I'm still pretty new here so forgive me if I'm oversharing here or asking in the wrong place. I'm looking for some advice on a potential new card for my family. Short version of the story -my idea is that it would be mainly to try to eek out some cashback or points for A) theme park tickets (we intend to go 2 of every 3 years or so) and B) DVC annual dues (new members as of April 2020). ...Unless there's just another card better for a variety of other things too or with a generous enough signup bonus to be worth the effort. I have considered buying Disney gift cards with my Target Redcard for the 5% discount but wasn't sure if there was something easier/better.
I have different cards good for the majority of our regular monthly purchases.
- What amount of spend would you put on a card monthly
- groceries - $450 on TARGET REDCARD at 5% discount
- gas+Costco purchases = $450 per month on CITI COSTCO at 4% cashback
- car insurance = $122 per month but don't think they take credit cards
- streaming = $75 per month most at 5% cashback category on USB CASH+, unless promotion on AMEX DELTA
- internet = $75/mth (not sure if they take credit cards)
- other expenses -
- $600 fast food and restaurants. Fast food via 5% cashback category on USB Cash+ or restaurants at 4% cashback always on USB Altitude (too much eating out but that's a longer story)
- $100-200 on Amazon at 5% cashback rewards via CHASE AMAZON.
- I pay off cards in full.
- I fly out of MSP
- Prefer Delta Skymiles
- SOUTHWEST Airline services my airport but only on a limited basis (not a hub for them)
- No Hotel Rewards program preference
- I currently have ~60k miles with Delta.
- Churning goals: see above
- I plan WDW trips generally two of every three years.
- Travel party is wife (middle age like me) and two not-very-adventurous teenagers
- I get a work bonus every March that represents about 10-20% of my salary (only thing that keeps me from griping about otherwise feeling underpaid for my job).
- Wife sells Mary Kay on a VERY limited basis so she could maybe qualify for business type credit cards?
10/20 - USBANK Altitude
01/21 - CAP1 Menards Store Card
06/21 - APPLE Apple Mastercard
07/21- TARGET Target Visa
09/21 - SYNCHRONY Warners Stellian Store Card
11/21 - Maurices Store Card
06/22 - USBANK Cash+ Visa