Best Card to Pair With Amex BCP?

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anmsis
 
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Best Card to Pair With Amex BCP?

Postby anmsis » Wed Feb 13, 2013 3:54 pm

I'm looking to get a second credit card. I currently use the American Express Blue Cash Preferred for all of my purchases. Amex is great for groceries, which are my largest expense, but I would like to have another card to provide a higher return on all of the purchases that I would only get 1% on using Amex.

A few other preferences: no annual fee, no foreign transaction fees, and preferably not another Amex so I can have a backup for places that don't take Amex). I was thinking of the Capital One Cash Rewards or the Citi Forward, but there are so many cards out there to choose from! Any suggestions? Thank you in advance!


Robrus1
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Postby Robrus1 » Thu Feb 14, 2013 1:15 pm

Discover it and Chase Freedom are good cash back cards with quarterly rotating categories. Chase Freedom does have foreign transaction fees, the Discover does not, but it is not as widely accepted. Penfed or Priceline Visa, perhaps? I don't know if the Penfed cash back card has FTF's, the Priceline Visa does, unfortunately. I can't think of any exceptional cash back cards with both no annual fees and FTF's. Hopefully someone else can, but these are all good cash back cards.
Amex Platinum
Amex BCP 21K
Amex SPG 5K
Barclaycard Arrival Plus WEMC 5K
Chase Sapphire Preferred 23.5K
Credit Union 10K
Discover IT 7.75K

FutureBillionaire
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Postby FutureBillionaire » Thu Feb 14, 2013 1:30 pm

The citi forward is a good card, but it doesn't seem to be available now. I would recommend a Chase freedom or the penfed platinum rewards card.
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

TheLethargicAge
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Postby TheLethargicAge » Thu Feb 14, 2013 2:47 pm

anmsis wrote:I'm looking to get a second credit card. I currently use the American Express Blue Cash Preferred for all of my purchases. Amex is great for groceries, which are my largest expense, but I would like to have another card to provide a higher return on all of the purchases that I would only get 1% on using Amex.

A few other preferences: no annual fee, no foreign transaction fees, and preferably not another Amex so I can have a backup for places that don't take Amex). I was thinking of the Capital One Cash Rewards or the Citi Forward, but there are so many cards out there to choose from! Any suggestions? Thank you in advance!



-Chase Freedom (1% everywhere, 5% on rotating categories)

-Capital one Spark Cash (2% on everything and, yes, a $59 annual fee, but still worth it. It's a business card, so just use your name as the business name and your SSN as the Tax Id Number). The CO Cash Rewards is not a bad option either. It just comes down to whether that extra .05% the Spark Cash gives you is worth the annual fee.

-Costco TrueEarnings Amex (I know you don't want another Amex, but the backdating will certainly help you, plus 2% on restaurants and travel, 3% on gas including gas at Costco)

Discover IT sounds promising too

I'd advise you to stay away from cards with points-based reward programs or gimmicky redemption options (**cough**Priceline Visa**cough**) or conversion rates under 1 cent per 1 point.

(Obviously, the Freedom is an exception to that rule, what with it being a points card with a 1 cent/1 point conversion rate)

I'm assuming you're only interested in cash back.
Blue Cash Preferred ($24K), Costco TrueEarnings ($8K), Better Balance Rewards ($6K), CashForward ($15K), Sallie Mae Rewards ($10K), Quicksilver ($17K), AARP Rewards ($15K), Freedom ($15K), Double Cash ($16.5K), It ($28.5K), Fidelity Investment Rewards ($18K), Cash+ ($11K)

Money card
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Postby Money card » Thu Feb 14, 2013 10:18 pm

I would suggest the capital1 venture card, it's free for the first year. when your annual fee comes in just call capital1 and tell them that you want to lower your level from the Blue to the gold colored (venture one). no annual fee and no foreign transaction fee on that version.

1.25 miles per dollar spent, you also get concierge service.
then there's the Bank of America travel card with no annual fee or foreign transaction fee
1.50 points per dollar spent.
the Chase Freedom has a 3% foreign transaction fee from what I was told.



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