What are your ideal 5% categories?

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FutureBillionaire
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Location: Down South

What are your ideal 5% categories?

Postby FutureBillionaire » Fri Nov 30, 2012 9:30 am

Mine are:

Gas
All restaurants
Groceries
Online shopping
Airlines
Hotels
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


Vermonster
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Location: NJ

Postby Vermonster » Fri Nov 30, 2012 9:33 am

Gas
Restaurants
Groceries
Online shopping
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k

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Snowman
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Location: North Los Angeles County

Postby Snowman » Fri Nov 30, 2012 10:04 am

Gas
Restaurants
(I don't shop for Groceries much)
Online shopping
Travel
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.

cashback
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Location: NY

Postby cashback » Fri Nov 30, 2012 10:43 am

Everything. Lol
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

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

Postby FutureBillionaire » Fri Nov 30, 2012 11:44 am

cashback wrote:Everything. Lol


Good answer, lol.
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

sakhalin
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Posts: 249
Joined: Thu Jul 05, 2012 6:55 pm
Location: West Coast

Postby sakhalin » Fri Nov 30, 2012 12:11 pm

Gas
Online Shopping (love the current Discover quarter)
Groceries
Restaurants
Electronics Stores
AMEX BCE ($20,000), Citi Forward ($6,800), Discover IT ($5,250), BoA Travel Rewards ($1,800)

ChrisR2020
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Location: Charlotte/NC

Postby ChrisR2020 » Fri Nov 30, 2012 3:17 pm

For me, it would be:
Grocery
Gas
Restaurants
[font=Century Gothic][size=60][/size][/font]Chase freedom visa 12k / American Express BCP 25k / Capital One Quicksilver visa sig13k / barclaycard rewards mc 8k / Citi simplicity visa 12k / Capital One cash rewards mc 5k / BB&T visa Sig12k / Citi Thank you preferred mc 10k / BOFA visa 12k / Citi Dividend visa 6k

MemberSince99
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Location: WI

Postby MemberSince99 » Fri Nov 30, 2012 4:21 pm

Everything was a GREAT answer.

but ideally if it was limited to categories I'd say Bill pay first, groceries second and gas third. That's based on my spending pattern and probably wouldn't be ideal for everyone. But if I had to pick that would be it.

MaxPunishment
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Location: HelL.A./City of Angels

Postby MaxPunishment » Sat Dec 01, 2012 7:29 pm

If Discover had an uncapped 5% for online purchases as they did this past quarter, that realistically would be all I would need. I could figure out a way to make that work for the vast, vast majority of my purchases

C.K.
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Location: Michigan

Postby C.K. » Fri Dec 14, 2012 8:26 am

I would definitely say gas, groceries, and bill pay for sure.
Discover IT: $2,500 CL
BankAmericard Better Balance Rewards Platinum Plus Visa: $2,000 CL

758 FICO Score from TransUnion at no charge thanks to Discover!



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