- Centurion Member
- Posts: 875
- Joined: Thu Apr 30, 2009 2:32 pm
- Location: Texas
Hi dmoney. Welcome and thanks for the shoutout. For a secondary card that you won't be using often (since nearly everyone takes Amex), I would suggest seeing what your bank offers. If you have a card with your bank your card info will almost surely appear along with your checking/savings info. on the bank's website. Assuming you manage your finances online, this can be a significant convenience. You won't have to remember yet another login and you'll be reminded of any card balance on your infrequently used card whenever you go online to manage your checking, etc. I think this would work great with Chase or Citi as both have attractive rewards cards. For Chase I would recommend Freedom; for Citi, with which I am less familiar, I think you should check out the Forward card. In either case, I would suggest setting up email account alerts and maybe autopay on the secondary card, since it's possible you might use it and not remember that you did.
Generally for a secondary reward card you'll want a relatively low threshold for points redemption, since you won't be accruing very fast (as using Amex mostly).
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).
*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.