Your simplest lineup?

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Your simplest lineup?

Postby CarefulBuilder14 » Tue Sep 27, 2016 10:55 pm

What's the simplest lineup of cards you could see yourself adding/keeping? Not necessarily what you will do or are remotely likely to do...just what you see as possible.

If you made the (fairly unrealistic) assumptions that:
1. Simplicity was more important
2. You couldn't get new accounts
3. Nothing would be nerfed
4. No waived/dodged AFs or retention offers
...what would survive?

For myself:
1. IHG (free night and 10% back)
2. Platinum (perks)
3. Citi Double Cash (extended warranty and price rewind)
4. CSP (Costco and travel insurance)
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

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Re: Your simplest lineup?

Postby kcm7 » Wed Sep 28, 2016 12:53 pm

For me, I could narrow it down to one card and live with it:

-Barclaycard Arrival (no AF)

Dining and travel are, by far, my biggest expenditures. And I try to avoid annual fees.

-Capital One Quicksilver
-Barclaycard Arrival (no AF)
- US Bank (no rewards)

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Re: Your simplest lineup?

Postby Vattené » Wed Sep 28, 2016 5:55 pm

Not much would change for me because I don't travel enough to get too into the perks/travel rewards game.

1. Discover
2. Sallie Mae (if the card's guaranteed to stick around, having one account for category spending still isn't too complicated)

That would be my assumption since I'm still kind of experimenting with MR, but if no nerfing is guaranteed I could see using Amex ED for everything. New accounts aren't permitted, but if PCs are I might even be willing to upgrade to EDP if all my spending were to go through it.
FICO-8: EX - 827 (5/17) | TU - 824 (5/17)
My Cards: Barclay Arrival+ | Discover it | Amex ED
AU:: Discover Miles | BofA BBR | Barclay Commence (SD'd)

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Re: Your simplest lineup?

Postby JonE » Wed Sep 28, 2016 9:00 pm

I could probably live with my two non-store cards (Chase Freedom and Discover IT) as my main cards, and only cards in my wallet. That may be the case soon enough since the Synchrony cards are becoming more useless.
Wallet: Chase Freedom, Discover IT
Chopping Block: Synchrony
Future: TBD

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Re: Your simplest lineup?

Postby rockyrock » Sun Oct 02, 2016 2:10 pm

Although not getting rid of any cards, I am in the process of doing this.

The winners are: Sam's Club MC (gas, dining, travel) & Double Cash (everything else)
Sapphire Reserve: travel & dining (almost everything until I meet my initial spend)
Blue Cash Preferred: groceries & gas
Freedom: 5% cats
Double Cash: everything else

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Re: Your simplest lineup?

Postby kdm31091 » Mon Oct 03, 2016 7:28 am

For most purchases I use one of my BOA cards (AAA Visa or Wildlife Cash Rewards). It's just easier tracking spending in one place, especially since I bank with them. I don't have to remember to pay a bunch of bills outside of them. Giving up a little in rewards is worth the convenience.

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Re: Your simplest lineup?

Postby TXviking » Mon Nov 28, 2016 12:44 am

I would keep:

  • Chase Sapphire (direct line to customer service, primary car rental insurance, good rewards in general, UR point flexibility)
  • Discover IT (5% categories, best online portal and good customer service)
  • Citi Costco card (not a big Citi fan, but I am a fan of 4% cash back on fuel.)
I'd also keep a Chase debit card around for easy access to my checking account. And that'd be that. Come to think of it, that's pretty much my current lineup except that I also have an AmEx BlueSky. :ppp

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Re: Your simplest lineup?

Postby Darrvao777 » Mon Nov 28, 2016 9:04 pm

What I have in my sig :)

Amex Platinum as my main card (great service, great perks)

Fidelity Visa as my backup card (2% cashback and Visa eligibility for places that don't accept Amex + Costco)
- Fidelity Visa
- Citi Double Cash
- Amazon Prime Store Card

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Re: Your simplest lineup?

Postby TXviking » Tue May 02, 2017 12:45 am

I'd probably keep my favorite card, which ATM is the CSR. But while simplicity is a virtue, I see no reason to simplify – I have half a dozen credit cards and that gives me a good mix of benefits, not to mention backups if one card or another is not accepted at a given merchant or doesn't work correctly.

The "complexity" is simply not an issue for me at this stage. The fact that I'm sitting here going through old forum posts at 1:45AM may be an issue, but that one I blame on insomnia from jet lag. And on the fact that the forum apparently decided a bunch of old 2016 posts were "unread". :beat:

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