- Centurion Member
- Posts: 1157
- Joined: Sun Jan 26, 2014 3:55 am
- Location: US
Good points. Many people here have multiple prime cards and it makes sense to just have the Dicover it around for category spending. Once I get in with Amex, there really isn't another prime card I want. I would rather keep things simple anyway and have just one credit card bill to keep track of (and two won't be a problem when the time comes), but besides that there just isn't anything appealing to me right now. I would also rather have one or two accounts accumulating rewards. Sure, I could maximize them more, but the more I do that the more slowly each account builds up. I would prefer having one rewards account grow faster even if it means sacrificing an extra 1% on a pretty limited amount of spending.
I think I will be better off with the Chrome version, at least for this quarter. I probably will cap out the 2%, but I will get to $1,000 in restaurants and gas faster than I would get to $400 (the same amount of cashback at 5%) in online and department stores.
The regulars around here are probably tired of my gushing over Discover, but I love that they let you jusy play it by ear each quarter. If they were to do restaurants and movies again next quarter, I will probably just flip back. Plus if I cap out on Chrome early enough I can switch before the end of the quarter to catch some of that 5%.
EX - 809 (11/16) | TU - 803 (11/16)
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now