ckkiw8 wrote:Hi there,
I have been considering getting a new card lately. I have a few in mind but maybe someone could suggest something that might be better. I have been considering the Discover IT and one of the Delta Skymiles (I don't travel frequently, but around 2-3 times a year and mostly with Delta). You can see what I have in my signature below. Most of you know my Costco AmEx is leaving my for another Citi card and my Citi Forward is losing it's appeal in the next month or so (with it dropping the big bookstore rewards perk). I use my Cash+ for dining and Costco AmEx for fuel, and soon the new Citi for fuel.
Any suggestions would be appreciated!
What are your biggest spending areas? What do you think you would primarily be using the card for?
I love the Discover It, but some people find it too similar to the Freedom. It's up to you of course whether you would find value in having both (I do personally).
If you're considering a non-travel, cashback card like the Discover It, one thing that seems to stand out to me when looking at the cards in your sig is that you might benefit from a straight rewards, non-category card that you could use for non-bonus spending since you already have several with different category bonuses. Maybe a Citi Double Cash (2%), Freedom Unlimited (1.5%), or Capital One Quicksilver (1.5%). That would get you up higher than the 1% you're earning on the non-category spend on the other cards...on the other hand maybe that wouldn't represent a significant figure for you, or perhaps you'd rather concentrate rewards on a specific card/lender.
On that note, I'm not really qualified to opine on travel cards since I don't play that game at all and don't have any, but at first glance it looks like you're better setup to optimize Chase Ultimate Reward (UR) points than Amex Membership Reward (MR) points. Are you sure you want to go with the Amex Delta instead of one of Chase's airline partners? If you are committed to Delta, then you may in that case want to consider another Amex card that would synergize better with it. Perhaps the Amex Everyday card?
Anyway, best of luck