Next card to get?

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terrydawn
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Next card to get?

Postby terrydawn » Tue Oct 14, 2014 1:27 am

Currently I have Amex Plat, SPG, EDP, CSP, freedom, and discover it. I feel I have most of my spendings covered in almost all categories, but I don't know if there is any non-fee credit card I should get that could have some synergy to my collection. Thanks for any inputs!
In Wallet:
Amex Platinum, Amex SPG, Amex EveryDay Preferred, Chase Sapphire Preferred, Chase Freedom


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Vattené
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Postby Vattené » Tue Oct 14, 2014 10:19 am

A few cards worth looking into:
  • U.S. Bank Cash+ offers 5% quarterly categories like Freedom and It but you can pick them - I see that being a potentially good complement to your existing 5% cards as you can select categories that aren't already covered
  • Citi Double Cash gets 2% on everything (1% when you purchase and 1% when you pay)
  • Barclaycard Rewards gets 2X points on gas, groceries, & utility - not sure if you'll find it worth it to get a card for what would probably just be utilities (I realize groceries are covered by your EDP and gas by your EDP when it's not covered by your Freedom or It) but I just thought I would throw it out there since you don't often see utilities in a higher-earning category
Those are just some cash back cards off the top of my head because it looks like your current portfolio has travel pretty well covered (plus they tend to have AFs anyway).
-Vattené
FICO-8:
EX - 809 (3/17) | TU - 794 (3/17)
Primary Cards:
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

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CarefulBuilder14
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Postby CarefulBuilder14 » Tue Oct 14, 2014 12:58 pm

A lot depends on what value you place on MR, UR, and Starwood points. Also, do you routinely make the 30 swipes to get the EDP 50% bonus?

Cash+ may have some value. I wouldn't bother with Double Cash or Barclaycard Rewards, though (if you like MR points and can get the 50% EDP bonus).

Some information about your spending would be helpful.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt
Plan to PC: Prestige to DC
SD with activity alerts, might close: Arrival and Brooks Bros

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech, BofA Travel PH

TheSwarm
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Postby TheSwarm » Wed Oct 15, 2014 11:24 am

CarefulBuilder14 wrote:A lot depends on what value you place on MR, UR, and Starwood points. Also, do you routinely make the 30 swipes to get the EDP 50% bonus?

Cash+ may have some value. I wouldn't bother with Double Cash or Barclaycard Rewards, though (if you like MR points and can get the 50% EDP bonus).

Some information about your spending would be helpful.


I agree.

If you're making 30 swipes per cycle on the EDP you don't need any more cards. That's a beautiful lineup.

I'm assuming you travel a lot and stay at only Starwood Hotels.

edward745
 
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Location: united kingdom

Postby edward745 » Thu Oct 16, 2014 8:12 am

I agree.

If you're making 30 swipes per cycle on the EDP you don't need any more cards. That's a beautiful lineup.

I'm assuming you travel a lot and stay at only Starwood Hotels.



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