How many rewards cards do you carry?

All about maximizing your rewards!
Members share tips and tricks for getting the most miles, & points.
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Calipso
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Joined: Mon Oct 29, 2012 2:50 pm
Location: Boston

Postby Calipso » Sun Dec 09, 2012 7:31 pm

I have about 20 credit cards. Won't close most due to age of the accounts.

My reward cards:

-Navy Federal nRewards (Never carry, use once in a blue moon)
-Chase Sapphire Preferred (Signed up for the bonus, use to transfer Freedom points to Southwest Airline)
-Chase Freedom (Obvious reasons)
-Chase Amazon Visa (No annual fee but haven't used due to Discover Q4 2012)
-Jetblue Amex (Very rarely use, won't cancel due to very high credit line and my first AMEX)
-Amex BCE (Meh, I like it and no annual fee)
-Amex Delta Skymiles Gold (Will keep it for one more year due to being grandfathered into the last companion pass generation of gold members. Got in July 2012, was told I would get a companion pass on first renewal only.)
-Amex Hilton HHonors (Signed up for bonus. No good reason to use otherwise)
-Citi Forward (Don't like it, but converted over from Citi Platinum Select that I had since 2005?)
-Discover More (Used a lot in Q3 and Q4 2012)
-Barclay's NFL Extra Points (Signed up just for the bonus. Will keep active once every six months due to decent credit line and no annual fee)
My Limits:
NFCU NavCheck: $15,000/NFCU Platinum: $11,500/NFCU nRewards: $8,000
Chase Freedom: $6,500/Chase Slate: $6,000/CSP: $5,000/Marriott Rewards Primier: $5,000/United MileagePlus Explorer: $5,000/Southwest Primier: $3,000
Citi Hilton HHonors: $9,700/Citi Simplicity: $8,200/Citi Forward: $5,500
AMEX Blue Cash Everyday: $8,000/SPG AMEX: $5,000/AMEX Everyday: $5,000/AMEX Delta Skymiles Platinum: $3,400
Discover IT: $7,700
Barclay's NFL Extra Points (Carolina Panthers): $5,000
DCU Platinum: $3,000
RTN FCU CC: $2,000
CCCU Platinum Rewards Visa: $2,000

Current total limit: $129,500


FutureBillionaire
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Joined: Sun Jun 19, 2011 2:37 pm
Location: Down South

Postby FutureBillionaire » Mon Dec 10, 2012 1:09 pm

Calipso wrote:-Citi Forward (Don't like it, but converted over from Citi Platinum Select that I had since 2005?)


Why don't you like the Citi Forward?
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

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Calipso
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Posts: 195
Joined: Mon Oct 29, 2012 2:50 pm
Location: Boston

Postby Calipso » Tue Dec 11, 2012 1:44 am

FutureBillionaire wrote:Why don't you like the Citi Forward?


It's not that I don't like it, it's more like I don't need it.

I prefer CSP for the UR points for restaurants.
I've been using my Discover More for the online purchases Q4 2012.

I only have the Cito Forward right now because I converted a useless Citi Platinum Select via product change. I don't like using Citi Easy Deal points or Citi Thank You points. Once Jan 2013 comes around, it will be only used for Amazon.

Come to think of it, I should cancel my Amazon Visa. It's extremely pointless to have. Signed up for it just for the $50 bonus.
My Limits:
NFCU NavCheck: $15,000/NFCU Platinum: $11,500/NFCU nRewards: $8,000
Chase Freedom: $6,500/Chase Slate: $6,000/CSP: $5,000/Marriott Rewards Primier: $5,000/United MileagePlus Explorer: $5,000/Southwest Primier: $3,000
Citi Hilton HHonors: $9,700/Citi Simplicity: $8,200/Citi Forward: $5,500
AMEX Blue Cash Everyday: $8,000/SPG AMEX: $5,000/AMEX Everyday: $5,000/AMEX Delta Skymiles Platinum: $3,400
Discover IT: $7,700
Barclay's NFL Extra Points (Carolina Panthers): $5,000
DCU Platinum: $3,000
RTN FCU CC: $2,000
CCCU Platinum Rewards Visa: $2,000

Current total limit: $129,500

sparkygoblue
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Posts: 3
Joined: Tue Dec 11, 2012 2:57 pm
Location: United States

Postby sparkygoblue » Tue Dec 11, 2012 3:39 pm

Hello everyone, I started lurking in this forum a few weeks ago after discovering it. I recently got into maximizing my return on reward cards, and this forum has been a great help. If figured this would be a good thread for my first post.

Here are the cards I carry everyday:

Discover More Card (rotating categories)
Chase Freedom (rotating categories)
Amazon Card (Amazon, drugstores, and restaurants)
Bank of America Cash Rewards (groceries and gas)

My wife and I just got approved for the US Bank Cash+ card. We applied at our local branch and we're approved on the spot. We also signed up for a gold package checking for the extra 25% reward points. Really excited about this card, which I found out about through this forum, thanks!

I'd like to add an Amex card at some point as well, either the True Earnings (we're Costco members) or the Fidelity Amex.

sticf
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Joined: Mon Jul 18, 2011 10:08 pm
Location: Houston

Postby sticf » Fri Dec 14, 2012 6:07 am

I have cut the cards I carry down to 2...
US Bank Cash+ (Selected Categories + 25% from my checking account)
Venture (2% on everything else)

I rotate 1 my Cash+ 5% categories depending on my past few years spending habits. Gas and Restaurants are always included. When I have "big items" on Utilities (Auto Insurance) upcoming I rotate that into the mix by dropping Fast Food.

The Venture becomes a "cash back" card for me by using it for travel with my company. I take roughly 2 trips a year for my company. I build up miles throughout the year, then use those miles for statement credit on travel expenses during my company trips. When I turn in my expense report my miles are converted to "cash". If I ever change jobs or no longer travel for the company I will likely just use the miles on personal vacations.



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