What's you favorite card for these Catagories

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18 posts
DavidNY
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Postby DavidNY » Tue Aug 14, 2012 11:40 am

1 and 2. It depends on the merchant, sometimes I get 5% cash back for using a particular card. If not, I use Fidelity Amex or Priceline Visa if the merchant doesn't take Amex. Gas gets paid with BofA Cash Rewards except when 5% deals are in effect.

3 and 4. I don't have one.


FutureBillionaire
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Postby FutureBillionaire » Tue Aug 14, 2012 12:09 pm

Now that I have the US Bank Cash + on the way, all of my bills will be paid with that card. I will also use it for restaurants along with my Citi Forward. I do believe that I have the best collection of cash back/rewards cards to get the most bang for my buck. Now, to take over the world! Muaahahahahahahahahaaaaaaaaaaaaaaaaaaaa!!!!!
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

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t528491
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Postby t528491 » Tue Aug 14, 2012 1:08 pm

1: Discover It. Gotta love the rotating categories. I'm not too happy that the base cashback rate is only 0.25%, but it'll do for now.
2: Amex Zync. I haven't actually received this card yet, but since it has 1% cashback, it would be best suited for large purchases.
3. Discover It. I guess I would use this card if I absolutely HAD to carry a balance, but I'm certainly not planning on it.
4. Capital One Secured. I hate this card. I'm only keeping it because my cell phone service doesn't take Amex or Discover, and because it's my second oldest account.
[size=80]
02/12 Authorized user on Chase Freedom ($5000)
08/12 Discover It ($1500)
08/12 American Express Zync (NPSL)
12/12 NFL Visa ($500)[/size]

[size=60]Future cards:
Citi Forward for Students 6/13
American Express Blue Cash Everyday 1/14
Sallie Mae World Mastercard 2014
Chase Freedom 2014
Penfed Platinum Rewards Card 2015[/size]

432521
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Postby 432521 » Tue Aug 14, 2012 1:14 pm

1. My Chase Freedom, only a 500 limit but I pay it off more than twice a month just so I can keep on using it

2. Discover More/ It- this card has my highest limit so if I ever need to buy anything big I would use this

3&4- I am going to assume that this is going to be my AMEX and my Wellsfargo Card. I still use my wellsfargo card at least once or twice a month just because it is my oldest open line. And I got the AMEX mainly for future backdating.
March 2011- Wellsfargo Cash Back College Card
May 2012- Chase Freedom
May 2012- Discover IT
August 2012- American Express Blue Cash Everyday

GomezMcSqueeze
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Postby GomezMcSqueeze » Tue Aug 14, 2012 3:15 pm

1. Chase Freedom/AMEX BCE

2. Navy Federal cashRewards

3. USAA Rewards - American Express ( I will soon be opening an Active Duty mastercard with them to take advantage of the APR reduction during deployments. )

4. N/A
NFCU cashRewards $6000 @ 10.65%

USAA Rewards $6000 @ 11.9%

Hilton HHonors $6000 @ 15.24%

Chase Freedom $3000 @ 17.9%

Blue Cash Everyday $3500 @ 22.24%

FutureBillionaire
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Postby FutureBillionaire » Tue Aug 14, 2012 5:53 pm

GomezMcSqueeze wrote:1. Chase Freedom/AMEX BCE

2. Navy Federal cashRewards

3. USAA Rewards - American Express ( I will soon be opening an Active Duty mastercard with them to take advantage of the APR reduction during deployments. )


4. N/A


What type of rewards do you get with NFCU and USAA?
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

GomezMcSqueeze
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Postby GomezMcSqueeze » Tue Aug 14, 2012 6:48 pm

To be honest the rewards structure for both of those cards is not all that great. The cashRewards card gives 1% until you $10,000 in spending. From there it goes to 1.5%. The USAA AMEX gives one point for all regular spending and two points for groceries and gas. The odd thing about the USAA rewards program is that you can't redeem one point for one cent unless you use their mobile app.
NFCU cashRewards $6000 @ 10.65%

USAA Rewards $6000 @ 11.9%

Hilton HHonors $6000 @ 15.24%

Chase Freedom $3000 @ 17.9%

Blue Cash Everyday $3500 @ 22.24%

GomezMcSqueeze
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Postby GomezMcSqueeze » Tue Aug 14, 2012 6:52 pm

Despite the weak rewards structure, I would still use these cards for big purchases/emergencies because they provide me with my lowest APRs. 10.65% on the NavyFed and 11.9% on the USAA.
NFCU cashRewards $6000 @ 10.65%

USAA Rewards $6000 @ 11.9%

Hilton HHonors $6000 @ 15.24%

Chase Freedom $3000 @ 17.9%

Blue Cash Everyday $3500 @ 22.24%



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