How many rewards cards do you carry?

All about maximizing your rewards!
Members share tips and tricks for getting the most miles, & points.
35 posts
Bksuper
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Postby Bksuper » Sun Oct 14, 2012 10:46 pm

&OP: I have 3 and carry all of them in a pocket accordion file CC holder. I choose based on max cash back and purchase size/limit

First post on the forums, and I would appreciate help maximizing my rewards cash back. As an 18 year old new College Freshman, I have been able to get (and thus currently carry):

1st Financial Bank Platinum Student Visa, $250 limit, No AF, 2% back on everything automatically applied as statement credit

Chase Amazon Signature Visa, $2k limit (lowered by mom from $10k before we knew about DUR), No AF, 3% back on Amazon, 2% back on pharmacies, restaurants, gas, 1% back everywhere (Card is joint owned with mom to get approved, used and managed only by me)

US Bank Cash+ Signature Visa $13.5k limit (still arguing with parents to convince them not to lower), No AF, 5% back on Bill Pay and department stores, 2% back on groceries, 1% everywhere (Card is joint owned with mom to get approved, used and managed only by me)

Hoping to soon get a Citi Forward Student Visa (No AF, 5 points/$ on restaurants, book stores, and ITunes, 1 point/$ everywhere, additional rewards for paying on time and getting good grades) and eventually an Amex BCE or Costco TrueEarnings
Sole Ownership Cards:
1st Financial Bank Platinum Student Visa, $500 CL, Open Since 3/2012
Citi Forward Student Visa, $6k CL, Open Since 10/2012
Costco TrueEarnings Amex, $6k CL, Backdates to 1/2012
SallieMae Rewards Barclay Mastercard, $2.5k CL, Open Since 4/2013
Jointly Owned Cards (co-owner with mom, not AU, used and paid only by me):
Chase Amazon Rewards Visa Signature, $2k CL, Open Since 8/2012
US Bank Cash+ Visa Signature, $13.5k CL, Open Since 10/2012
Authorized User (Parents Pay/Use)
Costco TrueEarnings Amex $29.4k CL, AU since 11/2012


hematino
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Postby hematino » Mon Oct 15, 2012 5:12 pm

I carry from day to day:

-PenFed Platinum Cash Rewards (only for 5% gas)
-Amex Blue Cash Preferred (only for 6% groceries and gift cards)
-Chase Sapphire Preferred (2% restaurants and hotels, better than Fidelity Amex, cause I can redeem any amount)
-Discover More (for rotating 5%, although this quarter it should stay home for online shopping)
-Chase Freedom (for rotating 5% categories)
-Citi Dividend (for rotating categories, electronics stores like GameStop are 5% this quarter, sweet)
-Fidelity Amex (for 2% anywhere I can't get better cash back)
-JCB Card (for 1%, where i can't get better cash back but doesn't take Amex)
-Paypal Business Debit (for 1% on the occasional situation that I can use debit but not credit cards)
-Citi Forward (Thank You points don't do it for me, but the 0% promo apr comes in handy for large purchases I can't PIF)

I choose these cards based purely on maximum cash back value. At home I keep on hand the rest:

-DCU Visa (love DCU, but lackluster rewards keep this on ice, and open only to get free EQ FICO with my checking account)
-US Bank Flex Perks (my 1st failed attempt to get the Cash+, just charge some utilities on it to show use for possible upgrade later)
-US Bank Cash Rewards (my 2nd failed attempt to get the Cash+, this one mostly languishes with its 1% in the sock drawer
-Amex Green (for stuff I want purchase protection on, but don't use it much otherwise. Was planning to switch to the cheaper Zync, but..... :( . Now I only keep it to have a charge card in my credit mix).
-Barclays US Airways Card (for the 40k sign up bonus only, and paypal transfers since they earn miles and Barclays doesn't treat them as cash advances. Getting closed come april).
-1st Financial Bank Card (only cause its my longest account, member since 2004, and only card that gets no rewards, or else it'd be shredded long ago. Once every six months for a cup of coffee at Wawa, and that's it!)
Now she's eyeless.
The snakes she held once
Eat up her hands.

rewards4me
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Postby rewards4me » Tue Oct 16, 2012 1:00 pm

Carry with me:

-Amex BCP (6% groceries/GC, 3% gas & department stores)
-US Bank Cash+ #1 (5% restaurants and hotels)
-Target Red (5% at Target)
-Fidelity Amex (2% catch-all)
-Fidelity Visa (1.5% catch-all when they don't accept Amex - goes to 2% after $15k/yr)
-Starwood Amex (2x starwood points, 5 night credit.)

Total: 6

Used, but not in wallet:

-Chase United MilagePlus Plat (grandfathered-use it for first $5k spend to get PQM. AF waived.)
-US Bank Cash+ #2 (5% bills and airlines)
-BofA Americard Travel Rewards (~2%? don't recall redemption restrictions. No AF, no FEF, has EMV chip. I use this occasionally when traveling internationally.)

