- Centurion Member
- Posts: 4059
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
BCE is good when your grocery spending goes over/near the Sallie Mae $250.
Maybe get an Arrival+ and forget the CSP and DoubleCash.
If you have a BCE and Sallie Mae, a BofA Cash Rewards card is going to be pretty useless.
Discover is good, and I find it different enough from Freedom to use it.
Edit: Also, as a general principle, use some caution when opening cards that have great signup bonuses, but don't give consistent, useful rewards after that to justify the annual fees. If you're planning on getting a mortgage in the next few years, having great credit should be your priority. Keeping cards for only a short time can be a good way to earn hundreds or even a few thousand dollars' worth of rewards. However, if that means you pay another 0.25% or 0.5% on a mortgage APR, those signup 'reward bonuses' may end up being very bad penalties.
It sound like you have great credit. Just don't wreck it.
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