5% categories

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33 posts
To My Credit
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Joined: Wed May 25, 2016 1:24 pm

Re: 5% categories

Postby To My Credit » Fri Jun 24, 2016 9:19 pm

For me, having Discover and Chase is a no-brainer. They have no annual fees, have decent bonuses ($150 for Chase and the cashback match for Discover), customer service is good, and you can count on them giving the best possible cashback in certain categories for at least a few months of the year, whatever your expenses. I mean, whatever you might feel about the rest of the categories, I can't imagine 5% cashback on groceries not being useful for anyone, which is what Chase is offering right now. And then you have them offering gas at some point, which is also something everybody needs (though perhaps to different degrees). And then of course you have restaurants. Not everyone might dine out regularly, but I do pretty much everyday and Discover has saved me $75 in 3 months (and I'll be getting $75 more with the cashback match). Chase covers me on restaurants for the next 3 months. I love these two cards and can't imagine ever not using them, no matter how much their categories are potentially nerfed.
Current cards: BankAmericard CR, BankAmericard BBR, Citi Double Cash, Chase Freedom, AmEx BCE, Discover It
Wishlist: US Bank Cash+


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CarefulBuilder14
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Location: United States

Re: 5% categories

Postby CarefulBuilder14 » Fri Jun 24, 2016 9:23 pm

To My Credit wrote:For me, having Discover and Chase is a no-brainer. They have no annual fees, have decent bonuses ($150 for Chase and the cashback match for Discover), customer service is good, and you can count on them giving the best possible cashback in certain categories for at least a few months of the year, whatever your expenses. I mean, whatever you might feel about the rest of the categories, I can't imagine 5% cashback on groceries not being useful for anyone, which is what Chase is offering right now. And then you have them offering gas at some point, which is also something everybody needs (though perhaps to different degrees). And then of course you have restaurants. Not everyone might dine out regularly, but I do pretty much everyday and Discover has saved me $75 in 3 months (and I'll be getting $75 more with the cashback match). Chase covers me on restaurants for the next 3 months. I love these two cards and can't imagine ever not using them, no matter how much their categories are potentially nerfed.

I agree...and the value is especially compelling for me since they are my two oldest accounts.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt, Arrival
May close or PC: Prestige, BrooksBros

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech

TXviking
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Joined: Fri Apr 15, 2016 5:46 pm
Location: Palm Beach, Florida

Re: 5% categories

Postby TXviking » Sun Jun 26, 2016 2:23 pm

To My Credit wrote:For me, having Discover and Chase is a no-brainer. They have no annual fees, have decent bonuses ($150 for Chase and the cashback match for Discover), customer service is good, and you can count on them giving the best possible cashback in certain categories for at least a few months of the year, whatever your expenses. I mean, whatever you might feel about the rest of the categories, I can't imagine 5% cashback on groceries not being useful for anyone, which is what Chase is offering right now. And then you have them offering gas at some point, which is also something everybody needs (though perhaps to different degrees). And then of course you have restaurants. Not everyone might dine out regularly, but I do pretty much everyday and Discover has saved me $75 in 3 months (and I'll be getting $75 more with the cashback match). Chase covers me on restaurants for the next 3 months. I love these two cards and can't imagine ever not using them, no matter how much their categories are potentially nerfed.


It's hard to argue with this. I currently have neither, but that's because I wanted CSP more (for no FTF and primary car rental insurance,) and because I don't want two more HPs right now. Complexity is also a factor; I prefer products that don't require me to be overly strategic about which card I use where.



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