Everyday card

For just about anything you want to get off your chest about credit cards.
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Brad Bishop
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Postby Brad Bishop » Sat Apr 11, 2015 7:38 am

My everyday payment is cash except for the 5% categories with Discover. Also, Discover is my online card (Amazon and the like).

A year ago I thought Discover was kind of a joke. I really like the card and the easy-peasy 5% categories help with that but also their mobile applications along with their website. It's all just really well done.

If you compare it to Amex, it's like night and day. Anything I'd want to do is available on Discover's website and mobile apps. With Amex it feels like you can see recent transactions and check and pay your balance. Maybe that's not quite fair but Amex's web and app presence just seems thin to me.


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CarefulBuilder14
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Postby CarefulBuilder14 » Sat Apr 11, 2015 9:59 am

I'm pretty determined about using the rewards-maximizing option, but for off-category stuff I usually go with my Freedom.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

whit
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Postby whit » Mon Apr 13, 2015 1:00 pm

I've been trying to make the discover it my everyday card since I got approved for it over two years ago..and before that I only had an Amex (for Costco and Neiman) as well as a citi mastercard..

Unfortunately my fave restaurant and some online retailers don't accept it; but otherwise, it gets a good chunk of my swipes thanks to food trucks and square ;p and of course, more acceptance of discover

I thought the spend analyzer is pretty cool; along with the simplicity of the card's design.

I would never have signed up for discover when I first started getting into credit cards but, they've changed their marketing plus no ftf with no af definitely was a swinging factor

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JamesMS
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Postby JamesMS » Mon Apr 13, 2015 8:18 pm

There are a couple that I keep in my wallet.

- Amex Blue Cash
- Chase Freedom
- Capital One Quicksilver

I trade off when using them.
Main Cards:
Amex BCE
Amex Everyday
Bank of America Cash Rewards
Chase Freedom
Capital One Quicksilver
Citi Thank You Preferred

Spark Cash Back (Business), Amex Plum (Business)

Gamma
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Location: Los Angeles, CA

Postby Gamma » Tue Apr 14, 2015 1:01 am

Brad Bishop wrote:My everyday payment is cash except for the 5% categories with Discover. Also, Discover is my online card (Amazon and the like).

A year ago I thought Discover was kind of a joke. I really like the card and the easy-peasy 5% categories help with that but also their mobile applications along with their website. It's all just really well done.

If you compare it to Amex, it's like night and day. Anything I'd want to do is available on Discover's website and mobile apps. With Amex it feels like you can see recent transactions and check and pay your balance. Maybe that's not quite fair but Amex's web and app presence just seems thin to me.

Why cash on what would be 1% purchases? I'd just put everything on the discover card to maximize cashback.

Also, my everyday cards is the old Amex Blue Cash for groceries, gas, and drug store, Target RedCard for Target purchases, and Citi double cash for everything else.

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Vattené
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Postby Vattené » Thu Apr 16, 2015 11:37 am

I am currently using my Amex ED as my default to build up MR (I'm thinking I'll convert to Avios for an international flight on British Airways, but I'll be doing more in-depth reaearch when that time gets closer), but I completely agree with Brad Bishop about Amex vs. Discover. I love everything about Discover. Their website and app is much better than Amex's in my opinion, and you have to have Amex's highest tiered (read: most expensive) cards in order to get decent customer service. Whenever I do cash out in MR, I may go back to giving Discover the vast majority of my spending.

If the Discover it Miles card was available at the time and if I knew Amex would be axing backdating, I may have favored it over the Amex ED. Discover still gets plenty of spending from me, however, between the 5% category this quarter and a few regular merchants/bills that don't accept Amex.
-Vattené
FICO-8:
EX - 809 (11/16) | TU - 803 (11/16)
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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