Hoosier John
DIS Veteran
- Joined
- Oct 2, 2010
I'm new here, just me playing.
Tyring to follow the rules, so in the last 24 months:
4/20 - Barclays (for free financing on my daughters MacBook only - will have it paid off by Oct)
9/18 - Belk card
7/18 - Old Navy Card
Thats it for the last 2 years. I tend to open accounts only to get the savings, pay them off then never use them again, lol
I did upgrade my Chase Disney Visa to Premiere and upgraded my Citicard (from many years ago) to a Citi Double Cash, but I haven't used it yet.
I have a Chase Disney Premiere Visa that I opened in 2008 and use almost exclusively (along with Discover for 1% and 5% back in certain categories).
I pay the full balance every month on both with the exception of the occasional Disney trip that I pay off over a couple of months at 0%.
I'd like to get better at making the credit card thing work for me!
Monthly spend approximately $5-6k
We do not fly, so that's not an issue. We love to travel to Disney and Universal and beachy locations. No specific goals, would just like to travel for free!
I have 5 kids - ages 11-20. 2 are in college and will travel with us every now and then. I suppose I'd like to be able to take my whole family on vacation periodically. And since we have 5, my family will be big one day soon with in-laws and grandkids!
Where do I start? Thanks for helping.
I like the 2% on everything cards (like your Double Cash), whenever I'm not stretching to meet a Minimum Spend Requirement (MSR) on a new card. You're probably at 3/24 right now (if the store cards fully count) and will be even better after September at 1/24. This is valuable for Chase, who doesn't allow more than 5 personal cards of any kind in 24 months.
Initially I would look toward Chase cards like the CSP. It has a $95 Annual Fee (AF), but you earn over $600 (60k Ultimate Reward -UR- points). Also since you mentioned travel (but not air), the Chase World Hyatt, Bonvoy, or IHG might be worthy, depending on your hotel preferences.
Additionally, the Amex Hilton, or other Amex cards compete. I'm not very well versed in Amex or Citi, so others will help here, too.
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