Best card for different situations?

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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Twisted Innovator
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Best card for different situations?

Postby Twisted Innovator » Thu Jan 03, 2013 8:14 pm

Hello all,

I've been reading the board and seeing many people using different cards for different things. I'm mostly concerned with groceries, gas, and movies. It looks like the Chase Freedom is the best all around, because of different times of the year. That might be a good one for me to start off with, since I'm new to isolating my cards for just certain things. I also looks like the Penfed card is the best for just gas purposes. What are your thoughts on which card to use for different situations? Thank you for your input :)


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Postby agp » Thu Jan 03, 2013 10:06 pm

If all you want is cash back, then get the Bank of America 3-2-1 card (or whatever it's called). It gives 3% on groceries, 2% on gas all the time (or the other way around). If you want to redeem points at airline/hotels, then stick with Chase Freedom. Having a checking account with them helps too.

Main Card: Amex Platinum
For gas: Penfed Platinum Cash Rewards
For travel & dining: Chase Sapphire Preferred

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Postby MemberSince99 » Fri Jan 04, 2013 5:31 am

Chase Freedom is a good choice also Amex BCP and BCE, my Associated Bank card offers 3% on gas groceries and drug stores, I believe the Chase Amazon card might be of interest as well. Discover IT offers 5% rotating quarterly movies and gas categories too.

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Postby jmtdallastx » Fri Jan 04, 2013 9:01 am

AmEx BCP for me. Year round I get 6% for groceries and 3% for gas. Everything else I use my Citi cards so I can get AA miles.

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Postby matt21484 » Fri Jan 04, 2013 9:33 am

I would do two cards if you can stomach the added bit of complexity. Amex Blue Cash Preferred for 6% on groceries (grocery stores only, no WalMart, Target, Costco, etc) on up to $6000 purchases, plus 3% back on gas (unlimited cashback). If you are worried about hitting your limit on the 6K, then I would add the Chase Freedom and use that when you reach your limit &/or when gas is in the 5% cashback group. The Amex has a $75 yearly fee and the Chase card is free.
Amex has a free version of the card, but it only gets 3% on groceries, (no limit though) & 2% back on gas

EDIT: all Amex Blue Cash cards now have the $6K spending limit on grocery stores. Once you hit this limit you only earn 1%
PNC Everyday Rewards Visa ($12.5K - 2006)
Macy's store charge ($700 - 2009)
Amex Blue Cash Preferred ($10K - 2011)
Chase Sapphire Preferred Visa ($5K - Jan 2013)

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Postby domoken » Mon Jan 14, 2013 9:32 am

I use Blue Cash Everyday for Groceries, BankAmerica cash rewards for Gas, and my Chase Sapphire Preferred for everything else.

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Postby Calipso » Wed Jan 16, 2013 6:23 pm

OP, look at the credit cards in my sig. The rewards cards each have their own little role. I make use of most of em.
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

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Postby Robrus1 » Thu Jan 17, 2013 7:49 am

I think if I were to start over, I'd carry US Bank Cash Plus for 5% bill pay and one more category, Amex Blue Cash Preferred for gas and groceries, CSP for travel and dining, and Freedom for 5% categories. I'd probably keep my Discover card for 5% categories too.
Amex Platinum
Amex BCP 21K
Amex SPG 5K
Barclaycard Arrival Plus WEMC 5K
Chase Sapphire Preferred 23.5K
Credit Union 10K
Discover IT 7.75K

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Postby djrez4 » Thu Jan 17, 2013 9:00 am

You could collect cards to keep and use for specific categories...

or you could grab a few decent no-fee cards to keep for the long haul and then put your daily spending on your most recent card to get the signup bonus.

Also, Prodigy fan?
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]

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