freedom for next card or other alternative?

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
14 posts
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Location: NY

Postby cashback » Wed Jan 23, 2013 8:34 pm

DavidNY wrote:For cash back on gas I think that would be the winner.

The no-fee Sallie Mae MC has 5% off $250/month on groceries, $250/month on gas and $750/month on bookstores such as Amazon.

The winner depends on where you use your card.

IMO there is no "winner." You need all the cards in order to have a complete cash back arsenal.
Credit Cards
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

Not Used
Citi Simplicity - 5K, Sam's Club Discover - 10K

Future Cards
Sallie Mae World Mastercard

Exp 772 - TU 781 - Equ 781

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Postby beef.stu » Thu Jan 24, 2013 1:25 am

alright thanks for everyones input. I think i will go for the freedom over the Discover It because of the bonus and because I would like to add a mastercard to my wallet.

Do you all think Chase will not like that I have a hard inquiry on my report from 3 months ago? (It should be the only one on there) And also does anyone think that it is likely that Chase will sweeten the Freedom's signup bonus in the coming month or two? It seems like they have been up-ing the amount for short periods the past couple years.
(01/10) - Wells Fargo Cash Back VISA Signature
(05/10) - Techron Advantage
(10/12) - Amex BCE
(02/13) - Chase Freedom VISA
(09/13) - Discover It
(03/14) - Sallie Mae Commence WMC
(09/15) - Citi Double Cash WEMC
(09/16) - US Bank Cash+ VISA Signature
(01/17) - Amazon Prime Rewards Visa Signature

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Postby FutureBillionaire » Thu Jan 24, 2013 10:36 am

cashback wrote:Uncapped BCP is the best card out there with the gift card potential. Capped BCP is just a 4.75% grocery card.

I have to agree, with the Penfed being a close second.
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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Postby DavidNY » Thu Jan 24, 2013 10:56 am

cashback wrote:Uncapped BCP is the best card out there with the gift card potential.

For now .

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