My Ideal Wallet - Quarter 4 2013

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New Credit Card - Bank of America Better Balance Rewards

Disclaimer - The Discover offers are no longer valid.

These are the Credit and Debit cards that will either be in my wallet or never too far away from October 2013 through the end of the Year.

• American Express Blue Preferred – 6% cash-back at groceries (up to 6k a year), 3% at gas and 1% everywhere else.  There is a $75 annual fee so it is only for those who spend a lot of money on groceries.
• $150 sign up bonus for spending $1,000 in the first 3 months
• You get 6% on a gift cards you buy at the grocery store as well.

• Chase Freedom – 5% cash-back at Amazon.com and Select Department Stores like Sears and Macy's.  Walmart, Target and Membership Stores are excluded.
• $75 maximum cash back per quarter.
• Chase Freedom 2013 5% categories
• $100 sign up bonus for spending $500 in 90 days

• Discover it™ - 5% cash-back for any Online Purchase.   $75 maximum cash back per quarter.
• 5% cashback for Discover is actually more than 5%

• Citi Dividend - 5% cashback at Best Buy, Department Stores and Toy Stores
• Up to $6,000 of purchases a year instead of $1,500 a quarter (up to $300 cashback for the year).  Doesn't help me much since I've already used my entire $6,000 allotment
• $100 sign up bonus for spending $500 in 90 days.

• Chase Ink Classic (Business Card) - 5% cashback at Office Supply Stores, Cable, Phone (Landline or cell) and Internet bills.
• 20,000 Ultimate Rewards for spending $3,000 in 3 months.
• No annual Fee

• Bank of America Better Balance Rewards - $25 back for every quarter that you pay your full bill or more than the minimum balance in every month.  Another $5 if you have a Bank of America Checking account.
• Best Usage - Set up a monthly bill on this card and auto pay the full balance. You never have to think about it and then every three months you will get $30.

• Bank of America Cash Rewards - 3.3% on Gas into a Bank of America Checking account - 4.5% if you have a Bank of America Privileges Card.

• Fidelity American Express Investment Rewards – 2% cash-back everywhere else.
•  This card is always in my wallet

• Charles Schwab Check Card – Unlimited Free ATMs Withdrawals at every ATM in the world
• This card is always in my wallet