- Green Member
- Posts: 6
- Joined: Fri Jan 16, 2015 11:57 am
- Location: New England
Recently picked up a Barclay's Sallie Mae Mastercard for the 5% on grocery, gas, and amazon. This will basically replace my Amex Blue Everyday card, unless I go over the $250/mo limit on the MC for gas/grocery (rare). Grocery, gas, and amazon are pretty much my expenses in a nutshell, I rarely buy anything at a brick and mortar store anymore.
My other expenses include BJs for bulk items (probably $100-150/mo or so), dinners out with my gf and the occasional movie out (5-10 a year, maybe). And then other 'fun' expenses, like trips to the local ski hill, occasional travel (1-2 night hotel stays, driveable distance), ice skating, etc. Date-like things.
I have been considering upgrading my plain BJs membership to the perks plus mastercard. As I write this I realize it may be a moot issue anyway, as it essentially costs me nothing to get the BJs card (the plain membership and the MC renewal fee is basically the same). It gives 3% on BJs purchases, 10c off BJs gas (which only gets better as gas goes down), 2% restaurants and 1% else. I figured this would round out the majority of my spending, so I would essentially be getting:
10c/gal BJs gas
1% everything else
So I guess the better question is, should I add in the Citi Double Cash? To make that 1% everything else 2% instead? I auto-debit for full amount every month, so there's no carried balance. So I want to max out my cash back. Last year's total spending on my Amex (first year with a cc, so Feb 2014 - Year End) was $8600. Total in the 'everything else' category was $4800. So we are not talking a ton of cash back here, about $50 extra, roughly.
Worth it to end up with 4 cards for such a minimal amount? Or just stick with 3? I want to maximize my cash back, but I don't want to go crazy over it. Even with just the three cards it seems my Amex is going to get very minimal (if any) use.