My Ideal Wallet - Q4 2014

Disclaimer: I receive a referral commission for the following link(s) and I greatly appreciate supporting the site: Credit Sesame, Discover it, Chase Freedom, Amazon

These are the Credit and Debit cards that will either be in my wallet from October 1st until the end of December 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 or for those who have a close Supermarket that sells $500 Visa Gift Cards.
• $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.
• Please email me for the same $150 sign up bonus, except I will also get a commission to keep the blog going via a referral.

• Chase Freedom – 5% cash-back at Amazon.com, Zappo's and Select Department Stores, including Macy's, JCPenny, Kohl's, Nordstrom and Sears.
• $75 maximum cash back per quarter.  You need to activate the 5%.
• Chase Freedom 2014 5% categories
• $100 sign up bonus for spending $500 in 90 days, you will get another $25 bonus if you add an authorized user who makes one purchase in the first 90 days.
• You can always buy Amazon Gift Cards for the whole year if you can't find anything else to get 5% back for.

• Discover it® - 5% cash-back on Online Shopping and Department Stores.
• 5% cashback for Discover is actually more than 5%
• Must be activated before purchase to qualify for cashback bonus
• I usually use my Discover card during these three months for Discounted Gift Cards that I am buying anyway or any online shopping I am doing anyway.

• Citi Dividend - 5% cashback on 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).  I have no use for this card anymore this year since I already maxed out the rewards for the year in the first quarter.

• 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