and put the bulk of my spending through the SPG to save for a dream vacation.
Right now I am trying to meet the Spend requirement for the Marriott Premier card, so I'm using that as much as I can. But usually, this is what I carry:
Costco True Earnings Amex: this is my go-to card. You can't beat 3% cashback on Costco gas! Also a pretty good card for 2% back at restaurants.
Discover IT: For rotating categories - I expect to be using it a lot in the next quarter. Also Discover's online mall is the best I have seen.
HRC branded BankAmericard Cash Rewards: For when I have to use non-Costco gas stations that don't accept Amex, and for a little grocery shopping.
Capital One QS: Other/incidental purchases not fitting into a category spend.
I have other cards that I use as it benefits me. Last week I picked up some concert tickets with Citi Preferred seats, and used my Citi Dividend for the first set of 5 and Diamond Preferred for the second set of 2 - I had to call DP concierge to get the two sets of tickets to be close by (they called Ticketmaster on my behalf and made it happen). I use the Chase Amazon Visa when I shop on Amazon, but that is increasingly rare these days after I dropped my Amazon Prime membership (due to them hiking the price) and went with Shoprunner, a cool benefit of my Amex.
Rewards
Amex TrueEarnings Costco/Costco gas 3% Dining 2%
Sallie Mae groceries/amazon/non costco gas 5%
BofA Business MC Gas/food/everything else 3-2-1 $250/mo quota for free business checking
Low interest rate
Merrick Bank cash advance/credit emergencies 6.15%
5-6 in sock drawer.