credit card

[LivingAlmostLarge]

What credit card or cards do you use and what are the rewards? I am deciding on a new card.

[ShawnaC123]

Citi Forward is a good one.

5 pts back on restaurants, book stores (including amazon.com, even if you're not buying books), movies, and maybe something else I can't remember. If you redeem the points for a mortgage or student loan rebate check or certain gift cards, it turns out to be 1 pt = 1 cent.

Amex Blue Cash Everyday gives 3% back at grocery stores, 2% back on gas, and 1% back on everything else (which is fairly standard).

Discover It and Chase Freedom are both good for their quarterly rotating categories for 5% cash back. Also Discover has a good shopping portal, (maybe Chase does too) but unless there's a special offer, it is generally comparable to cash back amounts you'd get from ebates or fatwallet.

There's a Priceline Visa from Barclay's bank that gives 2% back on all purchases.

[Slug]

I blog about this quarterly.

http://sunkcostsareirrelevant.com/2013/03/maximizing-whats-in-your-wallet-q2-2013/

Let me know if you have any questions.

[MonkeyMama]

Fidelity American Express - 2% back on everything (goes to your Fidelity account, if you have one).

Amex Blue Cash Preferred - 6% back at grocery stores, 3% back on gas, and 1% back on everything else

[BMEPhDinCO]

PenFed - 5% gas, 3% groceries, 1% elsewhere (although % is really points for cash...)

I also looked into Citi at one point and Amex is good too.

[kork13]

Currently:
- PenFed (5% gas, 3% grocery, 1% else)
- Capital One Cash (1% everything + annual .5% "bonus")
- Discover More (rotating 5% categories)
- Amazon (3% Amazon.com, 2% restaurants/drug stores, 1% else)
- USAA (1% everything.... don't really use this one, but it's my oldest card and no fees, so I let it hang around)

Overall, I like the mix I've got, because I've got no annual fees and between everything, I get 5% on gas & whatever Discover's offering (typically seasonally appropriate), 3% on grocery & Amazon.com (which I'm opting for more and more), 2% on restaurants, and 1.5% on everything else. The only possible change I've considered is switching the Capital One Cash card for PenFed's new "Patriot" card, that offers a flat 1.5% (no delay in getting the extra .5% via CapOne's "bonus").

The only downside right now are having to carry around and manage all 4 of the credit cards (in addition to my government travel card), which makes for a fat wallet. The other issue I've run in to are places that don't accept Visa -- except for the Discover and USAA (Mastercard), everything I've got is a Visa card. So that's a bit irksome, but such is business.