My Ideal Wallet Q3 2015

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

These are the Credit and Debit cards that will either be in my wallet from July 1st until the end of September 2015


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 earn 6% on gift cards you buy at the grocery store as well.

• Discover it® - 5% cash-back on Amazon.com, Department Stores and Home Improvement Stores. Discover Doubles your rewards for a year so 5% becomes 10%! This is the new it card (see what I did there ;)
• 5% cashback for Discover is actually more than 5%.  I use them for Staples or Bed, Bath and Beyond Gift cards.  $20 in rewards is a $25 gift card.
• Must be activated before purchase to qualify for cashback bonus
• $50 sign up bonus via my referral link (or anyone else's).  $50 becomes $100 after 13 months.  Refer your spouse/friends/family members to earn $100 yourself for every referral!
• 
  
• Chase Freedom – 5% cash-back at Gas Stations and Kohl's.
• $75 maximum cash back per quarter. You need to activate the 5%.
• Chase Freedom 2015 5% categories
• $200 sign up bonus for spending $500 in 90 days (ends very soon), you will get another $25 bonus if you add an authorized user who makes one purchase in the first 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

• Citi Dividend - 5% cashback on Hilton Hotels and Airlines
• Up to $6,000 of purchases a year instead of $1,500 a quarter (up to $300 cashback for the year).  I haven't used it much this year.
• I might use this for airlines, but I am sure many of you can use this.
• You can't sign up for this card, but many people have reported that you can product change from a different Citi card to the Dividend.

• 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.
• You can try to get multiple of these cards as well.
• Sign up for a card with a sign up bonus and then product change to the BBR card.

• Bank of America Cash Rewards - 3.3% on Gas into a Bank of America Checking account - 5.25% on gas if you have preferred rewards

• "Old" American Express Blue Cash - 5% cashback at groceries and select pharmacies after $6,500 of yearly spend at 1%.

• Fidelity American Express Investment Rewards – 2% cash-back everywhere else.
• This card is always in my wallet.  Discover it can replace this card for a year.
• Alternatively, you can use the Discover it Miles card for 3% cashback everywhere during your first year of the card.

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