My Ideal Wallet - Q3 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, Chase Freedom

These are the Credit and Debit cards that will either be in my wallet (assuming my wallet was the size of George's) from July 1st until the end of September 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

• Chase Freedom – 5% cash-back at Gas and Kohl's 
• $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 at Gas Stations.  Same story as Chase Freedom
• 5% cashback for Discover is actually more than 5%
• Must activated for cashback bonus
• $150 Sign up Bonus for spending $750 in three months.

• Citi Dividend - 5% cashback on Hilton Hotels, Car rentals, Theme Parks and Movie Theaters
• Up to $6,000 of purchases a year instead of $1,500 a quarter (up to $300 cashback for the year).  I have no use for this card anymore this year since I already maxed out the rewards for the year in the first quarter.
• $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.
• 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