Challenge: Choose your Trio!

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American
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Challenge: Choose your Trio!

Postby American » Mon Jul 23, 2012 5:20 pm

Alright here is the challenge: you have to choose 3 different cards (the first is your primary daily spending card, your second is its side kick who'll give you nice bonuses in categories, and the third is your travel card). Your credit is stellar, but you cannot spend more than $450 found annual fees.

What 3 cards do you choose?
American Express '02: Platinum, Blue Cash Preferred 6k, SPG 2k, Delta Gold 1k
Barclaycard '11: Apple Financing Card 2.5k
Citi: Diamond Rewards 1.5k
Chase: Freedom 500
Discover '12: Discover IT 1.5k


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Snowman
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Postby Snowman » Mon Jul 23, 2012 6:31 pm

1.) Chase Freedom, from what I have researched, one of the best cashback cards out there. I would apply, but I do not bank with Chase, but I do have a BOFA card that is somewhat decent.
2.) My Side kick would be either 3 cards, the Citi thank you card, AMEX BCEP or BCE, or U.S. Bank's Cash + Card. And if I really wanna aim high, the AMEX Gold card.
3.) Travel card, I would have to say the Chase Sapphire Preferred, or Chase Sapphire card itself because of the rewards. I have another one in mind, but idk if I would ever use it much.

These are my dream cards, and acquiring either one or two would be okay for me. ;)
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.

MemberSince99
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Postby MemberSince99 » Mon Jul 23, 2012 6:46 pm

If you are looking strictly at dollars and sense, your #1 card is Amex BCP with 6% groceries 3% gas and 1% all else. Then either Chase Freedom with Chase Sapphire Preferred (plus a Chase checking account) OR Discover More with rotating 5% categories with either Chase Freedom also with rotating 5% categories OR US Bank Cash + with two selectable 5% categories, one 2% and 1% everything else.

Travel might change things if heavy enough and if Chase Sapphire preferred isn't in there. But in terms of general rewards, that is probably as good as it gets.

FutureBillionaire
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Postby FutureBillionaire » Mon Jul 23, 2012 8:31 pm

Amex BCP
Penfed Platinum Rewards (Barrrrely beating out US Bank Cash +)
Discover Escape

Boom! I could get by with just those 3 cards easily. I want to cheat and add the US Bank one though...
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

American
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Postby American » Mon Jul 23, 2012 10:56 pm

Here are mine:
Freedom (always my go to)
BCP (that way you always have gas and groceries)
Sapphire (works soooooo well with freedom)

Close 4th: US Bank Cash+
American Express '02: Platinum, Blue Cash Preferred 6k, SPG 2k, Delta Gold 1k
Barclaycard '11: Apple Financing Card 2.5k
Citi: Diamond Rewards 1.5k
Chase: Freedom 500
Discover '12: Discover IT 1.5k

jeffysdad
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Postby jeffysdad » Tue Jul 24, 2012 7:27 am

Now:
Amex Blue Cash Preferred
US Bank Cash+
Fidelity Amex

If I traveled a lot:
Chase Sapphire Preferred
Chase Freedom
US Bank Cash+
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.

agp
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Postby agp » Tue Jul 24, 2012 10:20 am

here's my weapon of choice:

1. Amex Blue Cash Everyday/Preferred
2. Chase Freedom
3. Chase Sapphire Preferred

Main Card: Amex Platinum
For gas: Penfed Platinum Cash Rewards
For travel & dining: Chase Sapphire Preferred

FutureBillionaire
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Postby FutureBillionaire » Tue Jul 24, 2012 11:23 am

I guess I need to review the Sapphire Preffered in more detail. It has never appealed to me, but the folks that I trust on here seem to swear by it.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

agp
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Postby agp » Tue Jul 24, 2012 11:30 am

Are you saying that you trust me? :D

Main Card: Amex Platinum
For gas: Penfed Platinum Cash Rewards
For travel & dining: Chase Sapphire Preferred

hematino
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Postby hematino » Tue Jul 24, 2012 12:59 pm

I like FutureBillionaire's combo, probably I'd chooose the same thing:

Blue Cash Preferred
PenFed Platinum Cash Back Rewards
Discover Escape

Pros:
- Cards run respectively on Amex, Visa, and Discover networks, so I could shop almost anywhere
- Total annual fee of $135 isn't too steep in exchange for the reward payoff
-Discover Escape provides primary insurance on rental cars
-6% cashback at tons of stores with the Blue Cash Preferred, via grocery store gift cards
-PenFed cards and Discover cards have no foreign transaction fees
-All three companies have stellar customer service, none of what you get dealing with Citi or Crapital One
-If I need to carry a balance, PenFed interest rate is a low 9.99% until sometime 2014 and still stays the lowest of the three afterwards
-Rewards don't get easier: PenFed Platinum Cash Rewards are applied to the monthly bill automatically; Amex and Discover are applied manually (all cash back no points)

Cons:
-Can't get more than 2% on restaurants and utilities, which would be possible with cards like Freedom or Cash+
-When Amex and Discover aren't accepted, you're faced with a paltry 0.25% cashback on non-gas purchases
-Discover's credit limit stinginess
-No EMV chipped cards for those that want them
-Won't work for agp, as there is no Barclays US Airways card to scrape the crumbs off his table :)


All in all I find it to be a pretty formiddable trio!
Now she's eyeless.
The snakes she held once
Eat up her hands.



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