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 PRG, Amex EveryDay, Amex BCE, Barclaycard Arrival, Cap One Venture One, CSP, Chase Freedom, Discover it, Macy's Star Card, Wells Fargo Propel 365 Amex, Wells Fargo Visa Sig

"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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