- Centurion Member
- Posts: 4042
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
As someone with a similar lineup, I think I can help.
I get much more of my food from Costco and traditional grocery stores than from restaurants. I routinely hit or come close to the Sallie Mae $250 limit, and I use the PRG or BCE beyond that. It requires some monitoring to see how close to the $250 I am, but it's great as a no-AF, no-swipe-minimum solution. 5% on $250 groceries and $250 gas every month is definitely useful. Most things on Amazon qualify as bookstore purchases. Sallie Mae gives a free TU FICO, but it updates irregularly.
Discover has good customer service and the 5% categories are good, but it's online shopping cash back that makes this card really great for me. The online shopping rewards may be imminently reduced, so this is something to check again in a week.
If you're an authorized user on your father's Amex - assuming it is a card issued by Amex (like a Green or Gold charge card) and doesn't just use the Amex network (like the Fidelity Amex) - then you should already be 'in' with Amex at some basic level. You presumably have established a 'member since' date which will help you in the future - mostly if you decide to churn cards for signup bonuses or if you have money problems and need to rebuild your credit some day. So I don't see a rush to get an Amex Everyday.
I have a BCE, which is comparable to the Amex Everyday. I use it, but there's nothing terribly special about the rewards.
Since you eat a lot at restaurants, maybe look at the Barclaycard Arrival.
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