Looking for a good dining/travel/online purchase card

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4 posts
Luxe
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Joined: Sun Mar 31, 2013 2:22 pm
Location: USA

Looking for a good dining/travel/online purchase card

Postby Luxe » Sun Jan 12, 2014 11:25 pm

My wallet currently holds a Chase Freedom and Amex BC so I get:
  • Gas: 5% for half the year with the Freedom, 2% normally with Amex
  • Groceries: 3% with Amex
  • Amazon: 5% during winter with Freedom, 3% by buying gift cards at the supermarket with Amex
  • Everything else: 1%
(Actually thinking to sock drawer the Amex since BofA's Privileges card is effectively 4.5% gas / 3% groceries / 1.5% the rest).

The main categories I'm missing and care about are dining, travel, and online purchases. The CSP and Discover IT have caught my eye but I can't stomach the CSP's AF since I don't spend enough on travel alone to make the CSP $95 better than a plain CS.

So... are plain CS and Discover IT the cards I should be looking at?


samhradh
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Joined: Thu Nov 21, 2013 1:13 pm
Location: United States

Postby samhradh » Sun Jan 12, 2014 11:47 pm

Why are you posting this in the AmEx sub forum?

Yes, I would say the it makes the most sense for you. CS not so much. Consider also what kind of rewards you want. Cash back? The it, Quicksilver.Travel? Arrival and Venture.

My wildcard rec is the Marriott Rewards Premier (2 pts at restaurants and on travel). With the sign up bonus and yearly free night, annual fee is essentially paid for anyway.
Citi Forward ($10.1K), AmEx Blue Cash Everyday ($30K), Chase Freedom ($12.4K), Discover it ($5.5K), Barclaycard Arrival ($12.5K), L.L. Bean Visa ($5K). FICO 806 (TU), 812 (EQ), 806 (EX).

takeshi
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Postby takeshi » Mon Jan 13, 2014 9:45 am

Luxe wrote:The CSP and Discover IT have caught my eye but I can't stomach the CSP's AF since I don't spend enough on travel alone to make the CSP $95 better than a plain CS.

If you can meet the spend for the bonus 40K points is worth $400 if you use the worst case redemption method of a statement credit. That's 4 years of the CSP's AF. Plus first year is waived and you can PC to the CS to avoid the second year AF.

Does 2x on dining all year make more sense versus 5% on rotating with associated limit(s) for you? I personally wouldn't rely on a rotator for a major spend category but you seem to be willing to do so.

cashback
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Location: NY

Postby cashback » Mon Jan 13, 2014 9:54 am

Definitely get the IT for online shopping. ShopDiscover is arguable the best shopping portal there is right now. A lot of popular retailers on there for 5% or more.
Credit Cards
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

Not Used
Citi Simplicity - 5K, Sam's Club Discover - 10K

Future Cards
Sallie Mae World Mastercard

FICOs
Exp 772 - TU 781 - Equ 781



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