Originally Posted by tjguitar85

Mine's pretty simple, if Chase or Discover have a quarterly bonus category, I use those cards, if not, see below:

1.) Chase Freedom Exclusives Visa
- 1.1%, 10 bonus points each transaction.
I use this card for everything under $10 (at least 2%, alot of dining)

2.) Chase Amazon Visa
- This was my first real credit card, when I opened a chase bank account, they opened the card above and I didn't use this as much - I still use it for the 3% on amazon purchases but it will be a long time before I have enough points to cash out another gift card

3.) Pentagon Federal Credit Union Platinum Rewards Visa
- 5% gas, 2% groceries - automatic statement credit. They also gave me a credit limit way higher than anybody else. I think about using this instead of the fidelity for bigger purchases because the cashback is immediate and I don't have to wait for $2500 of charges to get 50 bucks from Fidelity.

4.) Fidelity Investment Rewards American Express
- 2% cash back, I use this for all non-gas, non-grocery, non-Amazon purchases that are greater than $10. I also can use BillPayChoice to pay off utility bills, as well as other credit cards, which gives no rewarsd points, but does allow me to earn some interest for an extra month...

5.) Discover More
- I unknowingly signed up for this card in college (to get a free pizza or something) , it was still active so I had them send me the card earlier this year. It has a rather small credit limit, and the basic cashback rate isn't very good, so I will only use it for bonus categories.


I am considering CITI FORWARD as the bulk of my spending would probably be going out to eat and it's a better return than anything I have, but their points are so devalued (and could be again) I don't know if its worth the hassle of figuring out what to redeem TYP for.