- Centurion Member
- Posts: 1589
- Joined: Sun Jun 19, 2011 2:37 pm
- Location: Down South
jeffysdad wrote:Trumpet's idea about Citi Forward is a good one. I would do that except I really dislike Citi (for a few reasons). And now looking at the US Bank Cash+ catagories again my thoughts are:
Having Amex BCP preferred makes the grocery and gas choices for 2% obviously wrong. I chose 2% at drugstores, but I hardly ever shop at them.
For 5%, bill payment is the obvious first choice for me. Department stores isn't that attractive with BCP offering 3% (and I rarely go to department stores). Ditto all the other categories, except the travel, but right now air and hotel are handled by branded cards for me. I will be renting a car during the first quarter, so I might drop restaurants for that category if I can pick up 5% at restaurants with Chase Freedom.
Someone else on here said they expected the Cash+ rewards program to be downgraded in the future. I would second that. The ONLY charges I make on my card are ones that pay 5%; I suspect a lot of other people do that, too, more-so with this card because of the cafeteria-style selection process.
I will be happy with them still as long as they keep the bill pay option. I have other cards that get me the same or greater on the other categories, except for travel. But, I can just get Marriott or Southwest gift cards. Also, ShopDiscover is easy to use and very generous. I can order most of what I want online.
Jeffysdad, why don't you have a Discover Card?
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