Need a Better Card Portfolio: What else is out there?

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Need a Better Card Portfolio: What else is out there?

Postby ozjulian » Thu Mar 13, 2014 4:49 pm

I need some advice towards a better portfolio of cards.

current roster:

23.40K AAoA 1Year. All AU cards are utilized at 15% Max.

Discover It- 1.5K AU
BOA 321- 2k AU
BOA AR- 300(Secured)AU
Freedom- 1K AU

Gas, Grocery, Travel and almost everything are paid through CC's.

What other cards should I have to maximize rewards accumulation?

Thank you for your feedback!

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Postby linuxmachine » Thu Mar 13, 2014 6:35 pm

Blue cash preferred - 6% groceries up to 6k/year, 3% gas
Sallie Mae - 5% gas/groceries up to 250/month
US Bank Cash+ - 5% dining categories up to 2k/quarter, 2% drugstores
^ All of the above are cash back

If you are interested in Amex MR points, there will be a new product in April called the Everyday Preferred. It has 3/2/1 on groceries/gas/everything else in MR, and a 50% bonus if you hit 30 transactions a month. Depending on how good your are at redeeming awards, each MR point can be worth 1.5~2 cents per point on economy travel. 3~5 cents per point on business/first class.

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Postby bisbicos » Thu Mar 13, 2014 9:30 pm

My favorite card is the Fidelity Amex, 2% cash back on everything. Its a great card for non 5% category purchases.
Credit Cards
American Express: Fidelity Rewards (2% cash back) 9.5k
Discover: Discover More (5% rotating categories) 12k
Mastercard: Chase Freedom (5% rotating categories) 4.6k
Visa: Citi Forward (5x pts on restaurants) 15.7k
Citi Dividend (5% rotating categories) 5.6
Capital One Journey (1.25% cash back) 1.25k
BofA AAA (5% on gas) 2.5k
PenFed Platinum Rewards (5% on gas 3% groceries) 7.5k

Future Cards
US Bank Cash +
Chase Ink

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