- Centurion Member
- Posts: 875
- Joined: Thu Apr 30, 2009 2:32 pm
- Location: Texas
All of them are cashback with no annual fee. I only use 2-4 during any particular month and only carry 2 in my wallet. All are major credit cards (Visa, MC, Amex, Discover). Credit limits for each range from $5k to more than $40k. I pay balances in full every month. There are five that I don't use at all. If I tailor my usage to optimize cashback I can get roughly a nominal 2.5% cashback. For large or non-everyday purchases I check the websites to see if any of the cards offer coupons, etc. for the seller I'll be using.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).
*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.