- Centurion Member
- Posts: 875
- Joined: Thu Apr 30, 2009 2:32 pm
- Location: Texas
If you carry a balance, and it sounds like you do, you should shop for the best apr card you can find and transfer your balance to that (ideally at a promotional rate) until you pay if off. Don't charge anything on this card. It is only to hold the transferred balance until paid off. Consider a Chase Slate card for this.
For you spending that you pay off every month you want a rewards card, consider a Chase Freedom or Sapphire card for this.
Citi also has similar cards, I'm sure.
Using two card instead of one will help you better manage spending and avoid interest on everyday purchases if you do it right. By having both cards at the same bank you can keep track of them on a single website.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).
*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.