Total: 4

Not using:

-USAA Amex (not using- but have to have it to do online check deposit @ USAA.)
-Chase Amazon (3% on amazon, but I've been GC'ing on BCP this year.)
-Citibank World Elite Dividend (1%, no AF, has EMV. Old account.)
-Cap1 Plat (1%, no AF, no FEF. Not really sure why I keep this card now that I have the BofA card w/no FEF.)

Total: 4

Grand total: 14 cards. Hmm, it may be time to close a few.

Money card
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Postby Money card » Sat Oct 20, 2012 2:36 am

unless i'm at the palisades mall at night or in an area of rockland that's not great area when I'm in these areas I carry only 1 credit card
leave my others at home.

but if i'm in my area or if i'm in paramus I carry all my cards.
my green american express
Discover More
Capital1 venture gold version.

now if you mean do I carry cards like the Exxon mobile and citgo the answer is.
if you mean do I have a Discover Motiva, citybank simplicity, chase slate or American express clear the answer is no I don't have any of these types of cards.

Money card
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Postby Money card » Sat Oct 20, 2012 2:38 am

the answer is 3 cards with rewards 5 total cards.

Money card
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Postby Money card » Sat Oct 20, 2012 2:49 am

FutureBillionaire wrote:How do you all determine which cards to use for different purchases? Do you carry all of the cards with you at once? How do you decide which ones to carry on a daily basis?


I guess it depends where I go , what I have on a particular card , what card I used lately. like I rotate my card plus I use cash and i'm starting to finish up my gift cards.
when I bought my brother a gift card to barnes and nobles I used my green card, when I went to target used my green card
recently I was in New York city columbus day to be exact at a sports bar called bowlmar lanes I used my gold capital1 venture card
and some places I went to I used my Discover card.

FutureBillionaire
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Postby FutureBillionaire » Sat Oct 20, 2012 1:50 pm

rewards4me wrote:Carry with me:

-Amex BCP (6% groceries/GC, 3% gas & department stores)
-US Bank Cash+ #1 (5% restaurants and hotels)
-Target Red (5% at Target)
-Fidelity Amex (2% catch-all)
-Fidelity Visa (1.5% catch-all when they don't accept Amex - goes to 2% after $15k/yr)
-Starwood Amex (2x starwood points, 5 night credit.)

Total: 6

Used, but not in wallet:

-Chase United MilagePlus Plat (grandfathered-use it for first $5k spend to get PQM. AF waived.)
-US Bank Cash+ #2 (5% bills and airlines)
-BofA Americard Travel Rewards (~2%? don't recall redemption restrictions. No AF, no FEF, has EMV chip. I use this occasionally when traveling internationally.)

Total: 4

Not using:

-USAA Amex (not using- but have to have it to do online check deposit @ USAA.)
-Chase Amazon (3% on amazon, but I've been GC'ing on BCP this year.)
-Citibank World Elite Dividend (1%, no AF, has EMV. Old account.)
-Cap1 Plat (1%, no AF, no FEF. Not really sure why I keep this card now that I have the BofA card w/no FEF.)

Total: 4

Grand total: 14 cards. Hmm, it may be time to close a few.


How do you have 2 Cash + cards?
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

jeffysdad
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Postby jeffysdad » Sat Oct 20, 2012 4:56 pm

Rewards4me, do you ever use your Fidelity Visa? I got one at the same time I got the Fidelity Amex with the same idea you had (backup), but I've only used mine once, at a gas station after I got it to see if it worked. I used to carry it but now I just leave it at home.
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.

rewards4me
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Postby rewards4me » Tue Oct 23, 2012 5:49 pm

FutureBillionaire wrote:How do you have 2 Cash + cards?


I'm the primary on one, and my wife is the primary on the other. We're both authorized users.

jeffysdad wrote:Rewards4me, do you ever use your Fidelity Visa? I got one at the same time I got the Fidelity Amex with the same idea you had (backup), but I've only used mine once, at a gas station after I got it to see if it worked. I used to carry it but now I just leave it at home.


It does get used. It's frequently Mom and Pop stores/restaurants that are unwilling to pay Amex's interchange fees. I also had it happen at beach hotel that was run by a sole proprietor.

cashback
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Postby cashback » Sat Oct 27, 2012 11:48 pm

I only carry the BCP and Gift Cards right now. As soon as I got used to using gift cards to buy everything and pay bills the BCP gets capped :-(. I was averaging about 2.8k a month of GC's.

Oh well, onto the Cash+ and PenFed!
Credit Cards
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

Not Used
Citi Simplicity - 5K, Sam's Club Discover - 10K

Future Cards
Sallie Mae World Mastercard

FICOs
Exp 772 - TU 781 - Equ 781



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