American Express Blue as Primary Credit Card
Guest: georgee
Post subject: American Express Blue as Primary Credit Card
Posted: Tue Jan 16, 2007 12:15 pm
Curtis:
You had previously mentioned that AMEX Blue is your main (primary) card.
Do you use a 5% 'filler' card of any type to get 5% on EDP (instead of 1% with AMEX) until you reach the $6500 AMEX Blue tier ?
Or do you just charge on AMEX, even under the $6500 tier, on the strategy that you will reach the $6500 tier (and the 5% EDP and 1.5% non-EDP faster?
I am trying to decide whether to product-trade my BP Visa (2% dining) fro the Chase Freedom card (3% groceries, gas) to have such a 'filler' card.
Your thoughts /strategy would be appreciated.
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Guest: LustfortheMoment
Posted: Tue Jan 16, 2007 4:31 pm
I can speak for myself. I concur with your strategy. At the beginning of each AMEX Blue anniversary year, I charge all of my EDP to a 5% card (either HSBC or Chase) and use my AMEX only for non-EDP until reaching the $6500 tier. I then use AMEX exclusively except in those few stores where it's not accepted.
Since HSBC and Chase are no longer offering a 5% card, I think that Chase Freedom makes sense as a "filler". Good Luck.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: georgee
Posted: Wed Jan 17, 2007 9:56 am
Dear Lustforthe moment:
Now that we have established AMEX cashback as primary and Chase Freedom as filler and backup to AMEX. . .
For a third card, a sort of backup to the backup,and to be used once the monthly $18 EDP limit on Freedom is reached (while I am using Freedom for EDP until I hit the $6500 AMEX tier), would a 'short-term rebate card like Shell MC (5%) or ExxonMobil MC (3%) be ok? I do not want to get into a long-term cumilative rebate program on a third card. I guess instant rewards are the best in that case, since the card would get very limited usage.
What do you think, for a third card ?? I already have Shell and ExxonMobil.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Post subject: American Express Blue as Primary Credit Card
Posted: Tue Jan 16, 2007 12:15 pm
Curtis:
You had previously mentioned that AMEX Blue is your main (primary) card.
Do you use a 5% 'filler' card of any type to get 5% on EDP (instead of 1% with AMEX) until you reach the $6500 AMEX Blue tier ?
Or do you just charge on AMEX, even under the $6500 tier, on the strategy that you will reach the $6500 tier (and the 5% EDP and 1.5% non-EDP faster?
I am trying to decide whether to product-trade my BP Visa (2% dining) fro the Chase Freedom card (3% groceries, gas) to have such a 'filler' card.
Your thoughts /strategy would be appreciated.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: LustfortheMoment
Posted: Tue Jan 16, 2007 4:31 pm
I can speak for myself. I concur with your strategy. At the beginning of each AMEX Blue anniversary year, I charge all of my EDP to a 5% card (either HSBC or Chase) and use my AMEX only for non-EDP until reaching the $6500 tier. I then use AMEX exclusively except in those few stores where it's not accepted.
Since HSBC and Chase are no longer offering a 5% card, I think that Chase Freedom makes sense as a "filler". Good Luck.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: georgee
Posted: Wed Jan 17, 2007 9:56 am
Dear Lustforthe moment:
Now that we have established AMEX cashback as primary and Chase Freedom as filler and backup to AMEX. . .
For a third card, a sort of backup to the backup,and to be used once the monthly $18 EDP limit on Freedom is reached (while I am using Freedom for EDP until I hit the $6500 AMEX tier), would a 'short-term rebate card like Shell MC (5%) or ExxonMobil MC (3%) be ok? I do not want to get into a long-term cumilative rebate program on a third card. I guess instant rewards are the best in that case, since the card would get very limited usage.
What do you think, for a third card ?? I already have Shell and ExxonMobil.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 2:14 PM
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