- Centurion Member
- Posts: 4047
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
I asked about that once and got the same answer: switching is very easy. I like the It program better, though.
Restaurants and gas are certainly practical categories for most people, but the bonus spending is capped at $1,000 combined per quarter. 2% isn't that great, either. There are a lot of good options for gas cards, and a few others for dining.
Since Discover is your one prime card right now, going with the Chrome may make sense if you don't use the 5% categories much. Once you have a few prime cards, though, I think it is better to use the card lightly and then make full use of the 5% when possible.
Keep in mind - you won't know all your expenses at the start of each month or quarter. If you end up going to a movie theater on short notice, for example, you might wish you had your 5%
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt, Arrival
May close or PC: Prestige, BrooksBros
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech