My Ideal Wallet Q1 2014

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Disclaimer: I receive a referral commission for the following link(s) and I greatly appreciate supporting the site: Credit Sesame
Disclaimer - The Discover offers are no longer valid.

These are the Credit and Debit cards that will either be in my wallet (assuming my wallet was the size of George's) from now until the end of March 2014


Make sure to sign up for Credit Sesame and/or Credit Karma to monitor any changes in your credit history for free (I have both).

• 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.
• You also get one year free membership to Amazon prime if you have signed up for the card in the last 3 months

• Citi Dividend - 5% cashback at Drug Stores, Macy's and Fitness Clubs.
• Up to $6,000 of purchases a year instead of $1,500 a quarter (up to $300 cashback for the year).  
• $100 sign up bonus for spending $500 in 90 days.
• Lots of Free Money potential here

• Chase Freedom – 5% cash-back at Gas, Starbucks and Movie Theaters.  
• $75 maximum cash back per quarter.  You need to activate the 5%.
• Chase Freedom 2014 5% categories
• $200 sign up bonus for spending $500 in 90 days
• Most 7-11 Stores are considered Gas Stations and sell $500 Vanilla One Visa Gift Cards.  They sell Vanilla Reloads too, but the register is hard coded to only allow cash purchases for that.

• Discover it™ - 5% cash-back on Restaurants and Movies.  Meh, unimpressed by this quarter (ie - no way I can figure out to buy Vanilla reloads or Visa gift cards at 5% cashback). $75 maximum cash back per quarter.
• 5% cashback for Discover is actually more than 5%
• Activation and 2014 Calender is here
• $150 Sign up Bonus for spending $750 in three months.

• 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.
• Normally in my wallet for gas, but I will use Chase Freedom for 3 months.

• 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