2nd Quarter 5% IT

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
37 posts
User avatar
Calipso
Centurion Member
Centurion Member
 
Posts: 195
Joined: Mon Oct 29, 2012 2:50 pm
Location: Boston

Postby Calipso » Mon Apr 08, 2013 5:07 pm

FutureBillionaire wrote:I'll be loading up on Southwest, Marriott, and Gas cards to fund future trips. It's still a winning quarter if you have a Lowe's nearby. I have one close to my job.


It would be worth it if I had to stop into Home Depot or Lowes anyways. Driving to either store for gift cards is just not something I do. Even for the 5%.
My Limits:
NFCU NavCheck: $15,000/NFCU Platinum: $11,500/NFCU nRewards: $8,000
Chase Freedom: $6,500/Chase Slate: $6,000/CSP: $5,000/Marriott Rewards Primier: $5,000/United MileagePlus Explorer: $5,000/Southwest Primier: $3,000
Citi Hilton HHonors: $9,700/Citi Simplicity: $8,200/Citi Forward: $5,500
AMEX Blue Cash Everyday: $8,000/SPG AMEX: $5,000/AMEX Everyday: $5,000/AMEX Delta Skymiles Platinum: $3,400
Discover IT: $7,700
Barclay's NFL Extra Points (Carolina Panthers): $5,000
DCU Platinum: $3,000
RTN FCU CC: $2,000
CCCU Platinum Rewards Visa: $2,000

Current total limit: $129,500


FutureBillionaire
Centurion Member
Centurion Member
 
Posts: 1590
Joined: Sun Jun 19, 2011 2:37 pm
Location: Down South

Postby FutureBillionaire » Mon Apr 08, 2013 5:24 pm

Calipso wrote:It would be worth it if I had to stop into Home Depot or Lowes anyways. Driving to either store for gift cards is just not something I do. Even for the 5%.


I understand. I'm going to fund a future honeymoon and some other stuff with rewards. Plus, I want to make some extra cash. If I can drive downtown to the bar to blow money, I sure as heck can drive to the home improvement store to earn som rewards.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

cashback
Centurion Member
Centurion Member
 
Posts: 793
Joined: Mon Oct 22, 2012 7:11 pm
Location: NY

Postby cashback » Mon Apr 08, 2013 5:27 pm

Drive to home improvement store... earn rewards. Brive to bar... spend rewards... lol
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

FutureBillionaire
Centurion Member
Centurion Member
 
Posts: 1590
Joined: Sun Jun 19, 2011 2:37 pm
Location: Down South

Postby FutureBillionaire » Mon Apr 08, 2013 6:27 pm

cashback wrote:Drive to home improvement store... earn rewards. Brive to bar... spend rewards... lol


I chuckled out loud at my desk when I read this.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

User avatar
Calipso
Centurion Member
Centurion Member
 
Posts: 195
Joined: Mon Oct 29, 2012 2:50 pm
Location: Boston

Postby Calipso » Wed Apr 10, 2013 3:25 pm

FutureBillionaire wrote:I understand. I'm going to fund a future honeymoon and some other stuff with rewards. Plus, I want to make some extra cash. If I can drive downtown to the bar to blow money, I sure as heck can drive to the home improvement store to earn som rewards.


That makes sense. To me, spending $100 just to earn 5% on a purchase I don't need is pointless. I'll buy gas cards or lunch (Chase Freedom 5% restaurants) but spending money to earn a small percentage isn't worth it.

I churn bonuses and will use my cards for rewards. Thats about it. It's like playing in Vegas just for comps. You don't gamble for comps, you do it for entertainment. You also don't gamble what you can't afford.

Spending $500 to earn $25 when I don't need to is just bad opportunity cost.
My Limits:
NFCU NavCheck: $15,000/NFCU Platinum: $11,500/NFCU nRewards: $8,000
Chase Freedom: $6,500/Chase Slate: $6,000/CSP: $5,000/Marriott Rewards Primier: $5,000/United MileagePlus Explorer: $5,000/Southwest Primier: $3,000
Citi Hilton HHonors: $9,700/Citi Simplicity: $8,200/Citi Forward: $5,500
AMEX Blue Cash Everyday: $8,000/SPG AMEX: $5,000/AMEX Everyday: $5,000/AMEX Delta Skymiles Platinum: $3,400
Discover IT: $7,700
Barclay's NFL Extra Points (Carolina Panthers): $5,000
DCU Platinum: $3,000
RTN FCU CC: $2,000
CCCU Platinum Rewards Visa: $2,000

Current total limit: $129,500

FutureBillionaire
Centurion Member
Centurion Member
 
Posts: 1590
Joined: Sun Jun 19, 2011 2:37 pm
Location: Down South

Postby FutureBillionaire » Wed Apr 10, 2013 3:34 pm

Calipso wrote:That makes sense. To me, spending $100 just to earn 5% on a purchase I don't need is pointless. I'll buy gas cards or lunch (Chase Freedom 5% restaurants) but spending money to earn a small percentage isn't worth it.

I churn bonuses and will use my cards for rewards. Thats about it. It's like playing in Vegas just for comps. You don't gamble for comps, you do it for entertainment. You also don't gamble what you can't afford.

Spending $500 to earn $25 when I don't need to is just bad opportunity cost.


200% agree with this. I will only be buying cards for trips that I have planned.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

User avatar
bisbicos
Centurion Member
Centurion Member
 
Posts: 284
Joined: Sun Jul 17, 2011 12:38 am
Location: Newton, MA

Postby bisbicos » Wed Apr 10, 2013 3:51 pm

I went to two home depots and a Lowell's today. No gcs, and with that I will stop trying
Credit Cards
American Express: Fidelity Rewards (2% cash back) 9.5k
Zync NPSL
Discover: Discover More (5% rotating categories) 12k
Mastercard: Chase Freedom (5% rotating categories) 4.6k
Visa: Citi Forward (5x pts on restaurants) 15.7k
Citi Dividend (5% rotating categories) 5.6
Capital One Journey (1.25% cash back) 1.25k
BofA AAA (5% on gas) 2.5k
PenFed Platinum Rewards (5% on gas 3% groceries) 7.5k

Future Cards
US Bank Cash +
Chase Ink



Return to “Discover, Diners Club”

Who is online

Users browsing this forum: No registered users and 2 guests