Best general spend card?

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kenzx
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Best general spend card?

Postby kenzx » Mon Feb 17, 2014 7:39 pm

Hello,

I'm currently using my Cap1 Quicksilver for all general spend, is there currently anyone else that offers 1.5% or better?

The only ones I've heard of are the Cap1 Venture and Barclay Arrival, but from what I can understand, those are only 2% if redeemed for travel expenses?


Thanks


FutureBillionaire
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Postby FutureBillionaire » Mon Feb 17, 2014 10:53 pm

Discover Escape
US Bank Cash +
BofA Travel Rewards
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

luvbullmarkets
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Postby luvbullmarkets » Tue Feb 18, 2014 1:32 pm

Fidelity AMEX with 2% cash back on all purchases. You will need to open an account with Fidelity.
Amex EveryDay, Amex BCE , Barclaycard Arrival+ WEMC, CSP Visa Signature, Discover it, Wells Fargo Propel 365 Amex

"Attack this day with a level of enthusiasm unknown to mankind." - Jack Harbaugh

freyj6
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Postby freyj6 » Tue Feb 18, 2014 2:39 pm

Barclaycard and Venture are better than Quicksilver if you have >$12k uncategorized spending on them and you travel enough to use the points. Otherwise the annual fee isn't worth it.

I think that if you have groceries, gas, restaurants, amazon, department stores, etc covered by other cards (you can get at least 5% on those), you shouldn't have a ton of uncategorized spending.

Cheers
Current Strategy

Chase Freedom + Discover IT + Churning

kenzx
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Postby kenzx » Wed Feb 19, 2014 11:23 am

I don't really travel at all, so the Venture and Arrival probably wouldn't be a good fit, if they can only be redeemed for travel expenses.

I currently use my Amex BCP for groceries and some department stores. The BCP tends to only last 5-6 months at the $6k/yr limit though, as I normally spend about or a little over $1k per month on groceries for myself. I'm thinking about getting the Sallie Mae card in the future, as it would provide 5% for the first $250 each month, after that point, I also order from Amazon a lot.

The rest of my spending is really mixed, I just throw it all on the Quicksilver card and it usually gets $4-5k per month of spend.

freyj6
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Postby freyj6 » Wed Feb 19, 2014 3:17 pm

Sallie Mae would be a good pickup. 5% a year on another $3,000 in groceries (and up to $9000 on Amazon) is going to do you a lot more good than trying to trade up on the Quicksilver (if you don't travel much).

If you really do have a ton of uncategorized spending and don't travel, Quicksilver is quite good.

However, in my experience most things can fall into some sort of category. For example, the US Bank Cash+ card has around 15 options for 5% categories, including some oddball stuff like furniture stores, gym memberships, cell phones, etc.

Cheers
Current Strategy

Chase Freedom + Discover IT + Churning

kenzx
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Postby kenzx » Wed Feb 19, 2014 7:33 pm

Is it possible to apply for the US Bank Cash+ card without going into a branch? I don't have any near me.

samhradh
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Postby samhradh » Wed Feb 19, 2014 8:45 pm

kenzx wrote:Is it possible to apply for the US Bank Cash+ card without going into a branch? I don't have any near me.


No, it is not.
Citi Forward ($10.1K), AmEx Blue Cash Everyday ($30K), Chase Freedom ($12.4K), Discover it ($5.5K), Barclaycard Arrival ($12.5K), L.L. Bean Visa ($5K). FICO 806 (TU), 812 (EQ), 806 (EX).

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bisbicos
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Postby bisbicos » Wed Feb 19, 2014 8:50 pm

luvbullmarkets wrote:Fidelity AMEX with 2% cash back on all purchases. You will need to open an account with Fidelity.


+1, Fidelity Amex is my go to card.
Credit Cards
American Express: Fidelity Rewards (2% cash back) 9.5k
Zync NPSL
Discover: Discover More (5% rotating categories) 12k
Mastercard: Chase Freedom (5% rotating categories) 4.6k
Visa: Citi Forward (5x pts on restaurants) 15.7k
Citi Dividend (5% rotating categories) 5.6
Capital One Journey (1.25% cash back) 1.25k
BofA AAA (5% on gas) 2.5k
PenFed Platinum Rewards (5% on gas 3% groceries) 7.5k

Future Cards
US Bank Cash +
Chase Ink

takeshi
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Postby takeshi » Thu Feb 20, 2014 8:29 am

kenzx wrote:I currently use my Amex BCP for groceries and some department stores. The BCP tends to only last 5-6 months at the $6k/yr limit though, as I normally spend about or a little over $1k per month on groceries for myself. I'm thinking about getting the Sallie Mae card in the future, as it would provide 5% for the first $250 each month, after that point, I also order from Amazon a lot.

If you spend $13,600 or more annually on groceries, gas and qualifying drug stores then the old Blue Cash may be better suited to you. It's only 1% up to $6,500 in those categories but an unlimited 5% after that.



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