- Centurion Member
- Posts: 875
- Joined: Thu Apr 30, 2009 2:32 pm
- Location: Texas
My annual credit card spending ranges $21,000-28,000/year. Groceries, restaurants, utilities/telecom, pets are my biggest categories (in that order). Gasoline spending is immaterial, and travel varies but is usually modest compared to many people, I think.
The lineup in my signature below was reconstituted within the last six weeks or so and is working well for me so far. The only AF card is the Amex BCP. I resisted paying an annual fee for a long time. However, this card will more than pay me back, and as it happens, I've already made back the $75 annual fee by virtue of a kind forum member who pinged me for a referral, which generated a bonus. While PriorityClub has a fee, the first year is waived, and I plan to cancel before then. However, the sign-up bonus is going to come in handy soon.
A rough estimate of my nominal cash back (excluding P Club rewards) is 4.42% using the card assortment below and assuming my spending estimates don't vary widely.
Perhaps that helps.
If I were you, I would avoid AF cards as your spending is fairly modest (that's a good thing, btw). However, if you use a particular hotel chain or airline exclusively and frequently, an affiliated card might be worth considering. I myself am still skeptical of the value of Chase Sapphire Preferred (even though I'm a happy Chase customer) as I don't want to be tied down to booking travel through Chase to make the most of rewards.
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.