Anything I'm Missing?

All about maximizing your rewards!
Members share tips and tricks for getting the most cash back, miles, & points.
8 posts
SteeleJester
Green Member
Green Member
 
Posts: 4
Joined: Wed Jan 30, 2013 12:23 am
Location: Sterling/CO

Anything I'm Missing?

Postby SteeleJester » Wed Jan 30, 2013 12:33 am

Looking to maximize with cash back cards, think I've got it set up for the most part.

Have so far
-Penfed Platinum Cash Rewards - Use for 5% on gas only
-Chase Freedom - Rotating 5% mostly
-Amex Everyday Blue Card - 3% on groceries
-Discover It - Online Purchases
-Chase Sapphire Preferred - Currently using for 40,000 points back

Soon to come
-Capital One Cash Rewards - Get after Sapphire Bonus for most purchases
-US bank Cash + - was going to until I heard bill pay was gone.

Any other recommendations? I'd prefer to stay away from annual fees. Don't do much traveling but might be looking into a hotel/airline given those expenses add up when they do come up.


SteeleJester
Green Member
Green Member
 
Posts: 4
Joined: Wed Jan 30, 2013 12:23 am
Location: Sterling/CO

Postby SteeleJester » Wed Jan 30, 2013 2:33 pm

Also applied by phone for Citi Forward Student Card (don't see why it wouldn't be approved) for the entertainment rewards. Tried getting the Priceline Visa but was declined. No history with Barclay the reason?

DavidNY
Centurion Member
Centurion Member
 
Posts: 1332
Joined: Tue Jul 05, 2011 12:28 pm
Location: New York

Postby DavidNY » Wed Jan 30, 2013 2:57 pm

Did you call the card issuers to have them reconsider your application? Sometimes that's what it takes, even if you have excellent credit.


FutureBillionaire
Centurion Member
Centurion Member
 
Posts: 1589
Joined: Sun Jun 19, 2011 2:37 pm
Location: Down South

Postby FutureBillionaire » Wed Jan 30, 2013 3:00 pm

PC your platinum cash rewards to the platinum rewards so you can get triple points on groceries. Then, I would PC your BCE to a BCP to get max cash back on that 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

SteeleJester
Green Member
Green Member
 
Posts: 4
Joined: Wed Jan 30, 2013 12:23 am
Location: Sterling/CO

Postby SteeleJester » Wed Jan 30, 2013 3:19 pm

Wow!! Just called on that reconsideration...approved and good to go. I would have been stuck with 1% without you guys lol. Thanks a bunch.

MemberSince99
Centurion Member
Centurion Member
 
Posts: 4776
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Wed Jan 30, 2013 3:32 pm

David is right - for sure recon with Barclays. They are one of the easier lenders to recon with. BUT don't push your luck by apping for a bunch of cards in the first 6 months after approval if you do.

I applied for an Apple Financing Visa January 2012, it was declined. I called for recon and it was approved on recon, but they did another hard pull, so be aware of that as well.

nishant
Centurion Member
Centurion Member
 
Posts: 120
Joined: Wed Dec 19, 2012 10:07 am
Location: Chicago

Postby nishant » Wed Jan 30, 2013 9:27 pm

You may consider 2% cash back no annual fee Priceline visa for stores like Walmart. That is better than Capital one world which gives 1.5% cash back


SteeleJester
Green Member
Green Member
 
Posts: 4
Joined: Wed Jan 30, 2013 12:23 am
Location: Sterling/CO

Postby SteeleJester » Wed Jan 30, 2013 11:17 pm

DavidNY wrote:Did you call the card issuers to have them reconsider your application? Sometimes that's what it takes, even if you have excellent credit.

Thanks for the heads up, the approved my recon. Would have been stuck with 1% without the info, thank you. My grocery rewards has taken a hit because the town I just moved to only has a walmart, so not much point in changing my penfed or Amex.



Return to “Rewards”

Who is online

Users browsing this forum: Google Feedfetcher and 6 guests