Best Rewards Cards in my Wallet

All about maximizing your rewards!
Members share tips and tricks for getting the most miles, & points.
28 posts
FutureBillionaire
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Best Rewards Cards in my Wallet

Postby FutureBillionaire » Mon Aug 05, 2013 5:17 pm

I must say that my CSP, Chase Ink, and Chase Freedom are earning me some serious rewards. I'm a very happy camper after redeeming UR points for free Southwest flights.

I have two Penfed platinum rewards cards that earn me plenty of points. It's easy to get cash rewards in the form of prepaid debit cards.

Discover IT is a favorite due to the easy of rewards and the extra value you get when redeeming for gift cards.

My BCP is earning me good rewards, but it isn't as good now with the cap. I would have burned more spending on there, but I wanted to avoid an FR.

I'm actualy still loving the Cash +. Unlimited 2% at drugstores is helpful to me right now. I also use it for Bookstores and Restaurants. I obviously would much prefer to have billpay and home improvement stoers. But, I take what I can get. It's still a great card.

My PRG was kept due to the grocery store bonus. I'm going to use the points for Hilton I think. What's the best redemption for MR points? Any tips?

End rambling.
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


nishant
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Postby nishant » Sun Aug 11, 2013 2:59 pm

Citi Forward 5% on restaurant and fast food can free up Cash + 5% category for replacing with electronic stores.

Once BCP 6% yearly $6000 cap is reached, switch to Starwood preferred gold to earn points on grocery for 1:1 transfer to Delta or other airline (Not United which is half benefit)

Alternative to SPG after reaching BCP cap is US bank Flex perks travel rewards which gives equivalent of 4% in points if your monthly max spending is in Grocery, airline or Gas category. If not, you get 2%.

FutureBillionaire
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Postby FutureBillionaire » Mon Aug 12, 2013 3:52 pm

nishant wrote:Citi Forward 5% on restaurant and fast food can free up Cash + 5% category for replacing with electronic stores.

Once BCP 6% yearly $6000 cap is reached, switch to Starwood preferred gold to earn points on grocery for 1:1 transfer to Delta or other airline (Not United which is half benefit)

Alternative to SPG after reaching BCP cap is US bank Flex perks travel rewards which gives equivalent of 4% in points if your monthly max spending is in Grocery, airline or Gas category. If not, you get 2%.



I use my citi forward. I like to use all of my cards for half of the month, so I opted for restaurants on cash +. I use Discover for electronics stores, if I need to buy anything from there.

I plan to research the flex perks.

I don't fly Delta, so I don't want to deal with SPG solely. I would add it as another card early next year to boost my AAoA.
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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Location: Boston

Postby Calipso » Mon Aug 12, 2013 5:56 pm

Been using my AMEX Hilton for purchases that don't fall into any real rewards category.

Currently using:
-Chase Freedom for Gas Q3 (transfering points to CSP then to Southwest). Made one gas purchase on Discover for the heck of it due to 5% CB Q3 like Chase Freedom.
-CSP for restaurant purchases.
-Blue Cash Everyday for grocery purchases.

I was just approved for the Starwood Guest Amex, had to cancel my JetBlue AMEX to get it. (New four card AMEX limit applies to even me). Canceling my Citi Diamond Preferred, Chase Air-Tran and Chase Amazon cards soon. Them serve me no purpose and have outlived their usefulness.
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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Postby FutureBillionaire » Mon Aug 12, 2013 6:34 pm

Calipso wrote:Been using my AMEX Hilton for purchases that don't fall into any real rewards category.

Currently using:
-Chase Freedom for Gas Q3 (transfering points to CSP then to Southwest). Made one gas purchase on Discover for the heck of it due to 5% CB Q3 like Chase Freedom.
-CSP for restaurant purchases.
-Blue Cash Everyday for grocery purchases.

I was just approved for the Starwood Guest Amex, had to cancel my JetBlue AMEX to get it. (New four card AMEX limit applies to even me). Canceling my Citi Diamond Preferred, Chase Air-Tran and Chase Amazon cards soon. Them serve me no purpose and have outlived their usefulness.


The Chase Amazon is actually on my list to acquire, but I might not because I value their relationship. I"m hoping that Amex comes out with a useful card besides the blue cash. I wonder if I can have more than one of the same 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

nishant
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Location: Chicago

Postby nishant » Mon Aug 12, 2013 10:53 pm

Citi Forward offers more advantage of 5% cash back on Amazon.

FutureBillionaire
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Location: Down South

Postby FutureBillionaire » Tue Aug 13, 2013 3:33 pm

nishant wrote:Citi Forward offers more advantage of 5% cash back on Amazon.


It's only 5% if you have another card that allows it.
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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Location: Boston

Postby Calipso » Wed Aug 14, 2013 2:47 pm

FutureBillionaire wrote:It's only 5% if you have another card that allows it.


I have the Citi Forward. 5% back on amazon. I haven't used my Forward card in a year and when I cancel my Chase Amazon VISA i'll going back to this.
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

TheLethargicAge
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Joined: Tue Oct 16, 2012 11:20 pm
Location: Miami, Cuba

Postby TheLethargicAge » Wed Aug 14, 2013 3:57 pm

FutureBillionaire wrote:I must say that my CSP, Chase Ink, and Chase Freedom are earning me some serious rewards. I'm a very happy camper after redeeming UR points for free Southwest flights.

I have two Penfed platinum rewards cards that earn me plenty of points. It's easy to get cash rewards in the form of prepaid debit cards.

Discover IT is a favorite due to the easy of rewards and the extra value you get when redeeming for gift cards.

My BCP is earning me good rewards, but it isn't as good now with the cap. I would have burned more spending on there, but I wanted to avoid an FR.

I'm actualy still loving the Cash +. Unlimited 2% at drugstores is helpful to me right now. I also use it for Bookstores and Restaurants. I obviously would much prefer to have billpay and home improvement stoers. But, I take what I can get. It's still a great card.

My PRG was kept due to the grocery store bonus. I'm going to use the points for Hilton I think. What's the best redemption for MR points? Any tips?

End rambling.


Just out of curiosity, why do you miss the home improvement stores category?
Blue Cash Preferred ($24K), Costco TrueEarnings ($8K), Better Balance Rewards ($6K), CashForward ($15K), Sallie Mae Rewards ($10K), Quicksilver ($17K), AARP Rewards ($15K), Freedom ($15K), Double Cash ($16.5K), It ($28.5K), Fidelity Investment Rewards ($18K), Cash+ ($11K)

Giovanni
 
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Joined: Thu Aug 15, 2013 1:46 am
Location: Sac

Postby Giovanni » Thu Aug 15, 2013 1:58 am

FutureBillionaire wrote:It's only 5% if you have another card that allows it.


May I ask for clarification? Thanks.



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